 Can i get a credit card when i have no credit? |
| do you know any websites where i can apply for one?... |
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 Does anyone know where I can get a loan with bad credit?? |
| There are tons of websites, but I'm not sure which ones to trust? I need it for a studen loan actually, HELP!... |
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 How do I establish good credit with my credit card? |
| I just got my first credit card, and was wondering what the best way was of paying off my first bill? I've heard to pay double the minimum payment for 5 months, then after that start paying off ... |
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 What is the best way to clean ones credit? |
| My mom leagally cleaned her credit for 300 bucks and was then able to make large purchases such as a house and car with no down payment. all I want to do is finance a washer and dryer. my credit card ... |
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 Were can you get pre paid credit cards? |
And if you get one can you use it on the internet, and just like a reagular credit card?
Additional Details
Do they do a credit check on when you get a prepaid credit card?... |
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 Why was i refused personal loan from banks with best APR ? |
i am permanent resident for 2 years in uk, continuously fully employed (current employment 7 months)
I have at least ÂŁ1k income after taxes and all costs of living left each month, i ... |
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 Isnt this the best country in the world!!! Only in AMERICA!!? |
| I just have to post this craziness. I just bought a new CAR!!! Yeah! My husband got laid off and we just filed bankruptcy. Only in America the land of unlimited opportunity and credit.... |
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 What is the best credit card company to go with to fix bad credit? |
| im trying to boost my credit score up to an 800 or as high as i can get it, and i know credit cards are the way...but whats a good company to go with, or who has the best offers for bad credit.... |
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 How can teens protect their credit before they have a credit card.? |
| im a teen, i dont have a credit card, and i dont plan on getting one, except to establish credit so i can buy a car and such....i have a checking account that i keep up with....but what are some ways ... |
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 How can i get a loan with bad credit? |
| I need 4000 by december. The problem is i owe my school and outstanding balance of 4600! My student loans have been deferred until January..so this loan would only be for a month max ...as my student ... |
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 Credit Card for 18 year old? |
| Hi, i am an 18 year old senior in high school. I would like to start building my credit by applying a secured credit card at the bank. I have saved up to $1200 right now from my under the table job. D... |
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 Does anyone knows if my credit score will be affected if I don't pay my cell phone bill ? ... ever. Thank you |
| My company is charging me an amount I know it's not accurate ( but It has happened before and I always ended up paying for it, but this time I'm not willing to pay for it since I was ... |
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 Having too many credit cards will hurt your credit score? |
My friend told me that having too many credt cards will hurt my credit score. Isn't true
I have about 35 credit cards and most of them are applied through invitation. I pay my due ... |
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 How does bank make profit on credit cards? |
| Lot of banks are issuing free credit cards. How do these banks make profit by giving free credit cards. If we purchase something in credit card, the bank has to pay the money to the vendors and we ... |
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 I have a bill for $379 and a credit collection agency is sending letters. What will they do If I cant pay it? |
| I am struggling just to make rent and I have two jobs, this is a bill from an auto insurance company, I don't know what they will do. Any ideas of what can happen to me?... |
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 Has anyone used a legit credit repair company? |
I have tried to dispute items on my credit report and haven’t had much luck.
I have late payments, bad debts, and I have no good credit. Please give me links so I can research the ... |
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 How long do negative occurences stay on your credit report? |
| I mismanaged my finances back in 2001 and 2002. Now I'm fine. But I applied to a job that did a check on my credit report and they said there were some "negative things" on it so I ... |
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SGT REGIS | Should i pay off something that is not on my credit report? |
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crywater2000
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yes. it'll come back and haunt u |
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Reality Check
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Yes, it's called a bill.
You shouldn't use your credit report as a catalyst to decide which bills to pay.
Welcome to the world. |
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deb
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yes |
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Just M
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Yes , pay the bill ................
People has bills / credit cards , etccc ...the best for everyone
to do is pay them off ASAP .........
Make a promise , by a certain time you will become Debt Free..............especially in these times ..........
OH believe me , I know it's easy said , then done .......
After that set a Emergercy Fund .......8 - 12 months / rainy day . Of course this will take a while too . |
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blogcounsel
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Of course, you should pay your debts, even if they are not reporting to the credit bureaus. You owe the money and will have to pay it back, regardless of its impact on your credit score.
By paying off the debt, I assume you mean that you have the funds to pay it in full. You don’t say whether or not the entire amount is presently due or whether you can still make payments on it. It makes a difference.
You certainly want to stay in integrity with all your creditors. After all, they trusted you in the first place and, by paying them as agreed, you have them as a resource in the future should you need them, whether or not they report to the credit bureaus..
If you are saying that you have the option of paying the non-reporting debt in full or continuing to make payments, then you should consider what is best for you.
Certainly do not pay the non-reporting debt in full, if it is not yet due in full and paying it would impair your ability to remain current on your reporting debts.
If you have the option open of paying it off in full (although not yet due in full) and remaining current on your reporting obligations, you should consider where the extra funds would be best applied.
For example, if the non-reporting debt is at a higher interest rate than your reporting debt, definitely reduce it as much and as quickly as possible. Conversely, if your reporting debt is at a higher rate, it would make more sense to apply extra funds to that, rather than the non-reporting debt.
Since your personal circumstances are so unclear, any further comment would simply be speculative. However, this should give you some plan as to how to proceed. |
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Cindi V
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yes, because sooner or later it will end up on your credit report. |
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Micki
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YES - pay it - it will always be there to eat at your conscience. |
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src50
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Is it your debt? |
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Mrs HarleyBrat
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There's THREE credit reporting bureau's - are you sure it isn't showing up on any one of the three? And yes, you should. If it's something that isnt reporting on your bureau now - you can bet it will if it goes into bad debt. |
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Ally
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Yes! Even if it's not displayed on your report at this time it will be if it goes to collections. |
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CrackBerry Addict
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It is really a question of ethics vs legality. Ethically I do believe you should pay the bills you have. You are the one that had the bills and let them go unpaid, so you should take care of them. Legally, though, you might not be required to pay them. If the bill is not showing on your credit report AND the statute of limitations has passed, then you aren't legally responsible for the bill. Lenders and collection agencies need to take legal matters within the statute of limitations in order to legally get paid for those who owe them money. And since the item isn't on your credit report (at least not now, anyway) then it isn't affecting your FICO credit score. |
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