What happens to your credit score if you pay off all your debt and never get another credit card?
I have a tremendous amount of bad debt. Almost 2000 dollars. If I were to pay it all off, would it raise my score or just keep it from getting lower? I have no intention of EVER having another credit card. My credit score is in the low 500s. What will happen if I pay off all debt and do nothing to raise my score?
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Which credit card is the easiest to get?
Which credit card is almost guaranteed to accept 1st time applicants? I am a student who has no credit. I would like to start with the easiest companies to deal with for 1st timers.
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I need help fixing my credit but I don’t know where to start.
Here’s my situation: I have about 10k in debt and really bad credit. About 90% of my debt is medical bills that I could not help because I didn’t have insurance. The rest is unpaid cell phone bills, utility bills and a credit card that is wriiten off as “bad debt”. I’m only 23 and I want to fix this so I can buy a car, a home, and start buliding my credit again. If I just start paying them off with what I can afford (that would only be about $200 a month) this would take years to pay off. I’m also getting married next year with no one to help pay for the wedding and everything. My fiancee’s credit is just as bad as mine, so he can’t help. What is the best thing for me to do so I can at least buy a home in the near future? I don’t want to be in my 30′s and still living paycheck to paycheck. I’ve heard of debt consolidation loans, but if you need decent credit to get a loan, how could I get one? I know there are alot of scams that would take advantage of a person in my situation so I want to find a reputable company to work with.
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Is a credit history required to get a store credit card?
I don’t have any credit history because I just started working. I would like to start building my credit history and I thought a store credit card would be easier to get than a regular credit card. So I was wondering, do I need to have past credit history to get a regular Walmart Credit Card (not their Discover Card because I probably wouldn’t qualify). If you have any idea, please help. Thanks.
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Free credit report without using a credit card
I would like to get my credit report but all the sites I have found ask for a credit card even though they claim that it’s free. I no longer have a credit card. Is there a way for me to get my credit report without using a credit card?
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What credit card can I get at 18 and not a college student?
I always thought that lenders love to give credit cards at 18, but I’ve tried Capitol One, Chase, a QT credit card, and a Best Buy one. All of them denied me because of no credit history. Obviously, I won’t be able to get a credit history if they won’t let me have credit. I Work two jobs and I want to have a credit card just in case and to build my credit. Why do I keep getting denied?
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What credit report does credit card companies see?
When I activated my credit card they asked me to verify the make and model of my car. How do they know, it’s a different company? My credit report doesn’t say what kind of car I have. How can I see the credit report they see that has this information?
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Will lowering your credit limit also lower your credit score?
I only have one credit card, and I have a very high credit score. Because of my good score, the credit card company keeps increasing my line of credit even though I don’t ask for it or use it. I have been told that if you ask for a credit line decrease it will lower your credit score. Why is that? What can you do to minimize a lowered credit score?
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Credit report without a credit card
OK, I’ve never really understood the whole credit thing and I don’t know if I have bad credit or no credit…but, I can’t seem to get a credit card from anywhere to even build credit? Where is the best place to check out my credit report safely and help me understand in laymen’s terms about everything?
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Can debt consolidation reduce interest charges?
I have two credit cards that I have used over 5 years ago and never paid back. The total of the two cards FIVE YEARS AGO was $1000. Of course, by now, it should be close to $3000 because of all the interests.
What does debt consolidation do? More importantly, can it REALLY remove or reduce the interest that built up over the last 5 years?
When doing a search for debt consolidation services, I get THOUSANDS of results. Which debt consolidation services are better?
Detailed answers would be appreciated.
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Which credit card should I apply for, Bank of America or Citi Bank?
I have a credit score of 700 and I want another credit card. I was thinking about citi bank or bank of america. Which one should I get? I only have one other credit card from Wamu. I want a credit card that will report to the 3 credit bureaus every month. Anyone who has either of these cards, which one did you like and why?
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I need advice for a good debt consolidation service.
I have a few credit card that are past due and I’m not able to make the payments.
What is the best debt consolidation company to use?
Keep in mind, I’m not a home owner.
I’m not a student and actually I’m looking for a better answer than the obvious budget and make more money.
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How do I build my credit so I can get a credit card when I can’t get a credit card until I get some credit history?
I tried applying for a kohl’s and a victoria’s secret credit card today and I was declined because I have no credit score. I allready have a debit card but that wasn’t good enough. It’s a vicious circle. You have to have credit to get a card but you can’t get a card without having credit. Please Help!
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Can I Get A Credit Card For One TIme Use Only …?
I Want To Get A Credit Card To Buy A Macbook Pro for 1,196 And Pay It Within 12 Months Without Interest. After I finish paying For It Before The 12 Months, Can I Cancel The Credit Card Or Something? Or Lets Say I Stay With The Credit Card And Don’t Use It At All, Would They Charge Me Anything???
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What do I need to do to get a student credit card?
What do I need to get one, and how long does it take to get one?
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The Attorneys Guide To Credit Repair
The most effective credit repair methods available today! Learn how to remove judgments, liens, charge-offs, slow-pays and even bankruptcy from your credit report.
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