 Does anyone know where I can get a credit card with poor credit? |
| I just got out of bankruptcy and my credit needs rebuilt, but I cant seem to find anyone to give me an unsecured credit card.... |
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 My first credit card.? |
| I'm 18 and still in highschool but I've had a job for the past year. I applied for a credit card a couple days ago and got approved for a $500 line; my whole plan is to buy one thing a ... |
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 I am 19, and honestly am in credit card debt, my questions are below.? |
| Ok, I stupidly applied for two credit cards, which I should not have done. One is a Trump Visa, and the other is just a regular Visa both through Chase Card Services. Both of the cards are either ... |
|
 Why is my check on hold? |
| i am currently banking with wells fargo and i deposited a check from allstate insurance company for $6500.00 and they put a hold on it and gave me $100.00 of it... now i know that the check has ... |
|
 How long does it take to get negative items off your credit history? |
Do they just disappear after a certain number of years? I've heard that and never knew. I actually don't have any on my credit, thank God, but I'm just curious.
Thanks. =)... |
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 I have run into financial trouble this year, and collection agencies are threatening me.? |
| Do collection agencies normally file judgements and if so, are they mostly on larger balances, or do they just normally carry them as collection items? I have one or two credit cards that the ... |
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 How long after I pay off my debts will it take to improve my credit score? |
| I have about 12000 in debt that I will be paying off once I sell my house. I am probably about 5 months behind on payments. How long after they get their money will it take for my credit score to ... |
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 I overdrew on my checking account any suggestens? |
| I had overdraft protection but my bank took it away from me because of deluncancy, i thought I had it re-instated but tehy inturpreted me calling them for a new card as if I just wanted a debt card. I... |
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 I pick up a credit card? |
| I pick up a a Lowers credit card yestday (July,19 2006) and I do not who belongs to. sould i keep or give it back?... |
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 Are there any free paid survey sites for 13 yrs. old and up?? |
| are there any free paid survey sites for 13 yrs. old and up that don't use points but cash instead??and that are not scam??..and for free??... |
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 Should I file Bankruptcy or Not? |
| I have a total of $10,000-$13,000 unpaid, charged off, bad debt in total. This amount is for Bally's fitness, Phone bills, small credit cards, small medical bills, unpaid rent, department store ... |
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 Will it affect my credit score despite of paying over credit bill the next day? |
| I have seen my credit card bill today which went 3 pounds over my credit limit and i have paid some money instantly within 2 hrs of statement period , so will it be affecting my credit score?... |
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 How do i get my credit card company to cancel my debt? |
| i owe $16000 on my 4 credit cards all with chase and cant even make my minimum payment on any card. i lost my job and my wife is 2 months pregnant and i need help. i called a credit ... |
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 Is it possible to deposit a check that isnt yours? |
| I recently sent out a check to my credit card's bank. Its been about a week and I have yet to see an update on my online statement saying that they received it. For peace of mind, is it possible ... |
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 Cosmetic Surgery-NEED HELP PLEASE!!!!!? |
| So I tried to get financing through Capital One and was told no. Is there any other way to get the procedure done? If I was denied for this one, does that mean I can't get it done? Are there any ... |
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 When you marry someone with a poor credit history, can you avoid having your own credit ruined? |
| Our son is preparing to marry a girl who owes about $3500 for medical care. It's been on the books for more than a year, she hasn't been able to pay anything on it, and she has elected not ... |
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Nicky | Whats the best way to establish credit if you dot have any? |
i dont have any credit and im 19.is a credit card a way to establish credit and if so what credit card is good? HElp give me some options |
 |
 
Christina
|
Start with a bank loan. Use the loan proceeds and open a savings account. Then, use the money in the savings account to make the payment, or better yet use the money from your payroll checks. If you do, you will have the proceeds still in the bank after the loan is paid off.
