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Credit Cards for Bad Credit or How to Re-establish Credit History
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Public Savings Bank Secured Black Card
Apply Right Now:
• 0% APR for 6 months on purchases.
• No Annual Fee.
• We report to all 3 credit bureaus.
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Displaying 890 to 900 (of 1947 questions) |
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User Name:
Jessica |
Date:
April 11, 2007, 5:57 pm |
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i wont to find my my score but i do not have a credit card? what can i do? |
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Answer:
Your credit score is derived from the report that you can get from one of the credit bureaus (Equifax, Experian and TransUnion). From the report you can learn all information concerning your payments, accounts, etc. In case you want to get a card, it is necessary to check all your 3 credit reports, as very often creditors look at the lowest score and decide whether to approve or decline you. Unfortunately, you didn't mention your score, so we can't tell you exactly what card you need to apply for. If you haven't credit (0-349), look through limited or no Credit section and choose one of the cards for people who want to build their credit. With a score of 350-619 you have poor credit history, and consequently, you should apply for a card for bad credit. Re-establish your credit history with the help of a secured or unsecured card for bad credit. Cards for fair credit (620-659) are very profitable for improving your score. At last, at our site you can find the best credit cards for good (660-749) or excellent (750-850) credit history at Best Overall Cards page. It's up to you to make your credit good and be approved for the best credit cards from the leading banks of the USA, the UK, Canada and Belgium. |
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User Name:
Anita |
Date:
April 11, 2007, 7:33 pm |
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how do i know the zip code |
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Answer:
The Zip code is the system of postal codes used by the US Postal Service. It is also an integral part of store locator software on many websites. The Zip code was chosen to suggest that the mail travels more efficiently, and therefore more quickly, when senders use it. Unfortunitely, we don't deal with personal information such as codes, numbers and so on. You'd better contact the post office or enter the website and search for additional information there. |
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User Name:
Kelly Williams |
Date:
April 11, 2007, 9:28 pm |
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can someone else take over a a credit card balance on 0% balance |
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Answer:
Balance transfer cards are good for relocating your debt from one credit card into another which can save money. If you are interested in balance transfer cards, you can look through 0% on balance transfers section and choose the card to your liking. Be aware that balance transfer cards are designed mainly for people with no less than fair credit history. So, if you don't qualify for these cards, first you'd better improve your credit and after it you'll be able to get the best balance transfer cards with low APR for 6 or 12 months, no annual fee and some other favourable features. Compare all options properly. Take a look at the credit card application online that can allow you credit card balance transfer at a 0 rate. |
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User Name:
Fred |
Date:
April 11, 2007, 11:56 pm |
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I have read through many of the postings about securing credit at different FICO credit score levels. Using your advise I have now secured additional credit specifically, used for improving my credit standing. My current credit score is 662. What I\'d like to know, is it possible to remove items that were once viewed as negative prior to automatic discharge in early 2009. When contacting the bureau\'s, they state that I have to contact the former creditors for removal. Contacting the former creditors, they state that I have to contact the bureau\'s. As you can see, I\'m getting the olf soft shoe routine. If these two past \"Fully Paid\" collection items were not part of my credit files, I believe my credit score would exceed 750. Which by the way, puts me in the good to excellent rating category. My frustration is with a system that is overly punitive and patently unfair. It is designed to extract and consume without fail, and those that don\'t participate, are forced into second class |
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Answer:
You need to review your report every 3-4 years to check it for inaccuracies or omissions. You can obtain a copy of your credit report and dispute errors. When a credit reporting agency receives a dispute, it must reinvestigate and record the current status of the disputed items within a certain period of time. If it cannot verify a disputed item, it must delete it, or correct, in case it has an erroneous information. If a reinvestigation does not resolve your dispute, the Fair Credit Reporting Act permits you to file a statement of up to 100 words to explain your side of the story. The credit reporting agency must include this explanation in your report each time it sends it out. But if the negative information is accurate, only the passage of time can assure its removal. With the score of 662 you have good credit history. In case you want to make it excellent, you need to get the reputation of a positive credit payer, so don't have late payments. Apply for a card you qualify for, and when getting it, pay off your balances on time. Proving yourself a good credit risk, you have an opportunity to get the best credit cards in future. |
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User Name:
Fred |
Date:
April 12, 2007, 12:02 am |
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In my recent quest to clean up my credit files, which I have now completed successfully. Could you provide a reasoned explanation as why credit bureau\'s differ so greatly when reporting consumer credit information. The more pressing question is why do we have three in the first place, since \"they\" do such an atrocious job keeping track of personal and consumer information? |
