Why would this arise?
Question:
I received a copy of my equifax report online, along with experian. But, transunion wouldnt confer it to me online. Why would 2 of them do that, but not the other?
Answers:
To protect customers from fraud, the CRAs attempt to verify beyond resonable doubt that you are who you say you are. If they are no convinced for some source, they will refuse your online request for your report and ask you to put the request contained by writing.
It's really not that big of a deal.of late make sure you include your cross, address, SSN, DOB, a previous address and any former name* (s) that you have used.
If you are requesting a evaluation with your report, product sure you send the right amount of money.
*Include nickname as well.
so? write for it. It's free once per year
It's probably merely their policy.
Did you try using annualcreditreport.com?
Different companies have different policies. Simple as that.
What is the average time a party keep their first credit card vs. those they achieve following?
Question:
Do you have a possible relationship to a study that shows this?
Answers:
For a long time
I still have my inspired American Express Card. If you pay past its sell-by date your debit you shouldn't have concerns nearly closing old accounts.
A key factor in establishing a robust Fico Score is length of credit history. Keep the card if you have a unpromising apr and you have be a good customer ask for a better rate. If you want an extension ask for that as powerfully, but stay with the card and explore the other types of benefits the CC company may enjoy with other cards
Apartment credit segment 2!?
Question:
Ok, so I emailed the apartment complex about my credit mark ...so here is what they emailed me ...by the way my credit win is avg of 581 -600 on my fico...what do you think my probability are of getting a smal ldeposit ? this is their response " credit score of 600, which
you enjoy, is generally considered an average credit chalk up. You can
expect to be approved under any a Minimal Deposit or a Half Months
deposit if you have well brought-up credit history. When credit is ran we just go
put a bet on up to 3 years to see established credit history. With you being a
student beside a credit card and a car, you should enjoy plenty of
established credit to qualify on your own. However, when we run our
credit checks we don't get backbone a score, we in recent times get rear a grade
stating what credit rank tier you will qualify under. The tiers array
from Reject, Full Deposit, Half Deposit, and Minimal Deposit. If
everything goes as planned you can expect to qualify lower than a Half
Months deposit or a Minimal d
Answers:
You will probably be required to put down at least a minimal deposit, but does not nouns like you would be rejected base on your credit rating.
However, Credit Rating is only one part of the pack. The second part is your income and flair to pay for the apartment. For this they use a Debt To Income ratio. This is your total monthly obligation compared to your monthly income, and they generally do not want more than a 45-50% DTI Ratio.
Not knowing your exact situation, so as an Example if you own a Car Payment for $300 and CC Payments(Minimum) of $100. With $1840 income, if your apartment is more than $520 a month there is a appropriate chance you will be decline, or have a high deposit required based on your income.
Calculation:
($1840 * 0.5) = $920 - $400 = $520
I would expect to receive a full deposit of $450.00 since you would be a risk of not being competent to pay contained by their eyes. Car payment, Credit Card, Student, and your credit win isnt the highest.
So whats the problem, you any want the apartment or not. If you don't have adequate I suggest you get a snatched partime job or a loan after you move within you can pay it put money on whenever. sorry i didn't read the part 1
How do you fix your credit after collapse?
Question:
I know it will take a while. But instant things you can do to START fixing your credit.
Answers:
As soon as your bankruptcy is discharged, you will start to recieve, if you hold not already, TONS of offers for credit cards and loans. These will be from companies that are usually high-fee/low target cards and higher interest rates. They do this because they know that you can not folder for bankruptcy again for several years.
You should probably stay away from those and dance for a secured card. Here you put a deposit of about $300, and they hand over you a credit card limit to clash. The difference between the Secured Card and the cards that charge the fees is that on the cards that charge the fees that money is gone directly to them. A good company for a secured card is Orchard Bank.
When you seize the card be sure to never go over 30% of your boundary, and pay your bill In Full and on-time every month. After almost 6-12 months of a good history you will start to qualify for better cards and loans.
Also, around a month after your bankruptcy is discharged you necessitate to pull your credit report and verify that adjectives your debts that were included within the bankruptcy are correct. If they are not you requirement to dispute that with the credit reporting companies.
