 How can I have a good credit score? |
How many credit cards are recommended to have open?
How often should I use them?
What can I do to increase my points?
Can you give me some tips on how to maintain a good credit?
<... |
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 When I apply for credit cards, do I use my old address or my current one? |
I didn't know which one to use or will they send it to my old address
Additional Details
I don't want them sending it to my old address because my ex lives ... |
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 What happens when you get rejected by a credit card company? |
| I heard it makes it makes your credit bad. i dont have any credit and have been trying to get a credit card and i got rejected a couple of times does that make my credit look worse?... |
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 Best place to get a home loan with bad credit? |
| I am looking for a return on rent. I pay over $1000 for a place to live anyways, but do have a few problems with my credit. Where is a good place to try for a loan, I don't want my credit ... |
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 Please help and i mean PLEASE? |
| I built a website on CityMax.com and I am not sure how to quit?? I need to quit because it said it was free until I signed up and now I am screwed!!!!!!!!!????????????????????????...... |
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 What is APR? |
Do I have to pay the percentage fee of APR for a credit card annually if and only if I pass the credit line limit? late payments? and some other mistakes I make?
OR
Do I have to pay the AP... |
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 Debt Gone for good.... is this for real? |
Has anybody ever dealt with this website: http://www.debtgoneforgo
If you have, how was your experience with them?
The reason I ask is because my friend got an ... |
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 Any debt experts out there?!?!? |
| I have had a judgement entered against me for an unpaid debt which has left me unable to get a bank account or any type of credit. This debt has now been paid off and cleared but how long will it ... |
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 A Debt Question for anyone that can help...I received a letter from a Debt Collection agency today.? |
This was totally out of the blue but they claimed that they sent a letter to me a few weeks ago in regards to the matter..A letter i never received.
I rang them to find out what was going on,and ... |
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 After a credit card is charged off and sent to a collection agency, can you still settle with the CC company? |
| I want to deal with the credit card company (original debtor) and not the collection agency. Can I still do that, or has the credit card company already relinquished its rights to the debt?... |
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 Cant get a loan ???? |
| cant get a loan because i have no credit history anyone got any ideas ??? im 19 so any help would be ... |
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 Where can I get loan with poor credit a score of 512? |
| personal loans with few charge offs bankrupcty really need ... |
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| Bank of America...scam? |
| My boyfriend got a letter stating that some changes were being made to his account (it gave him the last four digits of the account). Thing is he has never banked with them before. Is this a scam or ... |
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| Cancelling credit cards..does it affect your credit rating? |
| i have 4 credit cards (too many i know!) - but have managed to pay them all off after a spot of luck. now...i want to cancel 3 of them (keep 1 for emergencies) ....if i do this..will it affect my ... |
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 Will adding myself to my mom's high credit limit card hurt or help my credit? |
| I was recently added as a joint cardholder under my mom's $17,000 limit card and transferred $4,000 of my debt to it. However I have not sent back the form adding the new credit card to my ... |
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 Credit Card limit was raised, by the creditor how does that affect my credit score? |
| I have an Old Navy card that use to have a limit of $400, they raised it to $750 does that have a negative impact on my credit and my credit score or does it look good? Also what affect will it have ... |
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 Why do some people have bad credit? |
I know some people who have decent jobs, and good incomes, but always live beyond their means and have terrible credit. Why? Is it insecurity? Irresponsibility? Just a mental defect?
I&... |
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 Why do debt collectors call your house, yelling @ you & threatening you? |
| Why can't they be polite about it? & the person who's calling acts like as if you owe him/her money PERSONALLY. I understand I owe the COMPANY. I'm disabled, unemployed, & ... |
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ER Vet Tech | Why do they bother? :-(? |
My credit got very bad a couple of years ago after I went >$10K in CC debt. I have been busting my can to fix it, and it's better but not perfect. (My credit scores are between 603-650, depending on the company {Experian, Transunion, etc}).
I got an offer from American Express ONE the other day and applied online. I got denied.
My credit is obviously good enough to get through their pre-approval stuff, or else they wouldn't have sent the invite anyway.
But why do they bother if they are just going to decline you anyway? Jeesh.
Additional Details
I have paid off all of my previous debt (1-2 years ago) and now have one MasterCard that I use and pay off monthly. I applied for the AMEX simply because it had a lower interest rate. |
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P S
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I think you give credit card companies more "credit" than they deserve. They don't care who they send offers to. They don't "pre-approve" you. They just tell you that to flatter you. They send out hundreds of thousands of "pre-approval" offers, hoping someone will be the kind of spender that lets them charge their exorbitant interest rates. They are predators.
You are doing the right thing. Get out of debt, then take out a small ($1000) loan at your bank. Pay it back on time every month to reestablish your good credit. Then be sure to live on what you earn, not forgetting to put aside money every paycheck, into a money market account. Good luck! |
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Moondog
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I don't think there is any pre-approval. I think that they just get a mailing list somewhere and send to everyone on the list.
Unfortunately them hitting your credit report is a negative mark on your rating. |
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la buena bruja
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You come up on a list that someone bought. When I get credit card offers in the mail, I rip them up and throw them out. |
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tootsie38
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Getting denied by credit card companies might be a blessing in disguise... did you not say you were once $10,000 in debt with them? Maybe you should not have one, it might happen again. That happened to me a long time ago.. I will never even apply for one .. ever.. they get you in trouble.. and deep in debt.. be thankful.. might have been doing you a favor.. |
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CherishTheMoment
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My husband and I get many credit applications a week. I applied for one cause it was a good one to get. Denied. I go WTH. Why send it and deny me. They told me I don't have enough credit. I don't know why they do what they do. I'd be happy if they'd stop sending them. |
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Expert Realtor
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Did you get the offer online?
If you did, then that is your problem....they don't send out pre-approvals via e-mail. |
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Amy!
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ANYBODY can get through the pre-approval junk. This includes my 16 year old brother and my ex with over $1000 in credit card debt and a mortgage that he hasn't paid on in months. They only say that you are pre-approved to make you feel like you really have something special. And the only requirement to get pre-approved is to be breathing. |
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Honey
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Before ever trying to apply for a credit card, you need to have your debt paid off. It's never a good idea to get a new card when you have debt. CC companies don't care who they send an invite to. You may have been signed up by someone else, or they may have just needed an extra person to send it to. Just don't apply for one, don't charge anything on the one you have and work on fixing the debt you have now before you go any further with the credit card. |
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Adolfo C
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1.) Why not choose to OPT-OUT from screening offers?
2.) AMEX will not give you a card in a million years with that much debt. |
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*smiLe :)
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aww feelin you on ALL of that haha i had the same exact situation, American express is the hardest card to get. Get a visa and prove to the burials you can pay on time every month and AMEX will see that and give you another offer. dont get down on yourself you did mess up your credit so you kinda have to deal with the consequences, that's how i look at it. |
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Julie
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Maybe you should file bankruptcy |
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~soul*of*a*diva~
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Oh well. |
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only1duk
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That just teaches you not to be a silly billy and borrow money.
NEITHER A BEGGER NOT BORROWER BE.
They'll always end up with more money than you that way. |
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