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Immediate credit card care service
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Displaying 530 to 540 (of 1760 questions) |
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User Name:
Dave |
Date:
February 5, 2007, 4:54 am |
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I need to pay off my car loan and others small loans, I need a total amount of $16000. Is it better to get a loan or open a new credit card 0APR for 15 months? any other ideas?
what is the best credit card in term of low APR? |
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Answer:
To help yourself, apply for the credit card online by filling out a secure online application. You can choose |
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User Name:
megean |
Date:
February 5, 2007, 3:21 pm |
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if i am late with my payments how does that rank my credit scoring?
How bad will it affect my credit if most of my credit card payments arrive late- |
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Answer:
For credit institutions you score is an efficient way to predict how risky a customer you will be. If your credit score is low, it indicates that you are more likely to make late payments, which, to tell the truth, is considered to be one of the worst things you could do to your scores. In turn, this means that the creditor is more likely to lose their investment by lending you money.
Much depends on how late your payments are made:
30 days late – This record will damage your credit scores only when it is reported as "currently 30 days late". The exception is if you are 30 days late often. Otherwise, a 30-day late payment will not cause lasting damage.
60 days late – This record will also damage your credit scores when it is reported as "currently 60 days late". Again, the exception is if you are 60 days late often. Otherwise, it will not cause long term damage.
90 days late – This record will damage your credit scores significantly for up to 7 years. It doesn’t make a difference whether or not your account is currently 90 days late. By showing that you have already done so means that you are more likely to do it again compared to someone who has never been 90 days late. As such, your credit scores will drop.
120+ days late – Late payment reporting beyond the initial 90 day missed payment does not cause additional credit score damage directly. However, there is an indirect impact to your scores. At this point, your debt is usually "charged off" or sold to a 3rd party collection agency. Both of these occurrences are reported on your credit files and will lower your credit scores further. |
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User Name:
mohd rafique ansari |
Date:
February 5, 2007, 7:15 pm |
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how i can apply credit card |
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Answer:
If you want to apply online for a credit card, you should first get your credit report to be aware of your credit score. Then look through credit cards, available for your credit score, and choose one or several of them, fitting your needs, requirements and spending habits. After that click the link "Apply Now" by the card you've chosen to be redirected to the page with the appropriate application form. Fill it out, and wait for the bank credit card approval approval.
It can be either instant or sent to you by mail in up to 7-10 business days. |
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User Name:
Michelle |
Date:
February 5, 2007, 7:49 pm |
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I have had a car loan for 2 years and have paid every payment on time. I have 10 credit cards, all gotten when I had very bad credit and have paid them all on time with the exception of 1 that was 30 days late as I lost my job but all others were paid on time. My question is this, how long does it take for your credit rating to increase? It seems to go up but very very very slow. I also have collection companies that obviously bought or took over the balances I had on credit cards I had back in college like 15 years ago and they are still on my credit report, aren't they supposed to remove bad credit after 7 years? I mean if they are allowed to do that I will never have good history? Please advise. |
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Answer:
Your credit score is determined by several factors: payment history - 35%, amounts owed - 30%, length of credit history; 15%, new credit - 10%, and types of credit used - 10%. Thus, the most important factor is paying your bills timely. The number of delinquent accounts and the length of time the account went unpaid also factor into the calculation. Regretfully, negative information can remain on your credit report for seven years, and this information will be calculated into your score as long as it appears on your credit report. To improve your credit score, follow some instructions. Monitor your credit report regularly, pay your bills on time, avoid multiple applications, ask your lender what credit scoring model it uses and be aware of ongoing interest rates and other credit terms. Obtain your credit report and credit score from nationwide credit bureaus and apply for a credit card you're likely to get! |
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User Name:
crystena |
Date:
February 5, 2007, 8:06 pm |
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I only have one fico score from Equifax, Transunion and Experian have no scores for me. How do I get scores with the other bureaus? |
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Answer:
The bureau may have different information about your credit history which means your credit score can vary from bureau to bureau. So it is important to view reports from all three. There are a lot of third-party credit score providers that go through one of the above agencies to obtain your credit score. I wouldn't advise you to trust such websites. Apart from the risk of having your identity stolen, there is also a risk of finding yourself signed up for junk email if you go through some arbitrary credit score information provider. If you insist on using such websites, make sure you comb through the privacy statements and opt out of any optional services that they may stick to your application. The only exception to this rule is AnnualCreditReport.com on which you can get a credit score for $7,95 with your once-a-year free credit report from each raring credit agency. I would like to draw your attention to the fact that Experian does not offer FICO scores through its website. So don't just rush into buying any score that first comes to your attention. Between the three rating agencies, you can get 6 different credit scores (3 different FICO scores for 3 agencies, TransUnion score, Experian plus score). |
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User Name:
amanda samples |
Date:
February 5, 2007, 8:11 pm |
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i've just turned 18 i want to know how i can get my credit started so i can buy me a house in the next year. ive been at my job for a year working 35 to 40 hours a week. how credit card is a good one to start with that might approve me? please help. how long does it take to get your credit started and built up before u can buy a home? |
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Answer:
As you are young and have no credit, you should get ready for starting your credit and know the basic rules for that. Now you can apply for a secured credit card or a credit card with a co-signer to start the score. After you pay your first credit card accurately, you can be eligible for an unsecured credit card for bad credit. The amounts you will be given with the started credit will be no less than $ 500, but not very much as the maximum. So, imagine: you can have max 6 cards concurrently and depending on the amounts you will pay and credit card types and the way you will pay them off, your credit score will grow, but you can hardly accumulate enough points for good credit within a year. So, a credit limit enough for buying a house will be unavailable for you. A way out can probably be a co-signer, but you shouldn't be so sure you will be able to make such big a purchase. Concentrate on building your credit.
