 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 ... |
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 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?... |
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 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 ... |
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 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.... |
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 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.. ... |
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 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.... |
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 1st Credit Card? |
| I am about to get my 1st credit card. Any suggestions having good credit?... |
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 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 ... |
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 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 ... |
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 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. ... |
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 Is it a good idea to close credit cards that I don't use at all? |
| Here is my situation. I have $7500 I owe on a 0% credit card that expires in March 08. I want to transfer that balance to a different 0% credit card in February to avoid finance charges. Also have ... |
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 No Credit auto financing? |
Ok, I'm 19 years old, live with my family, have an active checking and savings account. I work as a General Manager at LP Cleaning Service and make $3,500.00 per month before taxes.
H... |
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 22 years old and credit card company is taking me to court? |
| I was offered several credit cards when I graduated high school and started college at the age of 18. This card in particular offered a $4,000 credit line. I had no job and no savings, so I ended up ... |
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 Do you think a credit card is a friend or foe? |
I have two credit cards. do you think its an advantage or disadvantage for my lifestyle?
I'm working in a call center and I'm already regularized. I have a stable job already.... |
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 Hi, I have a really poor credit score along the lines of 530? |
I am currently paying off my debt, I would like to know if there is a faster way (along with paying my debt) of improving my credit score? I can't get approved for anything!
Additional D... |
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 How can I reset my credit?? |
Hi!!!
I've read in the past about companys who can reset your credit rating' however I am sure some of these are scams. I am 26 and am unable to obtain any sort of credit due to ... |
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jmedow | Which will be the better way to raise my credit score? |
I have one positive thing and one negative thing on my credit. The positive thing is a car loan that is in good standing. The negative is a hospital bill for $400.00 that is still owed and is closed. My score is 598 and I have never had a credit card or anything else on my credit those are the only two things. Would it help my score more to pay off the medical bill or get a credit card and just put gas and pay it off at the end of each month? |
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Millionster.com
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Paying off your medical bill won't help boost your score since even if you pay it, it will still be on your credit report for 7 years. Some of the things you'll want to do is follow the steps I have listed here and make sure you get the free credit report monitoring on the article listed below to track your progress.
Here are my 10 steps you can use to build your credit score quickly. I raised mine to well over 700 points fro 500 using these steps in less than a year -- :
# Know and Track Your Credit Score (be sure to sign up for the free trial of your credit score monitoring listed on the article below. It really helped my get my score up.)
# Never Miss a Payment, Starting Today
# Never use more than 20% of your Available Credit
# Keep Credit Cards that Have No Annual Fees Open For as Long as Possible
# Extend Your Credit Limit on Cards You Already Have before You Get New Ones
# Get Credit Cards that Have CashBack Rewards to Contribute to your Balance
# Transfer Your Balance to a Credit Card with a Lower Interest Rate and a Higher Available Credit-
# If You Think You Are Going to be FORCED to Pay a Bill Late Ask for an Extension or Payment Plan
# Take out a Small Personal Loan and Repay it Over a Year
# Ask Someone With Good Credit if They will Account Shadow you
Read the full article here, it gives you an overview of credit scores, and the 10 steps in detail on page 2 .. Good luck!
http://millionster.com/articles/debt/increase-fico-credit-score/
If you have any more questions just post a comment on my blog above. |
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Pravda
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Yes, paying off that medical bill will help increase your score. Plus, getting a gas card and making timely payments will also increase your score. On my Yahoo answers page you can visit my credit repair link.
Best of luck to you and your family |
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Tommy W
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There is no way to erase bad credit from your credit report, but you can improve it. Follow these simple guidelines to help restore and improve your credit score.
First, make sure all the information on your credit report is accurate.
Second, try to pay off all or any accounts that are currently in collections or make payment arrangements with the creditor to pay off the balance monthly.
Third, any credit card that is over 50% of the available credit line should be paid down to under half of your total credit line. Your credit score is lowered when your available balance is over 50% of your total credit line.
Finally, if you have bad or no credit and have no credit cards try to obtain two credit cards and make sure all of your monthly payments are made on time. This will help increase your credit score. If you cannot be approved for a unsecured credit card, obtain a secured credit card.
Repairing your credit and improving your credit score is a slow process that takes time. |
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beauty s
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yes good idea, pay off your debt and then get a credit card but be careful and make sure u pay it off on time.. |
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Marcie H
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Both but definetly pay off the medical bill it will stay on your record and only hurt you in the end. |
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Still reading
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Pay the bill. You'll only get a high interest credit card and may end up having to do a secure credit card. You owe the bill, pay it. |
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shaka r
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The best move is to clear the medical bill. The longer that remains in bad standing the worse it looks. After that I would recomend getting a low risk card. Something like a Miejer or Sams Club credit card. They may be out of your reach with that score, so if they are, try another one from a good company like Capitol One or Chase. They often help out people looking to build credit. Another tip is to not miss any payments. Even one missed payment can ruin years of hard work. Lastly, don't be afraid to get a cosigner on a new loan if you need one. This will get you the loan and help bring the credit up, albiet less then if you get it on your own. I got $1000 dollar christmas loans cosigned for two years, and then for two years on my own, as a personal loan. It really helped my credit each year. |
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