I am currently a college student with 2 checking accounts (Wamu- 3 years & BOA- 1 year) and 1 credit card (Citi- 1 year). I have always met the requirements for my checking accounts and paid all my credit card bills on time. As for loans, I do have about $10,000 of student loans...
Credit Secrets
What Is The Best Credit Card For An 18 Year Old?
I am only getting a credit card so that I can make small purchases and pay them off right away to build my credit. Please do not lecture me on how to use a credit card, I am already fully aware. I just want to know which credit cards have the lowest rates for...
When Will His Credit Be Good Enough To Apply For A Credit Card?
My boyfriend is in the process of clearing up some derogatory items on his credit. Once he has paid his debts how many months will it take for him to be approved for a credit card? I understand that the items will be on his credit for 7 years. Will he have to wait...
How Many Credit Cards Should You Have To Rebuild Credit?
I am trying to rebuild my credit after ID theft, a couple of problems that were mine and years of basically not having any credit reported. (I primarily use my debit card and pay cash for everything). I make good money now and am trying to rebuild in order to purchase a condo in...
What Happens To Credit Score If You Close A Store Credit Card?
I have a few store credit cards (Macy’s, Banana Republic, etc) in addition to a major credit card. I want to cancel some of the store credit card, but I don’t know how that effects my credit rating. I think closing credit cards in general lowers credit scores, but what about those store cards?
What Credit Card To Get At 18 And Not A College Student?
I always thought at 18 they love to give you credit cards, I’ve tried Capitol One, Chase, a QT credit card, and a Best Buy one. All deny due to no credit history. I obviously can’t get Credit history if they won’t let me have credit. I Work 2 jobs and just want to...
Secrets to Fast Credit Repair
When you have bad credit or a low credit score, the faster you can fix the problem, the faster you’ll have more money in your pocket. The interest rates you pay on loans will start falling, and you might even find the premiums you pay on life, health, and auto insurance will drop. So,...
How Do I Switch Credit Cards And Not Affect My Credit Score?
I want to get a frequent flyer credit card but I already have 3 credit cards with generous limits. I don’t need these credit cards and I would like to cancel them and have this “possible credit” to go towards the new card. I heard once that canceling a credit card has a negitive...
Why and How to Avoid Bad Credit Loans
A “bad credit loan” is the one you will be stuck with if your credit report is less than excellent. More specifically, if your credit score is not well above 620 you will be paying a much higher interest rate on your loans than most people. In this article, we will provide you with...
Is 24 Hour Credit Repair Possible?
You have seen the advertisements. “Fix your credit problems overnight!” “Buy our book and in just hours your credit will be fixed!” Many of these publications are like the supermarket tabloids and instant diet plans; they provide a pinch of truth with a dollop of wishful thinking. Can credit repair be instant and guaranteed?...
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