Archive for September 2008

Heedie asked: I am trying to pick my credit score back up off the floor and have heard that you can do this by applying for credit cards and making the payments on them. Nice! Except, I went through a divorce and my credit is now lowsy. I pay all my bills on [...]

Sean S asked: I spent some time in jail and my credit card expired. Currently I have no checking account or active credit card. How do I get a credit report? All the sites I have seen require a valid active credit card.

jenahfah asked: I’ve had this account for about two years, and I haven’t used it in a long time, and I’m thinking of closing it but I don’t know how it would affect my credit report. This is a secure credit card, with only a $300 limit. I have two other credit cards that I [...]

jade_blu_eyes asked: My credit score is about 615. I am working on improving my score so that I can qualify for a mortgage loan with low financing in about a year or so. I currently have an auto loan, and 3 revolving credit accounts. (All bank credit cards) Two of the revolving accounts are new, [...]

Ry asked: What credit card has the highest approval rate,no annual fee and balance transfers,and low interest rate,even for someone who has no credit established,or bad credit? Know someone who wants to get started establishing her credit,and someone who wants to transfer her balance to another credit card.

ajoytalent asked: I’m sure some people might say having no credit card is best..but to build up credit you have to start somewhere!
My friends credit is ike 580 or something, and I told her i would look into it.. Thanks!

Evilish13 asked: I have good credit and im in the market for a business credit card. What company offers the best rates, offers, cash back programs ect? Please give me some ideas on programs i should look into from the major cards like, AE, Discover, MC, and Visa.

Ultimate Guitar Hero! asked: I have terrible credit!! The only card that I am able to sign up for is a pre-pay card where I basically borrow my own money. I need to establish good credit somehow any suggestions?

Seaman asked: I recently went over my credit limit by $10 and noticed that the credit card account (Cap One) was reported as delinquent on my equifax credit report? How can this happen and what are the consequences to my credit rating/score? Thanks for your response.

Doug G asked: I’ve opened a few credit cards lately, but don’t plan on using them, only for emergencies. Will just having 4 or 5 credit cars available for my use somehow hurt my credit score, or credit in general for future loans I might want?