 How does a 23yr old get credit? |
| i dont have bad credit i have no credit and i need to know how to get some. I live in ohio so maybe some places give it here for starter ppl?... |
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 Help please! I am about $14 K in debt and only make$18K/year? |
| I have a an awful credit score and $10K of the debt is a car charge off. I do not know if I want to file for bankrupcy or not, or if it would help me. I am 25 and I do not want to have horrible ... |
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 My mum stole my identity...? |
I'm 16 years old and about a year ago I noticed I'd been receiving letters in the post for quite some time and my mum had been like
"oh don't worry about that, it's for ... |
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 Can a 12 year old get a debit card? |
I want my daughter to put here allowence money in.
So when she goes shopping she does not ask me for money!... |
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 When you order something from Amazon.com, does the title of the thing you ordered show up on the bill? |
When you order something from Amazon.com, does the title of the thing you ordered show up on the credit card bill?
I just wanted to know becuase I may want to order things my parents cant ... |
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 How do I cancel a credit card? |
| I have about 10 credit cards and want to cancel about half of them just to help with my credit score. Is there a way for me to cancel them and then if I have to, apply for them again? The thing is, ... |
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 Which credit card companies would have me, and which would you recommend? |
| I am 19-years-old. I am a university student and other than my grant/loan and earnings from a summer job, I have no regular income (I saved over summer), but I have enough money to live comfortably ... |
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 Is it normal for bill collectors to...? |
| Call your neighbors? My mom has a lot of overdue credit cards that have gone into collection (long story) and now they are calling her neighbors! Is this normal or even legal?... |
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 I have horrible credit. I need a personal loan, Who can help me. I don't care about the rate.? |
I just want to be able to get my Wife and Son Christmas Presents. I don't have a checking account.
Additional Details
I don't want a handout, I want a ... |
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 Could buying a cheap car help my credit score go up!? |
| Ok i am trying to build my credit up so i had the idea that i would buy a cheap car for say $4K - $5K but i was gonna put down $2K as the deposit and try to pay it of within 6 months. could doing ... |
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 How do i convince my parents to let me have credit card? |
| so my dad has an account open with bank of america and he can add up to nine more people so they can share the line of credit. i want to be added(then i'll get my credit card) i'll only ... |
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 Will having a credit card with a co-signer help my credit or theirs? |
| i know i cannot apply for a credit card under my own name because i have no credit report since i am a college student. i have an available co-signer, but will this help my credit or the co-signer... |
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 Should I cancel my Sam's Credit Card? |
We will be paying off our store only line of credit with Sam's this month. We purchased a large item a few months ago that only Sam's had, but are paying it off this month.
We ... |
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 Debt consolidation? |
| I had 6 credit cards (all taken to collection agencies) i then brought them back to current status, then paid 4 out of the 6 off within the last few months. i have 2 left. both current status. one is ... |
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GABRIELLA | What is a good way to start credit? |
im only 18 i 'm not starting college until next year and i already have a car. i need other options i heard getting a payday loan or something might help
Additional Details
i dont have any credit history do dept. stores and gas cards look for that? |
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murzun
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The best way to start credit is to hands down get a credit card. You won't get anything good, but you don't want to shoot for the stars just yet anyhow. Try to get a department store card, like a Sears or a Target card, and use it lightly to moderately, always paying on time. You could also get a secured credit card, where you pay the bank in advance, and you have that balance to use the card against. Kind of lame, but it's a way to get a credit history going, until you don't have to do that.
In about six months time, you'll start getting more and more decent offers from credit companies. Then you can try for a line of credit at your bank (it's like a permission to overdraw to certain extent, up to a certain credit limit.)
After about two years of not messing up, being on time and not defaulting on anything, the really good offers will start to show up and you'll have a good amount of choice. Good luck! |
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beer_farts
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Apply for a Sears card and charge some small things |
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Fryemall
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The best way to start your credit is to get a student credit card. It will offer a small credit line to get started ($500-1000). Use it for your small expenses and pay it off every month. After 6-9 months, you can ask for a credit line increase if you need it.
