 How to build credit up? |
| cause i dont have any credit and i cant get a credit card ... |
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 Secured Credit Cards? |
I just opened last week 4 secured credit cards with $300 credit limits each. I need to repair my credit...
If I charge $10 on each monthly then pay all of them off monthly and keep doing ... |
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 Do those debt consolidation websites really work? |
| My boyfriend is around $17,000.00 in debt. He almost signed up with one of those debt consolidation companies online. What they told him to do in a nutshell is to pay them X amount each month and not ... |
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| Credit card interest rate jumped to 30%! Why? |
| My husbands Washington Mutual credit card jumped to 30% interest. We have never been late on a payment and we pay way more than the minimum in order to pay it off. Right now the balance is $423.00 (... |
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 My nephew has a bunch of bounced checks? |
| He has bounced about 5 checks and has no money to put in the bank to cover what he has written + fees and such. He has no job, so no way to pay them back and none of the family is willing to loan ... |
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 Is it a good idea to take out a small home equity loan to pay off credit cards? |
10000$ to consolidate 7000 in debt, the going interest rate is 7.5 % we are currently paying between 13%-23% on the cards
Additional Details
the remaining three thousand will go torward ... |
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 Am I responsible for my girlfriend's credit card that is in my name (she is additional cardholder)? |
Her name is actually on the card... If we break up and she does not pay it, can I go after her legally?
Additional Details
She has a totally separate card eventhough she is on my account ... |
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 Go bankrupt or not pay? |
| im not sure what bankrupsy is everyone tells me don't do it. bc i will still have to pay it back. but right now im not paying on my credit card debt. so do it or just let it keep racking up?... |
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 What credit score should I go by? |
| transunion experian and equifax all have different scoring methods. which one is most accurate when it comes to what a creditor will look at...? So basically is the equifax score closer to what a ... |
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 Who here is getting sick and tired of 'where is my rebate' questions? |
| I just wish some of these people would at least read some of the answers pertaining to the rebate before asking the same question over and over.... |
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 I'm confused...do I need credit card...help? |
| I have recently moved to US (legally :-) ) and I have been watching a lot of shows (while I'm home with my baby) and I'm trying to find out what's the best for me...the only one thing ... |
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 When I move, how do collection agencies get my new address? |
Additional Details
I got no utils, its a rented room in an established company.
My bank account? <-- my ... |
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 Can someone help me get a loan to pay-off all cedit debt that I owe? |
| I do have a job but may credit is extremely bad and I need to turn that around please help me.... |
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 How do I stop a bill collector from calling my number, they have the wrong number? |
| Companies have been calling my number for a person sho had the number before...fair enough...but it has been a year since I got this number. The same companies are calling. I have threatened to ... |
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 What should I do if the billing department keeps harassing me? |
| I was the passenger in car accident last February. i went to the hospital to get checked out and I was fine but just for looking at me and taking an X-ray cost 277.00. The insurance company of the ... |
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 We are drowning in debt......dont know what to do? |
| We have been hit so hard with car problems, hospital bills, medication, etc. I have bipolar disorder, and also fibromyalgia, my boyfriend has a terrible back problem and has had to miss tons of work. ... |
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marcbrazman | What is the best way to repair and re-establish credit after a chapter 7 personal bankruptcy? |
Mine was discharged in January 2005. |
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ken_voss12345
|
hello, sorry to hear about this, hopefully one day you'll look back at this from a better position, things always go up and down.
Here's some reading that will cover some of the points, all free
http://finance.ebookorama.com
also plenty more to read here
http://credit.ebookorama.com
http://credit-repair.ebookorama.com
http://credit-cards.ebookorama.com
good luck! |
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taketwo
|
as per 014beth |
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Drum Wiz
 |
Filing a bankruptcy these days is not like filing 20 years ago...Back then you where screwed for years...but now it's alot easier to get credit after a chapter#7. There are credit card companies out there that will give a credit card to low credit score people, but shop around because of the interest rates they charge. |
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oleurud
 |
I went bankrupt a year ago. I have a score of 650 which is a fair rating yet not good enough to get a good deal on a card but good enough to get a card just the same.