After a year of file for bankruptcy, I received credit card offer. This is how I reestablish my credit.
what ever u get resembling a loan or a credit card, pay on the dot and u should be fine
If you have discouraging or no credit and have no credit cards try to make a purchase of two credit cards and make sure adjectives of your monthly payments are made on time. This will oblige increase your credit score. If you cannot be approved for a unsecured credit card, gain a secured credit card.
Hi,
I used "Credit Solution" to settle my debt and fix my credit.They managed to mute my debt up to 58%.It's legitimate.I come accross this company on NBC News Special Edition.Check it out here:
http://ataja.es/creditsolutions...
i think it would look unpromising after bankruptcy
American Express rewards gold ingots card give me 1st year free and 50,000 bonus rewards points.. If i CANCEL?
Question:
before the first year will they whip the points from me or should i keep it a second year and settle up the $125.00 just one time and I don`t know they won't do anything to your points.. i could just use them consequently cancel but i want to build up for presently.. thanks for your relief..
Answers:
1 point for every net retail dollar spent on qualify purchases
Double points for dining and travel purchases
Special rewards for traveling and shopping with partner merchants.
24/7 personal concierge services.
Facility to redeem reward points for hotel stay, travel, payment certificates, merchandise or brass
No restrictions on number of points to be earned during a year.
No blackout date
Apply online for american express reward card at: http://www.credit-card-gallery.com/ameri...
If your unpaid cc bill go to collections but u very soon want to reward,?
Question:
can you start making payments thru the cc company again or do you HAVE to go thru collections?
(last expenditure was SEVERAL months ago. collections have been calling me but i havent picked up. I come into some money and am ready to carry on a payment plan again)
Answers:
The collection agency have bought the debt, and the only bearing to pay it bad is through them, remember demand a written statement from them that if you settle up it off they will remove it from your credit history, or it will remain within for 7 years.
I think its thru the collections
Once it is sent to collections, you inevitability to deal next to the collection agency.
Make it easy on yourself and ring the collections number. If you call the credit card company directly, they will merely transfer you or refer you to collections.
Actually, it depends upon how far the verbs has gone. You might be capable of pay on your sketch to actual company, if they have transferred to their within house collection arm, or have not sold the debt to a collection company. There are so immensely many types of agreements that collection companies enjoy with their clients.
First entry to remember is to contact your cc company first and see what they say. Either instrument you make a sum, it has to be credited to your report. Also, remember that a collection company "can't eat ya'" LOL. Talk to them contained by a civil manner and don't whip any guff from them. Remember in the VAST majority of the cases, they are compensated on commission; if they collect no money from you; they collect NO money to their coffers either.
But no thing what; do NOT avoid dealing with the situation. Ignoring will merely make it worse.
Call the collection company. Paying the credit card company is reasonable, but could cause you problems. If they don't let somebody know the collection agency about your clearance fast satisfactory, they could sue you because you didn't pay--and then realize following they need to dismiss it when you articulate 'oh yes I did'--just another headache you don't need.
Plus, if you are equipped to pay within a lump sum or set up a payment plan, the collection lawyer are the ones you need to accord with. At this point, simply sending a check would by a hair`s breadth matter (you are still delinquent, they won't stop calling, and still might sue) unless any the check was for everything you owe or you call them first and worked something out.
Once it's been sold to a collections agency, you obligation to contact them in proclaim to make stipend arrangements or ask any questions almost your account.
By selling your debt, the orginal cc company have washed its hand of your bill.
Attempt to contact the CC company 1st, if it has not be a long period of time you might know how to reopen the account. If they do refer you to a collection agency try and enjoy a removal from your credit report upon payment. Make sure you bring back this agreement in writting surrounded by case you own problems getting the item removed. Lastly if you have attemtpted at smallest three or more times to ask for a removal upon payment and they send regrets then try for a salaried in full on your credit report hope this help.
Yeah what everyone else said..you need to call upon the collection agency because it's in their hand now
you hold to go throught the collection agency. They own the debt usually.
Can I rebuff a bill from a laywer who offered a free consultation?
Question:
I was advocate shopping and one of the lawyers I met next to told me i could speak to him on a free consultation. We spoke for about 40 minutes and later he told me if i decided to hire him to bring a check to his organization and to sign a retainer agreement. The business deal i be going to hire him for never panned out and I never returned to his organization. Now 3 months later i seize a bill from him for the consultation fee and truly 3 hours of work he did on my case.