Once you have some history with the credit card, you can open 1-2 other accounts. These can be store cards (Macy's, Sears, etc), utilities (phone, power, etc) or other credit (car, etc). Make sure you don't open too many accounts and keep your payments up to date.
Do that and you'll have an excellent FICO score. |
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jenn
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apply for a credit card w/ a resonable limit or a spending limit. one that you know you will have no problem paying off, and pay the monthly payments always on time. |
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Silly Girl
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Get one credit card - only one - and put a monthly, recurring charge on it, like a cell phone bill. Then lock it up! Don't use it, just let it charge that one bill and pay it off completely each month. You'll be on your way.
Don't get a credit charge if you think you will use it for other purposes. |
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HiAmp
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Gas card (that you pay off in full each month).
Credit is debt. Not really something you should strive for, but Americans have been brainwashed.
http://www.myfico.com
http://www.daveramsey.com |
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schnauzer mom
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gas card, as one who has had losts of credit over the years, stay away from visa/mastercard, cuz the interest isn't worth it. also good bet, co-sign on loan for cheap vehicle. |
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Reaper King
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STAY WAY FROM PAYDAY LOANS. since you're starting college, wherever the main quad or main gathering area is, there'll be plenty of people looking for kids to sign up for cards. sign up for one and ONLY ONE. use it sparingly, only for gas (if you have a car) and groceries. no cd's, clothes or anything like that. although you will be tempted to believe me. pay off the full balance each and every month and DO NOT pay late. keep this up for ever really and your score will be great once you get to your junior year. |
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thebreakofshawn
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OH! Don't get a payday loan or a car title loan! They are crappy for the economy and have terrible rates and fees.
To build credit:
you need a bank account and to be in school or a reasonable income to get approved. If you aren't getting approved, get a secured credit card (they seem silly, I know) because after using it for a while CC companies will approve you.
Or you could lie and say you are in school before you actually are. I have known people who have done this, but they are careful to pay everything off on time so they didn't get investigated/caught. |
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TexanByChoice
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Apply for a credit card that is backed up by your bank account for a low credit limit (like $500). Then buy something and pay the bill when it comes. Do that for several months and you'll be on the way to establishing credit. Check out www.discovercard.com for one, but there are many. |
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ThereseRose
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Don't just get a credit card. You have to make sure that you make your payments on time monthly and pay more than the minimum amount. This is what will give you a good credit record. |
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augy30
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bad idea ,,,,,,,,,,,,,, still watever its good u think |
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tagi_65
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Get a department store credit card - one of the smaller department stores.
Purchase ONLY a few bucks worth of merchandise here and there - if you buy panty hose monthly, buy them there - that way you're not just spending a lot of money. It will cost a bit more, but it will help your credit if you pay the bill off every month.
Or, get a gas card, and get only what you'd normally get in gas - take that week's gas money and put it somewhere you WON'T be tempted to get into it. At the end of the month, take your cash to Amscot for a free money order and pay the balance off.
Make sure, however, that there's no annual fee for the card. Those can get pretty steep.
Good luck! |
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Dwight D J
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payday loans won't help...they don't check credit
get a credit card with a small credit limit (credit unions are good for this, and Capital One also takes some borrowers in your circumstance...but a credit union will give you a lower rate) |
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KISH KISH
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WHATEVER U DO, DO NOT GET A QUICK CASH LOAN!!!!
apply for a credit card with capital one or throught a credit union! also see what other programs the credit union has for people ur age! if u get a cc don't pay it off every month, u need about 6 mths of payments and leave a small balance of the card. this establishes the credit history. a car is a great way to boost ur credit score. try a department store cc, it has a higher interest rate but they r easy to get! then in about a year or so u can transfer the balance to a lower interest cc and be well on ur way to a good credit score!!u may want to order a copy of ur credit report from http://www.annualcreditreport.com and go from there! |
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Andrew
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Stay away from those payday loans. They are horrible. They charge ridiculous rates of interest. |
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