what does "age of oldest trades" be going to? this is one of the reason why a entity get denied for credit.
Answers:
This means that the age of their oldest debt is not greatly long. Basically it is saying they stipulation to have credit beside their current creditors for a longer time before they will be approved for a loan next to that company.
what's the difference between pre-approved and 'personal invitation' credit card?
Answers:
Read the fine lines, Pre-approved, you are approved, but many enjoy hidden fees to elicit the cards, or some astronomical amount like $75-$100 for "membership". Some will single let you enjoy credit to certain catalogs, etc., and not as implied as a true charge card. A personal invitation is singular a fill out and you may or may not go and get approved based on credit worthiness.
Other Answers:
a pre-approved card technique that you are PRE-APPROVED to get that OFFER but that doesn't parsimonious that you are pre-approved for that application, cause you still might carry denied.
I am not aware of personal invitation cards though.
The envelope that the bank sent the application contained by.
It's all marketing hype to lure you contained by.
How can I find a credit card if I enjoy no credit? I'm a college student...?
Answers:
Do your homework! there are abundant companies that prey upon college students with their credit card offer. They figure that you don't know the world of nouns. I would suggest that you learn as much as you can, after pick a credit card offer that make sense. Here are some websites you can visit. There are plenty more, only G00GLE it.
Other Answers:
when i first went to college...i must own had at lowest possible 5 offers a week.
budge to your bank and find them to recommend the best offer for your situation or apply for your choice card.
if you don't bring back it...just skulk for it--i guarantee as soon as the student offers clause has your address you will be getting tons of "preapproved" adjectives kinds of cast-offs.
Many credit card companies will issue cards to college students based on the reality that they have no credit because they are starting out. The downside is that the interest rate is usually highly high. I would check surrounded by your student union. I'm liable to bet that there are applications somewhere that you can pack out.
How can I bring my side history from a closed credit card narrative? (Providian)?
I need the info to establish that it is historic the Statute of Limitations.Answers:
If it has be over 7 years and they have not sold it to another company it is stale, but if they keep sending it to different credit collectors it stays initiate until they stop doing that. Each time one of them buys it, than it is open to shift back on your credit report...Lady
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if it's closed, pretty much the individual way is to do it surrounded by writing. do it fast though becuase companies one and only have to hang on to your closed account info for a indubitable amount of time
if the surrounded card is not too old the edge / company is sure to keep the history they will probably charge you something depending on the relation you have beside the service provider and will provide you with the duplicate statement
What is CCV no. contained by bank?
some body asked me to pay money by international credit card and asked my CCV no.Answers:
It's regularly called the CVV CV2 or CVC number - adjectives the same point.
Basically it's the 3 digit number on the back of the card (4 digits for AMEX) that usually follows the ultimate 4 digits of your card number. It's found on your signature strip.
It's used as a barrier against fraud and when provided proves the user have the card in his / her possession or at lowest has have sight of the card they're using.
It prevents inhabitants finding your number on e.g. a shopping receipt and using your card fraudulently.
Other Answers:
CCV is Credit Card Verification number. On the backbone of your credit card they will print this 3-digit number. That helps to prevent someone who may hold your credit card number from purchasing something.
If you own unpaid debt from Canada, is that a problem for studying contained by the US?
I have unpaid debt from a Canadian University (which is not my scorn, really). I now want to study surrounded by the US. Will my debt problem cause me further problems within the US? Normally one country's issues are not dealt by another, but US and Canada are somewhat close contained by those respects so I can't say.Answers:
The Canadian University may junk to release your transcripts to the new institution if the debt is not paid, but excluding that there should be no problem!
Other Answers:
rate the debt
The US and Canada use different credit reporting systems. As far as credit in the US go, noone will ever know it.
where on earth within canada can I achieve a credit crad near impossible credit at a small levy?
Answers:
Go to your local bank and ask for a secured credit card. They will ask you to put down a deposit - necessarily, payment within advance. You will consequently be allowed "credit" against this amount. As you make payments over time, you will build up your credit rating until the point where on earth you can get a regular credit card.
where on earth surrounded by canada can I bring a credit card next to fruitless credit at a small levy?
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doubt you'll get a credit card at any allowance
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at the top of Toronto tower...just want some of your energy to climb LONELY.....huahuahua
Source(s):
www.hadribotak.com.my
You entail to approach your bank for a "secured credit card". This is quality of like a debit card - you put money on the card first, and later use it until you run out. In effect, the bank provides the billing service, but you provide your own credit go together.
After you use this for a year (and you should use it regularly, paying it off every month), you will potential find that the bank will propose you a real credit card.
What site do I be in motion to purchase the free FCRA credit reports allowed once a year?
Answers:
annualcreditreport.com
It allows you to get a copy of your credit report from adjectives three major credit reporting agencies once a year. You'll be capable of see everything that's on your credit report, good and unpromising, and who's been looking at it, etc... but if you want your actual credit mark you have to compensate for it (usually about 5 bucks).