My cross-examine is since i never hired him in the first place nor signed a retainer, what should I do near this $300.00 bill I have surrounded by front of me? He does not have my social or any other information and I never ever agreed to hire him nor asked him to do any work on my covering. I somewhat feel cheated and scammed, but I dont want my credit ruined within anyway. Can i ignore the bill and give an account him to get bent?
Answers:
I assume you never signed any papwerwork?
I would look right through it, but I would contact the lawyer and remind him of the free consultation and you never authorized anything olden that point.
Who knows. Maybe it is a paperwork error.
Was nearby a clause? Was it a free consultation if you decided to later hire him? This sounds shady whether there be or not. It doesn't make sense that he would try to bill you. So unless he showed you some sort of proof that the free consult be only free next to something else, he doesn't have a right to charge you. Unfortunately, you may requirement the assistance of another lawyer to carry you out of this mess.
If there is no contract, and you did not sign any document authorizing him to work on your behalf for a set hourly rate or for a contingency payment, then I suspect that he's trying to clear up some frail accounting matters and didn't realize that the single contact with you be on a free consultation.
If you didn't bring a check or sign a retainer agreement, he has no standing to represent you or charge you for work on your behalf. If he kick up a stink, talk to the local shaft association about file a complaint.
You said you went attorney shopping and the one you contacted said free consultation. Have you gone back through the shopping program and locate the attorney? Does it say on the commercial free consultation? If it does, you don't have to take-home pay so as long as you keep the poster. If it doesn't, file a complaint beside the state bar association and explain the problem. You'll hold something on record and may not own to pay.
Why are you running alarmed? Just because he's an attorney doesn't make him the almighty.
Call the attorney and tell him what you in recent times said. It's probably an accounting error that won't get corrected until you bring it to his attention. GEEEEEEZZZ
I guess you should contact him and clear things out, and hope that you enjoy not signed any paper, he cant put that information on your credit report, even if he does you can dispute it.
I won 428,000.00...do u have a sneaking suspicion that its a scam?
Question:
I got a essay message today saying i've won that amount of money...and they voice to email them to claim the prize...it has no cb number..should i email them or is it a scam?
claim@stanfordpromotions.org
Answers:
You can't be serious!
Yes it is indisputable. Send them $50,000 good conviction money and they'll have the funds wired to your dune account. Oh, don;t forget to dispense them your social security number and adjectives your bank depiction information. You might also want to give them adjectives your credit card numbers to prove you are an honest person.
And relatives wonder why they keeping sending these things out. In the words of P.T. Barnum, "There's a sucker born every minute".
If you didn't enter it, then you could not hold won it. Sounds like a scam.
It's absolutly a scam. Any legit jackpot would own called you. They hold your number because they texted you. Besides the company has "promotions" surrounded by their name. Obviously it's a marketing ploy. Once they return with your email address, get prepared for a ton of junk e-mail to come your opening.
yes its fake
Hey Tim, Ha Ha!! Thats funny!
It probably is a scam. I receive alot of those type of emails. Since I never entered any of those, than I know they are. They are looking to any personal information they can, especially sandbank info.
Do not give any PRIVATE info, you will regret it. The solely other thing I can articulate is Research...Research...everythi... very throughly. Don't agree to yourself get sucked into a Scam
Dave..hold you ever heard the phrase "A fool and his money are soon parted' ? Don't be a fool, please.
It's a scam. Next they will ask you for a "processing fee", once you money that you won't be able to locate them. Think going on for this: What kind of company does business via article messaging??
Will my Repo on my credit report walk away?
Question:
If i had repo a sports car and they auctioned it, and what i owe left of it is still 6,000, if I be able to payment that off, will I still see repossion on my credit report ?
Answers:
Yes you will.
The repossession will show on your credit report for 7-years from the date of first delinquency weather you repay it or not.
It will look a whole lot better if you clear it.
Yes the repo will still show and it will show that you paid stale the balance. This will eventually clear but it will be a while.
Yes, it will show on your credit report, but if you've salaried it, it should show as paid. It's a strike against your credit, only because you've settled it later doesn't have it in mind they are just going to erase it. When they reposses something it's because you couldn't retribution and future lenders will want to see that.
IT reports while you are paying the debt, engender shure you pay your payments ONTIME... that help boost your score.
When the debt is pleased , it usually clears in more or less 7 years.
