Credit - July 2006

I have a few questions on loans. First off, what is the legal age to apply for a loan? What do banks look at? What would you realilistically have to be making to be able to afford a 80k house loan? Thanks, feel free to include more information then what I have asked, I have no idea where to start.

2006-07-23 08:04:22 · 4 answers · asked by Anonymous

I have been turned down back after back on credit cards and loans because I don't have any credit. I don't know anyone with good standing to co-sign for me.

I have recently started a savings account, but my bank doesn't have a secured credeit card, so I don't know what else to do.

How can you build credit, if you can't a loan or a rcredit card.

2006-07-23 07:24:41 · 9 answers · asked by Candi 3

im looking for a credit card to help build my credit back up. What card has the lowest intrest rate and what should i get???

2006-07-23 07:11:31 · 4 answers · asked by Brian P 1

2006-07-23 06:53:13 · 6 answers · asked by Laith Attar 2

They claim that they can improve your credit score 100-200 points in as little as 180 days. Their website seems real and I have talked face to face with real people but am skeptical. Looking for "real" people who amy have real-life experience with this company.

2006-07-23 06:24:46 · 4 answers · asked by success_n_2005 1

Just some background info: I've never had any problems with the card and have always been on good terms with them in terms of my monthly payments. Now my card is expiring and they have sent me a new card to activate but I'm thinking about not activating it so that I may get a better card with a much higher credit line and better incentives. So technically I'm not even canceling...I'm just not renewing (I guess?). Will this effect my credit at all? Thanks for your help.

2006-07-23 04:39:47 · 6 answers · asked by Majickegotrip 2

i want to get one for my 14 year old daughter

2006-07-23 04:16:52 · 13 answers · asked by softballproat3rd 2

im looking to buy prepaid card to buy some stuff online

2006-07-23 03:19:18 · 6 answers · asked by tskstorm 2

2006-07-23 01:04:28 · 17 answers · asked by mickeok 1

Ok heres the Q:

When do the credit grantors report to the major bureaus?

daily . weekly . monthly . quarterly . yearly ...

2006-07-23 00:27:09 · 3 answers · asked by Ronny 2

2006-07-22 21:03:38 · 14 answers · asked by candice p 1

For example when you're shopping around for a car the salesperson always wants to run your credit to see your score and i heard that if your credit gets screened a lot it lowers the score. is that true?

2006-07-22 20:11:21 · 11 answers · asked by *Debster* 2

Im 21 years old and my husband is living in another country and of course i have spent a lot going back and forth, well on credit cards. i have 3 of them, one is $3200, next $1100, and last $500. I work for children services, its a government agency and i love my work but I don't get paid enough, only $400 a month. When I do get paid its past the date the payments are due. So im always late or there are times I don't pay. I'm ruining my credit, what can i do so I can only have one payment for all of them and does anyone know of a fast way to get money, i really need help.

2006-07-22 18:02:10 · 3 answers · asked by thisisnicole20 2

I live in Puerto Rico, and I urgently need a credit card for emergency, but in all banks I need to be 21. Which bank is suggested. (sorry for my bad spelling)

2006-07-22 17:46:40 · 3 answers · asked by zoryenid 1

... when the balance is paid off. I'm thinking about getting a credit card to establish credit (I have NONE right now and I'm almost 21).

2006-07-22 17:44:32 · 7 answers · asked by shwin_nugin 2

Does it help or hurt your credit rating to keep credit cards with no activity?

2006-07-22 17:27:39 · 14 answers · asked by happydawg 6

2006-07-22 15:39:59 · 3 answers · asked by Anonymous

My husband and I have three credit cards. We only use one of them and we use it sparingly. My question is, is it okay for us to close the accounts for the two we don't use? Could closing the accounts hurt our credit? Thanks for your advice! (By the way, none of these cards have annual fees.)

2006-07-22 15:03:23 · 7 answers · asked by Kiki 6

2006-07-22 13:12:22 · 7 answers · asked by larry2378@sbcglobal.net 1

2006-07-22 12:35:54 · 22 answers · asked by kjobay 2

i just payed off a collection thru hollywood video lost 2 dvds it was 130.00 and they settled for 70.00 dollors and sayed that on my credit report it well say satified well it move my fico scores up or stay the same?

2006-07-22 11:25:04 · 2 answers · asked by SAD 1

2006-07-22 10:00:01 · 3 answers · asked by Dancing Danny 1

2006-07-22 08:38:15 · 3 answers · asked by Juanita B 1

My wallet was stolen, (Drivers licence, Social Security, Credit card and the like). I allready have bad credit. I immediately cancelled my credit cards. Is it possible for someone to procure a line of credit unbenowngst to me?

2006-07-22 08:30:25 · 5 answers · asked by mr amarolli 2

2006-07-22 07:48:06 · 13 answers · asked by Anonymous

there is a widow and everything passed into her name via and/or on bank accounts, vehicals and property.

2006-07-22 07:41:36 · 13 answers · asked by foxywire 1

I cancelled my (UK)credit card in March this year, having paid off all the balance. Then out of the blue a few weeks ago I received a bill for £140 on the cancelled card. This turned out to be payment for a home insurance policy with direct line which I had also cancelled (two years ago!). Direct Line have admitted fault and I am awaiting a refund. Unfortunately they cannot refund the card because it no longer 'exists' since I cut it up. So I am still waiting for a cheque. However, the issue remains with the credit card. Do they have the right to make a payment from a cancelled credit agreement, even if, originally, the premium was renewable annually? Surely if I have canclled the card they should refuse payment to any creditors who present for payment, and refer them back to the customer? Did the credit card company act illegally? Can I refuse to pay?

2006-07-22 06:40:55 · 10 answers · asked by Shona L 5

How can I bring that up I hd a chapter 13 5 years ago some judgement s late pays a repro etc.... what are the steps i might take to rebuild........

2006-07-22 05:25:45 · 7 answers · asked by Anonymous

I am on a business tour to another country. While i was out on a weekend, i lost my wallet and it had credit card, that was issued by my company. Unfortunately, i had written the password on a small piece of paper and kept in my wallet too. Although it was not so obvious that it was the pin code of the account but someone
was able to make and made a transaction of 900euros.
In this case can i get money back from the card people ?

2006-07-22 05:24:07 · 4 answers · asked by Arpana J 1

It seems that black people have terrible credit (in general). All of my black friends have credit scores in the 600's or lower. All my asian and white friends are above 700, usually 750's (except a few). Why does it seem that black people tend to neglect credit, and never repay back? is this seen as an opportunity to fast cash, without foreseeing the disaster and havoc it may wreak upon their credits?

Is it just a cultural thing, that black people percieve themselves as deprived, and therefore take advantage of $500 credit offers, only to mess up their score? Do all young black kids have to life as ghetto superstars? If your black, this is not to offend you, but im merely stating the general trends that I see. Answers from blacks, preferably young are wanted. Thanks

2006-07-22 05:09:34 · 4 answers · asked by Phillip R 4