May
21
What is a good credit card to get that you almost will never get turned down for?
Filed Under Credit | 5 Comments
JD
I currently have two credit cards, but 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 more credit. My friend got approved for a Best Buy credit card tonight and his credit isn’t that good. However, I just want a main card(for example: visa, discover) and not a store card. Thanks for any help.
I currently have two credit cards, but 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 more credit. My friend got approved for a Best Buy credit card tonight and his credit isn’t that good. However, I just want a main card(for example: visa, discover) and not a store card. Thanks for any help.
May
21
What is wrong with my Vantage credit score in comparison to my FICO credit score?
Filed Under Credit | 2 Comments
unarica27
I have purchased both of these reports on the same day. My Vantage Experian score is 677. However, my FICO Experian score is a 663. I thought that my Vantage score would be much higher. This means that my FICO score is fair (and has potential) and my Vantage score is is terrible. Can someone please explain this to me? I really want to obtain a mortgage. THANKS!
I have purchased both of these reports on the same day. My Vantage Experian score is 677. However, my FICO Experian score is a 663. I thought that my Vantage score would be much higher. This means that my FICO score is fair (and has potential) and my Vantage score is is terrible. Can someone please explain this to me? I really want to obtain a mortgage. THANKS!
May
20
Bad Credit Small Business Startup Loans : Poor Credit Can’t Stop the Entrepreneur in you
Filed Under Rebuilding Your Credit | Leave a Comment
Jennifer Morva
If you want to start a small business but are not able to do so due to lack of finances, go for bad credit small business startup loans. With the help of bad credit small business startup loans you can start your own small business. Bad credit small business startup loans are basically of two types secured and unsecured.
ABOUT BAD CREDIT SMALL BUSINESS STARTUP LOANS
Bad credit small business startup loans are for those people who are suffering from bad credit status and want to start their own small business. A person can be tagged as a bad creditor due to various reasons like arrears, defaults, IVA, CCJ, bankruptcy, late payments etc. Bad credit small business startup loans can be availed by all such persons. Bad credit small business startup loans are basically of two types, secured and unsecured. To avail a secured bad credit small business startup loan you’ll have to place one of your properties as collateral against the loan amount. This can be any of your personal properties like home, car, bank balance or can be your commercial property. On the other hand you don’t have to place any security to avail an unsecured small business startup loan, but the interest rate is slightly higher compared to secured loan. With secured bad credit small business startup loans you can avail an amount ranging from £3000- £75000, with repayment duration ranging from 3 – 25 years. While with unsecured bad credit small business startup loans you can avail an amount ranging from £1000- £10000 for a period of 1 – 10 years. The interest rate of bad credit small business startup loans is slightly higher because they are advanced to bad creditors, but with good research you can find a lender with reasonable interest rate.
BAD CREDIT SMALL BUSINESS STARTUP LOANS
Bad credit small business startup loans are very beneficial for people who are suffering for bad credit status. With bad credit business startup loans you can start your own business and regain your position in the market. Also by regular payment of loan installments you can increase you credit score. Bad credit small business startup loans offer flexible repayment options. If you want to avail a small amount under £10000, you can opt for unsecured bad credit small business loan. On the other hand if you need an amount more than £10000, go for the secured way.
HOW TO APPLY FOR A BAD CREDIT SMALL BUSINESS LOAN
You can apply for bad credit small business startup loans by visiting banks, financial institutions, lending firms personally or you can apply online also. To apply via Internet you just have to fill up an online application form giving details like the loan amount you wan to avail, period of loan etc. Applying online is hassle free, consumes less time and requires less paperwork.
If you want to start a small business but are not able to do so due to lack of finances, go for bad credit small business startup loans. With the help of bad credit small business startup loans you can start your own small business. Bad credit small business startup loans are basically of two types secured and unsecured.
ABOUT BAD CREDIT SMALL BUSINESS STARTUP LOANS
Bad credit small business startup loans are for those people who are suffering from bad credit status and want to start their own small business. A person can be tagged as a bad creditor due to various reasons like arrears, defaults, IVA, CCJ, bankruptcy, late payments etc. Bad credit small business startup loans can be availed by all such persons. Bad credit small business startup loans are basically of two types, secured and unsecured. To avail a secured bad credit small business startup loan you’ll have to place one of your properties as collateral against the loan amount. This can be any of your personal properties like home, car, bank balance or can be your commercial property. On the other hand you don’t have to place any security to avail an unsecured small business startup loan, but the interest rate is slightly higher compared to secured loan. With secured bad credit small business startup loans you can avail an amount ranging from £3000- £75000, with repayment duration ranging from 3 – 25 years. While with unsecured bad credit small business startup loans you can avail an amount ranging from £1000- £10000 for a period of 1 – 10 years. The interest rate of bad credit small business startup loans is slightly higher because they are advanced to bad creditors, but with good research you can find a lender with reasonable interest rate.
