 Should my dad sue the guy? |
| So well my dad bought a restaurant in partnership with this guy, my dad was the 30 % share holder and the other was 70% in 1996, around 2004 the restaurant started making less money, bills were not ... |
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 How do I get delinquent bill off my credit report? |
| I payed a delinquent phone bill four years ago. This is still making problems for my credit score. Can I write to the credit companies and ask them to remove it? Thanks!... |
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 I need help........? |
| I was just served papers from a collection beru. I have to pay 3,500. I just dont have that kind of money. If I call them and make payment arrangements will they except them, or will they just take ... |
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 Credit card payoffs - highest interest rate or lowest balance first? |
| I have 4 credit cards and a loan that I owe $20K. I recently read that I should pay off the lowest balance first, but my husband thinks I should pay off the highest rate first. Any suggestions?... |
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 Why would my credit card APR balloon to 19.99%? I haven't missed payments and I have relatively good credit. |
| I have a fairly high balance--$16,000 due to graduate school expenses, but I always pay on time and try to pay more than the minimum payment. I make around $45,000 a year. I don't understand why ... |
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 I have really bad credit- not credit card related. Does credit counseling work or what can I do to fix it? |
| I am having trouble renting an apartment, I am going to need to buy a car and I would like to eventually own a house.... |
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 Will Social Security let you change your social security card.? |
| Someone stole my indenty and therefore I have to change my social security, but I think social security has told me they don't like to do that. I wonder what you think I have been a victim of ... |
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 My brother stole my credit card and went shopping online? |
| he took the card one night and i get this huge bill. i hate him right now. he wont pay for anything. now he left the other night back to new york. am i going to pay for his mistake? or do the credit ... |
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 How long after having a credit card is it ok to request a limit increase? |
Assuming you have paid on time and made substantially higher that minimum due payments.
Additional Details
It in fact would be a so to say "temporary fix" for vacation costs. I... |
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 Who invented credit? |
| You know, the whole idea of "buy/borrow now, pay later" but with added interest?... |
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 Is no credit worse than bad credit? |
| As far as I am concerned Ihave no credit. I have just recently got a student loan, I don't know if that made my credit bad or not. How can I get good credit? I don't want to apply for ... |
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 If i am filing for bankruptcy next month will i get introuble if i use up on my? |
| credit cards this month? I already bought alot last month and this month is it ok?... |
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| Does anyone know how to get rid of columbia house records? |
| I bought some dvd's last christmas and now they are always going into my checking account taking money out and mailing me dvd's that I dont want. I can never talk to anyone at customer ... |
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 I have a serious problem on my hands! I had some money saved up and i went out to find me a used SUV? |
| I set out to find a way to restablish my credit, and my girlfriend gave me 7 grand to put down on a used car. Now, by being so excited, i didnt care what happened, i just new i had cash and i found ... |
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 I CANT GET APPROVED FOR A CREDIT CARD NO CREDiT? |
| what credit card can i get i have no credit. i know how to spend stuff im only gonna buy like cheap stuff and pay it off each time. is there other ways to build credit?... |
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| Credit card company threatening to take money !!? |
| I had a credit card with halifax bank a few years back , i basically got behind with the payments and eventually stopped paying , after several letters , i rang them up and explained difficulties in ... |
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 Is there a way to remove old paid off debt from my credit history? |
| I am trying to build my credit back up after some stupid things I did as a 20 year old. I had some deliquent credit payments about 5 years ago or so, that I eventually paid off in full about 4 years ... |
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 What can i do about ex husbands girlfriend pulling my credit from her work? |
| My soon to be ex husbands girlfriend obtained my social security number and pulled a hard inquiry on my credit. She is employed at a mortgage lender, which is where the inquiry came from, although a ... |
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 Why can't I get a unsecured credit card? |
I'm trying to rebuild my credit rating but nobody wants to seem to help!
Additional Details
they keep sending me applications for uunsecured cards and then reject the applications.... |
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Jon E | Will I build credit if I'm on a friends credit card account? |
I have no credit. My frined offered me to join his credit card account, we will have the same cards basicly, I'll just be able to use his card, I will have a card in my own name, but on his account. Will this help me build credit? I find it funny how I work full time and can't get a credit card but someone who doesn't even have a job can get a credit card if they're in school. That makes no sence lol. But if I can't build credit, I will be able to in January when I go to school. Thanks to anyone who answers! :) |
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Lilly
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Just make sure that particular account goes well and is paid on time because if she/ he is late with the payment you lose in the credit score department.
I'm advising my sons not to take credit card offers at all. If you can't afford it, don't buy it. |
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Jay
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This won't help you very much. It's not your credit, it's his. He's the responsible person for paying, not you.
The system may be messed up, but if you want to build credit, you're going to have to do it with your own credit card. Start small. |
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boobookittyfck37
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Up until about a year ago this would help you as long as the friend paid thier bill ontime it would help your credit score by just being on the account. However FICO changed this rule and it no longer will help your credit it can only hurt it if the bill is not paid. |
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creditlogic
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The best way to build your credit is to establish Primary accounts (Accounts only in your name and not to piggyback off of other peoples credit.) Although authorized user accounts still work for the credit score (FICO 08 was stopped) a lender will still look at your credit depth and most are ignoring authorized user accounts. There is a BIG problem today with people wanting to establish credit and that problem is going into debt just to build credit. Not a good thing with today's economy. There is way that I have found to build credit without going into debt. Look at www.creditloader.com. I have used this and I have told a lot of people about it. It builds large credit fast, shows the bankers that you have money in a savings type account and you are the primary on the credit report all without going into any debt. You than can look at credit cards to build even more credit and you will probably have a much lower interest rate. |
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hdporter1
 |
Being an authorized user (AU) on someone else's account will help your credit standing (assuming, of course, that the account is in good standing and all payments have been timely).
There were changes to the FICO scoring models discussed wherein AU accounts would be disregarded in credit scoring. However, that change has been deferred and it's uncertain when and in what manner that change might eventually be implemented. (Talk is now that not all AU accounts will be ignored.)
At the present time, this can still be a good strategy through which to establish credit. However, you need to ensure that the card has a clean history. If you have any doubts about that, I'd recommend against it. (A good precaution would be to ask to see a copy of his credit report ... but that smacks of "looking a gift horse in the mouth"). |
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MadMan
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No, it will not help your credit as the account, and responsibility to pay it, is your friend's. |
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marypoppins
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get your own credit card. your friend is nuts for putting your name on his card. lord. stupid. |
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Nastia
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no it needs to be under your name, but you can start with at least a card with a low limit like 300, www.creditcards.com they have different choices |
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Replace
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Don't do it.
No friend is that trustworthy. If he gets into difficulty, you will never get credit on your own.
Try getting a credit card from a department store. After a year that indicates good intent and helps to get a MC, Visa, etc. |
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