1) Get copies of Equifax, Experian and Transunion credit reports. All discharged debts by law have to show $0.00 balance. I found that all of them on my reports still showed balances. Use the dispute option and demand that they show $0.00 balance. Most will be corrected in 30 days. Of those that don't show $0.00 you will have to send a copy of your Bankruptcy discharge sheet and also the sheet that shows you included disputed discharged debt. One super neat thing I noticed was that almost all of the bad debt was not only $0.00 balanced but actually deleted. I did ask the 3 major credit reporting companies to make them $0.00 balance and delete them. It worked pretty well for me and my score jumped 50 points almost instantly.
2) Get at least two credit cards (Capital One is best). Hopefully non-secured. Instead of using debit card for purchases use a credit card. Debit cards will never help your score.
3) Always pay off the whole balance every month and never pay any interest. Use your cards for everything! Most card companies have a 20 day grace period before charging interest on purchases only, not cash advances. It will take two years of good paying to get your score moving up.
4) Take out a couple loans . One being a car loan and the other a secured loan. It can be for $1,000.00.
5) Never be late on anything. The longer the credit history the higher your score, as long as you are always on time, even with a bankruptcy!
6) I wish you all the luck! |
|
men t
|
How to Improve Your Credit Rating After Bankruptcy
http://get-out-of-the-debt-trap.com/category/How-to-Improve-Your-Credit-Rating-After-Bankruptcy.html |
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DAVID S
|
One way to do it is to buy a car and finance it. Most car dealers have programs that finance discharged bk. You will pay a high interest rate but it will reestablish your credit. I have been doing auto finance for 6 yrs. If you have been on your job for at least 6 months and can come up with about $1000 then I can get you financed after it is discharged. |
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014beth
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I deal with automotive finance, and the banks need established credit after the discharge! So you need to go out and get a stupid credit card! Charge 1 cheap thing a month, so that you can pay the bill off as soon as you get it! Good luck! |
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splaa
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I am not too sure but i would say get a credit card with a low limit... Like $200.00, make sure you can pay it off, max it and pay the bill. Do that a few times and people will start to trust you again i'm sure. |
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David F
|
I’m in the mortgage business and send all my clients with
Credit issues to this Lexington Law. They do wonders making all kinds
of things come off the their credit reports.
Try them out they are Awesome!
http://www.lexingtonlaw.com/Home.php?tid=662.0.5859 |
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sweettoni37
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One Way you can either get some one to help you open up an account with the Credit Union and then borrow from them and pay back quickly even if you do not need the money borrow (very little) anyways and pay back just a little more, early do this about two-three times this will LOOK GOOD to the Creditors and Builds your credit back up. Or you can come across certain agency's that will help you reestablish your credit and they will watch your credit for you over the years, EXAMPLE: I came across an agency that at the time I paid about $350.00 dollars one time only was told to order my Credit Report from all three credit companies,Experian,Trans Union, and Equfax then I mailed it off to this agency and within 3-6 months If I wanted to purchase a car house, I would have to wait on a reply from this agency they would give me the go ahead to do what ever I needed/wanted to purchase. IT WAS GREAT, And every year once a year I would pay about $150.00 to have them continue to watch my credit making sure nothing was applied to it that would damage my credit. I came in contact with this agency when I lived in Atlanta,GA. It was the best thing I ever done I was able to purchase a car/house when I thought I would never be able to one day do, Because I had a Chapter 7 and 13 on my record. Take Care and it will work out. |
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Studly
 |
Go to http://www.lifeafterbankruptcy.com
This site was set up for folks like you trying to get thier life back in order. It has lots of advice on getting your credit re-established. |
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