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Archive for category Credit

Can credit card companies sue an estate of someone who has died to collect outstanding balances?

Nov 18

Posted by Banki in Credit | 10 Comments

artis pyta:
Can credit card companies sue an estate of someone who has died to collect outstanding balances?

My father in-law has incurable cancer, and outstanding credit card debt of about $55K. Can the credit card companies sue his estate or children to collect the outstanding balances on his accounts once he passes away?

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How much does old bad credit affect your credit score?

Nov 10

Posted by Banki in Credit | 5 Comments

April B pyta:
How much does old bad credit affect your credit score?

I have 5 negative reportings on my credit report. None of them are after the year 2004. I am wondering since there over 4 years old, how much are they affecting my credit score? And, has anyone ever heard of credit card companies deleting accurate late pays if asked?

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How do i build a credit history in the USA?

Nov 10

Posted by Banki in Credit | 4 Comments

Looking for C pyta:
How do i build a credit history in the USA?

I am new to USA – been here less than 9 months and have a bank account with CHASE. I have a good salary and pay all my bills on time. But still CHASE refuses to give me a cresdit card and their reason is – You dont have a credit history!!Now if the ban kI have an account with otself says that they will not give me a credit card then how do I build a credit hisTORY?Are there any banks that will issue a credit card to me?

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what is the best way to build your credit score when you have no credit history?

Nov 3

Posted by Banki in Credit | 11 Comments

agula0 pyta:
what is the best way to build your credit score when you have no credit history?

I’m a new resident, i have no credit history. nobody wants to give me a credit card or a loan that i can start with, i did get a credit for a car but with 14% intrest! seems like I can never get out of this circle, you need good credit to get a loan you need a loan to build your credit.

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What credit card company offers the lowest interest rate and best reward earnings?

Oct 25

Posted by Banki in Credit | 4 Comments

Dana S pyta:
What credit card company offers the lowest interest rate and best reward earnings?

Im applying for my first credit card, just want advice.

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How do I get a statement for a credit card that is showing on my credit report?

Oct 16

Posted by Banki in Credit | 3 Comments

Angel Princess pyta:
How do I get a statement for a credit card that is showing on my credit report?

There is a credit card showing on my credit report and I didn’t know about this specific card. I have the name of the card, the card number and balance on this card. I want to know what it was used for. Can someone help me?

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How do you know the item on your credit report is from which credit burea?

Oct 15

Posted by Banki in Credit | 4 Comments

0808 pyta:
How do you know the item on your credit report is from which credit burea?

I got a credit report from a lender (the lender type of credit report), it lists 3 credit scores.

There is a same tax lien listed twice, one has account number , the other doesn’t has an account number. Which credit bureau should I contact for this issue? How do you know which item is from which credit bureau?

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What is the best credit card for a first time user?

Oct 5

Posted by Banki in Credit | 9 Comments

Pixie25 pyta:
What is the best credit card for a first time user?

I’ve never had a credit card before, just turned 25 this year and was wondering what credit card is the best to use “not saying I will get one” Just doing some research on which ones are the best and which to stay away from. Thanks for any help.

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Best way to learn about and establish good credit?

Sep 30

Posted by Banki in Credit | 9 Comments

David pyta:
Best way to learn about and establish good credit?

I want to learn about all the factors considered when a credit agency determines your credit score. I do not have any credit and would like to establish some credit. I do not have any bad credit either. I have already tried applying for a credit card, dell computer card, sams card, and have not been approved for anything.
I do not have any bills that are under my name. I was told by someone to go get a tv or something with no money down, but I do not need any of that. I also do not want to go get a loan and end up paying interest for no reason. I have seen several websites which give some info about this, but not enough. Can anyone give me any suggestions or recommend a book?

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How do you use a credit card to increase credit properly?

Sep 17

Posted by Banki in Credit | 8 Comments

Branden F pyta:
How do you use a credit card to increase credit properly?

I am 20 years old, live with my parents right now and go to college. I only have my cell phone to pay right now and take the city bus to school. Im not sure what my credit is but i know i was approved from my cell phone company and I get capital one platinum credit card applications in the mail.

- My question is how can I use a credit card right now to build credit? – Do you have any advice about credit card?

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