 I took out a $5,000 unsecured loan and only needed $2,000 of it..? |
| can you pay these off early.. i would like to make a 3,000 dollar payment as my first.. is this cool.. if so will the interest be charged on the whole thing regardless.. thx for your ... |
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 Debt Collection Unfair need advice Badly!!!!? |
| i have had an account past due with citizens bank for 3 years i was put away for awhile and was unable to pay it. i owed 538 dollars. well 5 months ago i have been receiving calls from NCO about ... |
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 I have terrible credit from a reposesion when I was 20 years old, I'm 24 now, I need to buy a house for my |
| family, my finace has ok credit mine is just terrible. I only owe 4 thousand but can't afford to pay it back. Whats the best way to rebuild my credit I feel like I'm holding my fiance back. ... |
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 Is it a good idea to close credit cards that I don't use at all? |
| Here is my situation. I have $7500 I owe on a 0% credit card that expires in March 08. I want to transfer that balance to a different 0% credit card in February to avoid finance charges. Also have ... |
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 No Credit auto financing? |
Ok, I'm 19 years old, live with my family, have an active checking and savings account. I work as a General Manager at LP Cleaning Service and make $3,500.00 per month before taxes.
H... |
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 22 years old and credit card company is taking me to court? |
| I was offered several credit cards when I graduated high school and started college at the age of 18. This card in particular offered a $4,000 credit line. I had no job and no savings, so I ended up ... |
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 Do you think a credit card is a friend or foe? |
I have two credit cards. do you think its an advantage or disadvantage for my lifestyle?
I'm working in a call center and I'm already regularized. I have a stable job already.... |
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 Hi, I have a really poor credit score along the lines of 530? |
I am currently paying off my debt, I would like to know if there is a faster way (along with paying my debt) of improving my credit score? I can't get approved for anything!
Additional D... |
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 How can I reset my credit?? |
Hi!!!
I've read in the past about companys who can reset your credit rating' however I am sure some of these are scams. I am 26 and am unable to obtain any sort of credit due to ... |
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 How many points are taken off for requesting a credit report? |
| I want to get a free credit report online, but I don't want to get dinged on my credit report. Does anyone have any info on this matter? T... |
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 I have a Wal-Mart card and the credit limit is only $100.00 and I would like to have an increase in my credit? |
I have a Wal-Mart card and the credit limit is only
$100.00. I would appreciate it if you would allow
me to get an increase to at least $500.00. Thank you for your consideration in my ... |
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 Bad credit. Loads of people who post on here have "bad credit"? |
| is it time for the banks to be forced into being more restrictive in their lending? They seem to lend to loads of people who are likely to default on loans and then put up charges for those who do ... |
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 Who here is rich? |
who is rich on this website? dont worry i am not going to ask for money. but if you answer this question can you tell me how you got rich or how to get rich.
Additional Details
i mean i ... |
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 Is a credit apr of 24 % to much? |
| i dont have a credit score at all and been appling for credit card been always turned down i finally got accepted for a credit card through US Bank that is were i have my checking account it called ... |
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 Can i get a loan? |
| i have a bad credit history currently i really need a financial loan for about $ 20,000 for my school tuition does any body have idea where i can get a loan? please help.... |
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 I'm in debt & DO NOT want a bank loan!!!? |
| I'm in debt with $6,500.00 and I recently received a court order that I need to present to court for a hearing on my account. The letter was sent from the lawyers that took the case from the ... |
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Mindy C | What's the best way to start building credit? |
I am 20 years old and keep getting rejected for credit cards. The only way to get credit is to start somewhere...so where do I start?? |
 |
 
abc123
|
Since you've already applied and got rejected for credit cards- it's best to temporarily stop applying for credit cards. I know it sounds contrary to getting a credit card but this is because for every credit application you make, a credit check is recorded to the credit reporting bureau(equifax,transunion, etc) and the more requests you make- it looks bad. When you apply for credit, other credit card companies see these checks and of course will also deny you credit. Also, constantly applying for credit cards and at the same time will get you rejected because the credit card companies take it as you are desperate for funds. So, what to do?
The best place to start would be getting one of those prepaid MasterCard's. They work like a credit card and you don't need a credit check. These cards help you establish a credit history because it is recorded in your credit report and so you can start to build up a credit history. Some banks have info about these types of cards. Also, maintain a bank account with sufficient funds. You may wish to speak with a representative from the bank where you have your account about how to start building credit.These ways help show you can handle financial responsibility. Hope this helps and good luck! |
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Monica A
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You should get your credit reports from the three credit agencies with FICO score. Make sure that you don't have any wrong or derogatory info. If you have then try to have it corrected. Save $300 each to get a Secured Credit cards from Visa and Master Card. Buy your necessities using these credit cards and pay all your bills in full end of each month. Don't spend money that you don't have. Don't apply for new credit. Keep checking your credit score periodically. |
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Adam W
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Talk to a personal banker. They can help you more than anyone. |
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livn4themin
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Do you have a checking account? Apply for a small loan, keep the money in seperate account, and pay it off. Get a low interest credit card, and keep it paid off. |
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sunshine
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secured credit cards, add your name onto moms good standing cards, jewlery stores always say yes too. |
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sandic21
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Start with a department store card - Mervyn's, Kohl's, etc. Buy something, then be sure to pay it off right away. Also check with you bank & talk to the manager about one of their credit cards. |
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rblewis7
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I would start by making sure you don' have any debts and that you have a job. Then I would have a checking and saving account with money in them. If that does not work get a card where you basically put money on the Credit card and use it. Once you do that for awhile it will improve your credit score. Go to https://www.annualcreditreport.com/ and check out your credit score. If it is low you can see why. |
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Rocky
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Well you can start with a credit card with a 300 dollar limit. Or you could join a credit union and get a small personal loan. They are really help-full in what you desire. Start small and always pay your payments (on time) and never late. If you do this for 6 months you will establish the beginnings of credit. You can expand from there. You could dive right in with a car loan and a co-signer but I don't recommend that at all. If you have a long running job history and a record of 6 months to a year of making your payments on time you should not need a co-signer. Again... I don't ever recommend a co-signer at all. Go to a credit union. I'm a member of 3 credit unions. They have never refused me. |
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David A
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to raise credit score
1. Always pay on time or ahead of time.
2. maintain low balances on credit cards
3.To boost your score: Don't charge anything for at least 60 days before applying for a loan
4. keep your total potential debt to earnings load low - If you have a card with a $15000 credit line, you may ask them to reduce it to something more realistic, like $5000.
5. You should have a recent history of both installment or term (Car or house loans) and revolving credit.
6.To boost your score: Don't close unused accounts when you transfer debt.
7.To boost your score: Consider opening another credit-card account or two, or taking out a car loan or small bank loan.
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