 Credit card worries.? |
| i left uk owing over 25,ooo! Two years ago. I want to come back home.I dont have money to pay cards,no savings,no job.But i no affraid to work.What is best plan of action? I dont want to be paying ... |
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 Do you pay a fee to activate your credit card? |
| I just wanted to know is it normal to have to pay a fee to activate a credit card? I was told if you have to pay its a scam. Thanks in adavance.... |
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 Credit Card courtesy check loophole? |
| I've got a credit card that sends me courtesy checks with 0% interest for a year. What's to stop me from writing a check out to myself and depositing it in my high interest savings account ... |
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 Creditors calling my house, my parents at work, and our cell phones at least 1 to 10 times a day..? |
| I am 25yo student, currently no job and living with my parents. I have accumulated a lot of debt and obviously have one creditor calling my cell, my parents home, their cell phones, and their jobs. T... |
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 Credit card debt...? |
| i have about 4-5 diff credit cards that are maxed out im about 7000 dollars in debt they keep callin me to pay it nd i keep tellin them ill make the minimum but i cant because i have to make the ... |
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 If you had a credit card limit of 25,000,000.00? |
| if you had a credit card limet of 25,000,000.00 what would buy or would u only use it when u really needed it?... |
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| I am trying to get back at credit card companies for sending their useless offers.? |
| I need more ideas. I already stuck trash in the business reply envelopes and stuck priority mail labels on them.... |
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| I want to open an account at the bank, but i not have the money to do so. Do you know any solution.? |
P.S i am from Egypt
Additional Details
i have a job i have a mony but bank account need a namber with 3 zero
Many of the answers are not really answers
It seems that it is ... |
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| I am trying to get a home loan? |
| I am trying to get a home loan and I have about 1400.00 of old debt on my credit that has to be cleared up. I am just findinf this out and we are suppossed to close on Aug 14th. I tried to settle ... |
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 Credit card bonuses, is spending $2000 for $20 a good deal? |
using my credit card, if i spend $2000 worth , i get $20 back, is that considered a good bonus? what are the typical bonuses for credit card the ones without any anual fees
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 I need advice on how to get rid of credit card debt.? |
| i have like 5 credit cards and half of them are nearly maxed out. i want to cut the balances down and then get rid or all but 1. how do i do it?... |
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 I need a unsecured bad credit loan of $6000? |
| i make 48k per and am suffering from bad credit due to old doctor bills when i didnt have insurance. At that my debt is all of $4k and cannot seem to get away from this credit issue. I have 2 credit ... |
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 Can credit checks alone hurt your credit? |
Ok people, this is a bit of a rant so hang in there with me....
I heard from a friend that when your credit is checked for any reason it casues your score to go down. The logic behind ... |
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 If you apply for credit cards and are approved, do you have to pay anything just to have them? |
For example, if i had a credit card and never used would i still have to pay a monthly fee or anything?
Additional Details
only reason why i want one is just in case of ... |
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 Is there a charge to get a credit card??? |
I am jus about to sign my credit card agreement and in the small print it says...
Total charge for credit
At the time the agreement is made : £257.78
Comprising intrest in the sum of ... |
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ericsonyip | What is the best way to improve my credit score in a short time? |
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rifleman01@verizon.net
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Buy small things on credit. Don't get a large credit line, and pay off the items right away, or as soon as possible. Avoid late payments like the plague. Never pay the minimum balance. On revolving credit, wait until the last minute to pay since you get no benifit from paying early. On simple credit, pay early to increase the amount that goes to principal. Don't have too many credit lines open at once. That's about it. |
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luciousgreeneyedlady
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payoff your existing accounts especially if any are past due. What do you mean by short time? Things do not happen overnight you know. |
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The She Beast
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If you have no credit, buy things on time, pay it off in three months, do not be late with payments.
If you have bad credit follow the advise in previous suggestions.
Do not apply for credit anymore than necessary because when you are turned down it cost you on your credit record.
Hope this helps
The She Beast |
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MARY A
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get a copy of the report from all 3 agencies. then start assessing the old and new information. see what is inaccurate and challenge it. there are companies that perform this service. do not take out any new credit cards and loans to pay off the debt unless you are sure you are paying bills properly. if you have any more questions you can email me at highergroundfinsvc@yahoo.com |
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aleish
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WAYS TO IMPROVE YOUR CREDIT REPORT
Correct blatant mistakes. Your credit score is only as good as what shows up in your credit report. Review your reports from all three credit bureaus for accuracy once a year as well as several months before applying for a loan. Changing a mistake on your report - such as a payment that is wrongly labeled as late -- can take 30 days to three months, sometimes longer.
Pay your bills on time. This is always a good practice, and it's especially critical that you make prompt payments close to the time you need a loan. That's because a late or missed payment in the last few months is likely to lower your score much more than an isolated late payment five years ago.
Reduce your credit card balances. A heavily weighted factor in your FICO score is how much money you owe on your credit cards relative to your total credit limit. Generally, it's good to keep your balances at or below 25 percent of your credit card limit, said Jeanne Kelly, founder of The Kelly Group in Brookfield, Conn., which helps clients improve their credit scores. |
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hawkthree
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Pay all bills immediately.
Take out a credit card and pay it off immediately. If they won't give you one because of a bad credit history, then get one of those secured credit cards. You give them $500; you get to spend the $500 using your credit card. |
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ach
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Buy stuff on credit and pay it back on time. |
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Network Business Man
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Join my credit repair program. If have financial services to help you with your overall financial situation. www.fdimember.com/brookline
How about not only can we show you how to improve your credit but also show you how you can eliminate all your debts. |
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0
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I'm going to assume your score is currently bad.
You can acquire a high interest, no monthly fee credit card. (Or if you already have a credit card, this is unneccessary. If your score is better you can get a better card.) Make sure it has a 30 day grace period.
Now make all your purchases with this car, BUT make sure you have the money for those purchases. At the end of the month, pay it off right away before you have to pay interest.
If you are like most people, you have at least 1,000$ worth of expenses a month. Regularly paying this back on time will drive your score up in as little as 6 months.
That is unless you already have signifigant debt, at which point the best way is to start paying that down. (I know, easier said than done.) |
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Ivan R
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Hello,
The best way to improve your credit score, is to pay off as many debits as you have in the shortest (realistic) time possible. And that means take the credit card or loan you have the highest debit on & start paying it off ASAP!.
**Depending upon your income & outgoings per month, you need to sit down with a sheet of paper and write down how much you could realistically pay towards paying off your debits each month AFTER all your other costs have been taken into account.
**this could take just a few weeks if the debit is realtively small, or months or even years of the debit is some what larger.
**Believe me there aint no quick fixes!!
IR |
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bobby t
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Take out every form of credit going and don't make ANY repayments. It's a surefire winner. |
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Big Prich
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Several ways, all which are free, and easy.
1. Dispute negative accounts with the three credit bureaus.
2. Opt-out, so creditors stop frivolously pulling your credit
3. Open low-limit, high-interest cards, and pay them off every month.
Or, visit www.WestCoastHomeMortgage.com and a professional can help with the above three items, free of charge. |
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