 Hospital bill collection calls...do I have to pay these? |
| Does having delinquent hospital bills reflect negatively on your credit? I'm a student, I do not have a full time job, therefore I don't have health insurance. I have had to go to the ... |
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 Need to pay off a very high interest loan. My credit sucks. Help.? |
| Cash Call loan @42%. I was desperate, but now I'm looking to lower interest rate, but no one will give me a chance due to my lousy credit. I'm sure there are sources out there that look ... |
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 Help!!!!!!? |
Im 19 and when i turned 18 i was suddenly able to get all this credit.
I had about 8 credit cards (no loans) and ran them all up to the max. I was forced to re-locate to a different part ... |
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 Received a work bonus- pay off one credit card or spread over 3? |
| I received a $5000 bonus check from my job this week and I have 3 credit cards, one with a $2500 balance, a $2300 balance a $3000 balance (but at 0% for 2 more months). Should I take my lump sum and ... |
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| What do you think about credit repair agencies? |
| what's your experience with this kind of service, what do you know about it?... |
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 How do you use a debit card? |
got my first one and dont kno how to use it.
i kno its the 21st century but i never learned how to use a debit card.
... |
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 Credit Crunch: Why cant the government just print more money? |
| If we are in 'crisis' then why cant the banks/ government just print more money?... |
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 When i went bankrupt yesterday? |
| most of the other people who went bankrupt bragged about how they maxed up their credit on their cards and bought things like Televisions and holidays.But I still had thousands of pounds worth of ... |
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 How can i improve my poor credit? |
| How can I improve my credit and credit score? I have poor credit and am trying to make it good again.... |
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 My husband and I have Been married for 25 years,and over the years,we have 42,000 in charge card debt.? |
| We have outstanding, credit, but are sick and tired of robbing peter to pay paul (saying) not being able to go on any vacations, because we pay about 1,000 dollars a month just in charge cards. S... |
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 Can i transfer a student loan(private student loan) over to a 0% interest credit card? |
Additional Details
the reason i am asking is because
i have 6k in private student loans
they are charging me 10% interest
i have a credit card willing to give me 0% ... |
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 Credit Score Anyone??? |
| I am soon to be 21 and I have a 770 credit score. Is that good? Will I be able to finance the entire price of a car???... |
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 I need a loan and i dont work am gettin maried in aug and need money fast.help? |
| ive tried lots of loan companys and they take to long or i dont get anything .i dont no what to do and gettin really stessed.am gettin married soon and did money ... |
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 Can you go too jail if you ordered stuff Online? |
the teacher asked us a question.
Can you go too jail if you ordered stuff Online and you didn't pay? What if you used the billing address to somewhere and the shipping order too your ... |
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| How do I go about eliminating my credit card debt? |
| I am 23 with a nine-month-old son, and I owe (on top of my student loans from college) approximately $30,000 in credit card debt. I am looking to do a debt management/consolidation program, but was ... |
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 I need advice on credit card debt? |
| I have about 2,500 in credit cards that went to collections, what happens if I start over with new means of rebuilding my credit and stay on top of making payments will my credit score go back up or ... |
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 How do i remove negative account history from my credit report? |
| i have a copy of my report and although all put one account remains open , some closed are in my negative history list!! i am trying to raise my score.. for the pat three years i have been paying ... |
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fuilui213 | Will having a credit card with a co-signer help my credit or theirs? |
i know i cannot apply for a credit card under my own name because i have no credit report since i am a college student. i have an available co-signer, but will this help my credit or the co-signer's credit when i use and pay my credit card bills on time?
Additional Details
i applied for my first credit card, and they rejected me. a couple days later, they sent me a letter stating that i didn't have credit history, which is the reason why they rejected me. |
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dawithr52
|
You apply for a credit card under your name and the joint person. This will give you credit so long as you pay the bill on time. Read the fine print because alot of credit cards are only 21 days to pay. If you default the burden falls on the joint person, which won't be so good. If you want credit your better off buying a car or taking out a loan and paying it back. Credit cards are a joke and make it to easy to get into debt. Also bankrupt laws have changed so it is not so easy to get them erased. |
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michael m
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help your's hurt theirs if you screw up |
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violetb
 |
Unless you have bad credit, you can apply for a credit card. Credit card companies love college students, but if you do get a co-signer, it would benefit both when used correctly. |
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deedlebay
 |
It will help both unless they have to many credit cards then it could hurt them. |
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monkeys mom
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It will help your credit if you pay on time, but it will hurt both you and your co-signers if you don't pay on time. |
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vasan
 |
this is not ok |
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Azul
|
it will help you |
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ladyoh
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have your parnets to get credit card with your name on it pay on time you build your credit but don't your parnets to the cleaners either |
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jrmy
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neither
if you cant afford to put money on your own credit card at a credit union then you shouldnt have one what ever you tell them you want on your card you give them first
when your done and built up your creit you will be able to get your money you astablished the account with and then have a real card co signs are bad i dont have any co signs
i dont have good credit in 2 more years i will though and you can too with out implimenting anyone |
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rangers_86
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Your credit, tehy are just there for security reasons..says if you dont pay it will hurt the both of you, just not yourself |
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OhGreatWiseOneinHipWaders
|
Being a college student does not mean that you have no credit report.
You should check with the credit bureaus. You can get free report from each of the three majors once per year. If you want your FICO score you will have to pay a small additional fee of about $5 per bureau.
You may be surprised at what is already on your credit report. It would be good to get inthe habit of checking your credit reports every year now. Personal financial knowledge is a powerful tool, and should be possessed by every young adult. |
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PuterPrsn
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It will help yours. You should be able to apply for a card in your own name if you have had a checking account for a while - ask for a low-balance or secured card.
Charge a reasonable amount (like $100) and pay it off over 3 to 4 months. Wait a month or two and do it again. After a couple of years, you'll have a decent credit rating started. |
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KariM
 |
It will help both. make sure you can afford your credit card though because if you default they can go after the co-signer even if you declare bankruptcy. |
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mapleguy
|
It will help or hurt both depending on if all payments are made on time |
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moosebreath
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Both credit scores will go up or down depending how you handle the payment arrangements . Pay off early and it helps your score ! |
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autopsygirl99
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It will help both your's and your co-signer's credit - as long as you pay the bills on time! If you default on the card it will hurt both - and your co-signer will not be happy when they pull their credit report and see that. |
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