OK I recently got my first credit card, unsecured (I got a co signer) I have about 4 months of credit history on this card...I applied for another credit card (Department Store) and got denyed...How long do I need to pay payments on my unsecured card to get an auto loan or more credit cards or even raise my credit limit...Im confused because I thought it only took a short period of time and I would be approved. Im more interested in when I can apply for an auto loan and get approved. What length of time of paying off this credit card? Thanks
133874
you can get a great card on www.entrustsystems.com/wow without a credit check or bank account. this card will help you establish credit or help you repair current bad credit, guaranteed!. All the information you need will be found on this website. good luck
310617
I know and used a Attorney, and all he ever did is helped people that have tarnished credit. He proved to me, he increased my credit score 100 points in 4 weeks. That is the first step, clean up your credit, then get a secured or unsecured loan.
439438
You need to get your papers out and read through them. Most car companies will just come repo it in the middle of the night. Sounds to me like you're buying a car from one of those $50 dollar a week no credit needed places. They generally are a lot tougher than a financing company like Ford or GMAC. Those two will send you a letter threatening to repo after you're 60 days late. Never heard of it being done at 30 days.
514025
My credit is of perfect condition. How did I get it this way? Simple. I only bought things I needed/saved up for and as soon as my Visa statement arrived in the mail I would write out a check, in full of the balance, and then mailed it out the very next day. I also had a $3500 car loan that has been paid off with no late payments.\n\nYou can always join a credit union and apply for a Visa. However, the more accounts you have open will negatively affect your credit score. Late payments on accounts, old unresolved accounts, over-limit amounts, bankruptcy, ect. will also negatively affect the score.
184676
I have horrible credit myself and couldn't even get a credit card. However, I could buy a car at one of those buy here pay here places that does in house financing. I have the payment taken directly out of my checking account and I'm sure once I pay off my Cadillac, my credit will be somewhat ok. The interest rate sucks but it is well worth it to repair my credit. If I don't I will never be able to buy a home. Even try one of those rent a center places.
277382
You apply for a credit card under your name and the joint person.  This will give you credit so long as you pay the bill on time.  Read the fine print because alot of credit cards are only 21 days to pay.  If you default the burden falls on the joint person, which won't be so good.  If you want credit your better off buying a car or taking out a loan and paying it back.  Credit cards are a joke and make it to easy to get into debt.  Also bankrupt laws have changed so it is not so easy to get them erased.
189887
It all depends on how bad of credit that you really have. It also depends on how much money you make and your work history. It never hurts to just go into a bank or credit union and apply. You might be suprised to find out that you qualify for more than you think. I work for a credit union and we have people all of the time apply for loans and get exactly what they want even without much credit. You have to start getting credit somehow, not to mention $1000 isn't to much of a credit risk for a bank or credit union. If you do get approved, just make sure that your payments are always on time and your loan officer will trust you with more of a credit risk next time. Hope that helps!
293523
What to consider ... DON'T DO IT!  You don't need a credit card.  It will only get you in trouble by allowing you to spend more than you make.  If you can't pay for it with cash now, how do you plan to pay for it when the bill comes in?  And if you don't pay the balance in full, they'll charge you interest, so the item you bought just cost you even more!  In fact, if you ONLY pay the minimum payment, it can take 40 YEARS to pay it off!\n\nOpen a checking account (assuming you have a job) and get a check card.  It's like a credit card (has the Visa or MC logo), but it takes the money straight out of your account so you CAN'T overspend.\n\nIf you only use cash to buy stuff and keep building your savings, you'll be SOOOOO much better off than 99% of your peers with credit card and auto loan debt.  Use cash for everything (except a house).  Don't even buy a car on credit - they depreciate too quickly.\n\nIf I had heeded this kind of advice when I was younger, I would have avoided SOOOO much trouble and wasted money in interest and fees.  As it is, I'm now debt-free (except the house) and LOVE that my money is my money, not some credit card company's or the banks'.\n\nDon't worry about your credit score - worry about your savings balance.  If you have a large amount in savings ($10,000-$20,000) when you go to get a home loan, the lender can SEE that you manage your money well, regardless of your credit score.
147418
If your credit is already excellent it is likely that the credit inquiry for the car loan lowered your FICO credit score much. When the bank starts to report the loan they will report the starting loan balance, the term and the monthly payment. \n\nIf you are replacing an existing loan it will probably in about 6 months increase your score. If it is a new loan where you didn't have any auto loans before then in about 12 months your score will rise.\n\nGood Luck
655571
If you want to maximize your credit, make sure to have the payments for at least twelve months.\nThe last time I went and bought a car, none of the banks would count my past auto loans because I had paid them off before a year was over.
