 I am in debt, should I ignore those creditor and collection calls; file bankruptcy; or try to repay the debt? |
| I am a 24 year old in California that is currently unemployed. I am a full-time student and have less than $1,000 coming in every month. I have around $15-$20k in unsecured credit card debts that I ... |
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 What is the best company/solution to consolidate my credit card debt with? |
| If I do not have a perfect credit score and I am past due in some credit cards what is the best company to consolidate debt with so I can make one payment?... |
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 How good does your credit score have to be...? |
| to get a $30,000 unsecured credit cosolidation loan with a decent interest rate? I dont want to start applying for loans if I dont have a chance.... |
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 What other things might stop me from obtaining a credit card? |
I'm both upset and confused.
My credit score isn't bad.
I've not lost a days work in 8 years.
I'm pensioned from the military.
I own my own home.
I can... |
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 My friend just turned 18 and wants to know how to get her own credit. how can she get her own credit? |
she wants to know how to get her own credit so she can get a new/used car and credit cards and such.
Additional Details
besides just getting a job ... |
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 Can Creditor remove derogatory information from credit report if you make a deal with them to pay the balance? |
| I have an old balance not payed on an acount listed on my credit report. I'm willing to pay it only if the creditor will totally remove the derogatory information from my report. Is this even ... |
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 How can i build up credit? can i get a credit card? |
| i started my credit with my cellphone but i've only had it for 6 months now and me and my husband are looking forward to buy a house but no one won't even rent us an apartment i was ... |
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 I have no credit and want a credit card but don't want to have to prepay for one. Know of one who'll accept me |
| I've tried capital one and they didn't approve me. I tried orchard bank and they wanted me to prepay for one. I don't want to do that. Know of one that will approve me and is actually ... |
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 How do I stop my mom from giving me bad credit? |
| She's been using my ssn to open accounts, and I don't think she's been paying any of the bills! I just got a letter from Sprint(in my name) and I remember we had Sprint a while back, ... |
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 Should i get my daughter a a visa card? |
| my daughter receives an allowance of ten dollars every 15 days and she either cant keep track of it or spends it as soon as she gets it. this happened with my other daughter so i got her a visa card ... |
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 What decision do I do with a money decision? |
| I am getting a good deal of money soon and I want to put it on a credit card bill and get rid of that bill and it would illiminate a 50 charge of interest a month. My fiancee' wants me to pay ... |
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 Is a walmart credit card a good stepping stone to getting a regular credit card? |
Hi, My husband are trying to build our credit score, we've always paid all of our bills on time and he has a good paying job (three years) we have no debts and 4,000 in savings
and we were ... |
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| A friend of mine unfairly denied sale. who is at fault? |
| my friend went to buy something from a shop. He then handed over his credit card for payment. The cashier questioned him that the card isn't signed in the back, so he cannot accept credit card. ... |
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 What do you do when someone stole my social security number and used it to get loan in my name? |
How do I go about in getting that off my credit record and not having to pay for that loan.
Additional Details
Well this happen like 5 years back I just noticed it on my record... does ... |
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david_rosburg | What id a good way to build credit? |
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 |
 
Studly
 |
I'm assuming from your question that you are just beginning get credit, and haven't destroyed yet. Right?
The better question to ask is "how do I improve my Credit Score?".
Credit Guru, a regular poster here, gives an excellent site to research this at www.myfico.com. Below is a link to some downloadable brochures that they offer that will help you out.
Take the time to study them, they are excellent. |
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silver wings
 |
Ask for a small loan, pay bills on time, apply for a credit card such as those provided by store chains (example Sears, JcPenny etc)and pay back monthly. |
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Frank Castle
 |
Apply for as many credit cards as you can (But use only up to 50% of your total credit at all times, the lower the better) |
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DramaGuy
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Get about 4 to 6 cards, use them and pay them off. Run a small balance occasionally. |
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a L a Y N a
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Cell phone |
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Rainbow_Crayon
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Get a credit card, with a maybe $300 limit. Buy something small , Like a pair of jeans or something once a month and make sure you pay the bill on time.
It's a quick and easy way to build up credit. |
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SteadfastOne
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Never borrow more than you can afford to repay.
Always pay the full balance on your credit card(s) each month.
If possible, pay your bills EARLY, but NEVER pay them late. |
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slipknotstoner420
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get a store credit card, then u can only use it in one place ex. you wont be tempted to use your JCpenny card at walmart. |
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daizy
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Pay your bills on time. Even one day late could bring down your score by 30%. Having joint accounts with your spouse could also bring down your score. |
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georgiany511
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my credit was shot so I opened up a secured credit card from citibank (Im sure other banks offer them too). i gave them $500 and that was my limit, and this way if you dont pay off the credit card they already have their money. when i closed it they sent me back my $ plus interest and i was getting lots of offers for cards from other companies. be careful and good luck |
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