Posts Tagged ‘credit score’
Has anyone ever gotten a business line of credit ?
I am an owner/partner in a small business that has been running for about 7 months. we just applied for a business line of credit from Chase bank. My brother is the co-signer with a 750 credit score. I am not sure how the process works and wanted to know if anyone has ever gone through the whole application before and got approved. the lender [...]
Unsecured Credit card with No Credit?
I'd like to get a credit card but I keep getting turned down. It's because I don't have a credit score yet (I'm just starting out. I'd like to be very clear, I do not want a secured credit card. I want an unsecured one. If I can't get accepted for one, I'll just apply for a store one and build my credit that way, but does anyone know of a credit [...]
Which is better, a secured credit card or an unsecured card with excessive fees?
I am trying to repair credit. I have enough money to establish a secure credit card without impacting my budget too much. I can also qualify (barely) for an unsecured card with excessive fees (billed to my available credit upon issue). So, I guess my question is...is there any difference in credit reporting between the two options? This will [...]
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 Mastercard- 0 opened 11/2007 JC Penney- 0 opened 09/1997 Walmart- 0 opened 11/2006 Mastercard- Best Buy 0 opened [...]
Do I pay off my credit card or pay down my unsecured personal line of credit?
I have both an unsecured personal line of credit and a credit card with basically the same interest rate. My credit card utilization is at 30% while I have utilized 87% of my line of credit. If I want to improve my credit score the quickest, do I focus on paying off my credit card or focus on paying my line of credit down to 30%?
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} [...]
What is the easiest unsecured credit card to get for people with bad credit or no credit?
I wanna improve my credit and I basically have no credit..... My credit score is like below 600 and I want a unsecured credit card that doesnt charge any membership or crazy scam...... I dont care if interest is astronomical...... Provide sources and information on the reliability of issue please if possible.
How should I handle Mercedes purchase?
I have: credit score approx. 630 (high debt-to-limit on 2 credit cards and limited history is the reason for my low score; no late payments.) Good income--I can afford a car payment and still save a good amount each month. Being a young businessperson I need to improve my vehicle situation, I drive a poor vehicle now. I'm looking for a [...]
Who is the Most Trusted Unsecured Loan Credit Provider Online?
I'm looking for an unsecured personal loan to catch up on my mobile how payment and fix up my truck. Can anyone guide me to a trusted and reliable unsecured loan service. My local bank will not work with my 314 credit score!
How do I stop the filthy sexual emails that comes to my email? I am very repulsed by them. Stop this FILTH.?
I will try and copy one of them here. I tried to send a response to let them know I want them to stop but the message came back as undeliverable. News Travel Finance EntertainmentYahoo!My Yahoo!MailTutorialsMore Welcome, ernesta72002Sign OutHelp Make Y! your home pageYahoo! SearchSearch: Mail| Addresses | Calendar | Notepad [...]
Secured vs Unsecured Credit Card?
I am aware that a secured credit card will help me boost my credit score as long as a I pay on time, but if I can get qualified for an unsecured credit card, should i get one? Basically my question is, will one raise my score faster or higher than the other? Do lenders look down upon "secured" credit cards?
Where can I get an UNSECURED line of credit with my terrible credit?
I am looking to acquire a line of credit to be used as overdraft protection in the event I need it. Unfortunatly, I made some very poor decisions several years ago, and now I can't get approved for anything. I can't finance steam off a hot dog. Where can I get an unsecured line of credit for this? Nothing wildly extravagent, just maybe 1 [...]
What is the best way to purchase my condo from my friend that Im currently renting from?
For the past 18 months, Ive been renting a friend's condo for 0 a month. Now Im interested in purchasing it. It has an appraised value of approximately ,000-,000. I know he paid about ,000-,000 for it in 2007. In 2008, I settled (not bankruptcy) my credit cards and in doing so, my credit score dropped from 800 to 600. (so Im not sure about going [...]
Getting a commercial real estate loan?
My fiance and I are trying to get a commercial loan for a rental property. He has a credit score of about 680, and I have a score of 554, what are our chances of getting this loan? I have the worst score, but I make the most money.
How to settle bad debt?
