Most Popular Articles
Bad Credt Credit Cards
Teresa Said:Having good credit and applying for a loan then getting declined?
We Answered:Each financial company has their own points system some higher than others, wether they use equifax or experian makes no difference if your points when a credit search is carried out dosent reach their cut off point computer says no!, unfortunately there is little human intervention it is as simple as that and its cheaper to administrate. so its pot luck on which company he will fit with but be careful the more searches are done the lower the score will be brought down.
June Said:How do we stick it to credt card banks with predatory lending policies?
We Answered:You "push back" by shopping around. The days of "being with a bank for 20 years" meaning anything are long gone.
Ted Said:Will getting secured credit cards help me to rebuild my credit?
We Answered:YES, getting a 'secured' credit card could eventually help you get an 'unsecured' credit card or loan. But it will take some time. In the best case scenario, a secured credit card issuer might offer you an unsecured line of credit in 6-12 months; assuming you've made all your payments on time and didn't exceed your credit limit. After this, you'll have to keep making your payments on time and building a good track record to get your APR lowered and avoid extra fees.
If you're considering a credit card, I would suggest trying an 'unsecured' credit card (for poor / no credit) first so you can avoid a 'security deposit'. You can find a complete list of offers here:
I highly suggest you try the Orchard Bank Platinum card. It's a very competitive offer (for people with poor / no credit). Plus, if you aren't approved for their unsecured card-- Orchard will automatically offer you their 'secured' credit card instead. This way, you only apply once and avoid extra inquires on your credit report (which can hurt your credit score).
Hope this helps. GOOD LUCK!
Barry Said:Credit card problems!?
We Answered:Try Orchard Bank. They're pretty good about approving folks. And even if you don't qualify for an unsecured card, you still may be able to get a secured card. Granted you'd have to put a deposit upfront to get the same amount of the deposit in a line of credit, but you could actually work that to your advantage and use it as a way to not only build credit but also create a savings. The security deposit is usually put in a savings account that gains interest while you're building your credit anyway, so you could add to the deposit and raise your credit line at the same time. Just make sure that you manage the card properly by paying on time and not maxing it out. Becuase after a year or so, usually you'll get the deposit back with a little interest and the card will convert to unsecured. I put some links to a few secured cards and orchard bank
Agnes Said:Working on rebuilding my credit.. when is it safe to apply for new credt?
We Answered:And now for the REAL answer..
You asked how you can fix your credit, right? You didn't ask how to go into debt, so I'm going to tell you how to do it. Right now, you already have enough credit cards. Work on what you have right now. To open another credit card, would take you 2 years for it to even do any good. Just work on getting the ones that you're behind on caught up or better yet, paid off, and then make small purchases ($20/max) and pay it in full, just like you said. Even though those accounts are behind right now, as long as they're still open, you can rebuild your credit with those. One thing that you should know is that what's going on with your accounts within the past 2 years is affecting your credit the most. Try really hard to get the accounts back in good standing. While I would normally would advise getting a secured card to build credit, in your case, I would just work with what you have.
People like H.B. talk about using cash and being debt free. I don't disagree about being debt free, that's why I'm on here giving people advice on how to use credit responsibly, so they won't be in debt. If cash can be used, that's fine, but plastic still has it's place, it's just a fact of life.
Carol Said:i just turned 18 and i have limited credit. if i get a ral for tax refund will that give me some credt history?
We Answered:Get a credit card from local bank and pay it in time. You also can use this service to avoid common mistakes while buiding credit and pre-estimate future scores for different scenarios of payments - freecreditreport.sinfree.net
Emily Said:I have fair credit and I am looking for a credit card?
We Answered:Get a credit card from local bank and pay it in time. You also can use this service to avoid common mistakes while buiding credit and pre-estimate future scores for different scenarios of payments - credit-report-free.totalh.com
ultius.com legit said:
I personally like red roses the best, though I get that this has something important to mark for you. This person at the ultius.com legit also has unique ways of marking special and important days. This has been nice to know about, thanks!
nixie drone said:
Well okay credir cards have always been a bit of an issue specially when nixie drone are involved so your question here is quiet valid !!
long island pr firms said:
Extremely pleasant article, I appreciated perusing your post, exceptionally decent share, I need to twit this to my adherents. Much appreciated!
What a sensational blog! This blog is too much amazing in all aspects. Especially, it looks awesome and the content available on it is utmost qualitative.
new york pr firms said:
It is an extraordinary site.. The Design looks great.. Continue working like that!.
The Ideal Dream Laser Clinic is a cosmetic-medical center offering only certified, result-oriented hair removal, Skin rejuvenating, body countering and weight loss services for both men and women. Our team includes certified technicians, Registered Dietitian and specialized skin and laser consultants. We offer the highest level of safety and service in an environment where the main priority is your safety, health and privacy. Our clinic located in heart of north York , Yonge and Steeles area close to public transit. 5 min walk to center of Yonge and Steeles, 88 Steeles Ave. East Toronto.
quality link building said:
Thanks for the blog filled with so many information. Stopping by your blog helped me to get what I was looking for. Now my task has become as easy as.
Marvelous web journal. I appreciated perusing your articles. This is really an incredible read for me. I have bookmarked it and I am anticipating perusing new articles. Keep doing awesome!
FuneralHome Services said:
I truly value the sort of themes you post here. A debt of gratitude is in order for sharing us an incredible data that is really useful. Great day!
Keeping in mind its previous year trend we can say that UP 12th Roll Number wise result 2019 will release expectedly by the end of April. UP board 12th examinations will be scheduled in the month same as that of last year. After 12th examinations for the academic session, 2019 students will eager to know all the information related to their result.
It is generally believed that one can’t have the best of both the worlds, especially when it comes to source for income tax exemption. The more one earns, the more would be the tax liability. But, not many people are aware that this is not completely true and there exist certain types of income for which your income tax liability is zero.