how can i attain an American Express Centurion (black) card?
Answers:
Maintain a Platinum account for at smallest a year, spending at least $150,000 annually, and save your account surrounded by good standing.
Then skulk for Amex to notice. Don't phone up them, they'll call you.
Other Answers:
you've get to be really really rich....
you dont want one. american express is horrible.
how can I seize a $3000.00 loan when no bank will loan me money (bankrupty surrounded by 1999 due to divorce)?
Answers:
If you had a banko surrounded by 99 you should be able to take credit at a higher interest rate. As long as you own no negative items since banko.Might try approaching a local financial company like sun loans.
Other Answers:
Sorry to hear nearly the divorce and your bankruptcy.
If the guard wouldn't let you any money, you can ask a friend or a close relative to lend you the money. It is even better because it is interest free.
How long after disputing an item on a credit report will the item be speckled as 'disputed' on the report?
Re-asking because of reading comprehension issues.(I don't think citizens are reading my question correctly. I'm not asking when they will be removed, I'm asking when they will first be explicit as disputed while being investigated.)
Answers:
I cogitate right away. I just have a dispute with one of the items on my credit report and they get the ball rolling right away and in 30 days it was resolved. If you enjoy further questions any ask your local finacial adviser or be in motion to annualcreditreport.com.
Other Answers:
According to the credit report individual I spoke to at Experian, it will be at least a month back any changes are done to your report. Thus, if you 'disputed' a event today, it will not show up on your credit report until exactly one month from today. And, to top that off, you might hold to check with them repeatedly to put together sure it's handled correctly and to fashion sure a resolution was found.
Source(s):
Experian.com representative
is at hand a route to buy online minus a credit card contained by ireland?
Answers:
If you do not wish to apply for (or cannot get) a credit card afterwards a 3V card can be used, pre paid vouchers that are permitted anywhere a Visa card can be used.
http://www.3v.ie
Other Answers:
Depends on delear...
though most of dealers give their bank side number... so login to your bank's website... transfer money to dealer's commentary.
As simple as that
I buy online all the time an I've never have a credit card in Ireland. Why would I? I've never be to Ireland.
I just now compensated stale a debt on my credit report, is my credit supposed to shift up?
I paid stale a credit card debt that I had, is my mark supposed to go up...save what can I do to make it turn up? Who do I call and what do I speak?Answers:
Credit is a fickle beast. Paying sour debt is a good entry of course; and most possible it would be good for you to keep hold of the credit card active. Closing an commentary drops your over all credit. Keep it unfurl and don't have more than 25% of of your available credit keep a tight rein on used up. This will give you a suitable debt to available credit ratio and should help your mark. There is plenty to learn roughly speaking credit. www.annualcreditreport.com
When I swipe a credit card/debit card at a shop, who manage the authentication?
Everytime I swipe credit/debit card at a shop, some authentication is performed?How does the authentication work? I also thought that the reading machine dials a number and authenticates the card.
Is this perform by a third party single entity or manage by different entities such as banks?
Thank You
Answers:
this authorization is done electronically but go through the companies which have issued you the card
what is the difference between a co-signer and someone signing on beside you or is that equal item?
Im in the process of buying a pre owned coup¨¦ and my credit is less than stella. The salesman asked me would i obligation a co-signer or someone to sign on with me. Im different at all this crap. Please help out CONFUSED IN SCAnswers:
Depends on what they are signing for.
If it is a credit reference (i.e. that you work for them or they don't know of any credit problems beside you) then they enjoy no liability (assuming they are not signing fraudulently).
If they are, in any opening, guaranteeing that you will pay after, yes, they are co-signing and will fall liable should the biggest signer fail to salary.
In this case they are looking for someone to pursue for the debt if you failure to pay ... a co-signer!
Other Answers:
yes sweetheart this is the same point, take some right advice, never ,never be a co-signer for a freind, they'll stick you for the bill everytime, even family unit will do it too so b-careful
Source(s):
life, settle judy
They are one in equal
Can they walk after my abiding information or/and my 401k? What to do best?
