December 11th, 2009 at 08:55am Under Credit
I’m a college student with no credit but I want to get a credit card. What are some of the best credit cards for students? I’m planning to make small purchases and paying them off the next month to build credit. What other ways can I build my credit?
By admin 9 comments
December 10th, 2009 at 01:00pm Under Credit
My wife has no income or credit history. She received a credit card application in the mail. The application does not require me to put in any of my personal information but it does ask to state household income.
If she gets into trouble with her card, will it affect my credit or will the damage be limited to her credit score?
By admin 3 comments
December 8th, 2009 at 08:57pm Under Credit
My current credit score is 745 and I’ve built it solely by using credit cards and paying on time (but never had any loans). Somebody told me that the abscence of installement-paid loan will prevent my score from climbing much higher. Is it true? Should I take some consumer loan to boost my credit score since I am planning to apply for a mortgage in the near future?
By admin 2 comments
December 5th, 2009 at 12:56pm Under Credit
I have two credit cards both have membership services. Both report to all three credit agencies. And both offer the service of credit watch, with score watch. Why do the scores not match, I understand the the three reporting credit agencies will be different, but shouldn’t the info reported be consistant from one wedsite to another. If yes how reliabel are anyone scores who really can give a real reported score. I also understand that the FICO system is only used by Equifax, what are that two other systems?
By admin 2 comments
December 4th, 2009 at 06:00am Under Home Business
I’m starting a home business; what do I need to do to go about establishing personal credit. I currently have no credit history and therefore have not been approved for any lines of credit, inclluding gas cards. What would I need to present to a financial institution to try to begin to establish some positive credit history?
By admin 2 comments
December 3rd, 2009 at 08:56pm Under Credit
I have decent credit but I had cancelled all my cards when trying to get out of debt. I am now free of all unsecured debt but I need to have a card so in the future I won’t be hurt by having no credit.
I’m thinking I want a card with no annual fee and a low APR. The card would only be used very occassionally and paid off immediately. I have no desire to repeat previous mistakes.
Does anyone have any recommendations for a good card for this purpose?
By admin 12 comments
December 2nd, 2009 at 04:54am Under Credit
I’m young with no credit and no checking account. I’ve been looking online and have only come across debit cards or credit cards that require a checking account. Where and how can I get a CREDIT CARD w/ no credit and no checking account?
By admin 5 comments
November 30th, 2009 at 12:57pm Under Credit
I live in the State of Georgia and am being sued over an old credit card that I defaulted on. It has been more than 4 years but less than 6 years since the date of default, so depending on whether credit card debt is considered an open account or a written contract in the State of Georgia, the Statute of Limitations may or may not apply. The Staute of Limitations is 4 years for open accounts and 6 years for written contracts. Does anyone know for certain which type applies for credit card debt in Georgia? The account is with Citibank MasterCard and was opened in the late 80′s or early 90′s. Thanks.
By admin 3 comments
November 29th, 2009 at 04:54pm Under Credit
I recently started an LLC and would like to start establishing my business credit. What are some good first credit cards to get that will help me establish my business credit? Most I’ve seen want my personal credit as a co-signer for my business, but I would prefer to stay away from that. I mean, what was the point of forming an LLC if my personal credit was going to be taken into account for everything, right?
By admin 3 comments
November 27th, 2009 at 05:01am Under Credit
They typically run .99 per $100 and the deal (supposedly) is that if after 90 days of coverage, the cardholder croaks, that they credit card amount owed is forgiven. In the case of elderly people in not the best of health and with large credit card debt ($5000+) is this a good idea?
You’d basically be paying $500 a year and betting that you’re going to be keeping a high credit card balance and that you’d be likely to croak relatively soon.
By admin 5 comments