 My credit score is in the poor range like 500 or so. I owe about 1700 in debt. Im about to pay 500 of it now? |
| the remaining 1200 i will pay monthly hopefully have paid off by october. ( i got 500 back from an old employer ) How soon will my credit score be impacted. Its been a year since my last late pay. I ... |
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 I want a prepaid debit card for online purchases only. Where do I find one? |
| I do not want any credit checks, I don't want to give out my SSN or real name, I have no problems with giving out my address for shipping purposes, but I've been burnt and I will not use my ... |
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 I have bad debts for my credit card.? |
| I was in prison for 2 yrs.My credit card was about 25k, after my release it jump up to more then 50k. Altogether 5 banks. Can I still get a bank to settle all my previous debts. Because to pay one ... |
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 Credit card full payment before due time - how it will affect credit score? |
| is my credit score negatively affected (even if capital one doesn't report my credit limit)? i always pay in full and before due time.... |
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 How many credit cards you carry? |
| How many credits cards you carry? I like to have a VISA credit card since it's accepted to almost anywhere. I like to have an American Express too since I always buy at Costco in bundles and it ... |
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 As despised a credit card is, why do people like them so much? |
| itunes accounts needs them. paypal needs them. ebay needs them. and almost all of internet shopping vendors (read:scam websites) requires you to have a credit card account. but what i see, the ... |
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 How to stop collection calls ? |
| How to stop Collection(debt) calls at my work ? I don even know how did they got my work number ?... |
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 I was really stupid when i was 18 and got my self into debt. I'm now 25 and a little bit wiser but? |
| i now have a terrible credit rating. I would like to get a credit card just for emergancies (i'm now actually good with money!) Which credit card companys in the uk are good for people with a ... |
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 I have bad credit and someone told me I can erase my credit rating by getting a new Social Security number? |
| A friend said that since credit bureau use your Social Security number to report people that I could eliminate my bad credit by getting a new social security number. Is that true? Is that legal?... |
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 What is the best credit card to use?.? |
| I have good credit so far and I want to keep it that way.... |
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 Bad Credit & Credit Cards? |
| When I was in college I did not pay some debts that went to a collection agency and was not payed unitl 5 years after the fact. Now that I am trying to obtain a credit card everyone/agency/bank is ... |
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 Help! I want to repair my credit.? |
| My credit score is bad and I would like to buy a home. I got a credit report, should I start making payments on the companies that were on my credit report or do I have to call them up to make ... |
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 I Cant understand why so many of my friends have debt problems? |
| But yet they want to buy a new car every other year. They want to buy £90 pairs of shoes have 2 holidays a year etc etc. Then they wonder why there credit card is "Maxed out" Why do people ... |
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 How do you get a car loan if you have no credit, but bad credit? |
One of the things car dealers look for is established credit, if you do not have it they offer the first time buyers package.
Only I don't qualify because even though I have no credit,... |
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| What are some ways (that won't cost money) to moderately improve your credit score? |
Additional Details
I heard you can improve your credit by selecting the 'credit option' versus the 'debit option' when using your bank card. Is this true?... |
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Sunshine | Where can I get a good credit card (no large fees) if I have NO CREDIT? |
I have a card with my name under my mothers account, (she pays the bill) so I was told that it doesnt count as anything. She has very good credit, and so will I, although how do i prove it? Its time for me to get my own credit card, although I have no credit (no good or bad credit) so who would accept me? |
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saint
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Just get any credit card, doesn't matter what the interest rate or anything is. Just make sure you pay it off every month then the interest won't matter and it will help your credit rating. Make sure the card doesn't have an annual fee either. Then eventually you will be offered better credit cards. I currently have 7 credit cards because i opened four credit cards when i was 17 then went from there and now i have better credit cards with rewards.
Do not listen to the people that are telling you to get debit cards, if you want a credit rating you need to have available credit which doesn't apply to a debit card.
Also, getting a credit card from certain stores such as Victoria's secret don't necesarily work as a real credit card, they are only limited to that store.
Citi card would be a good card to start out with, you just have to be responsible with it, if you want a good credit rating you can't abuse it. |
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thewanderer862004
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get a checking account from washington mutual. All they need is 1 dollar and you get a debit card which is better because you only spend money that you have. |
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James H
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All the info here. |
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fchaldo
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i need points so can you give me best answer, thanks |
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sweetundina
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Are you a student? You can start out with a credit card from any department store or stores like Victoria's secret (But you need a checking account to open a CC). Also if you are a student you could open a credit card with CitiCards. They are not very strict about credit history, because they expect that students do not have any. But be careful about running the ballance, the rate is high! If you want to build credit, pay off everything in full1 |
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daddyslilgirl136
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pay as you go credit card meaning you put money down you can spend but if you have no money lefe you cant spend it |
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Plutosangel
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please dont get into the credit card rut!!! oh my godness ull spend half ur energy paying ur bills-- i suggest save some money and get a debit card instead.. |
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Rose F
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Ihave recently been in a similar situation(no credit score) I tried capital one, vanquis and barclays, who all accepted me. |
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credit repair
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if your an authorized user it means nothing if your a co-applicant it has been reported to you reports.
check your report to know free here https://www.annualcreditreport.com/cra/index.jsp
if you still feel you have no credit you will need a secured card or a home depot or department store type account. jewelry stores (cresent zales and such are great for building credit and easy to get)
chareg a little pay 1 payment then next month pay it off wait a month do again and the you have some credit history. DONT GO IN DEBT!!!! DONT CHARGE MORE THAN YOU HAVE IN CASH!! |
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David H
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As someone said, interest rates on your first card doesn't matter. Plan to pay the balance off each month. Also, some credit cards offer program fees at lower interest and higher interest cards with no fees. I prefer the latter so they don't get a dime. In six months the offers will start pouring in. Soon will get offers below 12 % with no fees.
It is important to establish credit since the world is credit-driven. Debit cards, as someone mentioned will do squat to build your credit.
HBCS has been a good company to work with.
First Premier Bank is ugly. Aspire is legal robbery.
Capital One is OK but never be late, I closed my Capital One after only 6 months. I was never late except they sent my first statement to address I've never heard of. I had to be firm with them about a late fee, I was one day late due receiving a statement two days before it was due. They took the late fee off, after a lengthy discussion. |
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daniel b
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use your saving account as collateral, & get a card thru you
bank or credit union. |
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