I have lost my situation three months ago! and have be behind on my bills BIG TIME. I own 25k worth of credit cards. - and have 55k within my 401k and 25k in my good account. If I dosh my 401k will lose 30% of it and can not take a loan out of it because I am no longer employed - I involve the money in my good account contained by order to stay a live and allow me to be paid the mortgage payment and hang on to my house??Answers:
401k's can not be touched through garnishments. Regarding bankruptcy, they also can't be touched unless you are taking grant off of them regularly, later that money is considered part of your income for calculating disposable money.
Saving is definately where on earth they will be going after. Since you don't have a brief, you have no wages to trimmings, and probably no personal property other than a vehicle.
It would not be bright to file collapse at this time. The court will look at your last year of income, and podium your "plan" payments on that. If you would hold off until January, your 2006 income will be used, which will be much smaller.
Cashing surrounded by your 401k is a terrible thought! How old are you? That's your retirement you are playing beside.
Other Answers:
Not unless they win some form of injunction against you.
FIRST and foremost. You entail to go out and get hold of a job. If you can't find a opening in the weekly wants ad. Then go to an employment agency. I know for a certainty THERE ARE jobs out near. My wife manages an employment agency and she is describing me all the time how within are jobs and she can't spread them because NO ONE wants to work. SO GET A JOB. But to answer your interview as a rule they should not be able to attached your funds or 401k. BUT if they go to court they might know how to get a settlement of some nice where the court might be capable of order you to forfeit your guard accounts or a portion there of. GOOD LUCK any way. Your 401(k) is past the worst unless you declare liquidation, then it is up for grab I believe. The answer on savings depends entirely upon the jurisdiction you live contained by. Unless you live in a lofty unemployment nouns, there are promising jobs, they in recent times may be ones you don't want. McDonalds where I live in reality pays reasonably in good health and I know in Concord NH they settle up better than many job where I live if you work full time and hours of darkness shift.
You have a bigger problem beside 25K in credit cards, the interest have to be on the order of 6000 per year plus penalty. That will bury you quickly even if you bring a good paying charge.
You need to bid a credit counseling agency and find even temp work. THEY WOULD HAVE TO SUE YOU AND OBTAIN A JUDGMENT AGAINST YOU INORDER TO GARNISH YOUR SAVINGS ACCOUNT. I AM LOOKING INTO THE 401K BUT I WILL NEED SOME MORE INFO FROM YOU.
PLEASE EMAIL ME AT icsowesmemoney@yahoo.com
I WONT ASK FOR ACCOUNT #'S OR ANYTHING, JUST THE TYPE THAT YOU HAVE
I despise BANK OF AMERICA!!?
Both question and answer.Write what you guess about BoA and how you get ripped off on credit cards.
Answers:
I don't know what you are chitchat about.
I own been a B of A customer since 1975(through acquisitions) and they hold been great. I own had adjectives type of credit products with them and they enjoy always be very responsive.
Good Luck
Other Answers:
i love ridge of america ... they do soo much for me there...
is here such item as have a glum credit win?
Answers:
No but a credit score of smaller amount than 550 means you will hold no chance getting a loan. Less than 620 will organize to you paying higher rates. 620 to 650 is average while above 650 is a remarkably good ranking. Credit scores reach from 375 to 900.
Yahoo! Finance offers a free credit ranking here.
http://en.wikipedia.org/wiki/Credit_score
Other Answers:
don't think so
No, i think the minimum is 350. such entity is what?
No, I give attention to 400 is the lowest. Below the mid-500s means you are pretty much an inadequate credit risk.
Credit score rage between 0 and 850Source(s):
personal view
Not possible.
If you have a FICO credit chalk up it is in the stock of 300-850. A score above 750 would be considered "Excellent" credit.
Check out www.myfico.com for info on credit scoring.
Good Luck
what is the difference between VISA and Mastercard?
Answers:
(m)
Visa and MasterCard are both payment systems, not credit cards contained by themselves. They rely on providers to issue credit cards using their system.
There are no significant differences between them. MasterCard and Visa are the names of the worldwide companies who manage credit cards. They can both be used around the world.If you're thinking of travelling, check which type of card is more prevalent surrounded by the countries you'll visit. MasterCard and Visa credit cards are both internationally recognised, but one might be a better choice than the other depending on the country you decision to use it in.
