 Why are people so brain washed that they think paying off there credit cards is a good thing? |
| Seriously it means we would only be slaves to a credit card company. So who are we really working for and why is our country debit base and not positively based. Wouldn't it be better to take ... |
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 Where can a 16-year-old get a loan? |
| can a 16 year-old get a loan or an overdraft?... |
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 Too much debt? |
I am about $40,000 in debt from 5 years of post secondary education. I am 26 years old and make about $44,000.
Do I have too much debt? Anyone have any interesting solutions to bring ... |
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 How can I build my credit? |
| I have a credit card and I have cards at stores and such and I pay on time, but isn't there another way to build my credit without getting a loan or anything like that?... |
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 Paid off debt that was in collection....? |
| my boyfriend has horrible credit. so we got his credit report and started paying off the debt collectors. his credit score has not gone up. should we just not pay the rest of the debt collectors off ... |
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 Am I liable for a debt of £269 which has been outstanding since 1993. I have just been contacted about it? |
| It is that long ago, I have no idea what the debt is for. The solicitors are acting for a third party. the debt is apparently owed to a finance company.... |
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 How soon, once debt is paid off, does it disappear from you credit? |
| My fiancee went through a bad divorce and had to resort to not paying his bills. His credit got screwed, then he recieved a decent chunk of inheritance. He has since then paid off all debt and has no ... |
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 Fair Credit Reporting Act - ?? |
| I have two entries on my credit report for the same account (one by the original creditor and one by the collections). Is there a section number in the FCRA that applies to only one company legally ... |
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 Can you go to prison for credit card debt? |
| My fiance is struggling with credit card debt and can't do anything to pay it off. He keeps telling me they can't get money from someone who has none. Anyways someone made a phone call to ... |
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 Free credit report? |
| Where can I go to get actually free credit report? Also, how do I dispute something on my report?... |
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 Banks charges? |
| After watching watch dog tonight i have decided to go ahead and claim all my bank charges back, What have i got to lose, but i need to know how do i go about this? ... |
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 Will opening 3 credit cards at once hurt my credit score? |
| I just recently received a new credit card adding to my 3 cards that I already have. I was trying to transfer a balance from one card to the new one but since I wasn't given the credit limit ... |
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 Can The Bank Take Money From My Checking Account 4 Credit Card??? |
| My checking account and credit card are through the same bank. I stopped paying on my credit card and it's gone 2 collections. What I want 2 kno is can the bank take money out of my checking <... |
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 How long does it take for a store to refund/give credit back to a debit? |
I'm not sure if my question makes sense..but this is what happened...
I recently returned an item at H&M and asked for a refund, which is supposed to give me back credit on my ... |
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lilchica | Taking out a loan? |
....How easy is it to get accepted for a loan? Is it hard to get one?
What makes them decide if you get the loan or not? |
 |
 
gtofinancial.tomvoli
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I write a blog on the subject of credit management, mortgages, real estate trends, etc. Check it out for more information that may be helpful. |
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Moofie's Mom
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If they ask if you have any debit or credit cards - always say yes, even if you don't. This will give you more 'points' so that your application has a great chance of 'passing'.
Never put that you have lived at your address for less than three years. More points again.
Unless you are a top professional, i.e. Doctor, Lawyer etc, give yourself a fancy job title. I.e. Don't put milkman - put 'major consumable retailer' or something like that. They won't have 'major consumable retailer' in their 'list' and will have to make up their own mind which job title in their list matches the one you've given. Even more points.
Hope this helps! |
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Wiseoneornot
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If it is your first loan you may have to get a cosigner.
It gets easier if you have a good paying job that is stable. You should have worked there for 3 to 5 years. You residence should also be stable.
If it is your first loan get start small and pay it off with prompt payments. This will start you on your way to good credit. Do it again, borrow $1000 put it in a term deposit paying back over 6 months. The interest on the term deposit offsets the interest on the loan so for little cost you save $1000 in six months and get another bump up the credit ladder.
Within 2 to 3 years you will get preferred interest rates and easy approvals in relation to your earnings. Make all payments on time or early and your credit rating will be good for life. Make them late or even miss them and you will have to star over at square one. |
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lady_muck_007
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I think it all comes down to money in vs money out and your history of borrowing. |
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amanda a
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It depends on wether you are looking for secured or un-secured. If secured and there is plenty of equity in your property that is all they care about. If un-secured they'll credit check you so make sure your check is ok with a free check http://www.money-news.co.uk/borrowing/credit-rating/do-you-know-your-credit-rating/news.aspx?item=29&cat=16.
Then this is a link to the best rate un-secured loans out there http://www.money-news.co.uk/guides/best-buy-unsecured-loans/default.aspx.
Most lenders will lend if you've a good credit history and even if it's a bit shaky they just charge you more interest. |
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MARTIN D
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Apply online at www.surefirefinance.co.uk each application is assessed individually and they can help you get a loan if you have bad credit and get the best rates if you have a good creit history. |
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alatoruk
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they will look at 1 thing - are they likely to get their money back
to decide this they will look at how much you earn and your outgoings. if you want to borrow £10 and earn £10,000 per year no problem. if its the other way round, you are going to get turned down.
then they look at how well you have paid other people in the past - your credit history. so if you have never had credit, even if you earn a fortune they cannot see that you are a good payer so might turn you down. similarly if you have defaulted on your last 20 loans, that might make them think about it. |
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Fred G. Sanford
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It depends on what kind of loan. If you have good credit, you shouldn't worry about it. |
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Big 'D'
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It all depends on your credit score............. |
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reflection
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it is to easy be care full only take out what you need and can afford in case your job comes to an end sorry to sound pessimistic but it is so easy to get in to deep good luck |
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