 Help! Help! I want to obtain good credit but I am confused? |
| I have an outstanding account with Capital One that reaches it's seven year mark in 2009. I want to pay it off but I get mixed reviews. I consuted a credit consolidation and a bank that tells me ... |
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 Why are young people jumping in over their heads? |
| Has things changed since I was a kid in the 60's and 70's so much that kids are running to get credit cards before they have steady jobs? Are their parents in the same shape?... |
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 I was careless with my credit in my youth, is there any hope? |
When I was in college (1999-2003) I messed up, BIG TIME. I used credit cards like free money, quit paying my bills, I made a big mess of my credit.
Now that I'm an adult, graduated ... |
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 Getting a private loan. Need some help? |
| I have lil income from last year(1600) but I make good money now its all online tho. I tryed to get a student loan thats private, but my school only does federal and does not accept other private ... |
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 What do I do about my friend? |
| A couple of months ago, my friend used my information for what she said was 'co-signing' a loan for her, since she didn't have the credit rating to be able to get it on her own, and ... |
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 What is the cheapest way to send money?? |
Without the person having to go out of the hospital (so banks and post offices is a no)...
Then again is there a way of sending the money to the hospital with out the fear of them getting ... |
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 Requesting debt in collection be removed from credit report? |
| I was told by a mortgage company that I can request that a debt in collections be removed from my credit report without having yet paid the entire debt. I do make monthly payments and would like to ... |
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 What is the statue of limitaions on collection debts? |
| I have justed received a statement for a bill that was owed in 1997 , I called to dispute the bill which is not mine , however they said my social security number matched . How do you even dispute ... |
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 Credit One Bank Credit Card--why are they telling me i applied..? |
| okay so i js got a letter from credit one bank and it says thank you for your recent application for a Credit One BAnk credit card. BUT the thing is i'm pretty sure i did not apply for one and ... |
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 Please help finacial matter? |
| recently i became ill i make good money i was just out of work for 3 weeks. i have got way behind on my bills. were i work we are held a month behind, so now i will not get a check untill jan 18th ... |
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 By doing a survey for a company , I won a package deal from etourandtravel.com. They wanted payment by credit? |
| card over the phone saying I had to pay right away for this trip I had two years to take. I told him I had to consult with my husband and to contact me again. When he called again I told him that I ... |
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 Can my bank account be frozen by a collection agency without being notified? |
| Right now they are just calling, but I do not answer. They sometimes leave messages to call back or they leave no message at all. If they can freeze it at this point of the collection process what ... |
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 What is a debit card? |
| what is the difference between a debit and credit card?... |
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 Can overtime wages be uses in a loan application? |
| I know overtime wage are not stable but can proven stability in overtime wages can be used as wages on a loan apllication? My Salary is 33,000 last year I grossed 55,000, this year My salary is 34,000... |
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saylasmommy | What Is the Best Credit card to help fix bad Credit? |
What is teh best credit card to get to help fix credit? My Credit score is not good...Like a 550...I Need to get a credit card but no one will approve me! Help! |
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bdancer222
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Go to your bank and ask about a secured credit card. You deposit $x and that is used as collateral for the credit card. Use the card and pay it off in full every month. After 6 months to a year, you'll be able to get a regular credit card.
If your score is so bad, you should consider cleaning up your credit report. Get a copy of your credit report (AnnualCreditReport.com) and start with the newest delinquency and work back to the oldest. Negotiate settlements -- paid negatives are better than unpaid.
Get any settlement agreement in writing and don't give them access to your bank account. |
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Angeleyes78
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bdancer222 gives excellent advice! Secured credit cards are the way to go. But if you plan on keeping that card LONGER then 6 months, do yourself a favor AND DON"T CANCEL IT! Even if you don't need to use it, keep it at a 0 balance. That way it will help your credit history( the longer the better), which is 15% of your score! |
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Valcor
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what you need to do is go buy a ring or some jewlery at a store and apply for a card there. more than likely you'll get a approved for a small amount. also goodyear tire places have credit too. become a member there, then slowly work your way up. its gonna take a long time. at least 5 to 10 years. |
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Welcome to Colorful Colorado
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Have you tried WaMu? Washington Mutual? They even keep their customer service centers here in the United States so you are most likely going to speak to someone in English!
But anyway, they will help you with you with fixing your credit score.
Good Luck! |
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Marcie H
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Capitol one offers one for someone who has bad credit. You can also apply at First Premier or Centennial. They will charge a fee for the card and give you low credit scores but if you pay it on time you should be able to improve the credit slowly but surely. |
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Ask M
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then help yourself and read thru creditinfocenter com |
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pigskinpicks
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Check out http://www.ineedrates.com |
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fwf43
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If you have bad credit, good luck getting a credit card in the first place. Exception would be a pre-paid card. |
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gonzo
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Apply for a secured credit card. |
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crystal w
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Try tribute or salute, these are some great cards! |
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