BAD CREDIT SMALL BUSINESS STARTUP LOANS
Bad credit small business startup loans are very beneficial for people who are suffering for bad credit status. With bad credit business startup loans you can start your own business and regain your position in the market. Also by regular payment of loan installments you can increase you credit score. Bad credit small business startup loans offer flexible repayment options. If you want to avail a small amount under £10000, you can opt for unsecured bad credit small business loan. On the other hand if you need an amount more than £10000, go for the secured way.
HOW TO APPLY FOR A BAD CREDIT SMALL BUSINESS LOAN
You can apply for bad credit small business startup loans by visiting banks, financial institutions, lending firms personally or you can apply online also. To apply via Internet you just have to fill up an online application form giving details like the loan amount you wan to avail, period of loan etc. Applying online is hassle free, consumes less time and requires less paperwork.
May
17
website that is accessible in the Philippines where I can check my FICO and credit score?
Filed Under Personal Finance | 1 Comment
SSJ
Please let me know if there’s any. I need to check my FICO score or credit score, if any. My spouse is a US citizen, we have a joint checking account. I have a SS #. Am not a US citizen.
The AnnualCreditReport.com website is only accessible through ISPs (Internet Service Providers)
Please let me know if there’s any. I need to check my FICO score or credit score, if any. My spouse is a US citizen, we have a joint checking account. I have a SS #. Am not a US citizen.
The AnnualCreditReport.com website is only accessible through ISPs (Internet Service Providers)
located within the United States and its territories.
Why am I getting this instead?
May
16
What credit card company offers the best deals on Business Credit Card?
Filed Under Credit | 2 Comments
Evilish13
I have good credit and im in the market for a business credit card. What company offers the best rates, offers, cash back programs ect? Please give me some ideas on programs i should look into from the major cards like, AE, Discover, MC, and Visa.
I have good credit and im in the market for a business credit card. What company offers the best rates, offers, cash back programs ect? Please give me some ideas on programs i should look into from the major cards like, AE, Discover, MC, and Visa.
May
14
Acrow
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 building good credit. The only other advantage I know about is those point-system/rewards credit cards, that earn you miles or other things. And what is the best credit card to get for a first time credit card holder? The number of choices are a little overwhelming. How did you choose your first/main credit card?
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 building good credit. The only other advantage I know about is those point-system/rewards credit cards, that earn you miles or other things. And what is the best credit card to get for a first time credit card holder? The number of choices are a little overwhelming. How did you choose your first/main credit card?
May
14
The Crutch Called Good Credit
Filed Under Finance | Leave a Comment
Bradley Darville
In today’s society the reliance on good credit is the equivalent of having money in the bank or it may even be likened unto a reservoir of good standing which in some cases is worth more than sums of money in the bank. However, good credit in many instances has been pushed far beyond its original intent both by individuals and by corporations in the economic arena. Individuals knowing the latent power and leverage of good credit have in many cases squeezed credit to acquire personal wealth and fulfill dreams. In similar instances, corporations have levied the awesome potential of good credit giving rise to exorbitant profits and inflated assets. Such practices have given birth to the ineffective and misappropriated use of the crutch called good credit.
The intended use of good credit has seemingly been sidelined by individuals and corporations alike with inventive minds capable of manipulating and devising methodologies of extending good credit beyond the limits of ordinary imagination. The good credit is seen as a bolster to greater wealth instead of “the good faith” approach to conducting business. Good credit has in such instances been manipulated and falsified like a rich man pretending to be a beggar with a cup asking for help. Such deceit unfortunately serves only to destroy valuable trust and create havoc where the innocent lose their chance of genuine help in the time of need.
Individuals have allowed themselves to envision credit as the panacea of fulfilling personal lofty dreams of harvesting wealth and accumulating things. In this regard some people have acquired multiple credit cards in a misconceived scheme to acquire as much assets as possible with the pre-conceived thought of being able to pay off the credit card bills over a period of time. Thus, the credit lines are used in a mad desperation to pay off rising balances that become due, but only to create more unwanted bills. Of course, in a short time the inevitable occurs and the debts increase with rippling effects costing the individual everything including his or her good credit which should have been a lifeline especially during such difficult times.
In a similar manner some corporations have knowingly stretched good credit limits with their unsuspecting business partners. The motive in such cases as usual is greed and a cunning desire to be able to go as far as possible in creating more income without paying the true cost. In this scenario one company could easily find itself with a debt which cannot be paid and conversely, another company with an asset of no true value. However, such practices are always shortened by time itself even though it may take a few years to happen. The end result being the use of good credit in the wrong manner will terminate the availability of credit itself.
