 Bankrupt girlfriend? |
| My girlfriend just told me that she's a discharged bankrupt!! I'm 28, she's 26, we've been together for 7 years, and she went bankrupt when she was 22!!!! It was stupid credit ... |
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 Just thought I'd give it a try? |
Hi, this is George Zimmer founder & CEO of the Men's Warehouse, just by change would anyone have a few million dollars to lend me??
I have the craziest business scheme, I'd let ... |
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 Harassing phone calls- Do I have any recourse? |
| My husband and I moved to a new state 4 months ago. Since our phone number was activated, we have received an increasing number of phone calls from debtors and collections agencies asking for two ... |
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 How did your credit get ruined? |
| I was 19 when my was destroyed. I needed an emergency surgery and didn't have insurance. The "doctors" couldn't figure out what caused the pain, but told me I have endometreosis ... |
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 What is the best way to start building your credit. I'm 18.? |
| I just turned 18 in June. I was told the only way to start was by getting a department store card and then moving on to bigger things. Well, I applied for a JC Penny Card and was not approved because ... |
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 Why can't I get a credit card? |
| I see people all the time who have 25,000 in debt for school loans or people who get pre-approved credit cards in the mail on a daily basis who have NO business having them. I am a 25 year old male, ... |
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 I have no credit history. Should I get a credit card? |
| As the question states, I have no credit history. There is no way I can get someone to co sign for a loan for me. I was just wondering if this was the best way for me to get a credit history if I use ... |
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 I got a letter from Capital One...I think they are suing? |
| I defaulted on my Capital One Card less than a year ago. I recently moved, had the post office forward my mail but unfortunately a letter from Capital One went to my old address at my parent's ... |
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 Do Credit Unions carry out credict checks?? |
| Hi just wondering if anyone knows if Credit Unions carry out credit checks. I doubt very much that they do as they are supposed to be there to help people. I applied for a loan on Saturday and i ... |
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 Payday loans yes or no.? |
| Well it's almost christmas. If you were short on cash for christmas, say around $500.00 would you consider a payday loan yes or no and why?... |
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 I need help with my debts? |
I HAVE LOTS OF DEBTS THAT I WANT TO GET RID OF BUT I DON'T KNOW WHERE OR WHO TO ASK FOR HELP!!! SHOULD I GET A DEBT CONSULTANT???
Additional Details
no i don't own a house and ... |
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 How do I get my credit score? |
| I went to annualcreditreport.com and did my credit report, but how do i get my score? Can I get it for free?... |
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 Finding a home loan when my credit is bad, where can I turn??? |
| My credit is bad because last year my husband became ill with liver cancer. We have been trying to get back on our feet. we can afford a mortgage but no one will give us one because of our credit. T... |
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Katrina B | What company will give you a credit card with bad credit.? |
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Jeremy P
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You can find a complete list of credit cards for people with bad credit here:
http://www.asapcreditcard.com/unsecured-offers.html
Although these offers tend to have higher interest rates (and additional fees) when compared to 'standard' credit cards-- they'll help you build and improve your credit score. Eventually, with regular on-time payments-- you'll be able to apply for better offers with lower APR's and less fees.
Hope this helps. GOOD LUCK! |
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quiescent_soul
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Imagine Mastercard, Orchard bank, First Premier Bank, Total visa, Rewards 660. They all have high fees and interest rates though |
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Tommy W
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I have provided a source below that has a list of credit card companies that will issue you credit with bad to no credit. |
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beauty s
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orchard bank |
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helpme
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orchard bank and cap one |
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Matt
 |
So far the best card I have found for building/rebuilding credit is Orchard Bank. They have a low interest rate (14.90, good for a sub prime card), low annual fee, no hidden fees and if you manage your account properly, they give excellent credit limit increases
Avoid First Premier, Tribute, Rewards 660, Imagine, Total, and Continental Finance. These are all high fee / low limit credit cards that amount to nothing more than a scam.
Avoid secured credit cards. Most report your status as secured and this does nothing to help build/rebuild your credit.
Avoid Capital One. They do not report your credit limit and that damages your credit score. Example, they give you a $500 limit and you use $250, they will report your limit as $250. This will damage your credit score because instead of using 50% of your credit limit, it looks like you are using 100% of your credit limit. |
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gabriel jones
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Bad credit is one of the worst problems to have... however there exists a solution.
I will hereby talk from my personal experience.
I did debt consolidation a couple of years ago, however If I had to do it again I would pay to some minor details,
if someone wants to get out of debt today it is pretty easy with a debt consolidation plan, however it may get a bit tricky at times, I suggest you get as much information as possible online on this first,
a good place to start in my humble opinion is a straight to the point ebook with question and answer I found :
http://umgarticles.atspace.com/debt-consolidation.htm
if it helps kindly remember me in your voting!.. cheers! |
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bidwell
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they are out there like fleas on a dog, and just as ravenous to suck your blood. interest will be high. i suggest get another job for more money. try to keep away from credit cards. |
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$m¤¤v¥ £¤¢¤
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Orchard Bank. They have a card for just about anyone that applies, even secured cards which would probably suit you a little better. Getting your credit back on track is not going to happen overnight and it's no different with a secured card. Granted you would have to put a deposit upfront in a savings account in order to get the same amount in a line of credit, but you can also think of this as a way to start a savings for yourself since the deposit would be tied to a savings account that gains interest. It works in your favor because it not only disciplines you to create a savings for yourself, but you can also increase the credit line by adding to the deposit every once in a while. Just be sure to pay more than the minimum payment on time every month and don't max out the card and usually after a year you get your deposit back with a little bit of interest and either the card will convert to a regular credit card or you'll receive an offer for an even better card. I posted some links to some decent secured cards as well as orchard bank.
Good Luck |
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Zolyshka
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orchard bank |
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Amy
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Look for a "secure credit card". You pay up front, so they aren't extending you credit, but you can use the card like any other Visa/Mastercard. If you keep that account in good standing your credit score will improve. |
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