 Can someone suggest a good credit card? |
| I am looking at paypal or citizensbank credit card. I'm 20 and this will be my first credit card so please suggest a good ... |
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 Should I go for a student credit card or a regular credit card? |
| I am a college student trying to build my credit history. While shopping for credit cards, I notice that banks offer student credit cards for college students. Should I go with the student cards or ... |
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 Debit card using "credit" option? |
I know that when buying stuff at the counter i can use the credit option, then the merchant will place a hold on my fund.
then few days later they will officially deduct the amount.
... |
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 My credit report is 782. Is this good? |
| The site that provided me with the score says that it is equivalent to a "C grade." I am 22, own my own home, and usually pay my bills on time. Is 782 a good score? Considering my age? T... |
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 Credit cards? |
| My husband has a credit score of 525 and we are trying to improve his score. We are paying off all the debt that is on his credit with our tax return and we are looking for a good credit card for ... |
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 Can you pay for something at the store with all the credit card information but no credit card? |
My dad lives in a different state and is going to pay for my prom dress, so he gave me all his credit card information.
I could of course use it to buy a dress online, but that would be ... |
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 Debt collectors? |
| I have got a statement from a debt that is at least 9 years old , I had to quit work because of a disability and now I draw disability ,I have been told I should seek a attorney to see what to do ,... |
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 Credit scores? |
| whats the best way to raise my credit score? and also how does it work? does it matter if i paid off my vehicle and paid off my credit cards??? need some answers!!... |
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 HELP ME PLEASE!!! (dont ignore this question!!!)? |
| ok, i bought an iTunes card, my payment method is none, i entered my code, it worked it says 20$ on the top, everytime i try to buy something, it says please edit your payment info, i dont have a ... |
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 What should I do if a collection agency won't accept my payments? |
| Okay, so my husband has a debt with a collection agency. We want to pay off the debt and when I called I told them we could pay $100 a month. They said that they would not accept this because it ... |
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 I have $11,000 dollars in credit card debt spread over 4 different credit cards.? |
| I have moved to Hong Kong where I will be for at least 5 years. My company pays for my apartment and I will never need a car so credit isn't important to me. I was planning on waiting for my end ... |
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 Is it even worth it to continue paying your credit cards on time if you're in my situation? HELP! |
| Ok, so I have posted several questions in regards to my credit card debt and am still very unsure of what direction to take...I have about $30,000 in CC debt with two companies..Citi & Chase...... |
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| I'm a college student and i want to get a credit card to establish credit. Which one do you suggest i get? |
| Should i get one for college students or just a regular one, if they give it to me. i heard capital one will give them to pratically anyone! and like what apr is toooo HIGH?... |
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 Credit Reports and Scores?? |
| Does anyone know what website is the best to get your FREE credit score and report other than free credit report.com because they are a big scam. I need to check my credit in a bad way, but not have ... |
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 Filed Ch 7 Bankruptcy- How long till I can buy a house a a decent interest rate? |
| My Ch 7 Bankruptcy was discharged in late November 07. how long till my credit is decent enough to purchase a house at a decent interest rate? assuming all bills are paid on time from here on out...??... |
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Shannon A | Which is worse for your credit? Continuously missing payments, or filing bankruptcy? |
I keep getting letters in the mail from creditors about my deliquent accounts, and am wondering if I should file bankruptcy or not. |
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Jenny S
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it doesn't matter. No one will ever lend you more money either way. I think both ways should make your credit horrible. It'll take YEARS for you to rebuild without missing a single payment for rest of your life.
Technically speaking, filling for bankruptcy will have bigger impact on your credit score. But like I said, either way your score is going to be horrible.
I would suggest taking an action that is the quickest and start rebuilding your credit properly. |
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Kendotone
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who needs credit anyway?? Just buy what you can afford.
Credit = The Devil
Contracts = The Devil also |
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cup cake
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Both or very bad. But if you can write and ask for them to change or dates of payment or a forbearance on a student loan or deferment. Go get an extra job any where!! Try really hard before bankruptcy!!! |
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Koki M
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Bankruptcy is the last resort. If possible to pay credit cards late and it should be also possible to negotiate a better deal. You would be surprised to find out that after a few calls you ahve reduced your biils |
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creditcardquestions
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Bankruptcy by far is much worse than missing payments.
Why are you missing payments? Out of work, or spending more than you make, leading to not being able to pay your bills? |
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Kathryn M
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It is unarguably worse for your credit to file bankruptcy. If you are behind on payments it will affect your credit, but you always have the opportunity to start paying back what you owe. It's not a wipe out.
If I were you, I would arrange to make payments on the balance that you are delinquent on. That way you'll repair your credit without ruining all chances you have at a good financial future. |
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golferwhoworks
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only you know the answer to that --- every time you go 30 days down on any payment it hurts youe credit |
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Anjell
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Well from the first 30 day delinquency you're credit has been steadily coasting downhill. It really depends on how long you've been in collections. If it's fairly new I'd suggest paying up and getting your accounts current. If they're older > 2 yrs I still suggest you pay them (get a pay for delete letter from creditors in writing). Only declare bankruptcy if you have absolutely no means of paying your debts. This will stay on your credit report for a minimum of 10 years. |
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Ed Atun
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Losing your house to foreclosure is the "worst" thing on a credit report.
2nd is bankruptcy.
3rd is not paying your bills (continually missing payments). |
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