I have a very low credit score with old delinquent accounts. I have heard paying off old accounts is pointless, and will not improve your score. Is there any way to fix credit on your own with out the use of a lawyer etc.
My credit history is a little sketchy with a few bad months of late credit card payments. I am afraid my potential having bad credit will keep myself and roommates from renting.
If I have bad recent credit history but my 3 roommates have good credit, will I ruin our chances?
Instead of fixing or repairing credit, I want to remove it. I have paid other companies lots of money but the bad credit remains.
How does bad credit come off your credit report once you have passed the 7 year deadline?
I'm young (19) and have had some credit problems: medical bills, and also bills that didn't reach me when I moved, so they were late. I'm on stable financial ground now and have heard that a credit card is a good way to repair my history- if I use it sensibly and pay it off every month. What is the best card for someone like me to get, and why?
I am planning to go to US in April. I will be in credit however have missed payments etc and have a bad credit history. Will this affect me getting a visa?
My credit score is probably 0 (yes I know that's not possible) but it's pretty bad. Say for example I want a $5,000-$6,000 car, how much would I have to put down and how much would the interest typically be?
I heard once that getting a credit card and making payments faithfully from month to month improves credit. Is this true, and if so, how can I go about doing this?
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My credit sucks, in college I had 3 cards and after I got laid off my job I had to live off of them and couldn't afford to keep up my payments on time. They all went into collections, once I got working again I paid them two of them completely, I still have one left BUT I canceled all of them, apparently that wasn't the smartest thing to do, or so I was told. I still make payments on my last card on time and I pay double the minimum payment. But since its canceled once I pay it off I can't use the card again. HOWEVER through my job I have another credit card that I earn money through commission, it's one of those cards where you always get approved but at the least $50. So I use this card here and there and make payments on time.
My question is: I noticed there's other places who can do loans but they charge high interest. With my new job I can afford to make BIG payments. I want to build my credit to an above average rating. But since NO credit card place will approve me, would it be bad to go with one of those high interest loan companies? I can make very hefty monthly payments. I know these places are bad if you are already struggling with bills,I am perfectly fine financially, but my credit still sucks.
Once again I want to build credit faster, I know time will fix it, but I don't want to have bad credit for the next three years, any words of advice?
Credit Repair