(From the final payment date) This is because :
1. That is used to establish a HISTORY for you.
2. Lenders close to to see how quickly you can pay cheque back ammounts owed or lended to you.
It is impotant to remember that your FICO is made up of a percantage of things.. so try to boost your gain!
35% = Making ONTIME payments, even if it is the MINNIUM!
Mail it in a week untimely!
30%= debt ( monies charged, loans..) VS. What amount of credit is actually available to you. The smaller debt and bigger credit is what you are aiming for.
15%= Length of credit history. Having accounts break open years ago, actually help sometimes. Unpaid ones could potentially help also, it is establishing how long you hold been around , getting credit. Shows them you enjoy a history. So dont go cancel older cards... that would erase some of your history , if truth be told damaging your gain.
10% = New accounts and inquires on your credit.
Obviously more inquiries lowers your score.
10% A worthy mix or balance on the types of loans and credit you own. ( RE: Home , car, credit, departmant store)
All credit agencies, equifax, trans league, etc, keep a 3 year history of your credit. The exception is a liquidation, which will appear for 7 yrs. The repossesion will appear for 3 years AFTER the balance have been rewarded, or 3 years after it is written off by the creditor that you owe.
If you pay envelope off the set off remaining you can have your report copy that. The repo will show up for around 7 years. After you pay rotten the balance, transport proof of your payment to the credit agencies who disclose it. This will update the story information. Since you paid the debt, after a few years you can dispute the diary and if the lender doesn't respond in time to the credit agency it will be removed. Car repos are bleak!
Of course you will...for the next 7 years.
If you settle unpaid collections accounts of on your credit report does it raise your credit mark?
Question:
Answers:
Before you pay rotten any old debts, aware of a couple things.
1) All the creditor is required to do is show "paid" on your credit reports, but adjectives of the info about past due payments and collections is still there. It's still a unenthusiastic item and will continue to hurt your store.
2) It will also update your report to show recent commotion. Your credit score take recent negative items as more meaningful to old items, and as a consequence paying this debt will actually hurt your credit evaluation, not improve it.
What you obligation to do is negotiate with the creditor that, contained by exchange for paying off your debt, they must delete the item from your credit report. Make them supply you this agreement IN WRITING!
no but they will come off after 7 years.
Paying collections does not really advance your credit score...
Because it is not a revolving harmonize, it was only reported as collections. To improve credit score you need to lower how much debt you own on your revolving balances and own credit open, not too several closed accounts, not many inquiries, pay envelope your bills on time. By doing this it will increase your credit rack up. When we refiance people here and remuneration off their bills, they see their credit rack up go up inwardly a few months.
Good luck, most collections will threaten to report it on your credit report when it might have already be reported and hurt your credit already.
It will temporarily lower your score but over time it will boost higher than it be before you compensated them off.
Yes it will upgrade your credit score. A popular misconception is that it won't. A salaried collection is still a negative, but it's smaller quantity of a negative than an unpaid collection is.
Mr. Mortgage Loan Officer above should hold also told you that many mortgage companies will not loan you money if you hold unpaid collections. Some employers will not hire you if you own unpaid collections.
An unpaid collections is also part of you debt. You salary the collection, you lower the debt showing on your credit report. Pay them all sour.
No, it does not. The only two ways to incline your score are:
1- paying your bills prompt consistently for many months
2- reducing your debt ratio
Which is better? To step Bankrupt voluntarily or a creditor making you out of business?
Question:
Also, one creditor is saying that, but would it include my others if they made me?
Please no stupid answers resembling pay your bills or i'll hold answers withdrawn.
Answers:
There is no difference in the style the bankruptcy is conducted.
In the UK, a creditor can be paid you bankrupt if you owe more than lb750 (either to that one creditor or to more than one acting together). In practice, thoroughly few will do this.
The reason they are reluctant is that it costs them money which they will not recuperate. To make you out of business they have to provide prima facie proof that you are incompetent to pay your debts. The with the sole purpose safe bearing for them to do this is to get a court judgement on which you later default. They hence prefer to keep threatening you to draw from you to pay them the money. They will commonly tell you lies going on for the effects of bankruptcy (and I'm conversation about the big lenders here, not a moment ago someone who is ignorant of the facts).
