 Is the site REAL for extra cash? www.web-earner.webs.com .In UK where can i earn MONEY ONLINE from home? |
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And if it is, what is the lowest amount that is considered a largem income?... |
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 What should i do with a ripped dollar? |
should i tape it..is that allowed and will people accept it? or should i just take it to a bank and have them replace it?
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its a five dollar ... |
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 What's it like making $100K+? |
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Starting with £6000 that the owner of would not like to spend much of?
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polly c | I once heard that cancelling store credit cards don't affect one's credit score. is this true? |
i have 2 visa and 1 amex. also a macy's & victorias secret's cards that i just don't use and wants to cancel.. |
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farrell h
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Repairing the credit score is not that difficult provided you take these 5 simple steps into consideration.
1. Check your credit report regularly
This is a must to ensure that you know your current credit score, and what is ailing it. If there are any inconsistencies in your credit report get them corrected. Keeping bills of all the transactions you make can be very handy and helpful in correcting any errors in your credit report.
2. Get rid of those extra credit cards
The temptations to own a new credit card are so numerous in modern times that many of us end up with a purse-full of them without any real need. They stay there and cause a lot of problems in repayment. The confusion that comes with too many credit cards can easy lead to a missed payment and resulting penalties. Frequent defaults will reflect poorly on your credit score. So, keep only the necessary and discard the rest.
3. Repay on time
Every credit card transaction is a loan that has to be repaid on time with interest. Don't ever miss out on any repayment. If you are not able to make full payments, make half, or even the monthly minimum, but don't default. This will keep you in the good books of credit card company and help your credit score. If you are not able to pay anything to the credit card company, don't shy away from them, call them, explain your problem and work out things so that a negative report doesn't land up with the credit reporting agencies.
4. Keep your debt to balance ratio low
A low ratio means that you are repaying on time. This factor has carries a lot of weight while determining your credit score. A low debt to balance ratio goes in your favor while it hurts your credit report badly when this ratio is high. The high ratio says that you are not able to manage your finances well, borrow more than you can afford, and the repayment is not up to the mark-- in short a good candidate to accumulate a lot of credit card debt. Always, avoid giving this impression to the credit card companies. Read more from: http://www.credit-card-gallery.com/article/239,Credit_score_repair_in_5_simple_steps |
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Michelle S
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It depends.Have you had the visa and amex cards for a decent amount of time and have a good history with those? If you have and you really don't use the store cards then you can probably go ahead and cancel them. You don't want to have too many store credit cards on you credit because it doesn't look good. Also, if you haven't used the cards in over a year you need to call the credit card company and make sure your account is still active. Some companies will close your account if it has been inactive for a long period. If the company closes the account it looks bad. You credit report will show whether you closed the account or the company did. Hope this helps. |
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Lillie A
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CANCELLING A CREDIT CARD IS A VERY BAD THING IN REGARDS TO YOUR CREDIT SCORE. one-third of your score is based on how much of the credit available to you you're actually using. Cutting up credit cards will automatically decrease the amount of credit you have available. Fico scores according to how long you have had the account, so if you close an account it changes your credit histroy. Fico also scores on how debt/ratio...how much of your limits are you using. If you close an account you are closing off that limit and lower your overall limits. If all your cards add up to 10,000 and you owe 4,000 you are only using 40 percent of your limits (which is not great but it is not really bad either) if you then close a 3,000 card then your limits are 7,000 you are using well over50 percent of your limits which is really bad because now you look like a risk because you are using too much credit. Experst will tell you NEVER close accounts, even after you pay them off. |
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rftdwg
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Canceling them actually help you and your credit rating. If you carry to much available credit with not enough income to cover them all and need a loan for a car or a mortgage for a home you are more likely to get rejected. |
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berryfremont
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false |
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CommonCents
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There is some bad advice above!!
DO NOT cancel old open accounts, it will hurt your score.
You should use them once in awhile, and pay the bill in full.
It updates activity, which is good for your score.
The more open credit that you have and use and pay on time, the more there is to score you on. You also get credit for the age of the account...
Keeping balances to less than 35% of your credit line on EACH account will help your score.
Having ONE card at or near it's limit will hurt your score.
Pay all minimum payments on time. That and age of accounts will help your score.
If you are maxed out on one card, it looks like you are not in good financial shape, and are desperate.
Carrying a low balance is fine,, make minimum payments ON TIME. |
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saurus3118
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If you have no intentions of using them, cancel them. Make sure they are paid current and write telling them that you no longer need the cards nor want them. Wholesale cancellations are trouble but one or two don't matter, especially if you don't use them. Most store cards have a policy of cancel after 1-2 years of nonuse but if you have not used them and they are not showing closed on your credit report, any future lenders perceive them as a liability or source of credit. It's a balancing act. Master card and Visa have mixed closing policies depending on who issued it. I check my credit report yearly and look for any o/s accounts unused for more than a year that need to go. Our credit score is about 990 so it must be working! |
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bonlwick
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I have heard that keeping cards without a balance will help your credit score. The theory is that it is better to have it and not use it. Not sure why, though. |
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Yahoo! User is invalid.
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dunno |
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Zeltar
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FICO score is partially based on the length of credit. If you've had them for many years, it can be better to put them in a drawer than it is to cancel them. |
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Miles
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It's a mixed bag. Cancelling cards that you no longer use is a good thing. However, doing a wholesale cancel on almost all of your cards may actually hurt your credit score, because you may have shown that you had good credit habits during the time that you had those cards (paid early, never late, never exceeded credit line, etc.). |
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