• My parents have horrible horrible credit history, and they just put my name as a joint account holder?

    My parents have a horrible credit history, and they just put my name as a joint account holder without telling me. I do not own a personal credit card of any kind yet. Will this affect my future credit history?
    My parents have a horrible credit history, and they just put my name as a joint account holder without telling me. I do not own a personal credit card of any kind yet. Will this affect my future credit history?
    22 answers · 2 days ago
  • In what instances will a credit card company take someone to court for debt?

    Best answer: If you aren't delinquent, they don't care. Make those minimum payments until you die.

    If you cease paying, they will write off the debt as a loss and sell it to a collection agency...they will be the ones to sue you.
    Best answer: If you aren't delinquent, they don't care. Make those minimum payments until you die.

    If you cease paying, they will write off the debt as a loss and sell it to a collection agency...they will be the ones to sue you.
    13 answers · 1 day ago
  • Pls need help how can I build my credit score the quickest way?

    How can I build my credit score fast? I am trying to sell my home to purchase another home, but the banks won’t approve me because my credit score is only 560 Are there any ways to build a credit score fast?
    How can I build my credit score fast? I am trying to sell my home to purchase another home, but the banks won’t approve me because my credit score is only 560 Are there any ways to build a credit score fast?
    9 answers · 6 hours ago
  • How do i change my credit card #?

    17 answers · 3 days ago
  • Would you give your chiropractor two debit cards in case one is a backup?

    Ok so here s the thing. Ive been seeing a chiropractor for about three weeks. Every 30th of the month I make one payment. I gave them my debit card which they ask for to make the payment. No problem. However they ask for two debit cards for a backup. Now before y all go crazy and start saying it s sketchy or I m... show more
    Ok so here s the thing. Ive been seeing a chiropractor for about three weeks. Every 30th of the month I make one payment. I gave them my debit card which they ask for to make the payment. No problem. However they ask for two debit cards for a backup. Now before y all go crazy and start saying it s sketchy or I m stupid so u can feel smart. I have not given them my cards...so tell me what would you guys do that give two debit card or not
    13 answers · 2 days ago
  • What are ways to build credit?

    13 answers · 4 days ago
  • My FICO credit score dropped 50 points? Help?

    I am a college student and I recently had to use one of my credit cards to pay for a bed, furniture, house deposit, rent, and things alike because I moved out of my old house into a new one with new roommates and I do not have enough money for all of those things at the moment. I used one of my credit cards with a... show more
    I am a college student and I recently had to use one of my credit cards to pay for a bed, furniture, house deposit, rent, and things alike because I moved out of my old house into a new one with new roommates and I do not have enough money for all of those things at the moment. I used one of my credit cards with a credit limit of $1,500 and I spent $1,300 with it. I payed off $100 and my credit score dropped 50 points the next month from 700 to 650. I will not be able to pay it all off until about 2 months later. Will this hurt my credit score much more? Will it raise my credit score back up after I pay it off? I have never missed a payment on my credit cards and I always pay more than the minimum charge. Any advice? Thanks
    10 answers · 2 days ago
  • Help! All of my vital information is missing!?

    So about a month ago my wallet was stolen with my state id, debit card, and insurance card inside it. I thought I'd go get a new instate id (moved from Texas to Washington a few months ago and hadn't gotten an instate id yet), turns out the birth certificate and social security card my grandparents handed... show more
    So about a month ago my wallet was stolen with my state id, debit card, and insurance card inside it. I thought I'd go get a new instate id (moved from Texas to Washington a few months ago and hadn't gotten an instate id yet), turns out the birth certificate and social security card my grandparents handed over to me when I was 18 we're just photo copies. I called my grandparents and they don't seem to have the originals or even a verified copy. So I don't have a debit card, identification card, insurance card, social security card, or birth certificate. What am I supposed to do? Every agency I can go to has a requirement of something or other from the list that I don't have. it doesn't help that even though I've ordered a replacement debit card online twice, my bank has yet to send me one and it's been a month! I can't go in and get a temporary card cause I don't have any valid id. Please help me I don't know what to do.
    4 answers · 4 days ago
  • How do I refinance my loan?

