Archive for August, 2009
I’m looking for an UNSECURED credit card – one that will start me off with at least a little bit of available credit no matter how high the interest rates are.
I already have the Orchard Bank card and the HSBC one too. I received a First Premier Bank card application and it says that I will have $72 available credit on it if I’m approved for the minimum credit limit of $250. Just wondering if there are any better unsecured credit cards out there than these?
You are already on the road to establishing good credit. Keep paying on time and keeping your balance low. Time is on your side and your credit score will go up. Soon you will be offered better deals with higher limits and lower interest rates. I wouldn’t go for the First Premier Card. It sounds like with a bit more history, 6 months maybe, you might be offered a no fee card.
Where can I apply for a credit card online and get credit decision instanly?
Yes, there are instant approval credit cards available for those with good credit or bad credit. With instant approval credit cards, you can apply online and receive notice of your acceptance or denial within seconds after filling out an online application for an instant approval credit card. Certain circumstances do occasionally arise in which more time will be needed to determine if you are approved or not. To learn more or apply for an instant approval credit card, go here: http://www.creditcardxpo.com/instant_approval.asp
I have low score (615) and want to consolidate by credit cards. I have now home so I have no collateral. How do I get a personal loan? (Just enoungh to pay off my debts). How do I get a decent rate?
First, don’t just go around applying for loans at every bank around. Every time you apply for credit, the lender pulls your credit report to see whether they’ll approve you or not. This is called an inquiry. Having a lot of inquiries on your credit report makes you look like even more of a risk.
Second, do not go to one of those payday loan places. They charge outrageous interest rates and if you can’t pay your loan back on time, it can get you into even more credit trouble than you started with.
With a low credit score, it’s likely that a bank won’t approve you for a loan so applying will just make your rating worse. You have a few other options:
Try borrowing from family and/or friends. If you can’t get the full amount from one person, maybe a few people can loan you partial amounts. Be sure to make a written agreement that says how you’ll pay them back, whether you’ll pay interest, etc.
Sell something or things you don’t need. Have a garage sale. Put things up for sale on craigslist where there are no fees. Try selling things on ebay if you don’t mind the fees they charge.
Finally, try a site called Prosper. It’s a network of people loaning people money. They will pull your credit report too, but you have a better chance on that site than you do with a bank. Good luck!
-NO DEBIT/PREPAID CARD
-REASONABLE RATES
-REASONABLE FEES
Capital One and Orchard Bank are easier cards to get.
are there any places out there that can help me with a 12,000 loan? i would just rather have one payment than 4 or 5. i can handle the payments im trying to make it easier because i keep forgetting the 2 until the last minute? anyone know of any that will do it with a 600 credit score?
Have seen lots of people asking info on bad credits. Well, if you need to get your problem solved on<!–bad credit, you must know to how to confront it. Of course, Even if you have bad credit, you can get loans. Many factors can contribute to someone getting a "bad credit" rating, among these are non-payment of an account or late payments over an extended length of time. Take a look on the website which provides details on getting loans.
http://badcredits.awardspace.com/
You may find want you want. You can easily be labelled as a bad credit risk by financial companies. This can make it more difficult to–>arrange loans or other finance, and usually means you will pay more interest on any loan you take out.
My best friend 2 years ago filed for bankruptcy. She was forced to close all her accts. She had delinquincies in her report. She got a credit card for bad people with a low revolving line. In 2 years she has 4 credit cards and a good credit score. I have an unsecured credit card with a $300 limit (not even close to being maxed out) and another card on a debt management program. For 3 years I have paid more than the minimum on each card (the $300 card and paid MORE than what debt mgmt. co negotiated) I have always paid before the due date. I have a school loan that I pay on time all the time and never missed a payment. Her credit score is EXPONENTIALLY higher than mine while mine has staid in the high 500’s for a long time. AND when I just applied for a store credit card I got denied. I asked if my $300 limit card could be raised to $500 – and was denied. My 3 credit reports from last week don’t show anything out of the ordinary. I cant figure out why I was denied credit.
if you find yourself stuck between a "rock and a hard place" in regards to your credit, there are many things you can do to build a solid credit record. Many of these things are similar to what you could do if you had bad credit.
If you have lived in the same home for at least a year and held a job for the same period of time, you may qualify for small lines of credit with department stores and other businesses within your local community. Make sure these businesses report your account information with the three national credit bureaus or you will be wasting your time using their cards to build your credit.
The interest rates on many store cards may be higher than a typical credit card, so make sure to keep only a small balance on any of these cards you may have. It’s often a good idea to avoid paying off your entire balance so you can build a repayment history for your fledgling credit report. As long as you don’t max out your cards and make your required minimum monthly payments you’ll be fine.
Another way to build credit is to take out a small loan from a local credit union or bank where you are a member. If you can avoid it, don’t use the proceeds of the loan except to repay the debt. You will pay a small fee in interest but that’s often a small price to pay for building your credit.
Once you’ve established a credit record and creditors can see you have no problems paying off your debt you may start receiving offers from major credit card companies. You could start getting all sorts of mail from Discover, Visa, MasterCard and even American Express.
Be careful about applying for too many lines of credit. Most lenders will check your credit history when you apply for credit and each inquiry is noted on your credit report for at least six months. Too many inquiries are a red flag to creditors that you may be financially unstable. Your best bet would be to apply for no more than one line of credit every six months. Read more about it at: http://www.credit-card-gallery.com/article/43,Many_Credit_Repair_Techniques_Can_be_Used_to_Build_Credit
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Most debt consolidation companies do nothing better than simply ruin your fico score in order to settle your debt. If you really want to work with an agency that will help you reduce your debt, contact a company member of “CONSUMER CREDIT COUNSELING SERVICES” (CCCS)
More info at:
sccrealestateuncensored.com/2008/repair-credit-legally-remove-negative-accounts/
micasamidinero.com/2008/reparo-credito-eliminando-legalmente-cuentas-negativas/
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