Thursday, November 27th, 2008 at
3:02 pm
flori0009 asked:
I have years of excellent on-time rental history, however I have no credit because I’ve never been in debt (always pay bills on time) go figure. I was wondering which credit cards I could apply for, for the first time. Wal-Mart Credit card rejected me because I have no credit, and I’m just looking for something small so I can put things on the card and pay them off quickly to establish some sort of credit. Any suggestions?
Technorati Tags: Pay Bills, Rental History, Wal Mart
Thursday, November 27th, 2008 at
1:20 pm
Justine R asked:
I am going to a junior college and I have a part time job not making a whole lot but about $5000 a year. It’s not much but enough. I want a student credit card with a low limit mainly to build my score and for emergency’s but many companies look at your parents history too and my parents have a bad credit history. Are they any cards that would approve me?
Technorati Tags: Parents, Poor Credit, Score
Wednesday, November 26th, 2008 at
4:44 pm
jeff s asked:
I cant understand how in the world my credit score actually fell lower than it was last month. No late payments in the past 4 years, no new credit inquiries or accounts since May (the same inquiries were on last months report), and I actually paid off a $4000 credit card. This makes no sense to me whatsoever….Can anyone explain why my score dropped?
Technorati Tags: Credit Inquiries, Late Payments, New Accounts
Wednesday, November 26th, 2008 at
3:07 pm
Most of us are familiar with the fact that we have a credit report which is maintained by a number of different credit bureaus including the big three of Equifax, Experian and TransUnion. Most people also know that the data contained in these credit reports is used to calculate your credit score, which is often referred to as your FICO score. However, understanding what your credit report score means may not be quite so easy. In simple terms your score will normally be somewhere between about 350 and 850 and the higher your score the better. With a score of more than 700 you should not generally have any problem getting credit. If however your score is below 600 you will find that a lot of lenders will decline your application automatically. A score of between 600 and 700 puts you into something of a gray area and lenders will generally look in more detail and your application before deciding whether or not to extend you a line of credit.
Technorati Tags: Credit, Credit Card, Credit Report, Credit Score
Monday, November 24th, 2008 at
12:39 pm
Lisa D asked:
I have a pretty low credit score (597) and want to begin rebuilding my credit. The score is low from charge offs about 3 years ago. Is there a certain bank or credit card that is easier on people like me that will give me a credit card? And yes–I do plan on paying on time. It would be for small simple purchases that I would otherwise buy with cash and could pay off easily each month.
Technorati Tags: Credit Card, Credit Score, Paying On Time
Monday, November 24th, 2008 at
6:46 am
Surain C asked:
There are rumours about money theft by unauthorized persons from your debit cards,credit cards and bank accounts.I am planning to do business online.Will it be safe to give my credit card, debit card and bank account number to paypal and ebay.
Technorati Tags: Bank Accounts, Money, Paypal
Saturday, November 22nd, 2008 at
5:48 am
Jim D asked:
I have paid down some balances already for some time but the changes are not appearing on my credit report. I’m not pulling up my credit however, I have alerts when my scores go up or down or if there’s inquiries etc. Do I have to ask them to report the change in balance? Why is it that when you rack up a ton of charges they report them really fast but when they’re paid off, they take forever? Is there a way to speed up the process?
Technorati Tags: Credit Report, Inquiries, Report Changes
Friday, November 21st, 2008 at
6:03 am
awill110 asked: I got my credit report today and it shows that my total credit amount is $300 and I have $296 available. After further inspection I noticed that only one credit card had reported a credit limit/max balance and that all of my credit cards hadn’t been reported since April. Is there an effective way to contact the credit card companies and get them to report accurate and up to date information to the credit bureaus? I feel that this issue is affecting my credit score, so I would like to fix this.
Thanks in advance.
Technorati Tags: Company Information, Credit Bureaus, Credit Report
Thursday, November 20th, 2008 at
3:53 pm
Carme V asked:
I just recently paid off all my past credit card debt. I paid off one student loan (expect the interest) and i have one student loan still active. I noticed my credit score went up, but i am still being denied. How long does it take to completely clear off my debt and how soon should i apply for credit so i can rebuild my credit. And do bad credit ever go away?
Technorati Tags: Credit Debt, Credit Score, How Long Does It Take To Rebuild Credit
Wednesday, November 19th, 2008 at
12:46 pm
Michael asked:
I am 20 years old and after trying to get a card for a store I find I have 0 credit history. I have never owned a credit card and want to pick a good one to start bulding credit. Does anyone know a good card to go with that has low interest? Heck if you have any credit tips it would be helpful too…Thanks!
Technorati Tags: Credit Card, Credit History, Heck
