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| Displaying 50 to 60 (of 79 questions) |
Page: 6 of 8 |
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User Name:
Anthony L
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Date:
January 15, 2007, 9:45 pm
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how long does it take to increase your credit score? |
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Answer:
Basically, this action of increasing the credit score takes a long time. First and foremost you are to start by pulling your credit report and your credit score to see where you are. But mind that one of the most important indicator, the rating agencies use, is how soon you pay, rather than what percentage. So, the mantra for getting a great score is to pay your bills on time, keep account balances low, and take out a new
credit card only when you need it. If you want to improve your credit score quickly, rapid rescore is a way out for you. With rapid rescore, things such as charge offs and collections can be corrected. Unlike with your typical credit report where changes in your score can take months or even years, rapid rescore makes those changes to your score in days. Since rapid rescore is often expensive, it is usually only done by people who are looking to make a high dollar purchase such as a home or business. From start to finis the rapid rescore process will take about a week. Usually you would talk to your mortgage broker about rapid rescore and they would set it up with credit reporting agencies. Depending on the particular companies, you are dealing with, the whole process can take anywhere from three to five business days. After the rapid rescore is done however, your credit rating will be permanently changed to its new rate. The amount of improvement to your credit score is for the most part determined by the types of things you are having corrected on your credit report and the overall state of your credit before the report was done. The difference can be a few points or hundreds if you have something major removed. Just one negative item on your credit report can make your credit rate drop quite a few points. Correcting that problem could potentially save you thousands. |
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User Name:
Marisol
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Date:
January 16, 2007, 1:28 am
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secured credit card verses a non secured credit card? |
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Answer:
Secured credit cards are an option to allow a person with a poor credit history or no credit history to have a credit card which might not otherwise be available. They are often offered as a means of rebuilding one's credit. Secured credit cards are available with both Visa and MasterCard logos on them. Fees and service charges for secured credit cards often exceed those charged for ordinary non-secured credit cards, however, for people in certain situations, (for example, after charging off on other credit cards, or people with a long history of delinquency on various forms of debt), secured cards can often be less expensive in total cost than unsecured credit cards, even including the security deposit. Secured and unsecured cards can be used to pay for goods and services. However, a secured card requires you to open and maintain a savings account as security for you line of credit; and unsecured card does not. Typically, a secured card requires an annual fee and has a higher interest rate than an unsecured card. |
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User Name:
Linda
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Date:
January 16, 2007, 8:19 pm
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what is mastercard secure code? |
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Answer:
MasterCard SecureCode is a simple and secure way to pay at thousands of online stores. A private code known only to you and your bank, your SecureCode enhances your existing MasterCard account by protecting you against unauthorized use of your credit card when shopping online at participating online retailers. To sign up for MasterCard SecureCode, you are to choose your own SecureCode and to follow the simple steps outlined by your financial institution. Every time you pay online at participating retailers, you will be automatically prompted to enter your own private SecureCode - just like entering a PIN at the ATM. In seconds, you gain added protection while shopping online. Just look for the MasterCard SecureCode logo when shopping at participating online retailers. As you choose your own personal MasterCard SecureCode, it is never shared with any merchant. A private code means added protection against unauthorized use of your credit or debit card when you shop online. Every time you pay online with your MasterCard or Maestro card, a box pops up from your card issuer asking you for your personal SecureCode, just like the bank does at the ATM. In seconds, your card issuer confirms it's you and allows your purchase to be completed. |
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User Name:
Daniel J. Brinegar
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Date:
January 16, 2007, 8:52 pm
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Do you have Edward Jones Mastercard applications? |
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Answer:
Unfortunately, we don’t have Edward Jones MasterCard applications. Among our MasterCard credit cards for all kinds of credit card history, you can find Gold MasterCard and Platinum MasterCard, Citi Professional MasterCard, Centennial MasterCard, Orchard Bank Gold MasterCard for a bad credit that charges affordable rates and reports to 3 credit bureaus monthly that can help you to rebuild your credit. Please, study the trems and conditions of all the credit cards carefully to find the card in accordance with your credit card history and your credit score. |
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User Name:
Joanne
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Date:
January 16, 2007, 9:43 pm
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Do you offer a card with zero interest for a year on balance transfers? We are a Non-Profit Organization and are looking for a credit card that makes sense for us. Can the card be in the Organizations name or does it need to be in the Executive Directors name? |
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Answer:
Yes, we offer a credit card with zero interest on balance transfers. For instance, the Chase Platinum MasterCard comes with zero-percent introductory rates on balance transfers for six months. As you accumulate enough points for a good credit score, you can find such a credit card among our MasterCard credit cards for running your business successfully. In this case, first you will use your personal credit as a guarantee. Later on, as you continue using a credit card, applying for the new ones and paying them off on time and in full, for not less than 5 years, you will be able to use your business credit history as a guarantee of your ability to pay. So, when applying for a credit card, you will have a right to give your tax ID instead of SSN, to refer the bank to a business credit bureau. To find out which credit cards are based on your business credit, you can look at the terms & conditions of our credit cards and find it there. |
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User Name:
Kayla Alcantar
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Date:
January 16, 2007, 10:21 pm
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When USA Credit called me and asked for my bank information, I gave it to them. Then they told me they were going to charge $79.95 to my account and I told them I did not have the money at this time and to contact me at a later date an the proceeded to charge my account making my account go negative. How do I reverse this charge? |
