 Is mastercard and american express accepted everwhere? |
| I know visa is universally accepted i wondered if those two are worth ... |
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 Bad Credit........how can I repair it fast? |
| Went thru a bad divorce 4 years ago and have never been able to recover. I'm tired of the apartment life but my credit sucks, so renting a house is very difficult. Any suggestions to help me ... |
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 Has anyone ever used a debt settlement company and if so, what was your experience? |
| I'm not talking about credit counseling, I'm talking about the firms that go to your creditors and offer to settle the debt for a small percentage of the total owed. If you have, tell me ... |
|
 What is the Cheapest way to improve a credit score by 90 points by the end of the year? |
Preferably without getting in more .debt
Additional Details
I have a 610, with no latefee's or bad marks on my score.
I just have a high debt to available ratio. - 70%... |
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 How to use credit card? i am not sure.? |
hi there.
i just bought a desktop computer by my credit card.
now i have the computer. but i am not sure that how the payment happened? i just gave the credit card number which can be done ... |
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 Exceed credit limit on a credit card by a lot? |
| This is going to sound weird... but... lets say your credit card had a limit of, say, $3k, and you went $15k over that limit. I'm not talking about spending $15k on one purchase. I'm ... |
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 Does an unpaid credit card get forgiven in 10 years? |
| Hi. Someone I know just got a letter about an account she owed money on 20 years ago. She thought she paid it off. I thought if you owed money on a credit card, that the debt is forgiven if you ... |
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 Do you like credit cards? |
| i know there handy - but does it give you a ... |
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 Whats the best credit card to apply for? |
| I haven't had income for a long time, but is there any chance I could be accepted?... |
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 What is the best way to deal with a collection agency on a debt aquired from citicard? |
| This account had an original ballance of $4700 and has not been paid on for over 3 years. The agency wants $3800. Is this negotiable? By how much?... |
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 I need to find out who an 800 number belongs too? |
| some one is taking money from my bank account and all i have is a 800 number and they don't answer when i call. No company name is give on the automated system ... |
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 What credit card is perfect for people with bad credit? |
| I am looking for a credit card but I have bad credit, and I can't afford them expencsive deposits for a credit card so what should I ... |
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 Can't pay credit card payments! Please help!? |
| Ok, so I know I have messed up my credit big time. Not to mention that my fiancé’s car got reposed (I co-signed). I am not working like I was a month ago and I can not afford to pay my credit ... |
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 Is the credit crunch going to spoil Christmas? |
| I hope not because I am a big lego fan and I want the newest sets.... |
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| Anyone no of this person?? |
Mr Richard Walters
Richards Loan Agency
United Kingdom
Tel Num:+447011137447
Fax Num:+447005978351
I have been approved by this person, for a loan, and was wondering if ... |
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 Is it easy to get a loan in USA if you never been there? |
| A thought crossed my mind.. So I got curious. I'm sure the interest rates in the USA is cheaper than Australia. So how easy (or hard) is it for a non resident to borrow money from a USA bank?... |
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mollynif | What's a good first time credit card? |
I'm 21 and have never wanted to get a credit card, now I realize it's important for aquiring a good credit score. What is a good card for a first time user? |
 |
 
theamishboy
 |
you can get an awesome card that will help you increase your credit score (guaranteed) or help you establish credit on www.entrustsystems.com/wow |
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Credit Guru
|
This is one of the most common questions on this board.
How do I build/establish credit?
First off you need to be educated about how credit works in the U.S. Every credit decision a lender makes is driven by FICO credit scores. You can go to www.myfico.com and look in the Credit Education section to learn how FICO credit scores are determined. To build your credit you have to place positive credit items on your file that will report positively for 6-12 months minimum. If you want your credit to be in the Excellent category (FICO score 720+) then your goal should be to have 3-6 revolving accounts(dept. store, gas cards, Visa. etc.) and 1-2 installment loans(car, mortgage) that are reporting positively.
I would start out with a Bank of America or Wells Fargo secured Visa card. Both banks have great programs with low annual fees, low starting amounts ($300.00) and no junk fees. After 12 months of positive on time payments you will graduate to an unsecured status. Then you will probably be approved for other cards such as dept. store and gas cards.
By the way, having a checking account with a VISA debit card is an excellent idea for managing your finances but it will in no way effect your credit score.
Good Luck |
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mrjeffy321
 |
Getting one through your bank might be a good choice, most have special credit card program designed to help young people boost their credit.
But as long as you are careful with it and remember to pay off what you owe, (on time, every time, [in full]), you shouldnt have to worry. |
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?
|
As you have no credit history established, your best bet is to go your bank and get a debit card. As their risk is low for these cards, the standards are not overly rigorous. What you want to do with this card is never overspend it. The payment comes straight out of your checking account and they will lay some heavy overdraft fees on you and put a report in to the credit bureau.
If you use the card wisely the odds are good a slew of credit card applications will start coming in after three or four months. After reading the fine print pick one and only one of these and repeat the process of prudent spending - meaning don't overuse it and pay it down each month.
Assuming you have a income source and don't move from place to place six months more months of good credit behavior should do the trick. |
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pure_imagination_75
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My first credit card, in college was a Capital One Gold Card. It gave me a small credit limit, $500, but in no time at all, the limit increased with timely payments and not paying late. Also, you might want to try a department store credit card. I too had one shortly after my first credit card was obtained in college. |
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wyderp
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look at bankrate.com to compare. i found a card even better than MBNA, chevy chase card, but i was sent an offer. be sure to pay it off every month if you can, they would love to take 29%! many many thanks to your husband, by the way. bush's mistakes have nothing whatsoever to do with your husband's incredible honerable service to the country |
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libertylarry04
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shop around for intrest rates and make sure there are no yearly fees involved. other than that they all work the same. just be responsible. |
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mitchattitude
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an egg card. www.egg.com |
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veteranswife
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Personally, i would start with a visa check card.Simply open a checking account. If all goes well with that, then your options will increase. Just be very cautious, think of it as "Would I buy this now at this price if I were paying cash?" That may help keep spending in perspective. Also, always check interest rates. Don't believe commercials, either. Check the better business bureau ratings on any company before doing business with them. That may save you alot of time, money, and headaches in the future. thank you |
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