The help of applying yourself is that you have some control over the timescale. Once you are made penniless you can tell your creditors not to bother you and the phone call will eventually stop. (Some seem to pilfer quite a time for it to sink contained by. They hope to browbeat you into paying a little bit but this is not allowed)
The downside is that you will enjoy to pay the fees. There are reduced fees if you are on benefits but it will still cost something. Once the finding is made just draw brass if you have any credit remaining if not just stop paying any creditor (except those related to housing) and pick up up that way.
Are you sure liquidation is the right course of action? Take guidance from either CAB or CCCS or post for abet on the forum in the connect. This is done anonymously and the advice will categorically be impartial.
A creditor cannot force you into ruin. You have to formulate that decision. You should look at your financial position and possibly talk to a liquidation attorney to find out all of your option and which one would be best for you.
no one else can construct you bankrupt. If you a moment ago let it step, it will affect your credit rating longer than declaring liquidation. If you're talking credit cards, you might still enjoy to repay the creditors on a payment plan - the law have changed
It can be done but it's not that confident.takes at lowest 3 creditors to file petitions against you surrounded by a "class action" type of suit.
So it would be unlikely that your creditor would be able to force you into ruin (ask them who would be joining their suit...and tel them you know it needs to be 3 to do it).
But let talk around the bigger issure...are you so far in debt that you are have problems maintaining adjectives of your debts, or is it just this one. If you are surrounded by so deep that you are borrowing and petitioning for money just to remuneration your creditors, it really might be time to consider filing liquidation.
http://www.lawdog.com/bkrcy/lib2a1.htm#i...
A creditor cannot force you into bankruptcy, specifically a legal manuever that you must chose for yourself. In reality, most creditors want to avoid you going into bankruptcy, because if you be in motion into bankruptcy they enjoy little chance to draw from any money.
Now many collection agencies will product wild comments resembling "you'll be thrown in jail" or "we'll force you into liquidation!" in a strong-arm attempt to draw from you to pay them sour. These types of comments skate very close (and recurrently break) federal laws and regulations concerning collection whereabouts.
And a bankruptcy includes adjectives of your debts and all of your assets, although several forms allow you to retain some property, approaching your home, one car, etc.
Good luck
I don't know which is better, but your local Citizens Advice Bureau may be capable of tell you, or the Insolvency Service, London W1 may know how to help. I be made bankrupt when my partner embezzle my business. I was discharged after three years, that be nearly five years ago, since then I own had A1 credit rating, it wasn't so bleak. I also lost my home and everything at the time, so they couldn't touch that anyway, but your home, car and everything may be at risk if you are declared broke, I don't know if this is the same for voluntary report, the Insolvency Service or CAB can tell you. Once you are broke, I believe it includes all your creditors. I don't even know which creditor made me insolvent, or if several of them did, my partner got away next to it though, somehow. For those three years, you cannot apply for credit over the amount of lb250 without the Insolvency Practice's prior approval, to be honest, it gave me the unpredictability to get my existence back together again. I be unable to work through bug, so they couldn't take any wages, but I don't know what the proceedure is if you do work. It feel like the wind up of the world at the time, but it really isn't that bad, and its a immensity off your mind, no more phone call and bailiff visits or threatening post. Once you are bankrupt, no existing creditor can chase you for money, as far as I know. And as you technically cannot run up any more debt, no topical ones can either. Get some professional warning tomorrow before you produce that decision, but do do it tomorrow, formerly a creditor takes that ruling away from you. I don't know if its less than three years or more if you run voluntarily bankrupt, but again, the CAB or Insolvency Service can detail you. You will get through it, it really isn't that doomed to failure, and really is so much better than owing money all over the place. Its okay populace saying recompense your bills, but when you get to a spot on point, there merely isn't the income to cover it, and you still have to munch through, sleep somewhere, have heat, lighting, get around, wear clothes. Good luck, whichever bearing, it will be a release. God bless.
You cannot be forced by anyone to file liquidation. I included a couple of websites below that cover the basics of ruin and has adjectives the forms to get you started. But do find an attorney and trademark sure you all your debts in place.
Hope everything works out for you. Remember your not alone.
depends if you are UK or not. but if you are then they can report againgst you, despite what other people hold put here. however why would they want to force you into a position where they are going to go and get nothing put money on and the debt written off - unless they know you own got assetts, similar to a house, that can be sold to pay them
and it would include adjectives your debts.
they would rather bring you into an IVA, at least that passageway they get something put money on.
I enjoy a 720 credit chalk up is that average or above average?
Question:
Answers:
It depends on which score you are discussion about.
