Brian asked:


Right now, I have two main credit cards. One has a 7500 credit limit and the other has a 6000 credit limit. The balances on these are 7800 and 6700 respectfully. They are way over the limit and I want to get them down quickly. Should I put all my efforts into one of them or split it up between the both of them? Also, both interest rates are about the same.

CARINA G asked:


I have some credit cards opened and I don’t want the banks start freezing them. I use them but I pay them in time. The only problem was with my mortage that, in order for my lender to help me, I must be late, but I am not yet.

coolking32 asked:


I just got my first Credit card with a $500 limit…How do i get my credit limit higher, and whats the best way to get my credit score up higher.

tdre4000 asked:

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One of the reasons that people do not apply for the loans they need is because the loan application process is so in depth. You spend hours, if not days, finding all the information you need, then you spend just as long filling out all the paperwork. That does not have to be the case with newer loans. There actually are loans for which you can apply online or even over the phone. You do not  need any paperwork. The best thing is that the approval process is so fast that you will have your money in no time.

When you are able to do a loan application online, it means that you can do it on your own time. You can do it at your own convenience so you are more likely to actually apply. You do not have to drive to an office during rush hour and then miss half a day’s work because it took so long to fill out. You actually can do the entire thing in the comfort of your own home from your computer. All you need to have is Internet access. Because you can do the application on your own time, you will be able to get the money when you need it. You will not have to wait for an office to have an opening.

If you do not have steady access to the Internet, you also do a loan application over the phone. A loan representative will be able to walk you through the entire process quickly so you can be approved for your loan in no time. If paperwork was the one thing that got in your way of obtaining a loan, that does not have to be the case anymore. If you have any questions as to whether you qualify or even about the loan itself, a representative will answer all your questions right over the phone. There is no need to make an appointment just for one question answered.

Because people’s lives are getting so busy these days, lenders realize they need to make the loan application process more convenient for them. This is why you have the option of applying in person, online or over the phone. Whatever works best for you is what you can do. You will be getting the same loan regardless of how you apply.



By: Title Loans

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Calista asked:


I just figure the more credit the better. Does a higher credit limit increase your credit score? I don’t plan on ever using all of it, but I want it to be available to me.

And if my credit limit is higher, doesn’t it make the amount I owe seem smaller, so my credit score will increase right?

QNA asked:


I’ve read that if you have old debts that you are finally able to pay off, you should call / write to the credit card issuer and ask them to remove negative items from your credit report in exchange for having the debt paid off.

Can someone please tell me how exactly I can do this? Would anyone happen to have a sample letter for this purpose?

Does this actually work???

Thanks in advance!
Addendum: The account is current, and payments have been on time for the last couple of years. The were just 2 or 3 late payments back in 2004.

Preet G asked:


I am having a american express business credit card with my employer as a primary card holder, for the last six months. I use this credit card for the official purpose only. So my question is, am I making a credit history or not.

LadyCatherine asked:


Most of the mortgage companys I have tryed will not give me a mortgage because I have a credit score under 400. They say they will not help anyone with out having a credit score over 500.

I have a fourclouser on my credit and a really old credit card bill that I refuse to pay. Other then that every thing else on my credit report has been paid. Some late some on time.

I have tryed every mortgage company on line and the bank in my town.

I DO NOT want to get a credit card to ‘fix’ my credit history. I have had those and I do not do well with them. Or a store card either. Or a gas card.

I think things will stay on my credit report for up to ten years but I would like to know if there is a mortgage out there that will give me a mortgage now. Yes I have thought about rent.
Adam.. What is a a self certify, tracker based mortgage ?
ok OPEN:
Why jump all over me. I was just asking for help. I DO NOT THINK I KNOW IT ALL.

YES I have had a credit card and I have come to learn that I do NOT need one. I have a debit card Visa card and that is ALL i need.

How can I fix my credit with out findone someone to help me out. Things happen, I am NOT the only one that has gotten in this postion.
I want to respond to why I refuse to pay off the credit card that is on my credit report. I had a credit limit of 300$ It got up that high and I decided that I did not need it any more so I canceled it.

Come to find out a few months of ‘paying’ on it to pay it off the credit card co. was still charging ‘finance fees’ to it. after talking to them they informed me they could not completly cancel it untill it was at 0.

I told them the reason I canceled it was cause I could not affored it. To add charges to it would not help me pay it off.

I have spoke to other credit card co and have been told they can stop charging to it it they want.

The credit card bill has gone from 350$ to over 15 hundred dollars.

Pride or not I find this unprofessional and rude and that is why I refuse to pay it.

If they would agree I would pay the original 350$ if they would take off the rest of the ‘Charges’

MsBurgundy asked:


There were no fraudulent charges made, but I changed the number proactively. The credit card company closed the current account and opened a new one for me, and transferred the existing charges. I wonder if it looks like a “new” account, even though the history goes back several years. Does this affect a credit score?