 Can't pay credit card payments! Please help!? |
| Ok, so I know I have messed up my credit big time. Not to mention that my fiancé’s car got reposed (I co-signed). I am not working like I was a month ago and I can not afford to pay my credit ... |
|
 Is the credit crunch going to spoil Christmas? |
| I hope not because I am a big lego fan and I want the newest sets.... |
|
 Anyone no of this person?? |
Mr Richard Walters
Richards Loan Agency
United Kingdom
Tel Num:+447011137447
Fax Num:+447005978351
I have been approved by this person, for a loan, and was wondering if ... |
|
 Is it easy to get a loan in USA if you never been there? |
| A thought crossed my mind.. So I got curious. I'm sure the interest rates in the USA is cheaper than Australia. So how easy (or hard) is it for a non resident to borrow money from a USA bank?... |
|
 How do i find out about my credit? |
| ive gone 2 some web sites but they all need credit cards theres no site out there that dont need one 2 check your ... |
|
 How do debt collector works? |
I have an international friend who stayed for 3 months with me and now she left for her country with a bill from debt collector coming to my apartment.
She had a car accident which was her at ... |
|
 What's the best credit card to get? |
I have a Capital One right now but I want to know about different benefits and rewards they have. Im not too worried about the interest rate because I pay it off every month.
Additional D... |
|
 Credit score? |
| has anyone used annualcreditreport.com before?... |
|
 People in Debt?????? |
| How are people getting $30,000+ in debt? How do you still have credit to qualify for credit cards and things that put you into debt? I have one credit card that I owed $1100 on and I can't ... |
|
 How can I stop my parents from pulling my credit report? |
| My parents are really nosey and I am well into my 20s and they have no business knowing my financial situation. Unforunately they have all my personal information - social sec #, maiden name (go ... |
|
 Can I get adverse credit info removed from my background if it was for someone who I cosigned for? |
| I co-signed to help a friend purchase a motorcycle. He is still paying it off but has made a few late payments (over 30 days) and this is displayed negatively on my credit report. Can I get these ... |
|
 I need help finding a credit card? |
so i need help finding a credit card with no crazy high intresest or fees i dont care about rewards just mostly the APR
anyone know of some good places to look please ... |
|
 How soon can my car be reposessed? |
| My payment was due on the 13th, but I haven't been able to make the payment due to a family emergency. I am planning on making the payment on October 1st, when I get my annuity money, but until ... |
|
 Trying to get a Credit Card with a 600 credit score? |
| My credit score isn't very high and i would like to inhance my score with a unsecured credit card, but i would like to know eactly what company to use because i dont want to apply for varies of ... |
|
|  |
GC | What is the Cheapest way to improve a credit score by 90 points by the end of the year? |
Preferably without getting in more .debt
Additional Details
I have a 610, with no latefee's or bad marks on my score.
I just have a high debt to available ratio. - 70% |
 |
 
c00kie
|
If you do, in fact, have a history of timely payments with all of your exisiting creditors with whom you have revolving credit (e.g. -credit card issuers), ask them to extend you a higher credit line. This will allow you to have more available credit, and it won't cost you anything, nor get you further in debt. You just must keep that extra credit line available, and not make additional purchases.
It is very important to tell them that you want to get a higher credit line WITHOUT checking your credit history. This is important because additional credit checks can negatively impact your credit report. If you are in good standing with the creditor for a while, they will try to make this possible, because it increases the potential for you to make additional charges, thus giving them more money.
I don't think it would increase your score by 90 points, but if they raise your limits, it will definately increase within about a month. |
|
Amanda H
|
Well, you'd have to say what your score is now and kinds of balances you have on credit cards and what sort of defaults/delinquencies. Someone at 680 with a decent history and a good utilization ratio (balance once cards) would have a VERY hard time getting 90 points.
Someone at 450 with unpaid collections and bad payment history could likely get to 540 without HUGE problems.
1) Paid down all balances on credit cards so you are using 40% or less of your limit-- this makes up 35% of your score.
2) Pay EVERYTHING on time.
3) Dispute all your old collections, late pays, defaults, etc. Assuming they are paid, the creditors often will let you remove them from your report or just dont respond to the dispute at all, and they fall off.
4) PAY all your old collections, judgements, etc. |
|
~*Stephanie S
 |
First of all, pay ALL your bills on time EVERY time until the end of the year.
Secondly, if you have a thousand dollars that you can spare for a while, buy a Certificate of Deposit from your bank. Then, take out a loan from your bank and secure it with your Certificate of Deposit. Pay back the loan, and, at the end of the loan, you'll receive the $1000 (plus interest) back from the CD.
It sounds confusing, but your bank can tell you more. It's a secured loan designed specifically to build your credit. |
|
bianca
|
if you can't lower your balances on the credit cards- call your credit cards and ask them to raise your credit limit- this way your debt ratio will be lower and your credit score might go up a little and also when you going to apply for the mortgage , mortgage brokers have new tool available to them - re scoring program which if you do what i suggested to you will help with your credit score- i see credit score go up after re scoring 40 points. |
|
ChemGeek
 |
dispute every bad thing on your credit report if they can't verify the debt it will fall off. |
|
freemansfox
 |
About the only way that could increase that much would be if you did not have a home and purchased one
Otherwise it is just going to be a slow process |
|
deadhead
|
pay off your credit cards! AND DON"T CHARGE ANYTHING ELSE. |
|
Wendy Jean
 |
Pay your bills on time; early if you can. |
|
PlatinumREI.com
 |
go to www.LearnAboutCredit.com, and visit the super-score page |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
9 | 19 minutes(s) ago
| | | |
8 | 21 minutes(s) ago
| | | |
9 | 43 minutes(s) ago
| | | |
9 | 3 hour(s) ago
| | | |
9 | 4 hour(s) ago
| | | |
8 | 8 hour(s) ago
| | | |
7 | 2 day(s) ago
| | | |
9 | 3 day(s) ago
| | | |
9 | 1 week(s) ago
| | | |
8 | 2 month(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