Good credit is supposed to serve as a cushion or even a crutch to those needing a helping hand for a limited time. It is suppose to be “a means to an end” for whomever may be in need of extra time to secure funds for an outstanding obligation which is about to become due. Unfortunately, it has become “the end to a means” of having and being assured of help. Will “the crutch called good credit” ever return to its former state?
In today’s society the reliance on good credit is the equivalent of having money in the bank or it may even be likened unto a reservoir of good standing which in some cases is worth more than sums of money in the bank. However, good credit in many instances has been pushed far beyond its original intent both by individuals and by corporations in the economic arena. Individuals knowing the latent power and leverage of good credit have in many cases squeezed credit to acquire personal wealth and fulfill dreams. In similar instances, corporations have levied the awesome potential of good credit giving rise to exorbitant profits and inflated assets. Such practices have given birth to the ineffective and misappropriated use of the crutch called good credit.
The intended use of good credit has seemingly been sidelined by individuals and corporations alike with inventive minds capable of manipulating and devising methodologies of extending good credit beyond the limits of ordinary imagination. The good credit is seen as a bolster to greater wealth instead of “the good faith” approach to conducting business. Good credit has in such instances been manipulated and falsified like a rich man pretending to be a beggar with a cup asking for help. Such deceit unfortunately serves only to destroy valuable trust and create havoc where the innocent lose their chance of genuine help in the time of need.
Individuals have allowed themselves to envision credit as the panacea of fulfilling personal lofty dreams of harvesting wealth and accumulating things. In this regard some people have acquired multiple credit cards in a misconceived scheme to acquire as much assets as possible with the pre-conceived thought of being able to pay off the credit card bills over a period of time. Thus, the credit lines are used in a mad desperation to pay off rising balances that become due, but only to create more unwanted bills. Of course, in a short time the inevitable occurs and the debts increase with rippling effects costing the individual everything including his or her good credit which should have been a lifeline especially during such difficult times.
In a similar manner some corporations have knowingly stretched good credit limits with their unsuspecting business partners. The motive in such cases as usual is greed and a cunning desire to be able to go as far as possible in creating more income without paying the true cost. In this scenario one company could easily find itself with a debt which cannot be paid and conversely, another company with an asset of no true value. However, such practices are always shortened by time itself even though it may take a few years to happen. The end result being the use of good credit in the wrong manner will terminate the availability of credit itself.
Good credit is supposed to serve as a cushion or even a crutch to those needing a helping hand for a limited time. It is suppose to be “a means to an end” for whomever may be in need of extra time to secure funds for an outstanding obligation which is about to become due. Unfortunately, it has become “the end to a means” of having and being assured of help. Will “the crutch called good credit” ever return to its former state?
May
14
Tay
I just turned eighteen at the end of February, so I have limited credit history.
I was wondering what credit card is used for building credit, and would be the best choice for a person getting they’re first credit card.
I just turned eighteen at the end of February, so I have limited credit history.
I was wondering what credit card is used for building credit, and would be the best choice for a person getting they’re first credit card.
May
13
azkoolchik
I have a credit score of 700 and wanting another credit card. I was thinking about citi bank or bank of america. What one should I get? I only have one other credit card from Wumu. I want a credit card that report to the 3 credit bureaus every month. Anyone has either one of these cards, if so, what one did you like and why?
I have a credit score of 700 and wanting another credit card. I was thinking about citi bank or bank of america. What one should I get? I only have one other credit card from Wumu. I want a credit card that report to the 3 credit bureaus every month. Anyone has either one of these cards, if so, what one did you like and why?
May
13
How is a credit card considered a written contract instead of an open account?
Filed Under Credit | 2 Comments
rich61969
I am being sued by a collection agency for an old (over 3 years) Visa credit card debt. I live in Alabama and the Statue of Limitations on Open Accounts is 3 years. I hired an attorney but he says that I probably will have to settle because it is not an open account but a written contract account which has a SOL of 6 years. He says this because the collection agency produced a piece of paper that I signed when I opened the account (basically it’s the credit card application). I researched on my own and most information that I found says that credit cards are always open accounts. I did find one place (Wiki Answers) where someone said that credit cards could be written contracts. Is my attorney wrong or can this indeed be a written contract in some way. I really need to know before I go to court. Please give me some type of solid backup to your answer and not just your opinion.
I am being sued by a collection agency for an old (over 3 years) Visa credit card debt. I live in Alabama and the Statue of Limitations on Open Accounts is 3 years. I hired an attorney but he says that I probably will have to settle because it is not an open account but a written contract account which has a SOL of 6 years. He says this because the collection agency produced a piece of paper that I signed when I opened the account (basically it’s the credit card application). I researched on my own and most information that I found says that credit cards are always open accounts. I did find one place (Wiki Answers) where someone said that credit cards could be written contracts. Is my attorney wrong or can this indeed be a written contract in some way. I really need to know before I go to court. Please give me some type of solid backup to your answer and not just your opinion.