43773
Why don't you contact the c/c customer service via their website? With a computer, you can get answers as fast as 48 hours. I have NEVER had any problems(knock on wood!) doing business with my bank or c/c company using their "help" or "ask us" section using my computer. All my payments have debited from my checking account on time and I haven't been late for a long time. The sites are secure and so far, I have not had my identity stolen or any other problems.\nThey aso have 800 numbers and you can talk "live" with a rep. \nIt is April and your problem occured almost 6 months ago. You better hurry or your credit will be shambles!
411156
A 683 score is pretty good. If all of her cards are always paid on time and not maxed out, then it would be a good thing for you to go on as an Co-Applicant, not authorized user. Her good credit will help improve your credit. It is a good way to raise your credit score. As far as paying them off, that is fine, but I wouldn't close them out. Also, you should keep some accounts open so you can keep a ongoing payment history showing. Paying off cards and closing the accounts isn't as good for your credit as you might think. Creditors like to see recent credit history. Just keep  a couple of credit cards at around half of the high credit limit and pay them on time every month and that will keep your credit looking good.
564893
The more you apply for & get turned down the worse it looks on your credit rating.\nThe best option for you is to take out small loans & pay them back preferably early as this will improve your credit rating do this 4 or 5 times & your credit rating will improve a lot.\nThe only companies that deal with unsecured/low or no credit score will charge an extremely high rate of interest & I mean high, for example Provident charged a total payback of £534 on a loan of £300, Welcome Finance are owned by Provident also now & most people get accepted by them because the payback is so high
339639
I got an increase about a year after I received my capital one card.  And the sad thing is you can't just call and ask for one because they don't do it.  So all you have to do is keep paying on time.  Keep your balance relatively medium-ish - eventually they will increase it without you knowing.  The plus side to waiting is that you DON't hav the higher limit.  LOL.
661204
Don't panic!  First, they're not going to come after the store.  Credit card companies can't really come and take things...that's why they call it unsecured credit.  Furthermore, they would have to go to court to get any kind of judgment against you, and even if they did, all they could do would be to go after your bank accounts (in your own name) or paycheck, but even that is extremely unlikely.  So, really, this isn't worth worrying about right now.\n\nSecondly, let's undo some misconceptions.  The minimum payment (not finance charge) that doubled is not because of any 'bad credit' statement.  It is standard.  Suddenly, lots of us are seeing the minimum payments increased, and it is something that results from a change in the law, not any decision that the credit card companies are taking.  The requirements have been made because many people have payments so low that they may never get out of debt.  The problem with such a law is that it has had the effect of suddenly whipsawing people into deep trouble that shouldn't have gotten there.  But we can't change that here.  Let's talk about how to deal with the new reality.\n\nYou can simply stop paying, but that may not be your best option.  It will affect your credit for real, and limit your options in the future.  You may also consider refinancing somehow, but this may only get you in deeper.  I think the best thing I could recommend is to get in touch with a credit counseling agency such as CCCS.  They may be able to get your monthly payments reduced back down to the level you were paying before.  It won't happen without some problems (such as cutting up your credit cards), but it should help you get out of debt entirely within about 5 years.\n\nBest of luck to you.
606461
You absolutely MUST pay it on time every month...and NOT max it out. You should try to auto-pay it out of your checking account, or through your bank, online bill pay. \n\nDon't apply for a bunch of credit cards now that you have one...pay this one on time for a while, and then ask them to up your limit. The more applications on your report, the lower your score. \n\nThe point about not maxing it out is also very important. If you get too close to your limit, it brings your score down. Try to pay it almost off...but not all the way. The credit card companies like it when you keep a very small balance. It's a racket, but you have to play it their way. Good luck! \n\nUse this motto..."if I can't afford to pay cash for it, then I really can't afford it." This will hopefully keep you from running up a credit balance. \n\nEveryone in the U.S. can check their credit score for free once every 12 months...I would recommend you spend the money though, and get your credit score too. \nhttps://www.annualcreditreport.com
118150
You must be 18 years old to get a credit card, unless you have someone co-sign it.\n\nSince one of the major parts of your credit score involves how long you have had credit, many parents are starting to get very young children credit cards.  They will occasionally put a charge on it, then pay it off.  By the time the kid is old enough to get a car, they have a decent credit rating.\n\nSounds funny, but when I bought my first car they almost turned me down because I had no credit history!  I had a very good job at the time, but was still living with my parents.  Then I went to get a home, same problem.  The mortgage officer decided to just let me have it based on my income.  I had no credit history to work off of! \n\nSo get your new-born signed up!