Loon-A-TiK


i have a lot of student loan debt and want to consolidate. however, i’m sure that because it is a private loan they’re going to run my credit. do you know what is the lowest score i can have to consolidate?
I don’t need debt management- my bad credit is the result of the ratio between my income and huge student loans. This totally messes with your credit. I’m working with a law firm to get this under control. I just need to consolidate my loans and while I can wait until my credit improves, I want to start saving money now.

Branden F


I am 20 years old, live with my parents right now and go to college. I only have my cell phone to pay right now and take the city bus to school. Im not sure what my credit is but i know i was approved from my cell phone company and I get capital one platinum credit card applications in the mail.

- My question is how can I use a credit card right now to build credit? – Do you have any advice about credit card?

gabriel i


I have bad credit. I have already consulted a “professinal credit counseler” but got a half ass response. I am not ready to pay additional money to have someone else fix my problem. I have had bad credit for about 2+ years now. I used to have decent credit. It is estimated that I have around $20,000 owed. I would like to do this myself and contact the creditors, collectors and banks myself. I just want to know what would be the right approach so that they get paid and my credit report will show that I have made and effort to do the rigth thing? I have a family and would like to buy a house one day. I also want to go into law enforcement. So credit is important to me. Any advice would help. Thanks

Derek B


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?

Bhall


I have and make more then enough funds to afford my own apartment. I’m looking to move out of my friends house and getting my own place. But Even though i make and have money to do it, My Bad Credit is stopping me. I’m not applying for a Loan, or more credit. I’m simply looking for a Place to live, Why do Apartments need my credit history for that and How can i work around it?

T0ah S


i have a credit card from a bank. only a credit card no accounts. it is about to expire. but i still want to have a credit card for uses. is the bank suppose to send me papers to renew the card or is it suppose to renew by its self? can i transfer my credit limit to a new credit card? i dont want to end this one and go get a new card and have such a low limit.

http://creditcard.iblogger.org/credit-card-offers/credit-card-offers.php

thankyou

Jackstarks


Man. My company ran out of buisness long time ago, and I need about $1000 quick cash, but my credit is bad. After all research, the only option I have seems OrchardBank. How much credit line do they offer to someone with real bad credit under 520?

John S.


Can I still get a credit card secured or unsecured if i have bad credit? How can I improve my credit?

mpbclutch33


I have really good credit and have paid off all credit cards as I use them. Now, I have a large purchase I want to make. If I apply for a card and get approved online, it will take 7-10 days to get the card. Can I somehow use the card without physically having the card in my possession?

Eddie Cacciatore, Private Eye


This term change is after several years, and it was a reputable credit card company.

If I don’t agree to the new (worse) terms, they will cancel my card, and I’ll have to pay the remaining balance. Would this hurt my credit rating if I don’t accept the new terms, let them cancel my card and just pay off what I owe over the year?