 How to send a personal check on Ebay? |
| Do you send the check after you won the bid or before?And do you send the check after you got the item or before?... |
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 Is there a legal way to stop bill collecters from calling? |
| I Became unemployed in june and have fallen behind on my credit card bills. I had excellent credit until now. In that length of time my credit is destroyed and it is still impossible for me to catch ... |
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 Credit card advice for Dummies?!? |
| I'm thinkin about applying for a credit card, I've never had one before and don't have an overdraft or any other kind of debt. Thing is i'm planning to go travelling at the end of ... |
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 Dealing with an aggressive collection agent? |
| The last two years of my life have been extreamly difficult financially. I have worked my butt off sometimes 4 jobs 80+hours a week to avoid bankruptcy and pay back all my previous bills/debts. I ... |
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 How do you get bad credit? |
give me some examples
Additional Details
is it true if you go over your half way mark for your credit card limit, its considered bad? I went over my half way limit, but I don't miss ... |
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 Can Sears credit card garnish your wages if you owe them money? |
| My hubby was planning on paying them off with his tax return but we are getting calls about how they are sueing us and going to garnish are wages will they do that? up until 6 monthes ago we were ... |
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 How can I remove a default on my credit file? |
| I was recently refused a loan. Upon further investigation, I found that I have a default on my credit report from O2. My contract with O2 ended 3 years ago. The default was put on this year but I ... |
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 How can I convince my mom to let me have a credit card or something like that (I'm 13 years old)? |
| I'm 13 years old and I'm turning 14 years old in a few months and I'm going to get my working papers work a job. I know it sound crazy that I want a credit card, but I need it to buy ... |
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 How long does it take for a 10,000 check to clear? |
Additional Details
I deposited the check in my Bank of America account, and the check was from Chase Bank.... |
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 When A Couple is Married, Do They Take On Each Others' Debt? |
| I feel foolish for asking, but hypothetically, if I was x amount of dollars in debt due to college loans, will my new husband take on that debt? Will it reflect in his credit score or taxes? How ... |
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 How do i get a bank loan? |
| Ive just been to Spain for holiday and saw this closed down pub, its in a prime location next to all the English hotels, with two big palm trees growing outside the door, and would make a great ... |
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 Will this hurt or help my credit?? |
| i currently have three credit cards. if i where to take the balance on these three credit cards and place them onto a new card that could hold the amount on all three of these and then close the ... |
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 I am 20 years old with no credit? |
| I have tried everything no one will approve me of a credit card, loan, nothing. I'm not in school so I can't take out a student loan. I've even tried applying for store credit cards ... |
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| What is the worst that could happen if someone sees your pin number? |
hey
i want to know if someone by chance saw ure pin number when u r using your credit card at the atm what can happen cause if they dont have your credit card or credit card number they ... |
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| True of false? |
| everytime someone checks your credit, your score will go down? like applying for credit cards and other stuff.... |
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| I got my first credit card last year and screwed up. I went over the credit limit. If I cancel.......? |
If I cancel it, will all the monthly finance charges and such stop, and I will just have to pay what I bought only?
I screwed up, it was so easy to just use the card and now I wish I never ... |
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funnyhaha | What is the best way to inprove my credit score? |
Some I get additional credit cards- don't worry I have always used my credit cards only to pay for gas. I always make all of my monthly payments on time. What are other ways I can quickly improve my credit score? |
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dzwreck
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Here is a great blog with everything you would want to know on credit scoring, improving credit, building and rebuilding credit, etc.... |
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micahcf
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Make a large purchase like a car or, ideally, a house, then make the payments on those. |
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?
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use credit cards to buy money orders to yourself then cash them in and pay off the credit with the money . |
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petlady5
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If any have any credit cards, make sure the balance is less than half what the available credit is.
Get a phone line in your name. Utilities are a good thing on credit reports, provided you pay on time.
Don't have more than two credit cards active at once. Cutting them up isn't good enough. You have to actually close the card, but don't close more than one per month. |
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Jessie H
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Pay more than the monthly payments if possible. |
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paris230425
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the best way I found is to go to a car dealership, get a car and make all your car payments on time, and that boost your score like you would not believe. |
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Mike N
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pay off bills on time
pay off loans on time or early
pay credit card payments on time |
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beauty s
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Just keep doing what u have been doing.. pay your bills on time each month.. and yes it takes time for your score to go up.. I say 6 to a year.. |
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LEON
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buy small items and use shop credit to pay them off if the installments are 6 x £100 then pay that as you get a bad rating for paying early ie less interest made |
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combat_het
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If you have parents or friends that trust you very well. You can use a method called piggy backing. Assuming they have a high credit line and low balance they can add you as an authorized user. You of course do not use their account just their credit. How it works.....The high credit, low debt account will also be reported to your credit agencies |
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Patrick
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One way is... deposit $1,000 in your savings account at your bank... then take out a secured loan for the same amount... make the payments for 6 months and then pay off the remaining balance. That will build your score and your relationship with your bank! |
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illushen4o8
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As a previous personal banker for Wells Fargo and Bank of America, I've found that people that hold 2 - 3 credit cards at most for an amount of time for more then 1 - 3 years with no debt on the cards had the most highest improvement on credit scores. Credit is based off of a debt-to-income ratio, so lowering whatever debt you have and improving your income over a long period of time will drastically improve your credit score. Just remember what debt actually is, debt doesn't just refer to credit cards, it refers to whatever insurance you have to pay for, a car loan, a cell phone bill, rent, anything you document as neccessity expenses. |
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Blunt Honesty
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If your debt is paid down monthly, it will not increase unless you take on more debt and show that you can continue to pay it in a timely manner. |
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david a
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1. Always pay on time or ahead of time.
2. maintain low balances on credit cards
3. keep your total potential debt to earnings load low - If you have a card with a $15000 credit line, you may ask them to reduce it to something more realistic, like $5000.
4. I was told by an underwriter that having just two cards, a major credit card (VISA, MC) and a consumer card (Sears, best buy, etc...) is the best mix for revolving credit.
5. You should have a recent history of both installment or term (Car or house loans) and revolving credit.
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http://www.bestcreditrates.net |
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Not Your Average 80s Baby
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Its really hard to improve your credit. It is so easier for it to go down than up.
There are a few things that can prevent it from going down.
- Watch your inquiries. Inquiries on your credit brings your score down
- Prevent past due more than 15 days
- Don't have a lot of credit. Keep revolving credit to the minimal. And only use revolving credit that you can pay off every month. So only charged amount that you will be able to pay off when you recieve your statment. |
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colormehappy
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don't max out your cards, don't close accounts that are in good standing and have been established for a long time, pay more than the minimum and pay on time, increasing your income can also help improve your score |
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Kevin F
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Get a better paying job. |
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Al D
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Pay off your debt. |
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