Posts Tagged ‘credit history’
Business Line of Credit/No Personal Guarantee?
I am trying like crazy to open some lines of credit to start establishing my companies credit history, however, I really am not wanting to use my personal information/social to do this; I want everything to strictly be in my companies name. Does anyone know where I can apply to open some lines....even small lines, I just need to start [...]
How can a home mortgage lender verify an applicants provided employer actually exists?
With all of the on-line tools that appear to exist to create a ficticious business (web pages, efax, etc, etc...), how does a lender verify a small company actually exists when verifying an application for a mortgage loan. Specifically Mr Jones, indicates that he works for X small company and provides realistic looking proof of employment of [...]
Advice on my credit report?
I recently got my credit report and score to take care of my debts from when I was younger (i intend on paying the full amounts within the next 2 months) and to improve my credit score to eventually be able to have a lender extend a line of credit to me. I have done some research and this is my situation... I have an installment loan that was [...]
Will Closing low limit Credit Cards negatively effect my credit score?
Hello, I am currently in the process of credit recovery as I look into buying a condo. My credit score is currently around 690. I have 6 credit cards, with the following limits: Bank Visa-,500 opened 09/2006 -00 balance Mastercard- 0 opened 11/2007 - {content} balance (last used a few months ago) JC Penney- 0 opened 09/1997 - {content} [...]
Need small laon for 3 months?
I have a small company and our work truck died. I have a chance to replace it, but need a loan. Hard to believe but I built the business without ever establishing a credit line or much of a credit history. Now I need 3,000.00 for 3 months (3 month is a worse case scenario) quite often a single job can pay off this loan but don't want to promise [...]
Can't open savings account due to no credit?
So I've had an HSBC online savings account for a couple years now. Their interest rate dropped to 1.85 recently, and the GMAC online savings rate is at 2.50%. So I figure I'll open a GMAC account, then keep 2/3 of my money in whichever has a better rate at a given time. I went thru GMAC's online application process, then today I call them [...]
What are the monthly fees for a Bank of America unsecured credit card?
Forgot to ask, what about annual fees? Hello I’ve had a Bank of America checking and savings account for over a year. I have no credit history and I’ve been considering about getting their credit card as a way to start building some up. Is there a monthly fee attached to the account if I’ve paid off the balance owed? How much would it be?
Credit Bureau Subscription, what does it cost?
I own a small business and i would like to offer my customers a line of credit. How much would it cost for me to subscribe with one of the 3 credit bureaus? I would like to be able to access my customers credit history and post to it like any other credit card or loan. Please do not reply with "You can get a free credit check once a [...]
I have no credit history and I need an unsecured credit card without a co-signer. Any suggestions?
I have no credit history and all the credit cards that are available to me are a hoax. Most require of the credit cards atleast 0 of my own money to start the credit building process. If credit is provided there are charges that are first applied which take up most of the available credit until I pay them off. This credit building process is [...]
Bad credit?
Hi I had to go out of the US as my company got acquired by another company. This happened too fast and I had to give up my apartment and leave. I came back now after 2 months and got another apt, but in the process even though I had forwarded y mail to a friend I have lost a lot of mail. Unfortunately I had a small amt. of some 20$ on a store [...]
What is the best way to start?
I've never filled taxes, owned a credit card, or anything. I've always used cash. I want to be in good standing with these things. Seeing as i have no status with it, how do I start. I'm thinking about hiring a financial advisor and tax agent or something to start this process of building my credit history, but, i don't think i have the money [...]
What is the best way to start?
I've never filled taxes, owned a credit card, or anything. I've always used cash. I want to be in good standing with these things. Seeing as i have no status with it, how do I start. I'm thinking about hiring a financial advisor and tax agent or something to start this process of building my credit history, but, i don't think i have the money [...]
Canceling your first credit card – hurt my credit score?
I have total of 7 credit cards (I know, that's a lot). In the process of trying to pay off my balances and re-organize my finaces, I am thinking maybe I should cancel few of my credit cards after paying them off. I got my first credit card back in college (about 10 years ago), and second one the year after. Those two credit cards are my [...]
How often should I use a credit card to keep it "active"?
I'm several years into the process of repairing my credit after stupid youth + a divorce, and I have a few old cards that have insultingly high APRs. The companies refuse to negotiate (even though my credit score is more than 200 points higher these days - getting close to 700), but I don't want to close them for fear of losing too much credit [...]
how can i build my credit history?
i have no credit history. what is the fastest way to build it. I want to reach a point where i can borrow a decent amount to maybe open a business or something. How long does the process take to build credit and which companies do you recommend to help me build my credit. what are the best credit cards that give easier than others? I live in [...]
What is the best chance for a person new to credit to get approved for a card or loan?
I'm 23, not currently a student (so I can't apply for student credit), I co-own a business, I don't own a home or a car, my credit score is 704 (on Transunion), I have one store credit account with Macy's (limit 0) and one credit card which I opened with Best Buy (limit 0). Both of them are currently paid off. I opened the Macy's account in [...]
which citibank unsecured credit card can i get without a credit check?
i have come to US 7 months ago on work visa. i do not have any credit history. i want to get an unsecured credit card from citibank. which card should i apply for which will be relatively easy to get?i do not mind a low credit limit but i need an unsecured card.please advise.
Can I get an unsecured credit card if I have no credit history?
I am 18, but very responsible with money and would like to build a credit history. I do not like the fact that unsecured cards basically rip you off with the annual fee. I'd like to have a credit card from bank of america. Can I get an unsecured card there?
What is the best way to start?
I've never filled taxes, owned a credit card, or anything. I've always used cash. I want to be in good standing with these things. Seeing as i have no status with it, how do I start. I'm thinking about hiring a financial advisor and tax agent or something to start this process of building my credit history, but, i don't think i have the money [...]
Best ways to build credit with no credit and a debit card?
A credit report site is unable produce my credit history because I had no credit even though I had a debit card issued by my bank for at least two years. An almost unending stream of flow of credit card offers from Capital One, which I ignore. (I'm afraid that I would somehow misuse it in one way or another.) I seem to have bad luck in [...]
