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?
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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?
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'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've never had a credit card before, but have been told if i establish good credit with a card company it will begin to repair my bad credit.my bank declined to give me their in-house visa. are there any companies willing to help me?
I have a terrible credit score. I owe money to 3 companies, but 2 of them are not even in existence anymore. The last is an old credit card bill. Now, I realize i need to pay these things off to help with my credit. After I do that though, how do I get my credit up? Obviously I'm not going to be able to get a credit card, so how else can I quickly start to repair my credit?
Short of the obvious,is anyone fimiluar with working with a specific "bad credit" repair company. I have been told they can pretty much wipe your credit clean and find that very hard to believe. I have tax leins and a discharged bankruptcy on my report and was told they can wipe that out.Very doubtful i believe, and dont want to just start throwing money out to these people with no results. Can anyone reccommend the best and safest solution in repairing my history and what actually can be removed?
I have had some credit problems in the past and have been workin VERY hard to get things straight. I have been paying all of my bills on time for at least the last 3 years. My credit has not improved. Also, my student loans just came out of defferment and I had moved so I was unaware that they were due. Now they have been reported late on my credit report. I have caught up with the loans. I would like to refinance my home in about a year. What more can I do to improve my credit and how bad will the recent negative affect me?
I'm in college, with an average job.
Credit Repair