 How do I find my credit score for free? |
| In other words which companies offer free annual or semi-annual ... |
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 Online debit card? |
I'm only 17 but I desperately need an online debit card. It needs to be able to give or receive cash, and of course start with $0 (because it's not a credit card).
I have to ... |
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 What credit card is better?? |
| I want to open up a gas card pretty soon, so I'm looking around. I live in Northern CA, and there are many Valeros, Shells,and BP stations like AMPM around. Would I be better off applying for a S... |
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 If I want to consolodate all my bills by refinancing my house? |
| I would like to refinance my house and consolodate all my credit card debt into it......does that require getting my house appraised????... |
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 A collection agency is offering 40 cents on the dollar, but says the offer's only good for a day. Is it? |
| A collection agency contacted my mom two days ago for a delinquent account. The person she is speaking to is offering a 40 cent on the dollar cash payout on a $13,000 balance, but says that the ... |
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 Pin number reversal? |
| PIN NUMBER REVERSAL "If you should ever be forced by a robber to withdraw money from an ATM machine, you can notify the police by entering your Pin # in reverse. For example if your pin number ... |
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 Is it me or is HSBC have the worst Customer Service ever? |
| They have the worst Collectors and customer service reps ever. They constantly try over-talk you will call you a liar to your face. After today I will start recoeding my conversations with them. T... |
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 Auto loan with a FICO score of 750? |
Is it likely or unlikely for me to get approved for an auto loan?
What do you think the APR would most likely be for a 750 fico score?
I have no negative or derogatory on my ... |
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 Will it hurt my credit if I pay my mortgage one day late.? |
| I waiting for my paycheck to clear. And my mortage is with the same bank that I have my checking account with.... |
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 Why are people so judgmental when it comes to credit? |
| I see a lot of people on here who answer questions about credit that put others down who are seeking help b/c of poor decisions. They rub it into the person's face that they have flawless credit ... |
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 Worth closing credit card? |
| I have one payment left on a high interest credit card and then it'll be payed off. I also pay a $50 annual fee with or without money owed (got the card when I was younger with no credit to my ... |
|
 Has anyone ever used a credit monitoring or credit alert service? |
| I am thinking about signing up for a credit alert service through one of the 3 credit agencies. They all offer som many different options but I would like to no how well they work.... |
|
 If I filed for Bankruptcy can i get a home loan? |
| I filed for bankruptcy last Oct 05 husband did not and we want to purchase a house and land that is going up for Sheriff's Auction. Will we be able to get a loan? And where should we go to get ... |
|
 Ebay???????? |
| When u buy something on ebay can u cancel ur order????? after u already buy it and used a bank or credit card? and ... |
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 I wonder if having 100K in available balance when you apply for a mortgage would hurt your chances? |
Lets say you make 50K a year and have 100K in available credit.
Wouldn't that hurt your chances for a loan, or will it improve them?
Wouldnt the leder be afraid, you'd "go ... |
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Jaime R | What kind of credit card can you get if your name in collections? |
|
 |
 
Matt
 |
Do not pay attention to the harsh answers that you received. No one knows what caused your collections or what your situation may or may not have been.
There are alot of cards that will approve you, but there are very few that you actually want.
Avoid First Premier, Tribute, Rewards 660, Imagine, Total, and Continental Finance. These are all high fee / low limit credit cards that amount to nothing more than a scam.
Avoid secured credit cards. Most will report your status a secured and this does nothing to help rebuild your credit.
Avoid Capital One. They do not report your credit limit and that damages your credit score. Example, they give you a $500 limit and you use $250, they will report your limit as $250. This will damage your credit score because instead of using 50% of your credit limit, it looks like you are using 100% of your credit limit.
So far the best card I have found for building/rebuilding credit is Orchard Bank. They have a low interest rate (14.90, good for a sub prime card), low annual fee, no hidden fees and if you manage your account properly, they give excellent credit limit increases. You can get more info on Orchard Bank at http://www.creditcardindex.org/orchardbank.html |
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The Weasel
 |
maybe you should get your name out of collections instead of digging more debt. not the brightest one, are we? |
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CassandraM
|
One that will charge you too high an APR, and too many hidden fees.
Don't dig a deeper hole than the one you've already backed yourself into. Contact a credit counseling service (check your yellow pages or look one up on-line). Pay off your existing debts - clear your name and your conscience - and learn to live within your means, even it means doing without something you want for awhile.
Been there, done that, learned up close and personal that you'll be a whole lot happier being debt free, than being free to get deeper into debt.
Best wishes - |
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LittleSpitfire
 |
why would you want more debt when your name is already in collections? I would suggest paying off what you have, and forget about the credit cards, they are nothing but bullshit anyway. |
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nfogey_1981
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If you are being hounded by collections, you probably don't need another card. Consider debt counseling instead. |
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$m¤¤v¥ £¤¢¤
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Secured cards |
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kevbeer2003
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haha...classic |
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regerugged
|
Apply for a pre-paid credit card. You have to pay in advance and can only spend what you paid in. |
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Joe
 |
What you want to do is free your name from their databases there are several legal ways to do this, the most effective is to ask them to validate your debt. go to www.adviceontime.com go get the full scoope on how to remove your name. then you can get any credit card you want. |
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