You can try to apply for a credit card after your loan is paid. Chances are a CC company will give you a card, however, the rate will be much higher. |
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Brian G
 |
Any kind of loan with a major company will be a good start. Credit cards are usually the easiest to obtain when you don't already have credit. Make sure you read the agreement before you sign. For personal reasons, nothing to do with credit, you don't want a very high interest rate, and the lowest or no annual fee you can find that you qualify for. Charge a little bit every month, make sure you pay the bill on time, and you are on your way to a good credit history. |
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shining_pixy
 |
Yep, get a credit card and put small amounts of easy to pay amounts on it. Make sure you pay it on time too it will look bad it you don't...
Mind you I bought a cell phone and a car to establish my credit.. Hard to do... |
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fred6636
|
no one will give you credit BUT
you can get a visa thru ( I believe Orchard Bank-google it)
which gives you a credit line=to a savings account you set up
sort of as a deposit...afer a certain period you can either get your savings back, ditch the card or either or both and get ANY new one as you NOW have a credit history! Be sure to use the card and pay it properly every month! |
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kim_n_orlando
|
I would go to a jewelry store and make a small purchase, make sure you make your payments on time and your credit score will gradually grow. Good Luck & make sure you make small purchases where you are able to make the payments. |
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Luis C
|
PIGGYBACKING: Despite its' virtually
unlimited potential, piggybacking is
not used by nearly as many consumers as
it should be. It's easy, effective,
and extremely fast. Unfortunately,
it's mostly used among parents and
siblings while those who can really
benefit stay in the dark.
How it works. Almost every credit
card or credit account will allow the
primary account holder to add on (at a
later date) what's known as an
"Authorized User" or "Secondary Account
Holder". In most cases, when this is
done, the entire account history
(retroactively) gets posted to the
authorized users credit report
regardless of their current age or
credit history!
For example. If it's a credit card
with a $10,000 limit which has been
paid as agreed for the last 10 years,
then that complete history will be
posted to the authorized users' credit
report. I once saw a clients' credit
report who used this technique with his
mother. He was only 24 at the time and
he had a $15,000 Gold credit card on
his report with history going back 11
years! I laughed as I thought to
myself that this kid would have had to
be approved when he was 13 years old
for this account to be his!
As you can see, this strategy is
usually only used by parents and their
children and in most cases with no
regard to the benefits the children are
reaping credit wise! In fact, in
recent years, due to its'
effectiveness, this technique has led
individuals with excellent credit
scores to "rent out" authorized user
accounts on one or even multiple credit
cards in return for a fee! I once
recall seeing an ad in USA TODAY for
just such an opportunity. Like most
good credit loopholes, I'm sure this
methods' days are numbered much like
what may be the case with...
For more information on the CREDIT
SECRETS BIBLE you may visit:
http://gaby1221.niesong.hop.clickbank.net |
|
BillK
 |
In order to establish a good credit, you must show a number of stabilizing attributes. Most notably, your report must prove to the lender that he will get his money back. Here are some suggestions:
OPEN A BANK ACCOUNT
Open a bank account and use it responsibly. This is the first step in establishing a financial history.
CO-SIGN
One way is to piggy-back onto someone who already has a good credit history established and is willing to co-sign. Once the co-signing has occurred, you simply make payments on or before the due date. In time you will have established a credit history.
SECURED CREDIT CARD
Apply for a credit card. Shop around and only apply for a card if you can meet the lender's requirements. Responsible use (spending within your budget and paying your bill on time) will help you build a good credit history.
DEPARTMENT AND GASOLINE CREDIT CARDS
Since gasoline credit cards are not revolving (cannot carry a balance forward month-to-month), often they are easier to obtain than regular credit cards. Similarly, some department stores offer revolving credit for a specific purchase and this is sometimes easier to establish. It is also a great way to establish credit.
This website can be very useful for you:
http://www.howtoestablishgoodcredit.com |
|
Alex K
 |
Here's an article that will help you: |
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Debt Free!
 |
any store credit card will be glad to extend credit to you, use it wisely |
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BlackRose
|
A credit card is a good way but u don't have 2 use it a lot. |
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