 Has anyone used a legit credit repair company? |
I have tried to dispute items on my credit report and haven’t had much luck.
I have late payments, bad debts, and I have no good credit. Please give me links so I can research the ... |
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 How long do negative occurences stay on your credit report? |
| I mismanaged my finances back in 2001 and 2002. Now I'm fine. But I applied to a job that did a check on my credit report and they said there were some "negative things" on it so I ... |
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 What is the best way to stop credit card collections from calling?? |
| Although I do have some late fees, my credit card company continues to call more than 5 or 6 times in a day. This is ridiculous. Is there any way that I can have them stop this practice that will ... |
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 When a collection agency calls and ask you to pay the entire amount owed on a debt. Can I make payments? |
| My husband is on dissability and I can only make small payments. The lady who called was very nasty and very mean. Made fun of our income. so I told her I would send twenty dollars a month. Not ... |
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 Why is it that when you use a credit card sometimes you have to sign and sometimes you don't? |
| The gas station never requires a signature. The grocery store or retail store usually does. Even if the amounts are the same. Who determines when you need to sign, and when you don't?... |
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 I can't pay some of my credit cards anymore starting next month, what can they do to me? |
| I have depleted my savings that has supplimented my meager 600 a month take home pay. I have payed my cards for years with no problems but my life turned around completely a year ago and I have been ... |
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 When a creditor takes money from a bank account when the debt is already paid, how do you get that back? |
My husband had an outstanding credit card debt, that a creditor filed against our tax returns for, for the last several years.
A few months ago, a different collector bought the debt, and ... |
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 Does anyone know of any companies in uk that give mobiloe phone contracts to people with bad credit?? |
Additional Details
Ummm why do people assume things? I need this for a purpose not to show off with my mates!... |
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 About credit card debt. I have 5 major credit cards. I only owe 50.00 on one but much more on others.? |
| I know I should pay off the high interest rated ones first but since I only owe 50.00 on one that has a medium interest rate shouldn't I pay that off and close it leaving my card total down to 4?... |
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 Are debt settlement companies a scam? |
| I was thinking of signing up with a debt settlement company but I have heard the debt settlement companies not what they seem. They promise to settle your credit card and unsecured debt for half or ... |
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 Am I getting a good auto loan rate? |
| I'm taking out an auto loan for $32,000. My credit union has offered me 5.5% for 72 months. Is that a good rate? I have looked at several other places and they all want a minimum of 6.9%. My ... |
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 What happens if I do not activate a new credit card? |
| I applied for a new credit card, and got approved. I changed my mind and don't want it. The card has arrived in the mail. If I fail to call the number on the card, does that mean the card will ... |
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 I've been having some trouble not going over drawn in my bank account I need some help!? |
| Ok so I have been trying REALLY hard to save some money and keep on track. But it seems that everytime it comes to pay day I'm over drawn and my check being deposited is going to cover the money ... |
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 Should I pay this? |
| I am trying to buy a house. When I looked at my credit report I found that I have a charge off for $400. The thing is it is going to be removed in 4 months. Is it better to pay it or will it ... |
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 Is 681 a good credit score? |
could i get a new car with that?
Additional Details
it's just me not combined with a partner (just have a bf not a hubby i'm barely 20)... |
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dupcioszek d | Why was i refused personal loan from banks with best APR ? |
i am permanent resident for 2 years in uk, continuously fully employed (current employment 7 months)
I have at least £1k income after taxes and all costs of living left each month, i wanted to borrow £5000 for 2 years.
i have no credit cards, loans, mortgages, children, past problems.
i still got an offer from my own bank, but 10% and high early repayment fees (around £250), and its competitors (APR 6-7%) refuse, why ?
what to do ? |
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angie
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Some interest rates offered only apply to certain customers.
I have a loan with Northern Rock at 5.9%. I recommended a friend but she was refused. Further investigation clarified that I was given the 5.9 % loan as I was a homeowner.
She is not a homeowner and was offered a loan at 12.9 % with a £200.00 arrangement fee.
The terms and conditions and qualifying conditions can vary greatly between loans. |
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C
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get some credit cards and max them out then they will give you a loan lol
you need outstanding credit to get a good credit rating |
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Amanda H
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Here's the big red flag: i have no credit cards, loans, mortgages, children, past problems
This means you have no credit history, which is a key factor in determininig loan rates. Until you establish a good credit report, you wont get the best rates.
And by applying all over, you racked up inquiries, which also dings your score. |
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.
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you only get the low APR on higher loans or over longer periods |
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Joe Bloggs
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Sometimes if you have a credit history (a clean history of borrowing and also replaying your debts) you get better rate. However I agree.... its hard to get the headline APR rates that some lending organizations offer. After alot of hunting my sister got a loan for £6,500 to pay off her student debt via the Alliance and Leicester at 6.5% ARP. She'd had the orginal loan via RBOS... who wanted to charge her 19.5% APR. Keep hunting for a good deal and good luck. |
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dream theatre
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get some credit cards |
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Experian Agent.
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There are two basic types of searches recorded on your credit file, a credit application search and an enquiry. Only credit application searches are seen by lenders, so that they can make an assessment of how ‘credit active’ you are. There are lots of myths about the problems caused by having several credit application searches recorded on your credit file. Certainly, many searches within an hour or two can indicate a possible fraud, and dozens in a month can indicate financial desperation, but up to about 12 searches on file in a year is perfectly normal and is expected. Very low levels of searches can tell lenders that you are not very credit active, so they may not be so willing to lend to you.
so you need to be in debt to get anything ! |
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Health Freak
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what corrine says is true.
It is a vicious circle, creditors will only give you a loan if you already have outstanding amounts elsewhere.
They want to see that you are paying off things every month.
As far as that lender was concerned, you have no credit rating. Strange I know! |
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slayer73uk
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Like the others say - if you have no credit, most lenders aren't interested. Get a couple of credit cards - you don't have to use them, but it'll give you a credit rating.
Also, be aware that "smaller" amounts rarely get the best APR on offer. Some banks also want 3 years worth of residency, but not all, providing you have proof of address from before that time. |
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cbecker72
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Some banks offer a loan option that is usually guaranteed for approval and is an excellent way of cleaning up your credit. It's a loan backed by a certificate of deposit....basically, you purchase a CD from the bank, then put it up as collateral for the loan. You can then make payments, usually at a decent interest rate. It's very low risk, and a great way to build credit. |
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Carrot Cruncher
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By not having Credit Cards or loans or a mortgage you don't have a credit history which means your bank are unable to decide whether you are credit worthy or a bad risk. |
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