    I'm almost 25. Have about 10 credit cards (oldest is 6 years old). Never missed a payment. Also have a school loan and never missed a payment. Each credit thing on my credit card accounts (FICO/Experion/etc) says I'm around 710. I got a new car this weekend and have a 6.9 APR? That is way too high for my... show more
    I'm almost 25. Have about 10 credit cards (oldest is 6 years old). Never missed a payment. Also have a school loan and never missed a payment. Each credit thing on my credit card accounts (FICO/Experion/etc) says I'm around 710. I got a new car this weekend and have a 6.9 APR? That is way too high for my credit. When should I refinance? I feel like I should do it sooner than later? What does it actually mean to do this? Another lender pays off my current lender and I pay the new one off?
    7 answers · 1 day ago
  • Offices cashing a check then saying not paid: is this a new scheme?

    This has happened to me several times where I paid doctors office with a check. They cash my check then later claim I did not pay and want a copy of the cancelled check. This is happening too often to me. I write the account number. Is this a new scheme or do they simply not know what they are doing?
    This has happened to me several times where I paid doctors office with a check. They cash my check then later claim I did not pay and want a copy of the cancelled check. This is happening too often to me. I write the account number. Is this a new scheme or do they simply not know what they are doing?
    8 answers · 2 days ago
  • If I am paying a car and car insurance monthly, am I building credit?

    The beginning of this 2018 year I got a car that I would be paying monthly for and pay the insurance monthly for. Before that I didn’t have credit and I don’t have a credit card. But by paying this monthly am I still building up credit?
    The beginning of this 2018 year I got a car that I would be paying monthly for and pay the insurance monthly for. Before that I didn’t have credit and I don’t have a credit card. But by paying this monthly am I still building up credit?
    11 answers · 3 days ago
  • Will Sears eventually file for Chapter 7 bankruptcy?

    And if they do, would I still have to pay off my Sear's credit card?
    And if they do, would I still have to pay off my Sear's credit card?
    9 answers · 3 days ago
  • What to do if I gave my debit card number to a scammer?

    I didn t give him my pin or the number on the back of the card. It was an indian guy too. He kept asking me if I had another card available. Am I in trouble?
    I didn t give him my pin or the number on the back of the card. It was an indian guy too. He kept asking me if I had another card available. Am I in trouble?
    16 answers · 5 days ago
  • Better to have debt on one card or spread out on multiple?

    Best answer: I ran into the problem of not being able to get a loan because I had too many credit cards with too much credit available on them. It would be better to reduce the number down to 2-3 and use those on a rotating basis as your main card, keeping the others for backup in case the primary card you are using is... show more
    Best answer: I ran into the problem of not being able to get a loan because I had too many credit cards with too much credit available on them. It would be better to reduce the number down to 2-3 and use those on a rotating basis as your main card, keeping the others for backup in case the primary card you are using is declined for some reason.
    4 answers · 9 hours ago
  • Is it possible to get yourself taken off of someone's "authorized users" on a credit card account?

    When I was a minor my mom added me as an authorized user on her card. 15 years later she's delinquent on that card and it's hurting MY credit. I used it like twice when I was 15. Anyway, she tried to undo it online but it wouldn't let her. She called but they wouldn't let her talk to anyone until... show more
    When I was a minor my mom added me as an authorized user on her card. 15 years later she's delinquent on that card and it's hurting MY credit. I used it like twice when I was 15. Anyway, she tried to undo it online but it wouldn't let her. She called but they wouldn't let her talk to anyone until she paid $550 since she's so far behind on paynents. Can I contact Discover and have myself removed. Or can I fight this somehow? Thanks!
    5 answers · 22 hours ago