Credit

Julie M: How can I build my credit while paying off my debts? I am currently paying off my debts but I don't have any open loans or credit cards or anything on my credit report. What is the best way to rebuild my credit as I'm repairing it. I have a horrible credit score so I don't know what to do. Answers and Views: Answer by bdancer222If … [Read more...] about How can you build your credit while paying off your debts?

MadameJazzy: Still "owe on a credit card" around 0 but credit report says zero? I had a credit card 2 yrs ago & it was the one reason why my credit score went from a 540 to a 650 in about 11 months. I paid on time and more than the minimum balance. They increased my credit limit but then my husband & I moved to TX for his job and I had … [Read more...] about Still “owe on a credit card” around $750 but credit report says zero?

Mooch: Can you spot the "catch" in this car dealer's sales pitch? My sister is tempted to take advantage of the one car dealer's (local Chevrolet dealer) current promotion which states according to the commercial: "Do you have five years on the job?" "Do you make $ 300/week?" "Do you have $ 199 down?" "The you are approved regardless of your … [Read more...] about Can you spot the “catch” in this car dealer’s sales pitch?

erin: How do I do a credit check if I've never had a credit card...? I'm getting my first apartment this summer. How do I get a credit check? I only have a debit card, and applied for a bunch of credit cards ... but no luck, due to "insufficient credit history." What do I do? Answers and Views: Answer by Dan Hwww.annualcreditreport.com for … [Read more...] about How do I do a credit check if I’ve never had a credit card…?

Ant: Wachovia college credit card? I have limited credit history. Last week I applied for a college credit card with Wachovia and I got denied because I had "insufficient credit history". If I reapplied but this time checked the box for a "co-applicant", would I be able to get the credit card this time? A co-applicant is a co-signer that would pay … [Read more...] about Wachovia college credit card?

raiterio p: What is credit, and how do I get it? Everytime I apply for a credit card, I get turned down. I get a response saying, "insuffient credit history". Does that mean I have no credit, or bad credit? Answers and Views: Answer by Chris Hwell it sounds like you have no credit. in that case i would go to your bank and get a 500 dollar … [Read more...] about What is credit, and how do I get it?

CaliGirl: Does it affect your credit score to close an account while still owing money on it? I joined a DMP (debt management program) they are a great team and i am making a difference in lowering my debt little by little. However, i noticed on my credit report a couple days ago that many of those accounts that i have on the DMP are still "open". … [Read more...] about Does it affect your credit score to close an account while still owing money on it?