 I just turned 18, what is the best way for me to get a credit card? |
| I want one that I can use anywhere, not just a store credit card.... |
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 My 12 year old son wants a kids credit card any good places you can recomend? |
| He wants a proper card that he can use and not a pass book, he wants a good interest rate if thats possible.... |
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 Do you have to deal with collection firms who "purchased" the debt, or can you work with the original banks |
| I am 22 with about $2200 in credit card debt with no real secure source of good income. I just barely get by without having to pay this bill, but I think I could afford to make low monthly payments. I... |
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 I have really bad credit and I need to get a car. Is there anyway I can finance a car with horrible credit? |
| I have a consumer credit counseling or something like that showing on my credit report. Help me out I need a car!... |
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 I am drowning in $20000 of credit card debts, I am making about $1,500 per month, what can I do?? |
| I have about 9 credit cards, I don't have a house or a car. I had goto many banks and they don't approve me for consolidation loans... Right now, I spent all of my salaries each and every ... |
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 Does bankruptcy destroy your credit for life? |
| With the rise in the cost of everything I'm getting close to having to claim bankruptcy. Is this going to destroy my credit for life?... |
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| Going to court over debt? |
| A friend is being sued in Texas for a debt. 2 years ago he was sued over a debt his ex defaulted on. There was a default judgement and I doubt he paid the debt. I think the new suit is an attempt to ... |
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 Should I call the Credit card company to reduce my credit limit? |
| After several years of CC debt I finally made it a point in 07' to pay them off. So I wrote a $12,584.63 check (that hurt) to Visa to clear the remaining balance. The limit on this Visa was $16... |
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 I have credit card debt from 2001 When will it fall off the credit report? |
| My husband and I live in California and back in 2001 we were in a financial crises and didnt pay 5 credit card bills. But I have several collection agencies calling and sending bills. When will it ... |
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 I need help finding a quick personal loan? |
| Can someone help me find a quick personal loan, something other than a payday loan?... |
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 What credit card company offers a low interest rate %? I need to open a major credit card.? |
| I'm 18 years old and I would like to open a major credit card but I'm having a hard time finding one that has a low interest rate. Any suggestions on who to go with or where to look on the ... |
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 If we didnt have CREDIT we would never survive on our salaries so why is everything so expensive that we have? |
to have credit to afford them.
Additional Details
I DONT HAVE A CREDIT CARD OR ANY CREDIT I BUY WHAT I CAN AFFORD WITH CASH AND GO WITHOUT TILL THE END OF THE MONTH IF NEED BE... |
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 Credit card APR? |
| Is 17.9% to 19% APR bad for a Hess Gas card. We are trying to better our credit as much as possiable.. If we buy gas every month and pay it off in full will the APR even matter??... |
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 How do you get ONE free credit report without signing up for a trial of anything? |
| I keep seeing offers for free credit reports. But you always have to signup for a month of service that will continue in perpetuity unless you go to them and tell them to cancel. Is there a way you ... |
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 How can I get a debtor to stop calling? |
| My son recently had emergency surgery and the medical bills are absolutely enormous (in excess of $86000 AFTER insurance pay outs). The hospital has hounded me for several months now, and I have ... |
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 Why does Capital One offer this? |
Capital One sent me an offer for a pre-approved Preferred Plus Platinum MC with a credit line of up to $5000.
But I already have a MC with Capital One and had one for the past two years. <... |
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 I'm looking to get a credit card to help build up my credit. Which card should I get? |
I want one with no annual fee. A rewards program of some sort would be nice, but not a necessity. I already have a Capital One card that I use. What else is a good one?
Additional Details<... |
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 Is your credit score lowered when you cancel a credit card? |
| My daughter is in college and opened a low interest Citibank VISA for college students not realizing that the interest rate went up very high after 6 months. We are making more than minimum payments ... |
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 Has anyone used a payday loan company? |
| Are payday loan companies you find online reputable? If you have used one, had a good or bad experience, please let me know?... |
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Farrah Byrd | ????What is the fastest way to raise your credit score????? |
Im working on getting a new house for me and my family and i need a good credit score to buy the house so please help me PLEASE |
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Michael © not a Top Contributor
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Well you could try taking out short term loans and paying them back ahead of schedule, also credit cards, but you must use them on a regular basis and pay them off in full at the end of the month.
