 Are there sources out there who provide personal loans if you've filed for bankruptcy? |
If yes, could I get the name(s) of these companies.
Also:
1) Do they charge you an inital fee?
2) I'm not looking to get into major debt again. Just a smaller loan to clean up ... |
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 Credit score dropped. confused.? |
| I recently made applied for an auto loan and was denied. I signed up for unlimited up to date credit report monitoring through my bank. I check my credit report twice a week every week. I have become ... |
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 Can i cancel my credit card??? |
| i have one credit card, i have to pay $59 annual. now i want to cancel this card after i get one good card with no annual feel. is it possible to cancel the card??... |
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 Should I pay a credit card or car loan? |
| I have a 14,000 inheritance- I am trying to improve my fico. Should I pay off a 14,000 credit card or a 7,000 car loan and put the rest towards the credit card?... |
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 What to do if a co-worker owes you money? |
| I felt sorry for my co-worker. I have known her for about 3 years. I would say I'm a friend but haven't hung out with her outside of work very often. She's going through a bitter ... |
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 How can i raise my credit score??? |
| Im 21 and never had a bank account, when i've tried to get one im refused because i have no credit, i want to buy a house in a few years. any ideas??... |
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 I have horrible credit how do i fix it?? |
| I'm only 21 and screwed up my credit so bad. When I was 18 I moved to manhattan and maxed out my cards and was late paying them off. They're all payed off now and closed accounts. How do I ... |
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 How do i establish good credit? |
I have had my first credit card for 3 months now. i am 20 years old. i want to establish good credit. how can i do this
???
i have a National City Visa Points Credit card that i got ... |
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 How do I balance my life financially with a $475.00car payment, $500rent, $200 credit debt, with 1300income? |
| Not to mention food, gas, car maint. Do I sell my car but it's not paid off and I don't want to get ripped off, I have invested too much money into it. I really want to settle for something ... |
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 Late car payment need advice? |
| ok heres the deal my payment is due on the 25th of november due to fiancial problems i couldnt make the payment what my plans are is to pay the month of november on dec 18th and then pay december ... |
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 Any suggestions for someone with bankruptcy on their credit that would now like a credit card? |
| I had to file bankruptcy 6 years ago, because of a previous marraige. I would like to have a credit card now. It is really hard to find one that will approve me. Does anyone know of a credit card ... |
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 If my credit score is 714 and i apply for a wamu card how much will they give me as a start? |
if my credit score is 714 and i apply for a wamu platinum credit card can anyone tell me how much i will get.
? all my other cards are zero balance and the highest card is a 2000 limit so i ... |
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 Credit card for 12 year old.? |
| i wont to give my 12 year old sister a credit card they asked if i wonted to add some one so i said yes, i gave the name and it came in the mail i thought i was done. now they are asking for ssn, ... |
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 I need a credit card with no annual fees, but i have really bad credit...? |
| i have been denied by my bank, and the other credit cards require a doposit for my credit line. i just want a major credit card where i don't have to give any money up front. please help. thanks.... |
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 I am considering entering a debt management program. Anyone have any advice? |
| I am considering entering a debt management program because I am way over my head in credit card debt. I know it may not be the best solution but it seems I keep putting it off, getting no where ... |
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 Shall I pay this six year old debt? |
A collection agency is requesting payment for a debt owed beginning in september of 2001 (date of first delinquency: 6 years ago).
The information is not in any of my credit reports. If it was, I... |
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Tiffany D | What's the best way to build credit? |
I am a student that just received my first credit card and strictly want to use it to build credit. I have a high 19% interest rate and $300 limit. Can I still get good credit if I pay the full amount off each month or would I get better credit if I pay it off in a few months. What’s the best way to do this? Thanks ! |
 |
 
joelmeulenberg
 |
You want to pay off your balance in full every month. That way you'll build our credit and avoid interest. Basically, you should use your card like cash to buy the things you would have normally purchased with cash anyway. (Again, and pay off your balance every month). Ideally, you'll want to use a *rewards* credit card to earn rewards from your spending.
As a student there are a handfull of good rewards cards available to you. A quick way to see which student rewards card will pay you the most for your normal spending (on gas, groceries, restaurants, etc.) is the rewards calculator at:
http://www.creditcardtuneup.com/?card_type=College+Student |
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thekrazeekatt
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You can use that card and immediately pay what you have spent with it if you can (for personal benefit). You can either pay off a full amount each month or you can pay it off over a few months, as long as you make payments by when they are do, you will raise your credit score.
You could get a cell phone, having a plan goes on your credit and shows that you are responsible and make timely payments. They also use your credit to determine if you can start a plan yourself. If you are not up there enough yet, you can use a co-signer, and after a few months take the plan over yourself.
Another way is to take out a VERY small personal loan (a few hundred) and pay that back over a set period of time. This is a quick way to do it, my brother did it in the past and it worked well.
Other ways include any sort of payment plans for products and services. Cars are an example of this. Financing options on electronics, etc.
By the way, if you raise your credit score, you can bring that interest rate down eventually ;-) |
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Ridiculous
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It is actually better to keep a balance on your credit card to show that you can manage the responsibility...I am not sure why it looks better to credit companies if you have a balance instead of paying it off but, my husband checked into this a couple of years ago so we could get our house and they told him to always pay on your credit card but to leave a balance. (Maybe they are in cahoots with the credit card company and they split the interest that is paid...)LOL |
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Sandy
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Buy something small that you can pay off when the bill comes in. This way they will lower intrest rate and boost you spending limit up. Always pay bill when it comes in not when it is due. This will lower the amount you pay in intrest. Don't ever pay late. |
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i,m here if you need to talk.
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what i do is only use the card 6 days befor payday.then pay on payday, |
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bittsen2000
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They say the best way to build credit is to show activity with the card but maintain no more than a 10% balance on the card. So, with a small limit like that, it is best to pay it off each month. |
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Little J
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Wow that is pretty high of an interest rate.
I would suggest that you try to pay it off as quickly as possible when you use it. |
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venedypics
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Keep it at least 50% under the limit. Make your payments, plus extra each month. |
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Your_Star
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its best to pay the total amount every month, when you get the statement. |
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moonlightknightsqueen
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keep it paid off |
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