Best,
Manager of Immediate Credit Card Care Service |
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User Name:
gloria m meeker |
Date:
February 6, 2007, 2:04 am |
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as of 12/31/05 I had 41,429 points for elite rewadrs from a visa card issued by mbna. How do I get to use these points.
gloria meeker |
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Answer:
As far as we're concerned, MBNA and Bank of America have merged. Generally speaking, most of Visa credit cards from Bank of America do offer rewards points. It's not very clear what Visa card you have exactly, therefore we can't say how you get to use your reward points. Usually point rewards card ensure redeeming your points for some bonuses. To be more precise, you can redeem your points for airline miles, gift certificates, movie or concert tickets, etc. Feel free to contact your credit card issuer to specify how you can get to use your points. Find toll-free phone-number at the back of your credit card and contact customer service to solve any problem! |
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User Name:
natalya teperman |
Date:
February 6, 2007, 2:26 am |
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how can i fix my credit score? |
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Answer:
Usually in case of simple errors in your report, you can fix it fairly easily. Sometimes it can take you a few months. First it’s necessary to get your credit reports from the credit agencies. Look them through on the subject of incorrect, out-of-date or misleading items (mistakes in your name, address, phone number, Social Security Number, and for missing or outdated employment information). If you find any mistakes, write to the creditor who filed the negative information, as well as to the credit agencies. You have the legal right to dispute any piece of information with a credit bureau. Disputes can be submitted online at the credit bureau’s site or simply sent via postal mail. The credit bureau then has 30 calendar days to investigate the item(s). when you are satisfied with your reports you can apply for credit cards with confidence. Make your payments accurately and your credit score will be increased. |
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User Name:
batu |
Date:
February 6, 2007, 4:56 am |
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I am an international student who dont have any credit score, so what kind of a way o suggest me to follow to build up my credit score?
which prepaid credit card is best for beginners in USA.
perpaid credit card without annual charge & other hidden charges or atleast with minimum charges |
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Answer:
If you are new in the USA and want to get a credit card, the first thing you should have to fill out an application form is social security number - it is given to all legally registered in this country. You can order it in the corresponding organizations and even via internet.
To establish credit, you can choose from three options. You can apply for bad/no credit card, with low credit limit and high fees and charges. You can ask a friend or a relative with good or excellent credit to be your co-signer, so he or she will apply for a good credit card and add you as a co-borrower, but it will be you who should pay off the credit. There is also a possibility of applying for a secured credit card, for which you will have to make a deposit determining the amount of available credit.
So, choose the option to your liking and apply online for a credit card. |
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User Name:
rebeccawashington |
Date:
February 6, 2007, 5:50 am |
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how can i obtain an unsecured credit card with no down payment nobank account and instantly for a credit rebuilder second chance
How can i get approved for a credit card with bad credit, but without a co-signer and no type of annual fees or charges up front? |
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Answer:
As far as I understand, you wish to get an unsecured credit card. It’s a good choice for people who don’t have an opportunity or desire to open an account – collateral for a secured credit card. So, the bank trusts you enough to give credit, but the risks of credit are covered by fees and rates which may seem to you rather high. And among suchlike cards you’ll hardly find no annual fee credit cards. But most of them imply instant decision. It’s also important how bad your credit is (I mean the amount of scores). The interest will be fixed by the credit card issuer also taking into consideration your credit history. So, it’s necessary to read terms & conditions to find out whether you can accept the card you wish or not. When you get a clear picture of different unsecured cards, you’ll be able to choose the one that combines the most attractive options for you and that will be able to meet your needs in the best way. |
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