 Whats the best way to build our credit without getting into a lot of debt? |
| We are young newly weds and niether of us have anything (good or bad) on our credit report. We were able (luckily) to be able to sign a lease for our apartment without a cosigner. I make the payments ... |
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 Why do we give sympathy to those with credit card debt? |
| No, I'm not referring to those whose identity has been stolen. I mean those that have, from their own irresponsibility, have bought so much stuff that they are now in mountains to debt. Why ... |
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 How do credit cards get away with outlandish interest rates? 30%??? |
| I thought there was a law that prevented them from going higher than a certain number. I used to see the highest rate being 21% but now it seems to be up to and over 30%! This is why I don't ... |
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 Does it hurt to Apply for Credit Cards if you have no Credit History? |
| hi, i just turned 18, never had any credit cards, never paid any bills, and i applied online for my bank of america student card, however, i was denied even though i met the qualifications, so i ... |
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 Any doubt counsellors or solicitors with debt experience out there? |
my friend (yes,really, not me (grin)) has arranged
regular payments wh all his creditors which he makes on time - one of them in particular keeps threatening him with legal action or debt ... |
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 Does anyone know where i can get my credit report? |
| i want to get my credit report so that i will know what i owe so i can buy a house for myself and my son for a better life but i actually want to get the report without having to apply for credit ... |
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 Is this a bad way of building credit? |
| I am 18 and I have a $23,000 auto loan that my parents co-signed for me. I also have a credit card. Both payments I pay in full and on time each month. Does this look good as far as building credit ... |
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 Credit Cards? |
| The other day i got my credit card bill in throught the post. I always pay the full amount the i have borrowed. Last month i payed it off on line, but never payed the entire balance by £0.12. M... |
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| What's a credit union? |
| I've been reading the answers on this page and credit union keeps popping up as a source of help, could anyone explain what they do and where they are please.... |
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 I have recently applyed for a cedit card from cgs i had to pay $50 so why havent i been acceped? |
| they said my details have been passed onto virgin i have just been on there and been refused why and what was the payment for if im not gonna get a bluddy ... |
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 I have a credit card qeustion? |
| i have thought about getting 1 of those credit cards seen on tv,the 1 u buy at the grocery store where u can put the amount of money u want on it,wat is those kinds of credit cards called,plz ... |
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 Fixing my credit? |
| how can i find out exactly how much i owe and where to? trying to work on paying off all my old bills. thanks...-... |
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Nathan B | Who can really help with cleaning up your credit? |
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ProfessorC
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A non-profit called Consumer Credit Counseling- been around for AGES. |
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Cally2001
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Only you can unless there are erroneous statements on your credit report. Then you should get it from experian and speak to them to get stuff removed |
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javelinco
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You can. The best person to clean up your credit is you. Keep an eye on your credit report, and check to see if there is any false information. If there is false information, first attempt to have it removed by those reporting the false information. If that does not succeed, then report it to the credit agency. Next, even when you do have bad credit reports, you can sometimes make a deal with the reporter. Call them and ask what you can do - it doesn't hurt (generally) to ask. Finally - pay your bills and make sure there are no further bad reports made against your credit. Use your current credit well, and show that you've "changed your ways," even if that means you need to get a secured credit card in order to qualify for an unsecured one. After some time has passed, your new behavior will be reflected in your credit report, which will help, and your old, bad behavior will expire and be dropped from the report. Sometimes you need to contact the credit agency to have old behavior removed - check with them on time limitations for reporting. |
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Dont_taze_me_bro
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No one. Regardless of what you hear, believe, or speculate based on signs on phone poles, the side of the road, or ads in the paper.
Your credit history is based on factual info, not opinion, not clairvoyant people sitting in a room.
If I loan you $1000 and you agree to pay it back over 12 months at 12% interest, then that's the facts. You pay on time or you don't. Some don't pay at all.
If your girlfriends cat's kitten has a ceasure and you have to pay to have it's head removed and can't send me the monthly payment, it's reported as late. You were late. Period. No one really cares about the kitten.
So don't buy credit repair or credit repair scams. Pay your debts. |
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dvheyden
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You can do everything the credit repair agencies do. First thing you do is pull a 3 credit burea report on yourself. Then look at the derogatory items that are on there. I dont know what state your in but you must first find out what your rights are. In my state if there has been no activity on a delinquent or closed account for 7 yrs the credit bureaus must remove it from your profile. If there is one there dispute it online with all three bureaus. Stating its past its statute of limitations. If you see one you dont recognize dispute. Demand the creditor provide you with proof of the credit granting. Them simply saying its valid IS NOT VALID. Collection agencies will tell you every lie in the book in order to send them money. Activity on an account simply means the last time they received money. So if you are disputing or doubting the debt dont send any money what so ever, especially if its an old debt, because once they receive money they can start reporting it again. If the debt is valid you can contact those grantors and ask for reduction. Sometimes they may offer it to you becuase they original grantor has written it off. The collection agency purchased the debt for pennies on the dollar, and if you pay they original amount they just made a killing off of you. I hope this helps good luck, make sure you read up on your rights for you state and stay informed. |
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xLoubieLoux
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Yourself
if you are in debt, find a way to pay it off
make payments on time
dont have too many things on credit
Your in charge of your own finances... |
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Nichola
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Only you can!! Good luck |
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outlawimmortal2
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Save your money and do it yourself. Start by disputing things on your credit. You may get lucky and the creditor may not respond and it will automatically get deleted. Just call your creditors and workout a pay for delete. |
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srbyn1
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You're the best one that can. |
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dhallkb
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Try this site www.creditbureauexperts.com It depends on your situation, but basically what they do (for a reasonable fee) is dispute items on your credit report. They are most successful if the items are more than two years old. |
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crazy gal
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don't understand.... what do you mean? |
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Runner Chick
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dave ramsey |
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