Credit - August 2006

will it bring my credit score down if I ask them to report that I am paying on it, so it will show on my credit report that I am paying on it? That's what the collections guy told me I just want to know if it's true?

2006-08-15 08:42:13 · 7 answers · asked by unique 1

So I just finished college and my credit is average. Its been pulled a few of times over the last couple of months as I've been applying for a small loan ($3000) to help build credit. I applied online at US Bank and was denied so I called in to apply with a representative who told me I would qualify no problem. I didn't. I'm not sure where to go to get a loan. Any ideas?

2006-08-15 08:17:07 · 6 answers · asked by MDHanner 1

2006-08-15 08:16:18 · 9 answers · asked by violetoviolet 1

2006-08-15 08:06:09 · 3 answers · asked by tweety_baer 1

2006-08-15 08:01:15 · 6 answers · asked by reliable 1

Ok i have had this card with them for 3 years and have never complained about the 19.80% interest but now that i have built my credit up to a score of around 750 at 22 years old i do not want a card with a rate that high so i called a month ago to simply cancel the card explaining that the interest rate was way too high for someone who has never been late on a payment. Well she said they would "review" my account and approve me for the 5.9% rate and i would receive something in the mail. Here is is still nothing in the mail i decided to call again. This time they start saying that since my account has a zero balance ( the high interest rate doesnt make me want to use it) they are unable to lower my rate. What should i do Should i keep it and just never use it to show a history with them. I don't know what to do.

2006-08-15 07:48:29 · 17 answers · asked by michael a 2

2006-08-15 07:42:34 · 10 answers · asked by reliable 1

How can I get a charge card when I don't have any credit and my husband's is moderate - upper 500's ... NO ONE will give us a credit card.

We really want to establish some credit for the future.

Any suggestions?!

2006-08-15 07:38:42 · 10 answers · asked by Natalie M 3

My husband and I are planning to buy a house and we are getting preapproved. We went through two lenders (Lending Tree and AIG). I hear that each time you run a credit report it takes out 30 points? Is that true? Why does it drop at all? Thanks in ahead for the answers! This is our first home, if it makes any difference.

2006-08-15 07:21:43 · 5 answers · asked by jade11378 3

on an old charge off account

2006-08-15 07:01:39 · 4 answers · asked by rdavidoff76 1

Should I...pay off both my credit cards a little at a time, at the same time, or pay one off, then the other? Which is better for my credit?

2006-08-15 06:29:41 · 23 answers · asked by eastgate 2

2006-08-15 06:21:05 · 10 answers · asked by Anonymous

2006-08-15 05:20:37 · 11 answers · asked by Anonymous

2006-08-15 04:59:52 · 9 answers · asked by Erika 1

There's a tuition balance on my credit and I never attended those classes. So I contacted the people who have it in collections and they said they're still waiting on the school to send them some itemized records, thus they don't have proof. So what can I do about this, because they keep giving me the run around?

2006-08-15 04:40:11 · 7 answers · asked by anthonyhill82 1

2006-08-15 04:11:11 · 20 answers · asked by Tara B 1

I am a college student and I want to build my credit so that I can apply for a car loan without my parents. I know that if I get a credit card and use that and make the monthly payments, this would build my credit but how can i be sure that this will build my credit?

2006-08-15 03:24:26 · 35 answers · asked by star 1

I am curious as to the advantages of a pre-paid credit card. Surely if I had money to put on a prepaid credit card then I wouldnt need the card? Also if I had the money to put on a card surely I would just draw the money out of the bank or pay with my bank card?

My friend was going to go for one and I couldnt think of any advantages to it.

2006-08-15 02:54:43 · 13 answers · asked by Anonymous

2006-08-15 02:44:31 · 7 answers · asked by mulmord 1

My daughter is in college and opened a low interest Citibank VISA for college students not realizing that the interest rate went up very high after 6 months. We are making more than minimum payments however I was wondering if we closed the account and contine to make the payments would this damage or lower her credit rating or credit score without the account being paid off prior to closing it?

2006-08-15 02:07:19 · 11 answers · asked by citygirl 1

before I can toss them?

Thanks.

2006-08-15 01:17:19 · 8 answers · asked by orionpkmyz 1

2006-08-15 00:59:17 · 1 answers · asked by Arun D 2

2006-08-15 00:10:28 · 5 answers · asked by Amanda B 1

2006-08-14 23:56:08 · 3 answers · asked by arunlimaye2003 1

I was stupid enough to keep a joint checking account with my ex. He used it to pay his cell bill, and I used it to cash paychecks. I went to cash my last check and found out the account is overdrawn. The last time i called him about it he said it would be taken care of and he didn't want to hear about it anymore. I told him he would hear about it until it was taken care of. Should I give him time to take care of it or should I just pay it myself even though I can't really afford it so I can get my name taken off the account? He had it changed so the statements went to him and not me trying to hide it. If I wouldn't have tried to get the check cashed I never would have known. I would like to teach him a lesson in being more responsible with his money but I can't do it w/out hurting myslef in the process. So, should I pay it?

2006-08-14 20:45:25 · 8 answers · asked by Anonymous

My grandparent and I need to move out of my parent's house soon. I'm a bit hesitant to apply for an apartment because I don't want to end up being denied...ruining my budding credit altogether. We have sufficient income that is 3 times the monthly rent combined. The only problem is the credit check. My grandparent has lived out of the country for quite some time and has no established credit. I on the other hand turned 18 a few months ago and have only started working a little less than a year ago (however, I'm still at the same job). I've checked my FICO score with Equifax and Experian and I scored 694 and a little over 700 respectively, but I'm not sure if that's accurate because I have heard that it takes up to a year to establish credit. Having my parent cosign is out of the question as well because of bad credit. There is a possibility for us to get another cosigner, but what if the apartment company doesn't allow cosigning, should I still take the risk and apply?

2006-08-14 20:22:50 · 7 answers · asked by paj 2

Many people buy expensive car simply for them to show-off,but they don't really have the need for a car. Sometimes,immitate other people by obtained a big loan to go on expensive holiday and come back to face a repossession of their property and nearly lose everything they have because of debts.Why the hell?

2006-08-14 19:54:25 · 11 answers · asked by uncle.lopez 1

Is a credit card neccessary to live in the USA? Do I really need a Credit Card to buy car, house, or have a good credit score? or even apply for a loan?

2006-08-14 19:20:31 · 5 answers · asked by Peter S 1

Do unpaid medical bills affect you credit or credit rating.... Do they show up when you want to apply for mortgage, loans, etc...

2006-08-14 19:18:19 · 12 answers · asked by JS 1

2006-08-14 18:45:29 · 13 answers · asked by Peter S 1