 Home mortgage questions? |
| i am a first time home buyer with fair credit due to high credit but have made my payments on time for 5 years.my question is are there any programs(lenders) out there that would give additional ... |
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 What are my chances on a car loan? |
| I'm 18. I've had a VISA credit card from my State Farm Insurance, I got without a co-signer, for 6 months and have been paying it not only every month, but every 2 weeks(I pay half of the ... |
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 I paid an upfront fee for richards_loan_agency , he turned out to be a scam artist, how do I report him? |
I did a stupid thing. I noticed loads of people on yahoo answers recommened richards_loan_agency and said they got a loan of him.
I conacted him and he said he wanted £80 upfront for non ... |
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 I wanna see my loan statement .i mean how much left to pay back? |
| i 've taken a loan 5 years ego and i wanna know how much left to ... |
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 I have no credit and would like my first credit card. What card should I get? |
| I would like the credit card to approve a few thousand dollars or at least one thousand so I can buy a laptop.... |
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 Paid off a delinquent credit card that had gone to collections...? |
They said it would be marked as "paid" but once I agreed to their payment plan, they said it would be marked as "settled."
I did settle for half of what they claim I owed.
... |
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 Does Bank of America have a right to close my credit card without a notice? |
It was my first credit card, and they closed it due to inactivity. Now my credit score will fall because of it. Is it legal to do? The card was in good standing.
Additional Details
They ... |
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 I have taken bank loan on car.i am unable to pay instalment.wat will happen? |
there wore 48 instalments ipaid 20.my son given car to his friend, he is not paying
Additional Details
i have taken loan in ... |
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 Let's say i'm negative in my account...i know i cant use debit...can i still use the credit on my card? |
| i have to pay for some important things...my debit card has debit and credit...can i still use credit even though im negative?... |
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 If I cancel/close my credit card...? |
| I have a couple hundred in my balance on my MasterCard. Can I close it? I mean, I don't want to use this card anymore for other purchases, but even after I close it, I'll pay it off. I just ... |
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 I need Help choosing a credit card!!!? |
| at work i got offered a 7.99% fixed apr on a discover card should i take it or leave ... |
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 So how will everyone be spending their checks? |
How will you guys be spending your rebate checks from the government? Paying off debt? Shopping? Saving?
Additional Details
Oh debt! oh debt! how we love our debts!!... |
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 Credit.......? |
| Does any1 know how to get yr credit rating up (I want to get a lapttop on credit) as to get a credit rating you have to get something on credit but you cant anything on credit until you have a credit ... |
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 Can I just wait out my bad credit? |
| I have really bad credit, from a divorce three years ago. I aquired all the bad debt, and non of the stuff! I have a repo, and a ton of old dilinquent accounts. Can I just wait them out, or should ... |
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 Cosigning for a loan? |
| ok, my wife went to apply for a personal loan of only $1000 dollars. Was told she needed a cosigner because she has no credit. my mother cosigned for her, and she has awesome credit. Between the two ... |
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Chris Smith | Will the amount of purchases I make on a credit card make my credit better if I just got a credt card???? |
will the amount of purchases I make on a credit card make my credit better if I just got a credt card???? |
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Kiah
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It makes your credit really good if you fully pay off your balance each month, or every other month...and don't max them out! |
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bluestem0916
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Depends on the credit you want. Just having a card that you don't use will help your score more than not having one. However, having too many even without any balances reduces the amount lenders think you can borrow and you might not get say a house or car loan because you have "too much credit" extended already.
If you want the credit card companies to increase your limits, you have to use them and show you can pay the minimum due on time. This is something to be careful of because if you continue maxing out your credit card(s) and they continue to increase your limit, you might get to the point where you are paying such a high monthly minimum balance that it's all you can afford and you'll never pay off the balance. (remember that's what keeps them in business is the interest rate you pay. If you're paying off the card every month or more than the minimum balance then it doesn't benefit them as much. Their goal is to keep you paying interest but that is not in your best interest...)
There's many pluses to using your card and paying the balance off every month. E.g., use it for things like groceries, gas etc that you'd normally use a debit for and get free airline mileage or other perks certain cards offer. To help you keep track of your expenses though, enter the purchases into a check book register daily and keep a running balance on your bank account. Then when the bill comes, you'll have the money to pay it.
Well, that was longer than I intended... hope it helps. =) |
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scouse2026
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ONLY IF YOU KEEP UP WITH YOUR PAYMENTS IF YOUR LATE YOUR CREDIT WILL SUFFER |
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Roe
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No, What builds your credit up is making at least the minimum pyment and make it on time. The longer you have it the better your credit. |
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Good Grief
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I'm in the same boat with the card. You need to pay the bill that should help. |
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carlos
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you'll increase your score by paying the card every month. |
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lefang
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no, its the regular payments that will enhance your rating.LF |
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blackrose_devilswhore2002
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I'm pretty sure it all just depends on how well you keep up with payments. |
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The Advocate
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not necessarily the volume, but the prompt payment gets your
relationship improved. |
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conap31
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LMAO LMAO LMAO I THINK PAYING THE BILL WOULD HELP! LMAO LMAO LMAO wait wait no no buy a ton of things and dont pay the bill! that will definately help! |
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