Also, make sure that your salary is paid directly into your bank account by your employer.
Under no circumstances pay bills late, especially utility bills. |
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Noone i
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1) pay your bills on time
2) pay more than the minimum
3) do not apply for credit cards prior to the home loan
4) check your credit rating regularly and dispute any errors |
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financegal27
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Don't close any open credit card accounts. Pay off as much debt as you have, the bank will want to see that you have available credit and that you aren't using it. If you have any collection accounts they should be your first priority, pay them off in full, and ask that they provide you with proof of this just in case it isn't immediately updated on your credit report. Eliminate as much outstanding debt as possible, the bank will look at your debt to income ratio, they want to see if you are overextended. Pay all your bills the minute they come in, and maintain a positive payment history. I was able to raise my credit score by 100 points in about a month by doing all those things, and I looked at my credit report and essentially disputed every bad item on it, while it wasn't necessarily because I didn't owe the debt, I was able to get several items removed as a result. |
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Dentist H since 2001
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pay off your credit cards.
pay off your loans. |
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AJ
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Find out why your score is low.
If it's low because of things like reporting errors, current collections, unpaid bills, taxes, etc., resolving these issues could be done relatively fast and it will result in a quick improvement to the score. Paying off credit accounts will also have a fast positive effect.
On the other hand, if it's because there is not enough history on file, of there are past deliquencies, only time will improve the score. |
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deb1975@sbcglobal.net
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PAY DOWN CREDIT CARD DEBT...then work on any outstanding loans...these 2 will help raise your FICO score very fast. Also check out website or books by SUZE ORMAN...she has the best advice out there for debt and buying a house, investing, etc. www.suzeorman.com |
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Hank
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Pay all your bills uptodate and don't open any new accounts |
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heybulldog
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You can get a home loan without a credit score. It's called manual underwriting. It's not a sub prime loan. It's the way home loans were givin' before all the credit score worship. You can get the lowest interest rates avalilable. |
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schroeder85306
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Assuming you have credit cards and other wise established credit, the following tip is for you.
Last year when I was trying to refinance my home, I increased my FICO by about 40 points (which is all I needed) by the following tip. First you will need a mortgage company that can do a rapid rescore (which will cost you a few bucks.) The reason is that credit card companies report on a schedule which is generally monthly, so if you don't rescore it then your results will be much smaller.
The easiest and fastest way to increase your score is by your credit card balances. Each credit card that has more than 30% balance vs limit on it has a significant negative impact on you FICO score. The next major impact is at 50%. So, if you can strategically pay down (but not neccessarially off) your credit cards, you can change your credit score by a hundred points. Some mortgage companies can tell you very specifically what you need to do to accomplish the desired result. |
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college ave.
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A good way to raise your credit score is to apply for a prepaid credit card. you put a couple hundred bucks on it every month. use a portion of the pre-paid balance every month and pay it off completely always maintaining a positive balance on the balance and thus establishing a credit history. thats assuming you have no credit rating or a less than favorable one. first find out exactly what your credit rating rating is. Go to the bank that you deal with establish a relationship with them ask them that very same question. They can lead you in the right direction. where im from a company called equifax is a credit rating info service that will tell an individual there credit standing simply by contacting them and its free. I assume there would be a similar service where you are. |
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James H
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Hello,
I am Jerry Wall By name, I am Private lender and a Consultant.
My Service is a Legit, Safe, Quick, Reliable & Guaranteed means of obtaining a loan. Are you interested in any of the following service:
Home Improvement
Car Loan
Business Laon
Student Loan
Bad Credit Score,
You can email me via jerry_wall1@yahoo.com for more details.
I anticipate your quick response. |
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