 I have 10 credit cards open, is it better to have open credit card accounts with no balance or to close them? |
| My credit score is a 690 and I want it higher. If I close some of my credit card accounts will it go up or does it show negatively when you close accounts?... |
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 About to turn 18 and I want to establish credit. What's the best deal on credit cards? |
| I've already been getting credit card offers in the mail and I have no clue which is the better deal. I don't understand anything really about interest and APR or anything... Can anyone ... |
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 If your unpaid cc bill goes to collections but u now want to pay,? |
can you start making payments thru the cc company again or do you HAVE to go thru collections?
(last payment was SEVERAL months ago. collections has been calling me but i havent picked up. ... |
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 How to build credit? |
| i was just wondering on how to build credit, i know way how to i was just wondering if anyone else had any ideas i am 20 years old and i want to get a new crotch rocket next year and i need credit i ... |
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 Please help: How do I get a bad credit loan that is more than a payday loan? |
| I have a bankrupcy and then married a man who has very poor credit. However, I have a good income at a stable employment. I am even willing for automatic withdrawls to assure payment. I just need ... |
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 How long does it take to get your money back after canceling an order online? |
| I ordered from MAC and I cancelled the order. They told me to just reject the package when it comes to my house. Do you know how long it would take for my money to be back i my account?... |
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 What can i do to build credit??? |
| i had a little credit... now its bad credit... how can i build it back or get good credit? what the easiest way?... |
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 How to fix my credit? |
| I have pulled my credit report from annualcredit reports.com. I have a few negatives on my report but I think that I can have them all paid out within 2 to 3 months. After paying my negatives and ... |
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 Can my credit card company, namely Chase do this to me?!?!? |
| I have flawless credit but due to some unfortunate things, I had to rely on my credit cards and have high balances. I have not been late on any of them or any other credit obligation that I have, in ... |
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 Capital One vs. Bank of America? |
| I am 21 and trying to establish credit. I have 3 department store credit cards that I use and always pay them on time and keep them at a balance that if something was to happen I can pay it off in ... |
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 What powers to creditors/ court have to find me? Please i want people that know what they're talking about. |
I have asked 2 questions that maybe haven't been specific enough, please dont give me answers like they'll find you. I need someone that knows what they're talking about..
Im in a ... |
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 I met some chic online and now she needs my information to cash a Cashier Check. can i get in trouble forthat |
please read this and tell me if i should do it. it is an email some chic sent me after only a few emails. i personally don't think i should do it.
I am really worried today,i was in a ... |
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 Have bad credit,financial problems,need help re-establishing credit for better future? |
| have good jobs but we are barely getting by have no options and no finances to work ... |
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 Can not get a cridet card? |
| I have a friend trying to apply a cridet. But seems like no creditors aproved. She is been trying to get a credit card, what does she need to do to get it?... |
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 Credit collection problem? |
| I owe a bank $2,000 it was originally 1,200 but because they put a judgment against me it went up. I have no money and own nothing. They know this and still keep asking for money.Now they want to ... |
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 How does *depositing* money at an ATM work? Is it posted online instantly? |
| There's an ATM in the lobby of my apartment complex and for the first time in what seems like ever, I noticed you could DEPOSIT money from an ATM. But how exactly does that work? If I were to go ... |
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 How do loans work? (HELP) |
B'cus I do motocross and for the new season I could really do with a new bike, i'm getting a job very soon but won't be able to pay for the bike until end of next year probs.
... |
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 Credit card debt already in collections...? |
| I have about $5000 in credit card debt; it's been about 8 mths since I paid any on them. I was out of work due to an auto accident. I want to pay them so consolidation or bankruptcy is not an ... |
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 What are the consequences of Cancelling an active Credit Card? |
| ...an active Credit Card but unused. and how to do it.(online/phone)... |
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infantry55 | What can you do to improve your credit score? besides paying bills ontime? |
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 |
 
ConstElation
 |
Keep all balances as low as possible. Get credit limit increases to improve the credit lines even more. Get any derogatory reports removed. Don't miss any payments and pay on time. Don't close any accounts, unless it's absolutely necessary. |
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traffic816
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2. maintain low balances on credit cards
3. 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.
4. I was told by an underwriter that having just two cards, a major credit card (VISA, MC) and a consumer card (Sears, best buy, etc...) is the best mix for revolving credit.
5. You should have a recent history of both installment or term (Car or house loans) and revolving credit.
--------------------------------------...
http://www.bestcreditrates.net |
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LindaAnn
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Pay down bills but do not close accounts, also you can remove anything negitive from you bureau monthly, starting with the oldest item. This will make your score go up. |
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sportyspice
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Well, depends on how bad your credit is right now. You were not clear on if you have bad credit or if you just want a good score. If you have bad credit and you cannot get a loan, you cannot do anything right now besides pay the bills on time and pay over and above the minimum due on exisiting loans each month. Eventually your bank will erase your bad credit history. If you do not have bad credit and you need a better credit score to do something huge, like buy a house, my suggestion is to get a credit card and use it and pay off the balance each month. So those are the two scenarios depending on your situation. |
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Lg
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besides paying bills. get a credit card buy something like a shirt, once a month on it, pay it off on time. or take out a small loan and pay that on time, since my husband took out his loan his credit score has gone up tremendously. |
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VirtualElvis
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Big effects:
Get your credit card balances lower. If you have smaller balances, your score will be higher.
Fight negative report. Look over your credit report carefully and fight any negative marks on it.
Go to experian or other reporting agency and run a what-if scenario. Experian has a feaure on their site that'll let you run through and see what would happen if you lowered your balances, paid on time, etc. |
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Michael C
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Check your credit report for any misinformation on it. And, yes, don't apply for every credit card out there. Make sure your overall available credit is reflective of your wages. If you have a credit card with $5000.00 available credit you might want to have the available credit reduced to $2000.00 or so. Again, available credit should reflect your wages. |
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Cougar
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don't apply for anything that requires a credit report being pulled. Each time your info is pulled, it knocks your score down. |
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joe m
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stop using them for a year. |
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jbowler
 |
Your credit score is based on the age of your existing credit, how much of your existing credit you are using and your repayment history.
To improve your score, don't apply for new credit for a while: use a half or less of your existing credit and continue to pay your bills on time.
Since your credit score is weighted by more recent events, your current actions will help change the score quickly. |
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TheTruthAboutMortgage.com
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- Removing incorrect derogs or lates, usually in the form of medical collections.
- Keeping credit cards OPEN even if you don't use them to keep your total available credit amount high.
- Paying DOWN debts that you owe, instead of just the minimum payment.
- Keeping new credit inquiries to a minimum unless necessary.
Learn more about mortgage, credit, and finance:
http://www.thetruthaboutmortgage.com |
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