 Building my Credit Score and how the points add up.? |
| I am 18 years old and just refinanced my beetle. Now, my mom had to Co-Sign but she has been a loan officer for 10yrs. She pulled some strings and got me a 7.9% interest rate. Now, that is also in ... |
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 I Need A $8500.00 Loan Desperately, Bad Credit Due To Letting People Get Things In My Name. Know any lenders? |
| In the past I let family and friends get things in my name and they paid for a while and then stopped. Now I am in a situation to where I keep getting denied for a loan. I already got scammed out of $... |
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 Free lotto sent a mail stating that i have won a prize amount, how can i get that, if you know please tell me. |
Actually, free lotto is asking the credit card no. But i do not have an account in an international bank. If you know any one who won that kindly ask them and answer me if possible.
Thanking ... |
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 Credit card at 13 years old (mastercard)? |
| How can i get a presidents choice financial mastercard at 13 years old? I'm very responsible and I hate being in debt, the only reason I want a credit card is because some things that you buy ... |
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 How do i get involved in a credit card scam? |
| i want to make some money i dont care how i live in ca iam serious about this!... |
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 Anyone else think zavvi closing is terrible? |
my brother is very upset as they won't accept zavvi vouchers any more,had to buy him a chocolate muffin to cheer him up!
Additional Details
thanks for the sympathy for my brother, ... |
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 Im leaving my debts (not a lot) and running to Switzerland.Can they do something if they found me? |
I heard Switzerland its like mexico.You can run away there and debt collectors cant touch you.Is it true?
Additional Details
Don ask how i will leave.My fiance wealthy enough and have ... |
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 Are the creditors going to come after me for credit debt? |
| I studied abroad for a year in England, and had a credit card issued from a British bank. I had 1 pound in balance on my card (that's like $2.00 USD). I've been back in the States for a ... |
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 Has anyone been through credit card identity fraud?!? |
| I just got notified that there has been a $10,000 cheque withdrawal out of my mastercard that I never made!!! Luckily the bank stopped it. I just want to know how I can protect myself in the ... |
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 Where's the best place to check your credit score? |
I know a lot of websites offer this service, but isn't there a free website where the govt. allows you to check your score once a year?
Is this safe, or could a computer hacker get in ... |
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 Am I in position to get new car without going overboard? |
| I owe 2975 on mazda 2002. in bad cosmetic condition, first car, no late payment, no repo, credit score 561. monthly income 1911.00, I want a new car, looking but scared to make wrong decision. should ... |
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 How can i raise my credit score?? |
| Im 21, i've been working since i was 16 at the same place. I've applied for bank accounts but because i have no credit they wont let me open an account - i have my wages paid into my ... |
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 If you had a friend or family member with Bad Credit? |
| Would you let them use your Social Security number to buy a car, get a cellphone, get credit cards, or take out a loan? Even if they told you they would pay you back?. People do this a lot because ... |
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| What is the fastest and best way to get good credit?? |
i had some late mortgages a couple months ago and my score is really low. |
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TheGonk
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Keep your credit cards but don't use them. Pay your mortgage on time. Wait. There is no fast way. |
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DR.PHIL-A-LIKE
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pay your bills each month on time
all of your bills
try to avoid lump sum payments if you can
most places want to see that you can manage regular payments and if you always pay things totally off the messes up your credit
because like i said they want to make money off you and if you pay things off they would not turn much of a profit cause you have avoided their interest rates
so make sure that you make payments on a regular basis and don't miss them |
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eMale
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Unfortunately it will take time to heal a problem like that. Just keep paying all your bills on time. Good Luck! |
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Inquisitive
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Find a friend or relative with godd credit. SOme one who has a credit card with a low balance and high limit that they have had for a long time. Tell them to add you as an authorized user. It cost them nothing and does not hurt their credit. You don;t use their card. The way it works is that the credit company will report their good standing on your report as if it was you making the payments all along. If thyey had the card for 5 years, then it looks like you had the card for 5 years too. Just make sure your friend stays current because if they do make a late payment it will bring your score down too. |
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More Lies & More Smoke Screens
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Common Sense!!!
Don't spend more than you have & pay your bills on time...
I know they say the best way to get a higher credit score is to be in debt, but I don't buy it.
If we used our credit cards, we make sure that we will pay them off when the statement comes. I do not want to pay $150 for a shirt or whatever that cost $62. But that is what happens when you buy on credit & make minimum payments. |
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coreys1247
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There are serveral ways, none of them are really "super fast" but they are all effective.
1. Pay off debt. The less debt you have the less of a risk you are to prospective lenders.
2. Add positive credit. If you do not have good credit, this may be tricky; unless you know a few secrets. Read this article about building credit and seasoning credit! http://www.expert-credit-advice.com/building_credit.htm
3. Delete negative credit: This is usually the most difficult one for most. You must dispute the negative items with each bureau they are reported to and usually more then once. Often this process takes months or in some cases over a year depending on the number and severity of the items being reported. You see, everythime you dispute an item with a bureau, the bureau must investigate and verify it with the source that reported it. They have 30 days to do this. If they dont receive a response, then they must delete it. You may get reverified two, three four or more times, but eventually with persistance you will prevail. The same website as listed above, offers a inexpensive credit repair service and a free credit repair kit on their website.
Service info:
http://www.expert-credit-advice.com/credit_repair_service.htm
Free kit info:
http://www.expert-credit-advice.com/free_credit_repair.htm
Remember, anything worthwhile takes time and effort.
Good Luck |
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Starry Eyes
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call your bank and ask them for either a credit card or a line of credit |
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gfd_truck7
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Shawn's answer is pretty much right on, sorry I don't have much to add. |
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wayneraltman
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Read my book this January "When Bad Credit Happens to Good People" . It has many great ideas, and tips to both start credit, and raise your credit score.
Whatever you do DO NOT listen to Shawn. VERY bad idea to let someone else piggyback on your credit. They can easily get thier own card, and make charges, remember you gave them permission. You would have NO recourse either and would be responsible for the debt. |
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jessicadavid p
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start paying off what ever bills you have and dont tap in the your credit ...that will lower it |
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Goldie
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There is not good credit.
If it is possible try to finish with all credits.
Everyone has a lot of things that does not need - you could
sell them.
Best
Z |
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jeromy1998
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I have heard that a cell phone is a good way to build credit.... |
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