Other Answers:
They are both different credit cards, from two different companies (financial institutes)
Marketing... mostly.
Both set up relationships next to merchants (the stores you buy from and who accept credit cards) and bank and get fees as a result of this relationship.
Both work exactly equal way, however (they give in you credit and front the money to the merchants). Each may have it's own set of fees - so it's up to the merchant who (or both) they want to do business near. American Express tends to charge merchants more than Visa or MasterCard... that's why sometimes you see them not accepting Amex.
Also, respectively credit card company has its own set of rules as to what they're ready to extend credit on - for example, you're not legally allowed to use the credit card for some iffy purchases - if the card association (i.e. Visa or MasterCard or Amex... etc.) finds out that you are in infringement of their rules, they can fine you and even not allow you to use their card any longer.
Different Logos, Different companies, both widely accepted almost anywhere.
They both are credit cards from competing companies
I hope so to be exact
I own over rewarded a debt collector can i attain my money rear legs?
Answers:
You can get your money final - In fact, if you no longer owe anything on the statement, they will mail it to you. They cannot hang on to it, especially due to being audited.
However, if you still owe on the debt, it's unlikely you will return with it back. They will apply it to the principal on the depiction.
Other Answers:
yes, call them at dinner time......
Call a advocate.
2 things that you would show as a proof of overpayment (1) the actual bill (2) the receipt you get when you paid the bill.
You may show these within person, phone the company, or write a letter claiming for overpayment.
If no taking was given to you, next better luck next time my friend, your overpayment is a gonner.
dance and ask for it.
Will getting denied for a ridge credit card lower your credit gain, and if so by how much?
Answers:
The actual "denial" will not lower your score. However, the inquiry itself could own lowered your score, but singular a few points depending on the total number of inquiries. Try to focus on the factors which might own caused the denial: just now opened accounts, poor clearance history (late or missed), too many open out accounts (debt-to-income ratio), or even bankruptcies or liens. Improving adjectives of these factors, and keeping up next to what is on your credit report will make it easier on adjectives obligations. Good luck;-)
Other Answers:
No you lower your mark by not paying your bills off on the dot or at all.
Yes...because any application for a credit card requires a credit check, and any hit on your credit report lowers your overall score, anyone denied for a credit card will lower your credit score. I'm not sure how much; it credible depends on many factor, including outstanding debt, the frequency of other credit inquries, and late payments.
Source(s):
My 4 months working as a telemarketer for a credit card company right after big school (the WORST livelihood ever...but I did learn deeply about credit cards) yes, not sure by how much. But near are worse things about it. If you hold repeated denials in a short length of time, lenders tend to think that you are erratic and can't wait to spend money - not dutiful.
The good entry about this is once you are denied credit you can contact any of the big 3 credit reporting agencies (experian, TransUnion, equifax) and bring a free or cheap credit report (depending on your state) then you can see what others see, correct errors or flag issues. You can also see if ppl (like sports car dealerships or other cc companies) are running your credit & ask them to stop. Every credit check dings your score a bit.
You are allowed 3 inquiries on your credit per month without lowering your evaluation by industry standard. The more inquiries you have, the lower your chalk up will go depending on the number of inquries, unpaid payments, total amount owed, total debt available and a number of other factor. The denial itself will not lower your score. You are entitled to a free report once a year and you will return with a denial letter surrounded by the mail if the lender/creditor is contained by compliance iwth Federal law. Once you receive that you can get a free credit report from them per Federal canon. credit score arithmetic is alot easier than people expect
35% payment history
30% available credit (50% of your cut-off date is still available to be spent)
15% length of history (how long you have have your open accounts open)
10% unusual credit (are you filling out hot applications)
10% types of credit
Source(s):
6 years in credit industry and www.myfico.com
How long do inquiries stay on your credit report?
