 How do I get a credit card when I don't have a credit history? |
| I am 19 years old and I am trying to establish credit but when I apply for a credit card I get denied because I don't have a credit history. What can I do?... |
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 Credit cards for people with bad credit? |
| What credit card company is the most leniant when it comes to giving people with past bad credit a new card?... |
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 I just did my credit score and it was considered "high"? |
| so why is that I just got turned down for a credit card?... |
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 Tips/ Tricks or simply myths Do you have suggestion on how to improve credit/ score? |
| I heard if you pay the collection agencies a dollar they cannot report you to the credit bureau, is this true? I heard you should dispute everthing at least once , it just might get deleted. I should ... |
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 Is a person takes out an unsecured loan on a car and dies just two months into the agreement does the debt die |
| my late husband took finance for a car two months before he suddenly passed away. Now the company are pressing me for full payment of the loan. I was told that because it was an unsecured loan, the ... |
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 Is it legal to refuse to give a refund when paying by credit card? |
| I gave a deposit for a trip on 1/9/07 for a trip in 7/07. I had to cancel within 2 weeks and they won't refund my deposit. They will apply it to another tip. I find this unacceptable. I would ... |
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 How to build great credit fast? |
| i have a credit card that i pay off every month but its only been like 4 months. and my brother says dont pay it off just make the minimum payments cuz its better for your credit that way. i always ... |
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 Credit cards? |
| hi i'm looking for a credit card that dosent require you to have an savings or checking account do you know of any that i can apply ... |
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 Can I get credit after being made bankrupt? |
| I am now discharged from being bankrupt but can I get credit? And if so, how much approx. will I get? Example: car on HP???... |
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 Has anyone heard about a credit card company named"Juniper"? |
| I got an offer from Juniper through the mail, APR is 8.99%, no annual fee and plenty of other benefits. When I called it sounded very unprofessional and even the recording sounded home made. I felt ... |
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 Why would my credit score go down 15 points in a month, when nothing major has changed with my credit? |
| I'm not deliquent on anything. I have the same bills as before. I'm not sure what could have caused it to fall 15 points.... |
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 I was a victim of identity theft i don't have a credit card so how do i get a credit check? |
| this all happend when i was under the age of 18 but i cant get a any credit and every time i try to do a credit check it tells me i need a creidt card i have never had any creidt cards i do however ... |
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 Bad Credit and No One will rent to us!? |
| My fiance and I have tried submit applications for 7 apartments in our town, and NO ONE will rent to us, because his credit is horrible..He recently paid off his debt on his credit card, and it did ... |
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 Is my credit messed up? |
| Im new to credit cards and my mother said she will help me by paying them for now. So I left it up to her. I checked my account online and it said I was 5 days over due on a credit payment of 20 ... |
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 Can this go on forever? |
| A negative action on my credit report is supposed to fall off in 3 years according to what I see here. Can the collection agency renew my status as active or sell it to another agency to collect with ... |
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badcredit | Will credit card companies finally ignore you if you don't return their calls for an extended period of time? |
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Star Dust
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Ahem....When you ignore the credit card company, they will give your account to a collection agency. If you ignore the collection agency, the credit card company will then sell your account and a few hundred other uncollected accounts to a law firm. The law firm will then send you a demand letter giving you 30 days to pay in full or make payment arrangements. If you ignore the law firm's letters, the law firm will file suit against you for the amount due on the credit card PLUS the maximum amount of interest allowed by your state, PLUS 25% attorney fees, PLUS all the court costs of filing the suit. If you are served with the suit papers and then ignore THAT, then the law firm takes a judgment against you and puts a lien on your property and garnishes your wages and garnishes your bank accounts. Garnishment is usually what makes a debtor stop ignoring the debt. I have piles of this stuff around me right now. In fact, I filed three garnishments this morning. |
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Frank Castle
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No |
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daveduncan40
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If you owe money to them then they will not just "go away." |
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Hickhouse
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Yeah, but you can't buy a home until it's paid off, even if it's like 10 years later and not affecting your credit. Good news is that the clock on your credit has already started - the date the company called it a bad debt. That's what I love about this country, you're never more than 7 years away from perfect credit. |
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chevy87fanatic
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Yes, they will turn you over to a collection agency so they don't have to deal with you anymore. |
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gregory_dittman
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Credit card companies aren't calling you, but collection agencies are. They probably have an auto dial system and it just goes through the loop. |
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ineptsuperhero
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If it is for a collection, no matter the amount, NO. They will maybe stop sending you mail directly and have their collection agency deal w/ you. They are very tenacious.
If they are calling you to get you to apply for a credit card, go to www.donotcall.gov and register your number and in about two week you will stop getting all telemarketer calls. |
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Disillusioned
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Yes, they will do that very thing, ignore you while they are getting your account ready to send to a lawyer, who will in turn place a judgement on you for the amount that you owe them. |
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TeamJester
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yes...then you hear from the collection company! |
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cutygrl
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NO! Chances are they'll hound you 'til you pay! |
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