I recommend:
1) If you get the Vantage Score, than it is below average and the median, closer to a C-. Average Vantage score for US is 736.
2) If you get the FICO score, than you are a bit above average but at the same stratum as the median. Fair-Isaac has said that the median FICO gain in the US is 723.
3) Note within is a difference between average and median.
Just Be!
Although 720 is very polite, it is not ABOVE average excellent -
You should be able to buy anything on credit beside that score -
Keep it up -
above average; i judge the average is 600s-
CBS: "The best number to have is 720 or above. If your gain is 720, there's really no need to try and tilt it because lenders lump you in like category as folks with a gain of say 800 or 820."
That's a unbelievably good ranking. Keep up the good work. Here's some information nearly FICO's scoring system.
-MM
above average. i believe the highest mark you can get is 850.
Above average. Most loan company stop giving you better rates after 720. Occasionally is 740 for best rates but mostly 720. 850 is reliable but no one really have that. The highest I enjoy seen is nearly 800 which is rare. You own great credit. Dont let anyone detail you otherwise.
Now for the rest of the answer.
Score wise you are above average. The national average for FICO is around 675.
But it really depends on what make up your score.
PROFILE NUMBER 1.
If your evaluation is based on 1 credit card near a $500.00 limit salaried 15-times and a couple of student loans like plentifully of young peoples is afterwards you do not have fitting credit.
While this profile makes for a great rack up it doe's not show the ability or the keenness to actually discharge anybody.
PROFILE NUMBER 2.
What you need is a mix of 3 credit card accounts (revolving) beside balances below 30% of your credit confine and 2 autos, boats, homes, furniture or personal accounts (installment) all next to good long contribution historys.
I look at credit everyday nad I see people every month near scores resembling yours that are based on profile number 1 above and they can not draw from approved to buy a car.
So, approaching I said, it really depends on what makes up your evaluation not what your score is that counts the most.
above average
What age do you hold to be to own a credit card?
Question:
In Australia)
Answers:
In United States its 18, you enter a legal binding when you apply for a credit card and you are required to be 18 or elder to enter a legal binding within the US
yes, 18 to go into a officially recognized contract
Hi
http://creditcard.creditinspector.info... has excellent info related to dealing near credit cards. Check it out!
18
I signed a sports car loan for my brother. How long do I own to keep on to remove my label?
Question:
My brother have no credit and I signed a motor loan for him. I'm the main owner and he is the co-signer. I other paid my loan in good time and my credit score is above 800. How long do I enjoy to wait to remove my cross out of the loan? The loan is for a $25,000 car.
Answers:
Auto nouns is what I do for a living and it's jointly your vehicle and your brothers car.
As far as answering your cross-examine, it depends on the reason for need a co-signer.
If it was removal of credit, your brother needs to clear around 18-payments using his personal checking account and generate sure he keeps the canceled checks. This route he can prove that he is the one making the payment when he refinances the vehicle.
If instead is was due to debt to income, you will own to wait until the vehicle is any paid sour or your brother can qualify on his own income.
Until it's paid past its sell-by date or when he builds up credit and take a loan out contained by his name and pays your loan.
It's "your" sports car. It will be under your first name until the loan has be paid within full. You're at risk if he is responsible for making the payments.
Well you have to skulk untill the loan isnt paid or you could verbs it to your brothers name after a few months (i think).
WOW, you're a worthy brother. Yeah, wait a few months, and any take out another loan next to just your bro's term or transfer the loan to his identify. He should start building nice credit now.
drop by here agent idea's here
hope your brother is responsible because its you who has the most to lose out of the accord. Its going to be quite some time since you can take your pet name off, it may be not after its rewarded for.
umm u should ask them, and u should never co-sign...
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Until it is remunerated off
The requirement for credit base reduction?
Question:
Answers:
The need for a credit base economy is due to the certainty that most people simply do not own the money laying around to buy a contemporary car outright or to settle for a primary residence up front without financing it. Also, most consumers want and/or have need of (mainly want though) things that they can not afford today so they use credit to buy those things. If you want to buy anything with credit, such as a home or a vehicle, you will need to gain credit to establish a history of credit to show a lender that you are a good risk to them.
The credit base economy is more dynamic and have more liquidity than a cash or barter reduction. There is more money to be made by selling credit to buy goods fairly than selling the goods themselves.