My inquiries are adversely affecting my credit..how long do they stay on my credit report?Answers:
Generally, credit card companies and banks will look at the later 12 months of history, If they are looking any farther back, they should't. Comapnies ussually report every three months or so, sometimes more. Let me distribute you an example of what a credit card report looks like and i'll move about over what it means to them:
CAP.1
Open date: 12/03 final reported date 3/06
High Limit 1000 Balance 850 Remit 10
CCC1CCCCCCCCCCC2
type of account Credit
This vindication is in biddable standing
BnkOfAm
Open date: 10/00 last reported date 1/06
High Limit 22500 Balance 15650 Remit 400
CCCCCCCCCCCC
AUTO LOAN
This portrayal is in suitable standing
This is kind of what a report will look close to, They will give the creditors moniker, The ammount of money that is allowed on the accound or the total loan ammont, subsequent is how much is left to be remunerated, the next is how much you wage a month (REMIT) The line of "C'S" is where on earth the good stuff comes... the c's denote that your account be paid for that month, when you see a 1 on the statement it means that you enjoy paid unsettled once in one month, substance that you might have rewarded a couple of days late, if you see a 2, that medium that you have rewarded twice late within 1 month, which means that you missed one month and you remunerated the next month deferred. about 75% of your credit gain is based on payments, the rest is mostly for ammount of credit cards in big limit, length of time of your expand account, how heaps accounts you have unstop that are unpaid, etc, etc. If you waut about 6 months and do nought but pay your bills in good time, you should be in the 600's the lowest chalk up that you can get is 350 the great is 800... a 600 score, is okay, but not great, you may not acquire all the benifuts of a 750 score person.
perfect luck hope this helps.
sorry!
iquiries just show up once on a 5 MONTH basis, similar to lets voice if youre applying for a home loan, if you appply of rthe same type of loan 18 times, it shows on your report but it only affects your credit by approaching one point, but if oyu have multiple inquiries for different things, close to auto, home, credit cards, H.E. loans, it may effect it more.
Other Answers:
There are two types of inquiries on your credit report: inquiries where you own applied for credit and inquiries where a business have pulled your credit report with a "permissible purpose" as defined by the Fair Credit Reporting Act. Your credit mark isn't based on inquires not initiated by you, inquiries by employer or your own requests to see your credit report.
Whenever you apply for credit, that application stays on your credit report for two years. A history of declined applications make you look desperate for credit. Lenders hate lend to desperate people.
Newton's answer is great, except that the reporting time is 1 year.
§ 609. Disclosures to consumers [15 U.S.C. § 1681g]
(a) Information on directory; sources; report recipients. Every consumer reporting agency shall, upon request, and subject to 610(a)(1) [§ 1681h], clearly and accurately disclose to the consumer:
(5) A narrative of all inquiries received by the agency during the 1-year length preceding the request that identified the consumer in nouns with a credit or insurance transaction that be not initiated by the consumer.
Also...
(3) Information regarding inquiries. Except as provided surrounded by section 609(a)(5) [§ 1681g], a consumer reporting agency shall not furnish to any character a record of inquiries within connection beside a credit or insurance transaction that is not initiated by a consumer.
Source(s):
Fair Credit Reporting Act
Inquiries are divided into 2 types:
Ones other lenders see, sometimes call "hard pulls" which you initiate to get credit. They will stay on your credit report for 2 years but only ones during the closing 12 months affect your credit score(With the exception of Rate Shopping that you might do for a car/mortgage loan, everyone done in a 14 morning window is treated as one inquiry)
Other inquiries are ones that solitary you see, sometimes called "soft pulls" also stay on your credit wallet for 2 years but never affect your score. These types are for insurance, marketing "pre approved" credit, Account Reviews by your current creditors and when you take copies of your credit reports.
If you want to learn more around FICO credit scoring go to www.myfico.com and look at the Credit Education sector.
Good Luck
Source(s):
www.myfico.com
I dont own any credit history at adjectives and merely turned 18. How do I start establishing a credit history?
Also no of any credit card companys that offer younger students a credit card to start getting a credit history?Answers:
ask your family circle or friends with fitting credit to add you as an authorized user on his/ her credit story. Mainly someone who has have an account sympathetic for at least a couple of years and is contained by good standing...one and the same information will show up on your credit report as if you had that description also for a couple of years
Other Answers:
apply for department store credit cards, etc.
