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stlsigma2 wants to know:

Or are they refund credits also like Earned Income Credit?

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is4176 wants to know:

I have a collection item on my credit report for $245, I have paid it already. How can I remove it from my credit report? Is it better to talk to the collection agency to remove it or directly to the credit bureau? Tnx!

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kenny9678 wants to know:

I’ve owned 2 credit cards for approximately 5 years and now have student loans to pay off as well around 30k. What or where is the best place to get a credit check done? How easy is this and can it be done online? And once you have it done once is there a company that will provide anymore future checks for free?

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Punky Do wants to know:

My daughter-in-law just left on a trip with the children. She left my son with a note telling him about $75,000 of credit card debt that she has run up during their marriage. He had absolutely no idea that these charges were made. We suspect that she was giving money to her sister and family. Perhaps they even signed for the purchases. Is he going to be responsible for this debt? He is planning to separate and eventually divorce.

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ecolink wants to know:

We are traveling from the United States and want to be prepared. Are credit cards accepted at most restaurants? Shops? Hotels?

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redeyefredeye wants to know:

She has went bankrupt twice and there is nothing i can do about it. The credit report is in both of our names because the state requires it. You cannot stop her from getting credit cards and ruining your credit unless you get a divorce. I dont have a credit card and on my credit report there are 16 credit cards with 4 in default? I am sick.

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Tricia0430 wants to know:

I just turned 18 and I want to establish my credit. I already own a car so I don’t want to get an auto loan to start establishing it. I want to get a credit card with a low credit limit so I can start establishing it. Where are the easiest places to get credit cards?
My bank does not have credit cards. I also do not feel like changing banks because I have been with this one for 2 years.

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tgent2k1 wants to know:

I have 4 credit cards (limits are 1000, 3300, and two 500s) and was considering getting rid of one 500 credit card. Should I pay the whole thing off and KEEP it or GET RID of it??

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meowcat wants to know:

I am selling my house (it was an investment property that I am flipping) and using the proceeds to pay off credit card debt that I have incurred while redoing the home. After the house is sold all my cards will be paid off and the only things I will have to make payments on are my car and student loan. I was wondering how long it will take the credit card companies to notify the credit report of their zero balance status? Can I ask the credit card companies to report the paid off status to my credit report immediately? Also should I close most of these cards or close them? How should I decide which credit cards to close and which to keep open to keep a high credit score? ( I have never had a 30 day late on any of my cards) I want to do whatever I can to improve my credit score the most.

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Ms. Kitty wants to know:

I was going to consolidate two credit card onto a new lower interest card and cancel the old cards. However, I was informed that closing the old cards would not look favorably on my credit report. I thought this was strange as good credit reflects on your credit report for 10 years and keepin the old card open whould make your debt ratio higher. Can someone explain this to me?

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Kat wants to know:

I know having too many is not good for a person’s credit score and looks bad to those checking this credit. But not having any credit (such as cards) is not good either. So is it best to have more than one card?

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Randall M wants to know:

I know that credit repair agency’s send out letters that let the credit agency’s know that there is negative items on your report that is wrong in one way or another, but I am wondering if it is better to do it myself or not.

Thanks.

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ak momma wants to know:

I payed a delinquent phone bill four years ago. This is still making problems for my credit score. Can I write to the credit companies and ask them to remove it? Thanks!

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Rainy wants to know:

we have a small business and want to start excepting credit cards as payment but don’t know where to start ?? do I call the bank or visa or master card ??

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Tiffany wants to know:

I am a minor with a checking and savings account solely under my name. But my bank doesn’t offer credit cards!