Posts Tagged ‘Should’

How many credit cards should you have to rebuild credit?

I’m trying to rebuild my credit after identity theft, some of the problems were my years of principle and not loans that have been reported. (I mainly use my debit card and pay cash for everything). I make good money now and I am trying to build up to buy a home within the next few years. My good accounts (rental, club, cable, cellular, etc.) are not reported my good credit. How many cards should I take that will help my credit score increases, not hinder my credit. Thanks!

How and Should I correct 2 judgments on my credit report for that expire within the next 2 years?

I had 2 judments placed against me in 2002 & 2003 1) from the credit card company 2) from the debt collection company hired by the credit card company; for the same account that was closed in 2002.

Now that I am in a position to correct this issues and improve my credit score, what steps should I take to correct this matter?

Should I contact the credit card company or the debt collection company?

Can I have the judments corrected and merged so that they are only showing one, and then make payment?

Any suggestions would be appreciated, thanks

Should I merge my Buisiness with My Friend?

Hello Guys, I have just made a small internet Technology website and I am hoping to make some money out of it, it contains reviews and downloads and stuff like that. I am a really ambitious kid! Also, my friend is creating one as I gave him the Idea, he wants to merge our two websites toghether, his website is about Science and Technology, but I am unsure as I think there will be a lot of arguments between us from the smallest matters and I am worried that if my website gets pretty big, he will take half credit and half profit even if he helped a TINY BIT.

I need your advice on this guys, Should I or shoulnt I, he is a good friend.

Thanks!

My credit is merged together with another person. What should I do?

Hi, I am having issues with the credit reporting agency Experian as they seem to have mistakenly merged my credit with someone else’s. I have tried numerous times to call their line and all that picks up is an automated system which won’t allow me to dispute information such as name/birth date/social security number. Whenever I try to dispute information online, a message pops up telling me to call their line. It really seems to me that they have no people there who can actually speak with you. I have also tried calling Freecreditreport.com which is affliated with Experian, but there is nothing they can do about it. I have been trying to months to get this persons credit information off of mine to no avail.

The Fair Credit Reporting Act says that false information must be able to be disputed and has to be deleted if found inaccurate. Are they breaking the law here then, by not allowing me a venue with which to dispute my credit information?

Any suggestions? Thank you!!!!

What should I do, I have this credit card that I have been paying $100 each month for over a year?

the collection agency stopped taking $100 out of my checking account a few months ago and now they want the full amount. I don’t have $9000 to give them. They won’t work with me. THis is a credit card. Bank of America bought out Fleet bank (the original credit) Therefore bank of America bought out my account. I had a payment plan with Encore who was the collection agent for Fleet before Fleet and Bank of America merged. What should I do? I don’t have the money. I am living from paycheck to paycheck right now.
By the way, Bank of America hired Client Services to try to collect the full amount. Client services stop taking $100 a month from my checking account.

How many bank accounts and credit cards should I have?

I am currently a college student with 2 checking accounts (Wamu- 3 years & BOA- 1 year) and 1 credit card (Citi- 1 year). I have always met the requirements for my checking accounts and paid all my credit card bills on time. As for loans, I do have about $10,000 of student loans in debt. I was wondering if it is okay for me to get another credit card. Also, many say that having a lot of credit cards are bad for you. What is the reccomendation of how many bank accounts and credit cards should I have so that my credits would not go down? Thanks in advance!

What credit card should I go for citi bank or bank of america?

I have a credit score of 700 and wanting another credit card. I was thinking about citi bank or bank of america. What one should I get? I only have one other credit card from Wumu. I want a credit card that report to the 3 credit bureaus every month. Anyone has either one of these cards, if so, what one did you like and why?

Who Should Apply For an Airlines Credit Card?

Airline credit cards are those that reward air travel points or miles to people who purchase items. People can easily redeem these points and miles. Airline credit cards ideally suit a specific user profile. Normally users of these credit cards travel regularly and are economically well off. Ideal Credit Cards Checklist: Airline credit cards generally have higher interest charges compared to ordinary cards. Thus, if people do not pay their credit charges on time, they will acquire a lot of interest. In addition, if you do not possess good credit ratings, you plummet into an elevated interest bracket. Thus, you will not be eligible for lower APR (Annual Percentage Rate) credit cards. This makes airline cards extremely costly to own. It is also vital to pay other loans on a regular basis, since several rules connect your credit ratings across debts. This means that if a person possesses a bad credit rating in comparison to another owned credit card, it will definitely affect the credit rating in many airline credit cards. This will cause the person to pay higher rates of interest. On the other hand, if you are not an extravagant spender and not spending much through airline credit cards, then you will not attain enough miles to take a trip by air for a very long time. Thus, if travel is not fascinating or not accompanying a person’s line of work, then it will better to get a small APR credit card. However, if you do purchase airline credit cards, try using them whenever you go for shopping. Bear in mind to use the acquired airline miles at the first opportunity, you get. It is better to make use of airline miles for lengthy flights. Airline credit cards are best when people redeem them for airline miles. It is usually not worth it when a person redeems these credit cards on other products. Airline credit cards differ largely in terms of their package of offerings. There are different credit requirements (if a person has a good credit) and varying APR’s. Additionally, some credit cards provide extra air miles. In such a case, there is a charge of different annual fees. Bank sponsored airline credit cards enable a person to redeem air miles through several different airlines. With such sponsored cards, a person can use only the issuing airline. An informed purchase of these credit cards leads to free vacations for some and smart savings for others. Remember to merge the smart usage of these credit cards with informed purchase. If an individual selects and uses airline credit cards intelligently the only downbeat effect will be a jet lag. User Checklist: Before deciding to go for airline credit cards, a person needs to make it a point to check the credit history. If it is almost perfect or faultless, you fulfill one want of the ideal airline-card user checklist. If you timely pay your credit card loan, you can strike off the second requirement of the checklist. It is also vital that debts on other bills and credit cards are paid one at a time.