Information to help you qualify for credit
I need a loan and some people have suggested that I look into a home equity loan because it would have lower interest rates than credit cards. The money I need is not for a home and I don’t have enough collateral for the amount I’d like to borrow. I have a good credit score [...]
Over a year ago I paid off all of my accounts that went to collections and all my credit cards. I recently purchased a new car with a co-signer and I pay more than the payment amount every month. However, my credit score is still in the 400′s! What else can I do to improve [...]
I would like to know all about home equity loans and if that would be a good choice for me. I have payed off my car loan and all my credit cards, but I have a lot of student loan debt. My problem is what to do about the student loans and how to pay [...]
I want to get a frequent flyer credit card but I already have 3 credit cards with generous limits. I don’t need these credit cards and I would like to cancel them and have this “possible credit” to go towards the new card. I heard once that canceling a credit card has a negative effect [...]
Say you are in good standing, never late. always pay the balance. but you have too many credit cards. So when you cancel that credit card, what happens to your credit score? Does the credit limit you had for that card get erased from the records after all those years of building the credit limit [...]
I received my credit report today and it shows that my total credit amount is $300 and I have $296 available. After further inspection I noticed that only one credit card had reported a credit limit/max balance and that all of my credit cards hadn’t been reported for the past three months. Is there an [...]
I just finished college, and work full time. I have a debit card, and building good credit from paying off loans. A lot of people have been telling me to get a credit card, but I wonder if it really is necessary. Please give me some good reasons to get a credit card other than [...]
I have two credit cards, but I would like to get one final one. I’ve been getting turned down for a few recently that I thought sounded good. What are some good cards and websites where I can get a credit card that almost every gets approved for? I’m young(21) and trying to establish some [...]
I always thought at 18 they love to give you credit cards, I’ve tried Capitol One, Chase, a QT credit card, and a Best Buy one. All deny due to no credit history. I obviously can’t get Credit history if they won’t let me have credit. I Work 2 jobs and just want to have [...]
I’m getting a credit card soon and I don’t know anything about them. Please tell me all you know about credit cards, how they work, which ones you think are the best, your experiences. I’m really nervous about it. Related Credit Issues
I have 2 credit cards on my credit report that I’ve never used. I’ve heard that the less credit you have available the higher your score will be (less cards/credit to max out on). But I’ve also heard that if you close accounts it lowers your score. Should I close them? Related Credit Issues Which [...]
How much will my credit score increase if I were to pay off 50% of my credit cards within a 2 month time frame? My current credit score is 568 and I’m hoping to increase it to 700 I’m planning on getting a car by the summer and I want a great credit score… Related [...]
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