 Credit card with score of 636? |
| what credit card can i get approved for with a score of 636 and i derogatory item on my report which i am currently disputing i already have a secure credit card i am just looking for a way to ... |
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 Will I still have a bad credit? 10 points for honest answer. Thank you? |
| Over 2 years ago I had a minor accident. I went to the hospital for couple times. The bills were about $990. I had a health insurance, but the health insurance have never paid for it. Finally, last ... |
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 Where and how to apply for credit card? |
| Iam just trying build my credit. well, I would like to have a credit card. Where do I apply for one with low interest. Thanks in advance.... |
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 E-bay / pay pal? |
| i have just sold an item on e-bay(first timer!) the payment is in my paypal account but not in my bank acount yet(had a few prob getting my way round it),is it ok to dispatch item to buyer, as i feel ... |
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 I have poor credit. Where can I obtain a small $600 loan/credit card with no fees.? |
| I have poor credit. Where can I obtain a small $600 loan/credit card with no fees. I need the money to invest in a new career that will hopefully get me back on track.... |
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 Credit cards for kids? |
| is there a credit card where my kid can use it but i pay it off?... |
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 I (minor) just bought a visa debit card, and my mom won't let me activate it.? |
| I'm 15, and I just bought a visa debit/prepaid card from HEB/netspend.com, and was told that in order to activate it, I was told that I needed to fax them my mom's social security card, my ... |
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 What is considered a Good credit score.? |
| i just receive my score one is 660, 690,689. so am ??? in terms of what is a really good score.... |
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 I have had a letter from a debt coll. agency. The debt is from 1997, am I still legally bound to pay? |
| This is relevant to law in England & Wales - I have heard that after 6 years, the debt is 'statute barred' ie expired, and although this debt agency has threatend me with court, would ... |
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 Do you think it's right that an employer makes his whole hiring process based on your credit.? |
Additional Details
Ok, what if the person has fell on hard times and bills got backed up judgements fell on them and no one would hire them because of such. You try to better yourself ... |
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 New capital one credit card? |
| ok i just got approved for my first credit card a capital one it should be here in 10 days im very good with paying my bills so that not a problem it said that i'll have a 0% intro APR untill 4 ... |
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 What are the chances of being approved for a mortgage if I can put 50% down? |
Small home worth 35k, selling for 25k (by my uncle). Continuous work in the same field for appx 1 year, and credit score 620ish.
*Fiance wants to liquidate and invest his mutual fund in ... |
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 Read the question please, no dumb answers. Would there be a problem paying more than the statement balance? |
| On a credit card to cover purchases bought after the statement? Say I have a $100 bill and I bought $100 more of stuff after the statement was mailed. So the statement is 100 and the online amount ... |
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 How long does it take for a check to appear in your bank account? |
I recently placed a paycheck into my checkings account at commerce bank, along with a 100 in cash.
So far it only shows the 100 in cash that I placed and not the paycheck. I placed ... |
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 I have NO credit how can i start to build credit? |
| I have no credit I have tried to apply for small loans or credit and gas cards just so I can start some where but I dont get approved because I have no credit history! Where Can I start!!!... |
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 Someone stole my credit card and charged almost $200 last week...I know who did it, what are my options?!?!?!? |
| I'm really pissed off. I know who they are and where they live. I want to know what are my options... Like can I sue them or press charged with the police...etc... This was really mean and ... |
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 Collection agencys? |
| do you think collection agencys are allowed to call you at work and demand payment over the phone?... |
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 Paid online surveys? |
ok well i'm thinking about starting to do paid online surveys. are there any legit payed surveys out there. would you please list them.
also if you have ever tried anything like this ... |
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ernest j | What are some things i can do to reestablish my credit? |
i got a car in April and i make all my payments on time..but i still got turned down for a credit card..i tried to get a loan from a bank and i got turned down for that too..All i want is to prove that i'm responsible and nobody will give me a chance..(even though i have a car loan and make all my payments on time)!! I'm about to give up..Anybody have any suggestions?? 10 pts for best answer..I'm really gettin frusterated |
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Jessica M
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The truth is you need to pay your payment for at least 6 months on time. You might try establishing credit by paying for somethng 90 days same as cash. Some furniture stores will let you buy this way. Once you have an account with them and actually "pay as agreed", then you can go to a bank and request a credit card application. |
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sky
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You can put some money in a savings account and then borrow against it. Make your payments on time and it will help establish that you can pay off a debt. When you use your savings account as collateral it is easier to get the loan and get a chance to prove that you can make payments on time.