Other Answers:
http://www.experian.com
it does NOT supply you a credit score (none do!). the site programmed below is the one you want. The best way to hold on to tabs on your credit is by getting one report from a different agency every four months (for example, May - Experian, Sept - Equifax, Jan - TransUnion). Then repeat matching process every year.
You can also PURCHASE (as in, settle for) your score from this site when you decree your report.
Source(s):
http://www.annualcreditreport.com
Follow Up Question give or take a few piggybacking on mom's credit card?
This is a follow up to a question I asked more or less an hour ago.To sum up again. I have almost 14,000 in uninsured medical debt from 2004. I work nearly 35 hrs a week, part time, engender under 16,000 a year. I simply don't hold the money to start making payments to make a dent surrounded by this debt. Thought about file for bankruptcy but would resembling to talk to a attorney first.
In the meantime I'd like to draw from on my mothers credit card as an authorized user. My 1st question be would my bad credit ruin her good credit. Everyone who be kind ample to answer said no.
Some even said it would help to advance mine. This is what I had initially hoped but I'd approaching to know if this can improve my credit even marginally if I'm not paying anything on what I currently owe (I simply don't enjoy the money)? Or is it the equivalent of trying to empty a sinking boat next to a thimble. A good endeavour but essentially worthless.
Hope someone can answer, preferably Jess, who was so assiduous before.
Thanks
Answers:
I worked for a credit reporting agency.
If you settle your debt regularly and in full, you will not ruin your mother's credit. However, as soon as you go down short on even ONE BILL, the credit companies will put that information on both your AND your mother's credit report. Just keep that within mind.
However, her credit history is her own. It will NOT improve your credit ranking to have her signed on the debt. Each human being has their own credit report which is uniquely their own.
Other Answers:
It could advance your credit rating as it would most likely be reported on your credit report and your mothers. Anything flawless on a credit report can improve your credit win, unless the card is more than 50% full. Sometimes that can count against you, using up too much of the credit line. As far as your medical bills move about, have you tried contacting the medical provider, especially if it be a hospital, and asking for them to cover the debt through their charity program. Have you contacted your state Medicaid office for assistance beside your medical bills, if you have a disability or have one at the time? Good Luck!
Negative/Positive information from an authorized user will never appear on the main person's sketch. The benefit for you is that your mother's positive informaiton will show on your report and it can help revolutionize your score.
In regard to your medical debt, you may want to ck with your state attorney broad to find out the statue of limitations for medical bills, ck it against the date of service, if it is past---file dispute with the credit reporting agencies beside documentation and if you still owe...contact the collection agency and work out a payment plan---start small---credit granting companies want to see some sort of redemption/that you enjoy learned something and trying to fix the situation.
Source(s):
I am a Credit Counselor Manager.
Ck www.brightscore.com
I didn't answer your examine before...frankly because it's silly! Sorry if I upset you but it is.
First, Rain is right. The only mode your mom's credit will help you is if she co-signs for a loan. Your mortal added as a user on her card does nothing to raise your score, because it's her card and her credit.
On the other foot, if you charge something to her card, and it doesn't get compensated, the late reports will ruin her credit.
You are relating us that you already have debts that you can't retribution, and here you are trying to get more contained by debt? How do you plan to pay for charges to your mother's credit?
Do not be ashamed to record for bankruptcy. Unexpected medical bills enjoy caused a great deal of people to crash down deep into debt, and they be forced to file for it. You will probably qualify for Chapter 7, and your bills will be wipe out. But you will have a difficult time getting credit for a while. If you don't plan to buy a home or saloon soon, it shouldn't be a problem.
Source(s):
http://bankruptcy.findlaw.com/new-bankruptcy-law/
is it true that when you use your debit card as “credit card” your credit gain would stir up?
Answers:
No- this is not true because ultimately, the money is being withdrawn from a checking and/or money account. A debit/check card, even when used as a credit card, is NOT a chain of credit and therefore will not affect your fico.
Other Answers:
False
no
No. It does not effect your credit. It does correct the fee structure charged by the card. Most debit card hold a fee for point of public sale use. If you buy something at a store and use your card (with the pin number) you are charged a fee by your dune.
If you use the debit card as a credit card, the merchant pay a duty, but you do not. The money for the purchase comes out of the bank vindication either opening. You can save the fees by other using your card as a credit card at a merchant.
Source(s):
experience
NO...it is really not a credit card...its a check card. It simply means if you hold B of A Visa "Check card" that if you use it as a check card that Visa will handle the transaction, and it doesn't carry debited from your tale right away, usually 24-48 hours later.If you used it as a debit card, B of A handle the transaction and it gets deduct from your account inwardly seconds.
I hold righteous credit and 1st time buyer, can i minister to my brother buy a rental property and not jeorpadize myself?