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Answer:
When a creditor requests a credit report on a certain consumer, the credit-reporting agency collects information about him from different sources. Creditors pay credit bureaus for information about consumers, especially information about whether they have met past credit obligations. In America the credit-reporting business is dominated by 3 large companies. They work through more than 500 local offices and contracted affiliates. Through them the bureaus receive information from virtually every creditor. Hence, the flow of information is two-way. Credit bureaus always report the information faithfully. In rare cases, faithful reporting is wrong because creditors occasionally supply inaccurate information. The creditor may have failed to record or update actual payments or delinquencies by consumers. Errors may occur for many reasons: public records are faulty, consumers neglect to have their mail forwarded, consumers misplace bills, mail is improperly delivered and so on. Anyway, you can dispute the information in the reports. |
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User Name:
janett figueroa |
Date:
April 12, 2007, 9:54 am |
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how can apply for a credit card with bad credit |
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Answer:
At our site there are cards for bad credit among which you'll surely find the card, meeting your requirements. The best and the safest way for you can be applying for a secured credit card for bad credit which implies the cash deposit to the bank. Unsecured credit cards are also profitable but they are expensive and give little credit. Mind that not to be denied when deciding to apply for a card, it's better to check your credit report first and make sure that all information is accurate. You can also make use of a co-signer's help which means that you find a person who will be responsible for your balance. Mind that a co-signer should have good or excellent credit. |
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User Name:
ram |
Date:
April 12, 2007, 10:22 am |
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i am living in india |
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Answer:
At our site we present credit cards for the residents of the USA, the UK, Canada and Belgium. If you temporarily live in India but are an official resident of one of these countries, you are welcome to our site. You'll find a variety of cards for all types of credit history. It's up to you to choose the card according to your score and requirements. Unfortunately, you can't obtain the card if you're a resident of India. In case you are looking for a card, you can apply the local bank or look through its official site and get the card, suitable for you. |
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User Name:
montenegro,ana maria |
Date:
April 12, 2007, 12:51 pm |
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I am a new resident. I dont have credir yet and speak english so bad. I m working in Morgane Le fay ( Dress Designer) With my wife living in NYc from JUNE/2007. Please we need sugerence.
annfashion@gmail.com
montenegroaltacostura@hotmail.com
licperezbobasso@hotmail.com
8390 |
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Answer:
At our site we present a variety of credit cards from the major banks of the USA, the UK, Canada and Belgium. You're welcome to look through the sections that you're interested in. For example, if you have no credit, you should apply for no credit cards that include secured credit cards as well as unsecured credit cards for no credit. It's a good opportunity to begin establishing your credit history with the help of one of these cards. It's up to you to choose the card, fitting your needs and interests. Mind that before applying for a card, it's better to turn to the credit-rating agency and learn your exact score. It is extremely bad to be turned down at the beginning of your credit activity. Unfortunately, we can't contact you as it is the duty of banks and credit card companies. At our site you can just choose the card and make an online credit card application. After you're approved, the bank send you a card, together with a statement, where all contact information is given. |
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User Name:
Margaret A. Landon |
Date:
April 12, 2007, 4:39 pm |
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I have a brochure from my opthamologists' office that says CareCredit and some plans charge no interest up to 18 mo.
I need some expensive glasses and I'd like to see if I can qualify for this plan. |
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Answer:
CareCredit is used by patients to pay for treatment. It is a revolving line of credit that can be used by the whole family for ongoing treatment, without having to reapply. Carecredit reduces your need for billing and collecting. Indeed, CareCredit offers its clients 3, 6, 12 & 18 months no interest payment plans. Unfortunately, we are not connected with this organization and can't give you the detailed information, so in case you are interested in its activity, look through the Internet and find its site, where you can get all necessary information. |
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User Name:
candace miller |
Date:
April 12, 2007, 5:04 pm |
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I got a card with a promo code on it how do i know which card to use it on,if it does not say. all it says is visit horizongoldcard.com,and the promo code |
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Answer:
You see, at our site we just present the credit card applications from the leading banks such as American Express, Advanta Bank, Citibank and others. We also help people choose the suitable card, according to their credit history. Nevertheless, we can give you a piece of advice. After you get an approval with a special code, which prove you can get the card chosen, you receive it by mail in a week or two. Usually all the contact information is written on the back of the card. You should find the bank's official site (in your case it is given to you) or contact the bank and make all inquiries there. |
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