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monicamellish wants to know:
I am working on paying off my credit cards because I am planning to retire in 3 to 5 years. Is it ok to close out these paid up cards all at one time or does it matter?
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neverforgotten wants to know:
My parents are willing to get me a credit card at 16. They trust me and i am responsible. I will also be paying the bills with my checking bank account. Can i get the mtvu credit card at age 16? My parents also think it will help me raise my credit history for the future.
thanks ren- i think if my parents sign it off i can get one
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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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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?
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Yahoo Answerer wants to know:
I want to make a new years resolution to pay off my credit cards, and I want to close them out to make sure I don’t get tempted to use them. Will that look bad on my credit score if I close them out, when they still have a balance? Also, do they carge extra for doing that? Thanks for ANY advice on this!
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Scagli3tti wants to know:
I called my credit card company and they said they mailed the credit card on Tuesday (1/15). When should I expect it to arrive at my home and do credit cards take longer to ship than standard first class mail?
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chickey wants to know:
My boyfriend and I want to get a place together. He has bad credit and I have basically no credit. How can we get an apartment? Is it possible? Any advice would be appreciated! Thanks!
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James H wants to know:
I have a low credit score. do i need to hire someone to reapair it, and who? wanting to try and buy a house in less than a year and i want to have a decent credit score.
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lmg wants to know:
I know that an old account will be deleted from your credit report 7 years from “last activity”. But what is “last activity”? Last payment? Last purchase on the credit card? Last contact with the company? Do the 3 credit bureaus have different definitions? Or do companies and collections have different definitions?