Good luck. |
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mario c
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go to the credit buru and get a credit report see what may be affecting your credit score but if you just got a car in April wait a few more months and keep making payments on time and make a little more then usual it will show up on credit reports and will show you are responsible |
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retsiemeop
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Get a job that you enjoy doing that pays more ( you must be over the creditors limits in regards to living expences to income ratio ) and pay all of your bills on time. That's the only way to better your credit score. The lower your credit score, the higher interest you will pay. Don't burn your money buy paying late fees. Save that for your kids or a vacation. |
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Richard
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Don't fret! There are credit cards like capitol one and orchid bank that are meant to help you establish credit. Secured credit cards, you put up $150 or $300 as collateral and you get a small credit line, use the card and pay it off and they will report that on your credit bureau. Also some cards have a $70 yearly fee but you pay it over the entire year in like $5 increments, they will report this on your credit bureau as payments made on time. Also you may put like $1,000 in a CD at a bank and take a secured loan on the money. Also look into some department store credit cards. |
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Keyon F
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If you own your own home you can refinance and pull cash out to pay off you bills and raise your credit score dramatically. I work at united lenders group and work through 45 different companies so i could help you get a mortgage loan no matter what debt you in
916-860-0804
keyon |
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Koray
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First of all I didnt see your credit but you need min 2 credit line and they should be good condition.
If you need money go to prosper.com you can apply credit over there. |
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robert w
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Let me understand you want to become a slave to debt?
you want to borrow to buy something that depreciates daily, hope fully not to impress some. You do not need credit in this country no matter what the banks tell you.
Read The Millionaire Next Door , visit DaveRamsey.com .
Get a 2nd job save up pay cash. The car companies make more money on the loans than on the car. |
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tebone0315
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Get one of those credit cards you have to pay for. Such as Orchard Bank Cards,they have Visa ans MasterCard, they will give you a low limit and then as you pay it off your limit will increase. |
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BuddyGuru
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Give up, you're better off with no credit anyway |
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Skip
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If you just want to reestablish your credit that is good. You don't want to over do it with your income and the amount of debts you are paying.
There are several ways you can accomplish this. One way to establish credit is to open a credit union account. You can find one close to where you are. If there is a family member in a credit union, you may join through them.
Once you have joined the credit union open up you a savings account with as much as you can possible, say a savings account of $400.00. A couple of days later go back to the credit union and borrow $200.00 on a signature loan and offer as collateral your savings. You will be approved immediately without fail. Pay this account as well as your car note which will give you two trade lines. Put the $200.00 back in your saving account.
Once you have paid them as agreed, find another relative in a different credit union and do the same thing again until you have about 5-6 trade lines or as many as you want with good credit. Always put the money back in your account a couple of days later.
Another way is to find a jewlery store that advertise no credit, bad ccredit all approved, open up an account with them for about $50.00. You will have a pretty good piece of jewelery and repairing your credit at the same time. Pay this on time alone with the car note also.
Stay away from the credit cards that you are required to pay for. They are more trouble than they are worth with high interest rates.
The above method work really well and you can control what you purchase as you can get a loan for $100.00-$200.00 with small payments and excellent rates since you have collateral
I hope this has been of some use to you, good luck.
"FIGHT ON" |
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manzr2001
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best way is to acquire a secured credit card in which you deposit in a bank of a certain amount depending on the requires amount the bank required. and pay them diligently. |
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lulu
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Go to http://www.annualcreditreport.com
You can get all 3 credit reports, Equifax, Experian & TransUnion for free and it dosen't affect your credit to pull your report from this web, it dose affect your credit when a 3rd part company pulls your credit report ( car, store, credit cards,etcc) .
Than see what is affecting your credit, maybe collection, late payments,etcc....
Write a letter by hand not computer to each one of the credit bureus explaining to them that was an error and you need them to investigated. Wait for the results, which can takes up to 30 days.
I hope this can help... |
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leo
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you may also need to increase your income - you didn't say what it was so don't be offended - give it some time you really have not been paying on the car for a long time period - and a nasty little thing is if you fill out a lot of applications at once this is reported against you- I know I've been there |
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