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Posts Tagged Bad Credit

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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I have bad credit and need financing for my business to expand? Does anyone have any ideas on how to do this?

Jul 3

Posted by Banki in Small Business | 3 Comments

flavaa pyta:
I have bad credit and need financing for my business to expand? Does anyone have any ideas on how to do this?

Hello,

I have a small residential and commercial cleaning business that I am looking to expand. I have been shopping around for financing through traditional lenders, but due to my 518 FICO score and millions of charge-offs, I can’t get fianancing. I have applied to a few non-profits in the state that I live in. I have also been pitching my case to some friends. I don’t have any family that can help. They all have bad credit and so do much of my friends. I really do not know anyone with cash on hand either. I have been looking into getting an angel investor or a venture capitalist, but I do not know if that’ll work. I’ve posted an ad on Prosper and I never get responses. Again, I think that this is due to my bad credit. I am seriously running out of ideas. I have 15 months invested in this and I do NOT want to give up. Does anyone have any suggestions or can anyone suggest a place that can help me? I know I need to fix my credit, but I need the money to do it. Please, please, help!

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How to you achieve a credit score if you never used a credit card?

Apr 6

Posted by Banki in Credit | 4 Comments

KAT188 pyta:
How to you achieve a credit score if you never used a credit card?

How is bad credit and good credit determined, and given my situation, how do I make it better.
Please help because I’m thinking about giving a credit card a try since people owe hundreds and thousands of dollars on them, and somehow continue to be approved. Don’t get it.

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How can I get a credit card with rewards when I have bad credit?

Feb 26

Posted by Banki in Credit | 11 Comments

JayRust pyta:
How can I get a credit card with rewards when I have bad credit?

Hi. My wife and I both have terrible credit, and are looking for a credit card with rewards such as cash back or sky miles. We use our visa cards that are tied into our checking accounts so much that it is a waste to not get rewards, but it is hard to get rewards with bad credit. Any advise?

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What is the best/easiest credit card to get if you have bad credit and are trying to improve it?

Feb 23

Posted by Banki in Personal Finance | 10 Comments

ajoytalent pyta:
What is the best/easiest credit card to get if you have bad credit and are trying to improve it?

I’m sure some people might say having no credit card is best..but to build up credit you have to start somewhere!
My friends credit is ike 580 or something, and I told her i would look into it.. Thanks!

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What is the best credit card to transfer my Citi balance to?

Dec 23

Posted by Banki in Credit | 3 Comments

chemstudent pyta:
What is the best credit card to transfer my Citi balance to?

I have $3,000 on my credit card. The interest rate is 18% which is rediculous. It is the same rate that I had when I got the card at 18 years old, and I’ve made every payment on time. I am 24 now. I have no bad marks on my credit. Shouldn’t I be able to lower my interest rate and get out of the freaking student interest rate? Thanks!

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How much does credit affect your ability to get an apartment?

Dec 7

Posted by Banki in Renting & Real Estate | 4 Comments

Y pyta:
How much does credit affect your ability to get an apartment?

i have bad credit, but i dont know what my credit score is yet, i have good rental history have been in the same apartment for 3 1/2 years. how much does credit really affect my chances of moving into an apartment.

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