 Question about paying off a credit card...? |
| I am planning to use some of my tax refund to pay off a credit card. One has a $460 balance through Care Credit, with a $500 limit, so I planned to just pay that off but keep the card open of course. ... |
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 Will anyone lend me $15,000? |
| Please do not answer if you don't have any solution. I'm trying to save my house. I'm in Central America.... |
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 My account was closed by HSBC and sent to debt collectors in around 2003. how will this effect my credit score |
| after some correspondence confusion my student hsbc account was sent to a debt collecting agency in around mid 2003. I have been aware that this has effected my credit rating when trying to get ... |
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 How can I get information from a difficult collections agency? They wont send me detailed billing.? |
| All I am asking for is a detailed bill of the charges so I can validate it and pay them, but they say I need to pay the balance first and then recieve the detailed billing. This doesn't seem ... |
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 Does anyone use PAYPAY.COM? not PAYPAL! is it safe? |
| just please answer this question if u actually sign up for PAYPAY and use their service..i have read their service and terms and almost good to be true..very low rate of money trasfer anywhere in the ... |
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 Does it hurt my wife's credit? |
| I just recently defaluted on my home loan. It is now paid off, but did that hurt my wife's credit, if she is not on the loan? I had the house previous to our marriage.... |
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 How do i get chase to give me a credit limit increase? |
| I have been using my chase freedom card for a year now wiith excellent payment history,no late payment and never maxed out.how do i get them to give me my first crdit limit increase without a hard ... |
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 I have a bad credit rating and am a tenant. I'm looking for a loan of £1000 .? |
| I've already been 'conned' by a company who took a fee of £30 of me for a supposed guarenteed loan and I cannot now get in touch with them. I have tried through email and a loan ... |
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 How can I raise a low credit score? |
| My credit score is 372. I have a car repo and LOTS of cards and loans. the repo is already written off and my card accounts are closed. I am getting $22,500 in january and would like to fix my credit ... |
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 Whatdoes it mean when a collection agency says its pursuin litigation? |
| A collection agency sayss they are proceeding with litigation - what does that mean - should I accept their offer to make payment arrangements with them?... |
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 More than one credit card? |
| I'm 18 and I have a Student Select credit card with Bank of America. It has a $600 credit limit but I really want to get the Discover Gas card because it's 5% cash back on gas and 1% on ... |
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 Is there a statute of limitation on a judgement (money wise)? |
| If the judge makes a judgment against you for say, $3,000 is there a time limit to collect or is that judgment good for as long as it takes to get the money even if its for 30 years?... |
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 Can i use a debit card to buy online? |
| i turned 18 a few days ago and when i tuen 18 my bank account is changed and i get sent a debit card which i havnt got yet but its coming. because im 18 now i can also apply for a credit card....yes ... |
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 If my wife doesn't pay her credit card bill, will it hurt my credit score at all? Or does it only affect hers? |
| We are struggling to pay our high balance credit cards right now. Some are in my name and some are in hers. We are going to sell our house and buy a cheaper one but right now we cant keep up with all ... |
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 Why build credit? |
I have a year left to go in college. Everyone recommends getting a credit card and using it lightly to build up my credit score.
My question is, why worry about building credit now anyway? ... |
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 How can you see your free credit report without having a credit card? |
| I am trying to find my credit report, but all the sites I go to, you have to use a credit card. I don't have one and don't want one. Does anyone know a site where you don't have to use ... |
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festy1986 | Terrible credit credit cards? |
My credit is not bad because I can't handle money, I have never had an account open in which I would receive credit if I paid on time or vice versa.
Two medical bills, small $100 and $125
And a phone bill of $200, a home phone bill to boot.
So as you can see, Ive been turned down so many times by all those assholes who claim bad credit isn't a problem, thus hurting my score even more by applying for like 50 differn't places, I was grilled at the auto place because of this, they said this makes it look bad on me.
Anyways, the last time I checked my score was 400, is there any credit cards who will accept me, and how do those online credit store cards work if I have to build credit that way I will. Thanks |
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bdancer222
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Are the medical bills and phone bill the only things on your credit report? Or are these just the negatives?
These are pretty small amounts. Pay them off. They should fall off your credit report in 7 years from the default date.
In two years, all those hard pulls for the 50 credit applications should fall off as well. That has really killed your score. |
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Dee
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If you have a bank account, apply for a debit card. If you handle your account and debit card well, apply for a credit card through your bank. The other option is save up some money and apply for a secured credit card (with your savings). I got my first credit card when I bought a sewing machine. My credit limit was $295 (the price of the machine). My next credit card was a gasoline credit card. Try applying for credit when you make a small purchase some place like Sears. Good luck! |
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Steveo
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If you stop asking for credit cards, then your score will go up. If that's not your problem, then maybe you aren't being truthful. |
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tim t
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Major credit card issuers like Discover, American Express and Chase offer a credit card for bad credit holders. A 'shopping' card offers you an unsecured line of credit from specific sellers. Use these cards to increase your credit rating, since the credit bureaus will be informed about your timely payments.
Take care to ensure your credit is good by making intelligent credit choices. Keep low balances, do not be extravagant and take care to pay off your balances promptly every month. |
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mescal29
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Don't be in a rush to have credit. Pay your utilities and medical etc on time. Buy a used car for cash, and in a few years you'll have good credit. Trying to rush it is going to get you deeper in the hole with more bills, and if you can't afford them your credit will be worse. |
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Bears2007
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Do you own a home or are paying a mortgage ? if so you can maybe consolidate. Pay them all off......try a lender site like lbalending or someother one. There are tools on that site that help you but I suppose others do to, I just know that one. They specialize in bad credit cases. |
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dragonbot
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Go to Walmart, get a store credit card, the card will only be good there, and the interest will probably be high, but it is a great place to start, that is what I am doing. |
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earth angel
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Pay all your monthly house bill on time, have more money in your checking and savings acount, stay in your good paying job for at least 2 more years, then apply for a major credit card. I'm very sure you will be approved. Do not keep on checking your credit score - this will pull your score down. If you can't be approved for any credit card - then you probably have no income for the amount that you want to borrow at the time you are applying. (insufficiency is what they call it) |
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Jason
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There are many things you can do to fix your credit score. First of all, quit applying for loans and lines of credit that you aren't going to get approved for. You need to clean up your report and get into good standing with the bureaus for your score to go up.
I got help from a credit counseling service that took me from a 580 to 700. That's what I'd recommend, because they consulted on what I should do and handled a lot of it for me.
http://www.idealhelpnow.com
Also, you can get tons of information on the web for ways to improve credit. It's about being smart with your financial decisions and not getting behind on your bills, so stay up-to-date with any payments. |
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consumer
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I would suggest you stay away from traditional credit cards and get a bank credit card. The fees are not quite as high, (depending on the bank) and it will be easier to get. Seeing as how your credit is in the dumper, you might want to talk to the bank and see if they will give you a secured card, this means that you have to put money in it and if you do a good job of paying off your bills the credit line will increase. If you must have a credit card read the terms and conditions. This is a must. Lots of luck |
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