I have debt that is about 4 yrs old that I would like to settle or pay off. Some are/were with collection agencies (not sure now where they are because of the age of the debt). The debts are unsecured (electric, cable, etc.) and some are secured. I also had a foreclosure of the same age. While I know that the foreclosure will still hurt my [...]
$43,000 in Credit Debt and Growing…?
I have a credit card with around ,000 worth of debt at an interest rate of 11%. I used this credit card to purchase 50% of a business as I wasn't eligible for a small business loan since I'm acquiring a successful business instead of starting one from the ground up and have zero equity so this was my only option. Now that I've committed myself [...]
First Time Car Buyer
I want to buy a car from a Ford Dealership soon. I am only 18 and have one credit card. What would be the best steps to get a good car? Some have told me they have "First Time Buyer" offers where if its your first time buying a car they don't check your credit score, but I doubt that is true. Some have told me about CREDIT UNIONS and i [...]
FHA Loan instead of Conventional Loan because of No Credit?
I am recently looking to buy a house and went down to a bank for pre-approval process. The Mortgage consultant told me that i could not qualify for conventional loan because i did not have any credit. I have been solid financially and did not have the need to get credit cards and get credit and also was going to put down 15 % for the house i was [...]
low Credit score questions (college mistakes)?
I had a few credit cards that I let go while in college, they were run up to the balance (which was about 0 each and not paid) because I was not able to pay them and didnt get help from family at the time. Of course, I really got attacked with fees, etc. So now, my credit score is very low and I am having a hard time. I didnt have a choice at [...]
Credit??? AHH??
Ok, I have tons of questions regarding my credit.. 1. I currently have a low credit score of 632...I would like to first know what is the best way to increase this score? 2. I do have an item in collection that is ,068.00 and I am in the process of paying this off... after this is paid off, does anyone know what my credit score will be after [...]
How far apart should I apply for a Credit Card?
My credit score is around 730ish sometimes higher sometimes lower. I have 14 Hard Inquiries on my credit report because I was not aware of the inquiries and how it will effect my score when trying to build my credit. I currently have 0 limit for Kays Jewel, &300 limit for a regular Credit Card and recently a 0 limit for Peir1. I recently got [...]
can my company's corporate credit score effect my personal credit score?
Because of the current economy my small business, which is incorporated is unable to make payments on its credit lines. Will it effect my personal credit score if payment are on late on a corporations Credit line?
Are there any unsecured credit cards for rebuilding credit?
I am trying to rebuild my credit, I made some poor choices when I was younger and would like to work on improving my credit score.
Is an Auto Loan the best option?
I'm in the process of recovering from declaring bankruptcy. I was discharged earlier (non-asset forfeiture) this year. My credit card debt was the only debt discharged. My lawyer and just about everyone I've talked to have advised me to get an auto loan. I've pulled my credit score and although not an impressive number but still within the [...]
How to repair my credit?
Ok I am 23. I am a first year grad student and I also have a full time job. I am trying to be responsible and plan for my future. I have a low credit score because of stupid stuff and now I am trying to build my credit and show that I am responsible. I have 3 hospital bills on my credit report which I just paid all three of them off, I have a [...]
I really need help/ advice about a couple of thing on a credit report please.?
My husband and I are in the process of buying a house and I was shocked when I seen his credit score. I don't know how we've overlooked this but here are the 2 things i found and i'm not sure what's best to do. 1) He opened a loan in November of 2005, last reported activity was in 04/2006. It still shows opened, with 120+ days back due. He [...]
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 [...]
Raise low credit score ?
i have a small business whith no credit line sometimes i have as much as 50k in ac so i use my credit cards for cash flow but they get maxed out and the when we get paid from a big job we pay them off but they get maxed out all over again.so my credit score is low and no bank will give me the time of day we've been in business for 3 years. the [...]
NO spammers! Im building a strategy too increase my fica credit rating and open credit card accts.. advice?
I work from home and own a business, now that things are growing i plan on needing a line of credit etc.. i used too have 15 credit cards, department store, jewelry, furniture/visa/mastercard etc... i closed all of them 8yrs ago. that was a mistake as now i have had some spots on my credit and i cannot get credit etc.. i have operated off of debit [...]