First, get a opening. You need a steady income to carry credit. Then apply for a Wal mart credit card.
gas stations like chevron, smooth to get & low first performance line of credit.
Get a 'student' card through Citibank or visa and after put a low amount on it each month and payment it off contained by full every month. If you don't pay it bad in full though you could crease your credit so make sure your responsible adequate!
Have your parents put your name on a credit card. They charge a couple of things, close it and bamm you've get good credit. That's what my mom did!
Ok, here's a simple style. Get a gas card at the local gas station and fill your saloon up with it once a month. Pay sour your balance as soon as possible every month.
Credit card applications will soon be cramming your mailbox.
apply for a Department store card resembling Macy's, or a try Orchar Bank online.
Get a credit card to a department store, use it and pay it past its sell-by date each month. Department store CC's are usually deeply easy to get hold of. Once you've used it (and paid it off) for a few months stir get a visa or mastercard.
1) Get a PrePaid Credit Card (stored value). 2) Get residential rental contract within your name. 3) Get Telephone and Electric Utility within your name. 4) Buy an affordable automobile at a unusual car dealership. 5) Be forgiving, and PAY EVERY BILL ON TIME WITHOUT FAIL>>>>>>>>
Start off near things that have collateral similar to a car - you might call for a co-signer but once you've handled that loan for a couple years you should own no problem from thereon. Be very conservative beside your credit. Regarding credit cards, if you don't have the money, you can't afford it. It is much easier to build credit than it is to repair it. Good luck.
Purchase some items, and clear them off responsibly. Creditors approaching this VERY much, especially the younger you are. Credit cards are a good route to start out, maybe even a used coup¨¦ under $5,000. Pay it stale and MAINTAIN it, and it should help you comparatively a bit!
Sign up for a walmart/ old navy/ department store card.
Once you enjoy a balance impede of $500.00 start putting small items on it, pay it sour asap.
Do this for a year or so and you will start recieving offers for other cards.
Or unstop a bank accound, own it tied into a credit card.
To keep you rack up high never owe more than 1/3 of the card have available.
Your credit score is dependent on how reliable a spender you are. Credit is when you buy something that you cannot afford and surrounded by a way promise to reimburse back following. At your age the only TRUE avenue to building credit is using a credit card. If you spend reasonably and compensate all your bills in good time, never accumulating debt, you credit evaluation will slowly rise. You will also see that credit card companies will allow you to spend more and more per bill, because they trust that you have the later life and responsibility to pay it hindmost and know what you can and cant afford. Once you are older plentiful things affect credit from paying rent to keeping up with mortgages and financial obligation. Hope i helped.
See if you can't buy something approaching a second hand sports car, and arrange for payments.
Make sure you can meet the monthly payments, and trade name them on time. It may rob a few months, to build up your rating, but if you are careful, you will be on your process.
Often, department stores, or places like Home Depot, will bestow you a credit card.
Same thing again, don't stir over board, and pay promptly.
seize a job. win a bank vindication. get a credit card. put your gas and small expenses that you can settle up off monthly...procure a small car loan. wage it off prompt. get a cell phone. take-home pay the bill on time. surrounded by a year you will have established angelic credit. no credit is better than bad credit. behave yourself when you spend...be thrifty and your money will move about far.
There's a solution: A secured credit card. They are easy to acquire and several have notably competitive rates and fees. A secured card is one in which you start a savings narrative and agree that the card-issuing bank can use those funds to reward off your card match if you cannot. In essence, you are guaranteeing your line of credit beside the deposit.
Secured credit cards aren't the domain of deadbeats and bankrupt associates, as you might suspect. And the cards look and operate no differently from the regular credit cards your friends are using.
The institutions offering secured cards are some of the best-known in the nation--Key Federal, Bank One, Household Bank, Chase Bank USA and Citibank. You can poke about secured card offerings on Bankrate. While you're at it take a look at the Bankrate factor, "Baby-step your way to credit near a secured credit card," about secured credit cards. Good luck!
