 No credit? |
| i am 19 and have never had a credit card...just tons of debit cards. what credit card can i actually get to start off with?? i would like to build some credit while i am away at college.... |
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 Credit Card cancellation? |
| Okay, I am thinking of cancel two of my credit cards, which i've already paid off. My question is, will it damage or cause my current score go lower? **I barely use that 2 credit cards**... |
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 If I paid my credit card off early, can I charge something on it's due date and be okay? |
Or will it be listed on the previous months (Jan.) balance? My due date is tomorrow but I have paid it off but want to buy something on sale tomorrow..it's the last day.
Thanks!... |
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 Why are these debts still on my credit report after 7 years? |
| I recently visited freecreditreport.com and got my credit score. When I was 18 years old, I got three credit cards in the mail. I had no job since I was going to college full time and used the $2200 ... |
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 Can I sue a friend for not paying a credit card that I opened for her in my name? |
| In '05 I opened a credit card for my ex-manager. I was told by her that she paid it off. It never crossed my mind about the credit card until a couple of months ago i received a letter from the ... |
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 How much will my credit card limits go up? |
| these banks are giving me little credit card offers, like $2,000. how much do you think these starting limits will increase once i start making payments for 6 months? i need a bigger credit line.... |
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 Stupid Target return policy!? |
| I bought a vaccume at Target back in December and paid for it cash. I paid for it cash, but I dont have the receipt. I am aware of their stupid policy. No receipt no return, unless it was paid for by ... |
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 What is the best way for clients to pay me on ebay? |
| I know paypal is the best way but it is not supported by my country (malta). i can pay via paypal but I can't receive money. I need to receive amounts less than £2 so i can't afford to pay ... |
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 If you enter a fake credit card number on a site? |
| One required it but was not charging anything (dont ask why) so i put 0000000000000 and i think it accepted it but i got scared so closed the site. is anything bad going to happen?... |
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 Which Visa card is the best? |
| Platinum visa card ...citibank Visa...... |
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| Can you use a credit card for ebay? |
| do you have use a paypal on ebay or can you pay with credit ... |
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 I gave my bank account details to the jobcentre on monday? |
| do u think my money will be in my bank account today as i get paid today i really need to know coz i might have to pick it ... |
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 How to start my credit history? |
| I have tried applying for credit cards but they won't except me because I don't have any credit what so ever. I want to start my credit, how can I do this when no credit card company wants ... |
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 Building credit wih credit cards...? |
| How long do you need to leave the balance on the card in order to build credit? For instance if I use it today, can I pay it off tomorrow and still build credit or exactly how does that work?... |
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 What would you do if you had a friend that you had a joint credit card account with and they weren't paying. |
| Was trying to help someone build there credit but didn't know there credit was so bad. Tried switching card to them solely but with there credit so bad can't. Also having a hard time ... |
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| What happens if you dont pay the minimum payment amount (or nothing at all) on a credit card? |
| (dont worry, i'm not planning to do it, but I'm just curious as it doesnt say what will happen.......aside from bad credit)... |
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browneyedcutie | What can I do to bring my credit score up? |
My credit is bad due to my divorce. My score is 549. I have some charge off's . When my ex left me i was more focused on making my house payment than my credit cards. I would send them less than the minimum because i couldn't afford more. Is there a way i can get some things taken off? Please help.
Additional Details
The cards are charged off and they won't take any payments. They talked **** when i offered to make a 25.00 per month payment. Now what do i do? |
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echo
 |
When your back is against the wall, you take care of the most important bill - which in your case was your mortgage.
Alot of what you can do with those depends on many things. Like, are they in your name only, are they in your ex's name and you are just an authorized user, how old they are, if they have been sold to collections.
You need to find out your states statute of limitations.
If you are just the authorized user on some of the cards, write the credit bureaus and tell them it is not yours.
Go to the link I've provided. It is a "free" do it yourself credit repair site. Never pay a website for info you can get for free.
Start doing some reading in the newbie forum then in the credit forum. |
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TobyKat
 |
I also recommend using a non-profit debt consolidation company. One I've had success with is Delray CC. They are very helpful and counsel you on how to improve your credit. Just make sure you don't use a debt settlement company, as these will hurt your credit. |
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msthinkpositive
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The cleaning of credit differs according to the state. The length of time for the information to drop off of credit differs also, so you need to talk with the credit bureau to find out the specifics and dispute anything that's on your credit that you have a problem with or that's not actually yours. |
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Trying for Big in Boise
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You can pay back the charge offs. That will be a good start. I know it's hard but you asked. |
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Discovery Tunnelâ„¢. Super Gay EgO
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You need not to max out all your cards to their max.
Make your payments on time and it takes time . |
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Cat
 |
You can use non-profit credit counseling to consolidate all of your credit cards into one payment and reduce the interest rates. Pay off those credit cards, then after that keep up with your bills, and soon your credit rating will improve. |
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john d
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There is some useful advice here. |
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♥Spiky Sandy♥
 |
You need to pay off your debt and get rid of your credit cards. You should never have more than 1 card for emergencies. Don't over-extend yourself |
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lipsmackinghotauntie
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talk to a financial adviser they can help you lot's of luck |
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Alyssa M
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It just takes time, average of seven years for things to clear up. Keep paying regulary and it will help. |
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justhinking
 |
yep a few things you can do.
most importantly is DO NOT APPLY FOR ANY CREDIT!
start paying down your debt, by paying less then the minimum amount , you're only paying the interest. your debt ratio will never come down.
call your creditors and ask them to work with you, you'd be surprised. they aren't 'out to get you' explain your situation and ask for a less stringent payment plan.
try not to use your credit card unless absolutely positively necessary.
Sorry to hear about your situation, i feel for you girl! |
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