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Star wants to know:

We are working our way to buying our own home and only have 50 pts to go to get approved, but I would like to raise it a little more than that so we can get a little better rate. Would it be quicker to get a secured credit card that reports to the credit bureaus or is there a better way?
I have several judgements (civil small claims) from landlords in the past, and also some collections, mainly from the hospital bills. Is it true that both of these will stay on your report wether you pay them or not? I have heard that sometimes when you pay off everything it actually lowers your score even more…
Any advice is appreciated.

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maston h wants to know:

I have paid off all my depts. What are some good ways to build up my credit again. My credit score is 576. I don’t want to apply for loans because i am afraid of inquiries bringing my score down.

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MrMonkIsMyIdol wants to know:

I want to get a credit card just for purchasing things online like at amazon or yahoo. I am very responsible with money and since it would only be used occasionally I don’t want to be stuck with a bunch of fees for extras I don’t need. Are there any really basic cards I can get?
Don’t worry, I know that I’m spending MY OWN money and that you can overdo it and get in big debt which stays with you for a long time. I just want to buy a couple of things online and I have the money. Okay, yeah that sounds like what the typical person would say but seriously if I screw up with it that’s my problem, but thank you.

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Doug G wants to know:

I’ve opened a few credit cards lately, but don’t plan on using them, only for emergencies. Will just having 4 or 5 credit cars available for my use somehow hurt my credit score, or credit in general for future loans I might want?

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bird wants to know:

My family got lost from doing business , I decide to use personal load and credit card which is wrong way to solve problem. Now I am in the situation of bankruptcy. 90K USD.

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sqeezemypanhandle wants to know:

I tried to get a increase on one of my credit cards today and was told by the rep. that she could’nt because I had a credit protection statement on the account through Experian. Not a fraud alert, she says they are different.

Anyone know what this is, and why I could’nt get the increase?

I tried to call Experian, but I can’t get a live person. Arrrg!

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hopscotch20 wants to know:

I have a lot of debt and thought best to join a credit counseling agency for help. Now my credit has dropped 200 points and I want to buy a house. What do I do to improve my credit? Will I be able to get a loan for a house?