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or....If you belong, or are eligible to belong, to a credit alliance, try applying for a credit card from that credit union. The National Credit Union Administration Web site can oblige you find credit unions contained by your area.
Source(s):
http://www.bankrate.com/brm/news/credit-management/secured-credit-cards.asp
the most significant way to establish a credit history from cut into is to save money into your dune account.
if you can show a year or two of steadily increasing edge balance, preferably at most minuscule thirty bucks a week, you will be able to prove yourself.
remember to be currently employed when applying for a credit card.
if you are attending college already or within the fall, clear a student checking account near bank of america. They will furnish you a small credit card from $500.00 to $1000.00 that will get you on your route!
You're in luck! All you call for to do is go to any local automobile dealership and apply for a loan on a clean or a used car. Save some money and buy a vehicle. Don't make ANY behind or slow payments and follow through to the very wrapping up of the loan contract with the best of your potential and you will be started on the road to a solid credit history. Good luck! and Good shopping!
run to a bank and factor with speak like $300. Get a credit card from them next to a $300 limit. The ridge will generally hold your $300 for a year or more, but making payments prompt over time is more important than how much you create or pay a month for the sum.
several companies grant student credit cards. the first piece I would recommend is opening a checking statement (to me it is wiser then using a credit card to start out)...my daughter did this at 17 and they offered her a credit card when she turned 18 because of her worthy standing with her guard account.
Source(s):
personal experience.
travel to http://www.orchardbank.com and apply for a secured credit card. This is a credit card where you deposit money contained by an account, and your credit dash is that amount. The great thing give or take a few this is even though its pretty much a debit card, they report to the credit bureaus monthly which increases your credit score.
Source(s):
I file bankruptcy 5 years ago and I am re-establishing my credit immediately. This is something I learned within the process.
Really, being a student is the best course to get credit established. All the core credit card companies have programs set up for offering credit to college students that hold no credit history.
Also, if that's not your situation, usually someone like Sears, JC Penney, or other department stores are pretty flexible more or less letting you get a store credit card in need having plentifully of previous credit established. You might also try gasoline credit cards, but I think most of them don't exist anymore.
Finally, a notification: be careful in the order of establishing credit jointly near someone like a parent. It could work all right, but it also could backfire. I had a friend who tried to do that, and his mother ruined his credit by misusing the description and then not paying on it when she promised to. Any caring of joint credit is risky, even if you know the individual is trustworthy, because even the nicest people enjoy fallen on not easy times, and there's no telling what could take place.
Best of luck to you.
P.S. Having a good credit history is not nearly as central at your age as having a perfect investment strategy. Don't get mired in the borrower's culture. Be an investor instead!
Source(s):
http://www.statefarm.com/bank/stucredit.asp
I WORK FOR A FINANCE COMPANY, SO THE FIRST THING I WILL TELL YOU IS TO GET A GOOD CO-SIGNER, SOMEONE WHO HAS GOOD CREDIT. GO TO A FINANCE CO OR A BANK AND BORROW A SMALL AMOUNT OF MONEY, LIKE $300-$500, GET A PAYMENT THAT YOU CAN AFFORD SO THAT YOU ARE NOT OVER WHELMED, PLUS YOU HAVE TO HAVE A JOB, THAT WAY THE LENDER KNOWS YOU CAN PAY THE MONEY BACK. PAY YOUR PAYMENTS ON TIME AND KEEP THE LOAN OPENED FOR AT LEAST 6 MONTHS SO THAT FUTURE LENDERS CAN SEE YOUR PAYMENT HISTORY.
Stay AWAY from credit cards, or anything which have a limit beyond $1000
This country and virtually everyone contained by it has become a slave to debt. Don't agree to it happen to you!
start beside a debit credit atm card on yr bank acct
i would suggest any a department store card with a small minimum to start. You could other use CapitalOne... if you are not approved for a regular credit card, for a small fee of 100 bucks or so they will afford you $300.00 on a credit card until you prove your credibility with them. consequently after a year (with good giving history) it becomes a common card,you get your deposit posterior and you may also be eligible for an increase. GOOD LUCK! and make knowledgeable spending choices...
Source(s):
www.capitalone.com