Archive for February 2009

j j asked: When you check your credit score or report it shows that you have so much debt and then it shows available credit you have left if you were to get like a car loan or school loan. So how does a home loan fit into that. Do they go by that available [...]

Christy K asked: I have no credit and I am having a hard time getting approved becuase of it. Just wondering what kind of credit card I could get approved for that isnt ripping me off with fees.

Anna L asked: I need to rebuild my credit really really bad iv paid off most all the negative things on it but it didn’t help my score out any. I need to get a line of credit or something to rebuild my credit I need help or suggestions. Are there any good credit cards [...]

traveler#305 asked: I remember reading about a woman who had her limit on a card lowered only because she spent a lot (under her limit) in a certain amount of time. If I am planning on maxing out my cards ( with the understanding I will kill any potential credit), how can I avoid [...]

tjoman asked: I’m married and have a car that was paid for in full, no mortgage (we rent), and I stay at home with our son. My husband has credit, although there are more negative items on his reports than positive ones. I have tried to apply for store credit cards (Kohl’s, JC Penny, etc) [...]

shaan asked: I am an H1B holder and I am in this country for 2-3 months. But I didnt a way to make credit reports yet. Could somebody advice me how to make credit reports to my account?

rkwarner_warner asked: I’m looking to rebuild my credit, and a credit card seems to be the most popular way to get it done. I have had bad credit, and am now told that it is up to zero. What kind of card can I get, or can I even get one?

MMC asked: I am pretty new to the United States. My husband lives here and he has a good credit history. We bought a new car lately and my name is added to it so as to build up a credit history for me. How long does it take to build a credit history? The [...]

daveysgirl126 asked: I recently paid my credit card bill of $2.27, however the credit card company entered the payment as $227.00, causing $50 in overdraft fees at my bank. The credit card company had me fax over a statement with the bank fees on it so they can take care of it, however after 3 [...]

CutieTM asked: I have been told that to make my credit score higher, I need to reduce my credit card debt to 40% of the limit of the card. I was told that the card debt only begins hurting you when you go above that 40% of the limit of the card.
I [...]