La Sona J asked:


I have alot of derogatory items on my credit that I actually need to take care of. I have opened some new credit card accounts since I have never had credit cards before. What is the best way to improve my score so that I am not such a high risk?

Iamready! asked:


If your wanting to show that your responsible with your credit cards to the credit bureaus and that your are someone that other credit card companies, loan people, and any other lenders want to have as a client. Thanks!!!!

Bear E asked:


I would like to settle a few closed credit accounts that have been charged off and bought out by debt collectors. The collection agency is offering me a discounted rate to pay off this account. If I choose this option, will my credit report eventually show this account closed and paid off, as stated by the agency?

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 out there for people like me that will grantee sure i can get approved?

tabulator32 asked:


What is the best website for subscribing and getting updates to my credit as I strive to improve my credit rating.

I know there are a lot of them out there. I just want a relatively inexpensive one that shows me my credit rating.

Thanks!

Diane L asked:


I am paying off bills and I closed all of my card accounts. What is a good, easy and cheap card to reopen my credit with? My credit is not good.

David asked:


I want to learn about all the factors considered when a credit agency determines your credit score. I do not have any credit and would like to establish some credit. I do not have any bad credit either. I have already tried applying for a credit card, dell computer card, sams card, and have not been approved for anything.
I do not have any bills that are under my name. I was told by someone to go get a tv or something with no money down, but I do not need any of that. I also do not want to go get a loan and end up paying interest for no reason. I have seen several websites which give some info about this, but not enough. Can anyone give me any suggestions or recommend a book?

SMH asked:


I talking about excellent credit with atleast five years of credit history, no blemishes what soever, and someone with a high credit rating. I am just kind of wondering what kind of offers does good credit get you, especially compared to people with bad credit? What kind of APR can you get with bad credit, overdue accounts in the history, poor credit, and a short credit history?
I am just curious as to how much of an advantage is it to have a good credit history?

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.

onlyinurdreams85 asked:


I no longer have a credit card and every site I go to asks me to purchase my credit report. Is there anyway that I can get my report without using a credit card?