 Shouldn't a debt that I haven't been able to pay be showing up on my credit report? |
| Several months ago, I hit some major financial troubles causing me to fall behind in paying an unsecured debt. They refuse to work with a credit counseling service and demand the balance in full and I... |
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 How do I start to rebuild my credit? |
| I am a thirty seven year old man that has made some mistakes in my past and frankly if I start to repay all of my creditors at once I won't be able to eat ramen noodles till next July so what do ... |
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 Help please,weve got a secured loan? |
| and the apr is 31%,,we borrowd 5k,,,is it possible to take out another loan at a better rate and pay the 1st loan off,ps we are in the uk,,,thanks for any ... |
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 I have $7K in credit card debt how do i get a consolidation loan ?? |
| About $7K in credit card debt. my credit score is very poor around 450. I cannot get approved for a consolidation loan, i dont own a home to take out a 2nd, im living pay check to pay check. I really ... |
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 How did you get your credit started? |
i'm having a hard time starting my credit. I just need some ideas what works good and what doesnt.
The do's and donts about starting ... |
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 Will my bad credit count if i'm out of the country? |
| I have 2 credit cards in UK and owning them few hundreds pounds and sometimes missed the payment. If i stop paying it and leaving these debts behind and back to my home country . Will this bad ... |
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 I was late on my mortgage payment... can my mortgage company remove this? Would it be legal? |
I was late on my mortgage payment (biggest mistake EVER!!) I have been sending letters to them for months, trying to figure out how to remove the "late" on my credit.
They keep ... |
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 Should I pay this credit card charge? |
| One of my relatives who was living with us recently left the U.S. and went back to his country. I don't think he will ever return. But his credit card bills still arrive at my house. He is being ... |
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 Can i write a check on an overdrafted bank account? |
| if my bank account is overdrawn and i want to write a check to pay for something, will the store be able to run the check through?... |
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 Eviction serious answers only? |
| I am currently in housing court , in an eviction process. I have tried everything under the sun to try and get the money to pay arrears but have had no luck and i am going to be evicted out of my ... |
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 How can a $3,000 credit card become a $13,000 law suit? |
| My boss had a credit card 4 years ago for $3,000 he didn't pay. Now he has a civil suit against him for $13,554.37- is it legal to do this? Isn't there some cap on how much interest they ... |
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 Death and debt? |
| My mother passed away and left behind a 16,000 credit card debt. Who is responsible for paying this debt? Does it die as well. My mother was a house wife...my father works out of the country and ... |
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| What bank in the United States allows a 16 year-old to get a visa check card or similar? |
| I want to get a Visa check card, but all of the banks I have called have said "Come back when your 18". This is extremely frustrating. Do you know of any banks that let you have one while ... |
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 Can a collection agency or law firm attempting to collect a debt harrass family members? |
| A collection agency and a law firm continually contact my parents (with whom I havent lived for over 20 years). Their phone number is unlisted. My father has even been cursed at. Is this legal?... |
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 What does Cash on demand mean? |
| I have a credit card and it says that it has cash on demand. What does that mean?! Thank you in advance........ |
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| Should I pay debt collection or ignore? |
| I had a cell phone a couple years back that ended up going WAY over my plan minutes due to work use. Work agreed to pay their share, then bailed. The cell company cut off the phone and wanted the ... |
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jeffro207 | Why is it so hard to achieve credit? |
Being young, and without credit, really hinders any financial siduation. |
 |
 
mel
|
no, it doesn't hinder your financial situation. It means you have no money to buy things "on credit". If you have money, you have to prove it, or if you will pay your bills on time, you have to start small.
Assuming you have a bank account, start there. Most banks issue credit cards, and a bank is happy to let you apply.
credit cards are only a convenience so you don't have to bring cash. it's not free money. pay off your balance in 30 days or you will be in debt forever. |
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SWAY
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Other people had problems with trust. Now today it is difficult with credit, and will only get more difficult. |
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coreys1247
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It not that hard to "achieve credit" if you know what you are doing!
It sounds like you need some expert credit advice. If you are serious about acheiving credit, read this entire website:
http://www.expert-credit-advice.com
Here is a page specifically for you: http://www.expert-credit-advice.com/building_credit.htm
This is the best credit related content based website I have ever seen.
Dont give up, you will need your credit, and with some solid effort you will have a excellent score.
If you dont put the effort into learning and educating yourself about this ever so important thing called "credit", you will never reach your goals.
What are you waiting for? |
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Lianne
 |
When you're first starting out, lenders view you as a financial risk. It is your job to show them that you are creditworthy. The 2 easiest ways to get your foot in the door creditwise is to either get a student credit card (if you're a student) or to get a secured credit card. You can find info on building credit from scratch here: http://creditwisdom.blogspot.com/2006/09/building-credit-from-scratch.html |
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mkulda
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Just think.....this is your chance to learn how not to abuse credit and how to be more responsible.
You should start by applying for a department store credit card. Sears is usually very easy to get. But try Kohl's or JC Penney also. (Only get one!). They have lots of stuff you'd need and you can only use the card at their store. (Sears is now a Master Card, but don't be tempted to use it anywhere else).
Don't get a MC or VISA right away. Because you can use them everywhere you'll be tempted to get gas, groceries, coffees everywhere and the next thing you know you've run in over your head with little things.
Use the department store card on small things at first.....stuff you can easily pay off at the end of the month. Do this for several months.....then maybe buy one thing and try splitting the payment in 2 or 3 parts.
If you've done this for a year or so....you'll already show that you are responsible with credit....you'll have a decent credit score and you'll be on your way to earning more credit.
Remember to take it easy. 65% of your credit score is determined by the amount of outstanding credit you have and the timeliness of your payments.
If you get several cards, max them out and then start missing payments, you will have really screwed yourself financially. |
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David A
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Get a student card, they will approv you.
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http://www.bestcreditrates.net |
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Mr.Why?
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buy a tv with your credit card and as long as you have money in the bank you should have achieved credit |
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rivera224
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i dont kno im trying 2 find that out |
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Smudgeward
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Wrong end of the telescope, it stops you ruining your life and learning how to: delay gratification, save, budget, live w/in your means, and appreciate what you can really afford. The mass over extension of credit is a con and illusion that the western world has been hooked on for almost a generation now w/out consequence, yet. The economy moves in cycles, we are headed for 16% interest rates and history's biggest pay back cycle ever, so be glad if no one will let you set yourself up for the fall of a lifetime, if you have real money saved when all else are down and out you can buy everything up on the cheap. |
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