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Credit Starter
Asked by M.B. from San Antonio
on March 30, 2009
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i was wondering if anyone knows of a good credit starter credit card with low interest and apr. and also a good credit limit?? please let me know. thanks.
Answers
- If you don't belong to a credit union you can join, I would suggest that. My credit union is GREAT. I will NEVER go back to a regular bank. I have two secured cred...
- Another Dave Ramsey fan chiming in here. Please do not get a credit card just to "build your credit" (or encourage anyone else to do so...especially a teenager or col...
- My husband and I have found that the best credit card is American Express. It has a good rate. Now typically if you don't have any credit your limit is going to star...
Credit Help
Asked by M.D. from Dallas
on November 18, 2011
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Hi,
I would like to get any advice or suggestions on how to handle credit problems. Unfortunately, my husband was unemployed for several months, of course that too...
Answers
- If you are in the DFW area (they may be able to help even if you are not) then you should contact raiseyourscores.com. My insurance agent recommended the service. I ...
- The best thing you can do is find a Financial Peace University class at a church near you. If you can't afford the class, you can get the book "The Total Money Makeov...
- Hi M., I am a licensed Mortgage Advisor for 13 years in the DFW area and my entire practice is centered around Financial Wellness and recovering from financial trauma...
No or Not Good Credit, but Need a Card
Asked by K.S. from Dallas
on March 7, 2011
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Hi there!
I have little or no credit at all. been married almost 7 years. The only credit card we have he signed up for years ago and we have less than $9000 in ...
Answers
- I had the same problem. I had to get a "secured credit card" through my Credit Union. I had to pre-pay at least $250, but could put as much as I wanted on it and that...
- CC that are for no credit or bad credit: www.firstpremierbank.com www.firstsavingscc.com www.citicard.com www.orchardbank.com www.capitalone.com I had cards al...
- I've been there before a few times. You can go with an orchard card or first premiere. They generally help people with little or no credit. It will be a small amoun...
Housing Credit Checks
Asked by L.B. from San Francisco
on June 10, 2010
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Hello out there,
I am looking for an apartment and I found one that I have high hopes for. The landlord is going to run a credit check and I guess that will determi...
Answers
- You are allowed to get one free credit report per ____@____.com ...nothing to buy. It's the real deal.
- There are a lot of things that a landlord considers when deciding on who to rent to. Mostly is will you make good tenents (quiet, not destroy property, etc) and can y...
- Hello MS-Nguyen, I think all the advice you have been given is wonderful and really covers every part of the landlords need as well as your obligations and responsibi...
Credit Card W/ Rewards
Asked by K.M. from Chicago
on May 31, 2011
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My husband and I rarely pay with cash anymore. We buy everything with our debit or credit cards (and pay off the entire balance each month). Anyway, I've been thinking...
Answers
- I like USAA, but you can only use them if you or a family member is military. We just cashed in our reward points for $300 gift card to Walmart, but they have a lot o...
- We have our business cards through Bank of America. We run all expenses through it and other things as well. It is PAID IN FULL before a statement is even cut. There...
- We are just like you and have been for YEARS! We've gotten rewards for the past 11 yrs and make over $1000 a year just paying for our everyday things with our CCs and...
Trying to Correct the Credit
Asked by S.G. from Houston
on July 29, 2009
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OK...I'm pretty upset right now so I hope this comes out right.
I'm really good about checking my credit reports every year & making sure that the information is ...
Answers
- I don't know about the IRS thing. But, I can say that if you don't need more or need to increase credit any time soon, you can put a "freeze" on your credit report. ...
- Hi single MomG Yikes!!!! what an issue- You are going to need a good attorney- or perhaps go thru Legal Aid-(they provide help for free or almost free) Then, firs...
- Ok, take a deep breath. DO NOT PAY THEM!!! The debt has been passed to a debt collector. Yes, they will tell you whatever it takes to get money including the incorr...
Credit Card Debt.
Asked by M.H. from Hartford
on April 6, 2009
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Hello Ladies,
here is a question I am too embarrassed to ask my friends & family. Has anyone had to consolidate debt? I hear a bunch of ads for all kinds of companie...
Answers
- Its a good thing that you asked this question because I think that more people then not are in ( or have been ) in the same boat. When I found myself with tons of smal...
- When I found myself stuck in the cc debt rut several years ago, what I did was take advantage of cc offers to transfer balance for 0% interest over so many months. Wh...
- HI, I used a company called TCA (Take Charge America), they were GREAT!!!! Best thing I ever did. You can look them up on the web. Very helpful and postive. T...
Credit Card Debt, Are We the Only Ones?
Asked by J.M. from Boston
on April 8, 2011
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This is so embarassing but my husband and I have HUGE credit card debt. We have transferred things to lower interest over last few years and try to pay above the minim...
Answers
- Yes - but we are working through it. Dave Ramsey has changed our life.
- I used to feel the same way. I stay home too and my husband makes a great income but we lived paycheck to paycheck. I started an internet franchise part time. I now...
- We are FINALLY "in the black" (hallelujah!!! hallelujah!!!)... meaning that for the first time in nearly 10 years, we have savings (money left OVER 2 weeks after being...
Question About Checking Child's Credit
Asked by J.K. from Minneapolis
on October 8, 2008
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Ok, so I'm probably being a little jumpy here but here's the situation: I have given my mother in law my son's SS number no less than 3 times for them to buy him bonds...
Answers
- you can get 1 free report from all 3 credit reporting agencies 1x per year per federal law. i know if you go online you have to be careful which site you chose so may ...
- just so you know...they don't need the SSN to set it up...not even for a bank account... to control the issue, take control of it
- Here is what it says on www.annualcreditreport.com/cra/index.jsp FAQ: How do I request a credit report by mail for a child under 13 years of age? The credit rep...
Credit Card Debt
Asked by G.T. from Boston
on December 14, 2009
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Hi all. Over the past 2 years my husband and I have had our fair share of problems come our way - medical issues, dental surgery, car repair after car repair, THEN a c...
Answers
- i saw this post awhile ago and meant to respond - things will get better and the best things in life are free - but money is necessary to get by. it's nice you didn't ...
- I am so sorry that you have been going through all this! I will spare you the details but let it suffice to say that we found ourselves 30 grand in debt -- through ve...
- Hi G., I don't have a lot of advice for you but I want to just say I understand your situation because my husband and I are kind of in the same boat. Last year we h...