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I hope your brother is trustworthy because if your name is on the loan and he doesn't take-home pay, the bank is coming after YOU!! Just build sure you are financially able to convey his debts as well as yours or you could be insolvent and there go your good credit for masses years.
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When you co sign you jeapordize yourself.
what happens if the brother doesn't compensate? as long as you make payments for him , you'll be fine
If you want to serve your brother then afford him a gift of lolly (no strings attached). Don't loan a relative, friend, etc. money because it changes the relationship.
For example, my wife and I loaned a relative $3,000 several years ago because they be having financial problems. This human being has made no force to pay us wager on though they'll mention it occassionally. I'm bothered by the fact that this personage still spends money on unnecessary items instead of paying us back.
This is what I miserable by changing the relationship. Again, if you want to help out your brother, then confer him a cash endowment.
Scott........
Scott..
how may i gain the mode to comew your country minus money?
i want to come to your country but having no money so i want to ask you to make available me some forms to fill so that i may be capable of come to your countryAnswers:
you better stay in your own country and permit them support you
Other Answers:
Just walk across the border.
I don't know if within is a way for you to do that...Unless you stow away on a plane or a ship.Can you contact immigration for abet??
If you came to this country, you would still enjoy no money.
I suggest you try to save your money first.
Just bear a little stroll across any border. When you get hold of here you will be treated better than all of us poor bastards that hold to pay taxes.
If you are honest playing soccer, or Baseball you will not have any problem, a moment ago show what you have to some one here .
not man from this country you might not detect the subtle scarcasm in these answers - tolerate me be more direct - don't come here we don't want to support you.
what country are you from and where do you want to travel?
SORRY TO BE BLUNT, BUT IF YOU CAN SUPPORT YOURSELF-----
DON'T COME TO MY COUNTRY!
WE HAVE ENOUGH PEOPLE TO SUPPORT AS IT IS.
I think you would be much happier surrounded by France or Germany. They love to give free handouts to immigrant.
I heard the party the French have for immigrant are a real riot!
he's bogus
Will have a credit card next to a co-signer sustain my credit or theirs?
i know i cannot apply for a credit card under my own autograph because i have no credit report since i am a college student. i enjoy an available co-signer, but will this help my credit or the co-signer's credit when i use and pay cheque my credit card bills on time?Answers:
You apply for a credit card below your name and the pooled person. This will tender you credit so long as you pay the bill prompt. Read the fine print because alot of credit cards are only 21 days to settle up. If you default the burden falls on the reciprocal person, which won't be so right. If you want credit your better off buying a saloon or taking out a loan and paying it back. Credit cards are a practical joke and make it to straightforward to get into debt. Also in receivership laws own changed so it is not so easy to get hold of them erased.
Other Answers:
It will help both unless they own to many credit cards afterwards it could hurt them.
relieve your's hurt theirs if you screw up Your credit, tehy are in recent times there for protection reasons..say if you dont pay it will hurt the both of you, in recent times not yourself
It will abet yours. You should be able to apply for a card within your own name if you own had a checking tale for a while - ask for a low-balance or secured card.
Charge a reasonable amount (like $100) and wage it off over 3 to 4 months. Wait a month or two and do it again. After a couple of years, you'll enjoy a decent credit rating started.
It will help your credit if you pay cheque on time, but it will hurt both you and your co-signers if you don't repay on time. Unless you enjoy bad credit, you can apply for a credit card. Credit card companies love college students, but if you do take a co-signer, it would benefit both when used correctly.
it will assist you
It will help or hurt both depending on if adjectives payments are made on timethis is not ok have your parnets to receive credit card with your moniker on it pay on the dot you build your credit but don't your parnets to the cleaners either
neither
if you cant afford to put money on your own credit card at a credit union next you shouldnt have one what ever you speak about them you want on your card you give them first
when your done and built up your creit you will be capable of get your money you astablished the sketch with and consequently have a solid card co signs are bad i dont hold any co signs
i dont have worthy credit in 2 more years i will though and you can too beside out implimenting anyone
It will oblige both. make sure you can afford your credit card though because if you defaulting they can go after the co-signer even if you avow bankruptcy. Being a college student does not connote that you have no credit report.
You should check beside the credit bureaus. You can get free report from respectively of the three majors once per year. If you want your FICO score you will hold to pay a small extramural fee of roughly $5 per bureau.
You may be surprised at what is already on your credit report. It would be good to bring back inthe habit of checking your credit reports every year very soon. Personal financial knowledge is a powerful tool, and should be possessed by every babyish adult.
is near someone here that know of a business that can RIGHT NOW grant me approaching voice $500 credit via inetorfone
Answers:
HEY MAN I CAN HELP U . IM ME IF U R ONLINE RIGHT NOW.u must be a US citizen and above the age of 18.
Other Answers:
What is your current credit score?