 Does anyone know of any website that you can get a free credit report? |
| no not creditreport.com they say its free but you have to put in your debit card information..and um no..im trying to look for a website that you can actually do it free the first time or something ... |
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 I want to buy a home. I need help!? |
| I need any loop holes to get a loan even with bad credit. My credit score is between 449-508 only a year ago it was 657! What do I do? i need a mortgage loan for $185,000. Help!... |
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 Has anyone heard of the Canadian Loan Group? |
| I was starting a loan file with them and I was curious to see if anyone has worked with this company before.... |
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 Why do people go in debt? where do they spend all there money? |
| is just that im asking because im very young and want to know that how and what takes peoples money i know for sure that i dont go spending money around so why do alot of people end up in debt it s ... |
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 Paying my credit card in full is good or bad? |
I am trying to rebuild my credit. I just got a hsbc secured card and I would like to ask a question.
I found out that my billing cycle is on every 14th of the month.
Lets say I ... |
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 I owe $3000 and I have a detective calling me with threats? |
Is this a real police officer? He sure sounds mean enough.
Can he arrest me? I'm trying to pay but money is tight. I don't want to lose my job.
What should I ask ... |
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 Just paid off my credit card... and I'm looking for new ideas of what to spend my new credit on... any ideas? |
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Okay, I wasn't looking for a lecture, common people be creative... I've got $15,000 of money that I didn't even earn!! what should I do?!!!... |
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 Stole my moms credit card.? |
| and bought $47 worth of World of Warcraft gold and im also using it to pay for my World of Warcraft account which is $15 a month....is it really wrong to do that?... |
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 Can you ask to have your APR reduced on your credit card ? |
If your payments are always on time and never late, will a credit card company reduce your APR ?
Additional Details
Thank you to all who answered, for those who did it just for the two ... |
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 About applying for credit cards...? |
| Ok, I just turned 18 and applied for a credit card...and it says that it won't accept because I don't have any credit history??!! Duh I don't since I've never had a credit card ... |
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 Is credit card protection insurance really necessary? |
| I'm talking about the insurance you pay extra for on your credit cards so they would supposedly be paid off for you in the event of your death. I have a friend whose 75 yr. old mother is dying ... |
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 Should I jump before i am pushed? |
| I have recieved a big big debt to pay and have been told I have 7 days to pay but I have more money going out than coming in.Should i just give up?... |
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♡♪sing♪♡ | Should I pay my credit cards minimum amount or should I fully pay it off? |
Every month the minimum is about 15 dollers and I pay that off, making the full amount easier to pay in one shot. Should I just keep paying it off little by little or should I do it all in one shot? Which is better for me over all, and will help my credit score?
Additional Details
Thanks everyone, but all these mixed answers kind of got me confused. :/ |
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$m¤¤v¥ £¤¢¤
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I see this question posted all the time, and working at a credit card company, I can tell you firsthand that the best thing would be to pay it off. Paying the minimum is just that, the "minimum". Interest is still being tacked on what you don't pay. It makes no sense to pay it off when you can. It also helps your FICO score by reducing the ratio of credit used to available credit, and the payment in full is considered an overpayment in relation to the minimum, which looks a lot better as well. |
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travellingfellow
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Pay it all off in one shot.
Credit scores are dependent on the reliability of making payments. If you pay off 100% of your balance, that bolsters your credit score.
Contrary to what some may think, carrying a balance doesn't impact your credit score. It's your reliability in paying it off... THAT'S what matters.
Why pay interest, anyway? Why pay someone else the right to use their money when you don't have to? It doesn't make any sense. |
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wanabe30
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Pay it off each month. Otherwise you are adding to the cost of what you purchased on the card because of the interest. If you can't pay the full amount try to get the balance down under half of the limit. If you do carry a balance keep the balance below half of the limit at all times. All of this is better on your credit history. Shows you are resonsible and not living beyond your means. |
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pebblespro
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Pay it off why pay interest ! |
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Xsk
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Pay off your debt as soon as you can, pay the minimum if you have limited money. Otherwise, if you can pay it, pay it off. Because then you dont have to worry about it, and there are no chances of you getting a late payment. That will really hurt your credit score and will send your APR soaring up. |
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D D
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Pay off as much as you can. Don't make money for someone else by paying them interest! |
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TaylorProud
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Best Credit score: Carry a balance of less than 50% of your credit available, pay more than your minimum each month and do not pay it off each month. beleive it or not that hurts your credit score and credit cards don't like it if you aren't making them money. |
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heybulldog
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I would pay it off and cancel the cards. Don't worship the fico.
The fico score along with credit cards were designed by banks to get people into debt and keep them in debt.
If you pay as you go.
If you live on less money than you make.
You will have money and not have to obsess with the fico score. |
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msldybug2003
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Taylor is right... do not pay the balance in full each month it will hurt you fico score. |
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