 Why do people always throe away pennies? |
| Why do people always throe away pennies?... |
|
 Should I pay off my car loan early? |
| I have a $20K car loan and am considering paying it off early. I have been making payments for the past 10 months, never late, and already have an great credit score (791), but I want an excellent ... |
|
 Opening new credit card bad for credit (want to by a house)? |
| I am looking into buying a condo in the next 3-6 months. I have two credit cards open currently (both with 0 balance- one 3 years old and one 2 years old) and wanted to open a travel rewards card ... |
|
 What's the best way to start building credit? |
| I am 20 years old and keep getting rejected for credit cards. The only way to get credit is to start somewhere...so where do I start??... |
|
 How does a credit card work ?? |
I want to get a credit card but im 16 (for ebay) . I want to know how does it work do you get charged a certain amount each month or do you get charged only when you buy something ...?
Do ... |
|
 How do I establish credit? |
| I need to establish some good credit in order to get a loan for school. What do i do to get good credit to get approved for the loan?... |
|
 Has anyone ever gotten an unsecured personal loan from speedybadcreditloans.com? |
| I've researched them on the internet and nothing bad comes up. In fact, a lot of websites say that sites like this require a fee (this one does) because they are acting as a middle man between ... |
|
 How do i improve my credit score without doing the obvious (paying on time)? |
| there are two collections and a judgment on my report but they all show as paid.... |
|
 My car got repo'd and auctioned!? |
| whats the best way to explain to my mother that i got my car repo'd when she's the cosigner? is there any possible good lie out there.. me and her don't keep in touch or talk much.. ... |
|
 What to do if you have a summlons to come to court.? |
| i have a summons to come to cort because i have credit card debt.... |
|
 1st Credit Card? |
| I am about to get my 1st credit card. Any suggestions having good credit?... |
|
 I took out a $5,000 unsecured loan and only needed $2,000 of it..? |
| can you pay these off early.. i would like to make a 3,000 dollar payment as my first.. is this cool.. if so will the interest be charged on the whole thing regardless.. thx for your ... |
|
 Debt Collection Unfair need advice Badly!!!!? |
| i have had an account past due with citizens bank for 3 years i was put away for awhile and was unable to pay it. i owed 538 dollars. well 5 months ago i have been receiving calls from NCO about ... |
|
| I have terrible credit from a reposesion when I was 20 years old, I'm 24 now, I need to buy a house for my |
| family, my finace has ok credit mine is just terrible. I only owe 4 thousand but can't afford to pay it back. Whats the best way to rebuild my credit I feel like I'm holding my fiance back. ... |
|
|  |
dladiesgentleman | What is the quickest way to raise your credit score? |
|
 |
 
BosCFA
 |
Pay off your debts. |
|
sbbtkc
 |
Pay off your debts or at least get them so you only owe 50% of your credit line. If you do pay off cards, do NOT close the accounts, that actually lowers your score. |
|
YoungChief
 |
if you have credit cards pay them down to 50% or more of the credit limit whey you get them paid off use one credit card buy a tank of gas then pay the card off in full once a month every month. |
|
jooker
|
Change your name to Bill Gates.... |
|
krohnjack
|
Building a good credit score is a long term process. As they say a journey of a thousand miles starts with the first step. Beware of quick fixes. There are none except for the quick fix of getting into your wallet by way of a scam and there are some out there. Here are three sure fire ways to boost your credit score.
The biggest component of the FICO score is the percentage of available credit you are using. The traditional way of course is to pay down your accounts to improve the percentage. The higher the percentage the lower the score.
There is another way.
1. ASK FOR CREDIT INCREASES. This achieves the same result-decreasing the percentage of credit used. Just be careful not to use the new found "wealth". That is like shooting yourself in the foot. Be careful not to ask for too much of an increase.
2. PAY OFF YOUR BILLS. Pay them off not when they are due but before they are due. Find the statement date (usually 20 or so days before the due date) and pay it off a day or so early. That brings your account balance to $0 thus increasing the percentage of available credit. If you pay the bill on the due date it will not have the same effect.
3. DON'T TOSS THOSE OLD CARDS. I found out about this one the hard way. If you are not using an old card for any reason do not throw it away. Take advantage of it and charge small amounts occasionally. This results in an active vs. and inactive status for that account. Active accounts are factored into the FICO scoring system-inactive accounts are not.
Good luck-hope that helps!!
http://www.m-o-r-t-g-a-g-e-r-a-t-e.com has some more resources. |
|
$m¤¤v¥ £¤¢¤
|
The fastest way to establish a credit history can be to "borrow" another's record, either by being added to a credit card as an "authorized" or joint user or by getting someone to co-sign a loan for you.
Having a co-signer can allow you to qualify for loans you might not otherwise get. The loan will show up on your credit report and, if you pay it off responsibly, will help boost your credit score.
If you default, however, you won't be the only one who suffers. The co-signer has basically promised to make good on this account, so any delinquencies will show up on her credit report as well.
Being added as an "authorized user" has its risks, for you as well as the person giving you access to the card.
If your father makes you an authorized user of his credit card, for example, his history with that account can be imported to your credit bureau file, giving you an instant credit record. If he has handled the account well, that reflects well on you. But if he hasn't, his mistakes would also become yours. Any late payments or other problems could make it harder for you to get future credit than if you'd established your history without help.
Even if you trust the person adding you to the card, you may not be able to piggyback on his or her credit. Some credit issuers won't report authorized users to the credit bureaus, particularly if the user is not married to the original card holder. If the point is to give you a credit history, the person who's adding you as an authorized user should call the issuer and ask how (or if) your status as a user will be reported. |
|
buck s
 |
increase your credit score , so you can go deeper in debt ?
thats kinda stupid , how about paying cash , and saving for what you want , yes even a car , the only thing i would ever buy using credit is my home PERIOD
you should check this site out
http://www.daveramsey.com |
|
SPIFIMAN1
|
The quickest way is to find a relative with very good credit and have them name you as a authorized user on the credit card that they have had the longest and paid as agreed.
Once they do this, the history of the account appears on your credit and your score jumps like wildfire. |
|
amanda w
|
im sorry i cant help you with this one because i dont have one yet. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
10 | 22 minutes(s) ago
| | | |
9 | 33 minutes(s) ago
| | | |
9 | 2 hour(s) ago
| | | |
9 | 3 hour(s) ago
| | | |
9 | 5 hour(s) ago
| | | |
9 | 9 hour(s) ago
| | | |
7 | 11 hour(s) ago
| | | |
9 | 1 day(s) ago
| | | |
9 | 4 day(s) ago
| | | |
9 | 2 week(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
