 How do I build credit? |
| I have tried to get a credit card and cant get approved, even for the ones for people with bad credit. I have two chargeoffs from almost 3 years, I know I need to pay back. I am still paying off ... |
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 My mom stole my indentity, what do I do? |
| My mom used my identity when I was only fourteen to open up a phone. I don't know the details, except what I was told, but recently I checked my credit and it had this huge two thousand dollar ... |
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 How can I rebuild my credit to buy a house? |
| My husband and I have been married a little over a year and we have a baby. We both have pretty bad credit, he has medical bills and unpaid credit cards and I have a repossessed vehicle and unpaid ... |
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 Do you have to have a bank account to buy on ebay with paypal or will a credit card work instead? |
| I have apparently set up an account and added a visa debit to the account...I have NO clue how to go on from there? How do I by on ebay?... |
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 Can I legally be sued for debt for something that was before I was a legal adult? |
Here is my situation (bare with me!)...
4 years ago I started college at a very pricey insitution. I didn't necessarily want to go there but my dad liked it so I decided to go there. Once I ... |
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 Loans for unemployed? |
Are there any real companies out there that give loans to someone who is unemployed, becuase i really need a loan and im in full time college. Also i rent.
I know most of them wont ... |
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 My friend told me that everytime a company does a credit check on me...? |
| such as fashion bug, my credit score goes down and I could be red flagged for having so many credit checks done. I want to know if he is correct, because everytime I go to fashion bug, the clerk ... |
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 Have can I check my credit rating with out having to pay any thing? |
I tried checking my credit report/rating but you have to put in your debit card details and I dont want to pay any thing.
Can I ask my bank do it for me and get them to tell me what my credit ... |
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 Does anyone have experience with collection agencies? I don't know what my next move should be? |
| I have a credit card in collections for roughly 2800.00 . I have had two conversations with the agent. I offered him 100.00 monthly payments. He said it wasn't enough. His tactics are ... |
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 How much credit card debt is bad? |
| I always avoided credit card debt. I own a home and I like to save money. i'm 27 and single and all my girlfriends go nuts with credit cards. I fell into the trap a little bit and now I have $4,0... |
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 Im interested in refinancing my home. i always get tons of mail offering such. what is the best way? |
| im not sure if the mortgage companies are better or the banks?everytime i tried to call them, they are very eager to get my financial details which i dont mind, but giving out my social security on ... |
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 How do I figure out what interest rate I got on my current car loan? My payments/term... $340.54/month; 60mth |
Additional Details
Okay, so you think I need my principle financed... well wouldn't that just be my payments times the term!? So it'd be $20432.40... then you'll need ... |
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 Should I reactivate a credit card whose date is expiring? |
| I have a card that I never use. I understand that for FICO reasons I shouldn't cancel it but I have received a new one in the mail with a new expiration date and I'm wondering which would ... |
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 Credit score of 566, any suggestions on delinquent credit card debt? |
| Keep in mind that this debt is several years old, will paying off some old accounts make it higher?... |
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 I have bad credit affter a bankruptsey 2 years ago - all I have is my job and I want to borrow about $2500? |
| God I think even my dog would turn me down at this point - anybody know anybody who gives real unsecured personal loans based on their employment?... |
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| Can I still File Chapter 7 if I got a summon by a debt collector? |
| I've just got a summon yesterday by one of my credit card I have and I was wondering if I can still file Chapter 7? I do have other credit cards and medical bills that need to by paid as well ... |
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 Can you lend me £20 please? |
| im just asking i could do with a pizza ?... |
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louise198504@btinter... | What gives you bad credit??? |
My boyfriend is trying to get a car on finance. He's current car is on finance also but his mum put it in her name for him to get it. He has not faulted on one payment with his current car, has a credit card but always pays the amount off on time, sometimes paying the outstanding balance in one go, and has not got any problems with his bank so what's causing the bad credit???
I have an idea it's because he's not a homeowner but when i think about it what does that matter???
Can anyone explain to me what causes bad credit?!!??!
Many thanks in advance :)
Additional Details
Thanks for all the answers, in the end he checked his credit online and it turned out it was excellent so he's now spoke to the finance company and has been approved! Thanks again, wouldn't have looked so deep into it without the answers :D |
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broxysbabe
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Maybe its best he got a credit report. This will tell him if he has any bad credit and what it was for. It will also tell him of any CCJ's or defaults he may have. Not being a homeowner shouldn't stop him getting credit, it never hindered my husband.
Check here for more details and at the moment they are doing a free 30 day trial. I think when I last used it 3 years ago it cost about five pounds to get a report and its well worth doing. |
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j g a
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No assets, missed payments or late payments, not a high enough earner, not on the electoral roll, not being in the his house long enough or even his job long enough, try the bad credit companies like welcome finance they'll sort him out as i've got awful credit and they threw money at me for a car. |
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Charlene
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Contact Experian and get a copy of your Credit Report. Some institutions do not update your credit report which they are supposed to. Could be that there is an amount of money showing as owing and isn't. Worth checking. I did that last week and found that Lloyds Gold Card hadn't credtied £10,000 to my card which I paid in August!!! |
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sharmel
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He may not necessarily have "bad" credit, but just not old enough yet to have a credit history, but from what you say he would have SOME credit history, and it sounds positive. You say he is trying to get a car. You don't say he has been refused, but I take it that is what you mean. Only thing I can think it might be is that he is still making payments on one, and they probably know that the car is covered by another person (his mother), plus he probably had to declare his source of income, and how much - and, perhaps too, his young age. They assign you a credit rating number based on this kind of factors, and if he has been turned down it could be the reason - not only for the seller's protection, but also to help protect the person applying for credit, from getting into a bind
The best way to find out for sure would be to get his credit history. There are plenty of services on line for that - and, of course, ask directly the people from whom he wishes to buy this other vehicle. I'm not an authority on this, but these are my thoughts. Hope they might help. |
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Siany C
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Not paying your bills on time, or not paying the minimum payment.
You can also be affected if you do not have any credit. If the creidt e has is in someone else's name, then it is not working for him. The best place to get your first credit from is your bank, as they already know you. |
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John G
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Tell him to take out a personal loan from any high street bank it is far cheaper.
Bad credit is caused by any number of things, Not being enough in debt, previous occupiers of the house you live in or believe it or not, PAYING ON TIME. You can also find out from the lenders why he failed credit but I think you have to pay a small fee around about £10 |
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frindabelle
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late payments and missed payments on any loan,credit agreement, contract mobile phones, not being on the electerol roll,not having enough credit, so many blimmin' things! get him to get a credit report from experian that should explain more. |
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legend
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Missed payments on loans, payment arrears are the most common I would think. |
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moobster65
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he can view his credit history, see where the problem lies. it could be a debt belonging to the address itself. check it out. you can clear your name. |
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Damien C
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cant |
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Kim S
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I have recently tried to get a loan for a car but it has been declined. I have no debt and I am on a good wage. Can anyway shed any light on this. The only thing i can think of is, I am still receiving debt letters for the previous occupier but I have lived in this house for 4 years??? Please help!! |
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