 What's the best way to re-build credit? |
| After a bad divorce and bankruptcy, what's the best way for me to repair my credit score and move toward home ownership again now that I have my finances under control?... |
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 Does anyone know of a company that will give me a $5000 loan with bad credit? |
| I'm looking for a second chance on repairing my credit and paying off some dept that i have.... |
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 What happens if you don't pay your credit cards? |
| I'm in a major credit hole. I have about 25k in debt and only make about 28k a year. what happens if i stop paying my credit cards? can they freeze my bank account or take it out of my bank ... |
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 Need a loan but cant get credit? |
| ive tried to apply for a loan for xmas they all seem to get turned down except for ones with outrageous APR'S I WAS WONDERING IF ANY ONE COULD HELP ME... |
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 I need some serious advice on my credit report?????? at my wits end (UK only)? |
recieved my Equifax credit report and O2 (mobile phone company) have defaulted an account i apparently had with them for £10 in September 2003,
i had ordered a contract phone from them on that ... |
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 How Do I get A CO-Sighner For my College Loan ? |
| I live in USA, but I want to go study in EUROPE. Im thinking about applying for a Internation Loan. I graduated last year, and I saved some money for College by now. The problem is I need a CO-S... |
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 Any serious advice would be appreciated?? |
Should I work with a debt councillor or should I file for bankruptsy??? Which is more beneficial??
Big time debt, credit cards at max and creditors hounding us and we never have time to do the ... |
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 Can you use a credit card to buy gift cards? |
| I was told that all gift card purchases must be in ... |
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 Can a recovery agency attach your wages for a 6 year old credit card debt? |
| I got a call from a recovery agancy about a credit debt and they said if it isnt paid they can attach my wages. My wages are already attached for child support, I thought only the goverment could ... |
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 Who pays credit card bills in case of a relative's death? |
| My great aunt pass away. She has no living husband or children. Who will have to pay her bills? She also had no will.... |
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 How do you? |
| how do you build up your credit. I have no credit history and i have no clue about the whole credit thing. Can someone help me.... |
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 Is there a reason for this if so what? |
Hi,
I am trying to apply for a credit card and so far I have been refused!
I am 25 and work full time and rent a flat with my boyfriend. I did have some debt problems but got a ... |
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 Stolen credit card? |
| I had my credit card stolen this morning! I have cancelled the card but can anyone tell me - - I am going to New York in a few weeks and I booked tickets to see a show while im over there months ago.... |
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 Over Draft Fees?!!? |
| I just got back home from visiting my father in northern Michigan after haveing a heart attack. I come back home, check my debit card balance online and its -80.79!!!! all because a bill that I paid ... |
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forever charmed | What are some things I can do to clean up my credit? |
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spottedtiger2002
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The best thing to do to clean up your credit report is to get copies of your credit report from all three agencies Transunion, Experian and Equifax and go over it very carefully. If you find anything that you do not think is correct you can file a dispute (they explain how to do this on the websites for each agency) Make sure when you are ordering your credit reports you do it from the source itself or a reputable company if you do this online you may end up getting scammed for your social security number. If you just have a low credit score but are paying your bills on time it could be because you have high balances on your credit cards. If this is the such try and pay down these credit cards as quickly as possible. If you get your debt down to less than 25% of your credit limit your credit score will jump up dramastically. If you are deliquent with items try and find a reputable credit consolidator to help you clean the rest of it up. This should be a free service that you should NEVER have to pay for. |
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Elizabeth B
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It depends on what your "problem" is--if you have debt up to your eyeballs, contact a debt consolidation program. I was very wary of this, but I have never been so proud of myself for doing this. They contact all of your creditors, lower the APRs (what eats up your money), your accounts are "re-aged", and you pay that consolidation company one payment a month & they disperse the money to your accounts. They got some of my APR's from 29.99% down to 8% & my original debt would have taken me 40 years to pay off; now it will take a total of 4 years. Just make sure you use a "real" company. I recommend "InCharge." Also, if it's not so much of a "being-in-debt" thing, pay your bills ON TIME, try not to bounce checks, & do NOT open lots of credit accounts. When a consumer starts opening credit accounts (a gas card here, a department store card there), then it's a bad sign to the creditors. |
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Gayle
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Get a copy of your credit report for free from annualcreditreport.com Pay the stuff off that is on there, and start paying bills on time. Also, don't apply for anything that requires a credit report (Other than the credit report itsself) because it looks bad to have a lot of applications on there. |
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Jeff
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The simple answer, pay your bills on time.
Your credit only turns bad when you don't. |
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No
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pay ur bills on time! |
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Lianne
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Pay all bills on time
View a copy of your credit report from each of the 3 agencies and dispute anything that you think is worth disputing
Settle anything that is outstanding
Work out a payment plan with creditors if neccessary
No new charges, get balances as low as possible to lower the percentage of available credit used, the lower the better |
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huh h
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Step-by-Step Credit Repair Guide. I hope this helps you.
http://www.debt-loan-refinance-mortgage-credit.com/category/Step-by-Step-Credit-Repair-Guide.html |
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Dolleyes
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pay the bills that have made you have bad credit |
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Jessica C
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Paying off your debts is a great place to start... |
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Doug W
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pay your bills on time. pay off your smaller debts. Do not apply for credit until your debt is paid down. Have at least 12-24 months of reliable credit history.
Cut down on monthly bills like cellphone contracts (do pay as you go).
Try spending 1 year where you don't use credit cards at all to teach youself how to live within your means.
Most, not all, people with bad credit usually just cannot manage their money or try to live beyond their means. My credit was ruined back in 2000 because of back surgery and being out of work for a long time.
Americans have a real problem with living within their means. Even the ones that manage to pay their bills on time. |
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Sinner Man
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time and consistently pay your bills every month |
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Zephyr
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pay your bills ontime |
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