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Answer:
Actually, we don’t have information on charges or any other personal info. Our web sites, as find-best-cards.com in particular, aim at helping you and other customers to find a proper credit card for their needs among the great variety of bank credit cards. But we can surely tell you that it depends on your bank, your financial history with the bank, and your personal skills in resolving this matter. Thus, first and foremost, don’t argue with the bank. Try to see a branch manager, in person, and explain your matter. Be firm, polite, and understanding no matter the outcome. Besides, remember, banks want to keep you as a customer if you have a positive history with them, and they don't like people making up excuses. Admit your fault and then ask very nicely. Yes, ask the branch manager for help. Very politely admit that you made an error and request the fees to be waived. Also, ask if there is any way to prevent this in the future. They will have some type of overdraft protection to offer you. Accept it. It will be seen as a sign of your intention to continue your banking relationship. They want your business and that is a better way to show them that you will stick around since they have given you such a great service. Now here is the catch. They are probably going to give you a line of credit. If you are not good with credit, close it (but of course, not on the same day they give it to you). If you are able to keep it in control, keep it because this may help you if you ever make an error again. The bank wants customers that have more than one product with them. When you become a true customer they will be more than willing to help you out. But don't expect all the fees to be reversed unless you are a sweettalker. Usually, you can contact either your bank or credit card company, and they'll tell you what to put in the letter. Or, some banks have web-sites where you can submit requests to dispute charges as well. If you're lucky, they might take it right on the phone, no writing involved. So, ring your bank not the call centre! That’s what we advise you to do, and they usually take the charges off! |
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User Name:
michaela kehler
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Date:
January 17, 2007, 10:21 am
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I'm requesting for additional cards to be sent to me. I've accidently damaged the last 2 that I recieved and have been approved for. Thank you #5466725650869****** |
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Answer:
Well, as a matter of fact, it is not that easy to get an instant and guaranteed online credit card approval if you have your credit rating damaged and credit score reduced. In your case, we advise you to consider applying forFair Credit Cards or Bad Credit Credit Cards which are designed to improve your credit history. Our web site is the best place to help you find credit cards to repair your credit. Make use of the convenient online tools provided, compare credit card offers by the key points, such as annual fees, APR and other charges and choose a credit card corresponding to your current credit. Filling in our online credit card application, you can get an instant credit card approval if you qualify. Remember, if you manage fair credit cards or bad credit credit cards wisely, they can improve your credit history and boost your credit score in a relatively short time.
Best,
Manager of Immediate Credit Card Care Service |
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User Name:
josh
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Date:
January 17, 2007, 9:25 pm
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i have no credit history (insufficient history) and have repeatedly been turned down for credit cards and department store cards. i even applied for the "no credit/no problem" credit card featured on this site and was turned down.
i am recently married and my wife and i have been house hunting. she has a great credit score of 751. I of course dont have a number at all and so the the mortgage that we take out will have to be in her name. we are contemplating adding me as a joint account holder on some of her credit cards so that i can begin to establish my own credit, but she is worried that by adding me that her score will lower and therefore it will affect our interest rate on our home in a negative way. my question is, will adding me lower her score? ( i know that if i had bad credit it would, but i have no credit score at all!) and what should or can i do outside of opening a secure credit card to begin to establish my own credit? thanks............ |
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Answer:
As a usual run of things, by cosigning, you are accepting full responsibility for the debt if the other person does not pay as agreed. A cosigned account will appear on both your credit history and the other person's. All loans and credit card accounts that appear on your credit report will impact credit scores. I can truly tell you that if one co-signs for a credit card with someone and the person doesn't make the payments it can really screw your credit up. However, if that person is making the payments timely without any problems - then I'd say it won't necessarily hurt your credit. But at the same time it won't necessarily help it either. If you don’t want your wife’s credit score to be hurt, first of all you can build some decent credit history with the help of secure credit cards or no credit cards, and thus to accumulate points to have a decent credit score. |
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User Name:
Christine Maher
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Date:
January 24, 2007, 3:56 am
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do you have cards for people living in new zealand |
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Answer:
The present web site provides you with Best credit cards online such as Instant approval credit cards or No fee credit cards for all credit ratings and credit consumer categories. We do have credit card offers for non US residents, for instance, Canadian credit cards or UK credit cards which allow online credit card comparison and instant approval credit card application. But, unfortunately, we do not supply credit cards for New Zeland. Try using the search engine to find the credit card offer on other online resources.
Best,
Manager of Immediate Credit Card Care Service |
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User Name:
RIK MAWHINNEY
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Date:
January 26, 2007, 4:01 am
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whar do you concerned bad credit? |
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Answer:
Your credit is bad when you have a low credit score, somewhere between 0 and 350 points, as a result of which you cannot qualify for best credit cards like low APR credit cards or no annual fee credit cards which are meant for good-to-excellent credit only. Your bad credit is determined by the negative record in your credit report which contains financial information (whether you applied for a loan, how often you did it and how you repaid)and your personal data (job, income, address). All this is assessed by a certain rating system and is identified either as a good credit history or bad credit history. With bad credit, you still have a chance to get credit if you consider applying for one of the bad credit cards online which are guaranteed approval credit cards for bad credit consumers.
Best,
Manager of Immediate Credit Card Care Service |
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