What are the best ways to improve your credit score on a fixed income?

What are the best ways to improve your credit score on a fixed income?

I have little funds to work with. What are the steps I should take to get my credit report looking better?

Related :

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I cant find a credit report website that is free…. and without trials or to verify my credit card infomation?
so is there really a site out there, that is really free…. im only 20 years old, and i havent established credit. however, i need a credit scoree to move into my choice of home. In order to do that, i need a credit report. i have gone to site after site! Each site, i fill out all my personal information, at the end of the application, they ask for my credit card information…. so really its not free……. :( im trying to find a site that is free with no trials.???? any suggestions””
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“”Filed bankruptcy on my credit union, can I go back and reopen an account with them?

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“”Whats the best company to go to for a small loan for $500 with bad cred, that i can repay in a month?””
I need 500–600 dollars by this friday because my mom is going on a cruise and I promised her I would have it but due to hard times I don’t. I do not want to let her down. I don’t have the best credit but I can repay this loan in one month. I get the gi bill that gives me a check every month. Also, I kind of need it fast and I hurd of payday loans but which one is the best for someone with bad credit?””
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What type of cash flow can I expect to get for my family of 5 if I file CH 13 bankruptcy?
Our family makes just over 6 figures. Our home is adjusting and this is one option to get back in good standing.
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Where can I get a blank check auto loan with bad credit?
I have bad credit, not real bad but not the greatest. ‘m looking for a place that gives out auto loans but issues a blank check with a pre approved amount. I know roadloans used to do this but now they have a network of dealers you havr to go directly to which limits options and values. Any information would be helpful.. Thanks””
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What is the best Gba games? Give me the list .?
What is the best Gba games? Give me the list .
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What exactly does Private Mortgage Insurance cover?
And for how long??????/
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Auto Loan- Chapter 7 Bankruptcy discharged 1 week ago?
I had filed for Chapter 7 Bankruptcy which was discharged 1 week ago. My immediate requirement is to purchase /lease an automobile. Can someone eceommed some companies who will finance me in this situation. I have been told that not too many dealers offer programs for indiciudlas like myself and the ones that do, take a great advantage of situation by offering high ionterets rates and no additional discounts .””
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What is the credit card statement(PayPal)?
Q: Where do I find my PayPal code? A: Your unique, randomly generated 4-digit PayPal code is displayed on your credit or debit card statement next to or near the PayPal fee. In the item description section, you will see it next to the word PAYPAL. Allow a few business days for the PayPal code to appear on your online card statement. If you do not have online access to your statement, you’ll need to wait for your statement in the mail. This was the answer on the paypal help. well it didn’t really help because i still don’t know what and where the ‘card statement’ is or where i should look for it. and they charged me 1.5 $ which i’ll get back as soon as i give them the code. any help, please?:) oh yeah, and i waited a few days so i should have the code by now. READ: like i said. i don’t know what the credit card statement IS. so don’t tell me the code will appear there because i don’t know what it IS.””
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“”Small holiday home site buy — what type of mortgage? Commercial, business or buy to let? Help, please?””
We would like to buy a small holiday park in the UK. What kind of mortgage should we be approaching the bank for? We’re not sure if it should be buy to let, a commercial mortgage or a business mortgage. Any suggestions would be welcome. Thanks””
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Interest Rate on an Auto Loan?
Can anyone give an estimate of what my interest rate would be with a credit score of 630?
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What’s the best place to go for my 21st birthday?
Everyone knows that when people turn 21, they want to go to the most popular spot to drink alcohol, party, and have fun. Considering I’m turning 21 years old next year, I would like to plan in advance. With this being said, what’s the best overall spot to go to for my 21st birthday? Downtown Toronto, Ontario, Canada? Atlantic City, New Jersey? Miami Beach, Florida? Opinions would be much appreciated and I’ll choose for best answer, thank you.””
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Is 747 a good credit score?
I am 21 years old, making payments on a car and have 2 credit cards which I make regular payments on. Is this a good score? What can I do to get it higher?””
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How soon can a creditor report something on your credit report?
okay, I checked and they don’t report it as late.””
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Can I get an auto loan?
Ok, I found the car I wanted and at the price I wanted. The car is from a private seller. The car cost 5800, but I plan to down 3000. So I’m looking for about 2800 from a loan. Taxes and registration I can cover. Heres the issue, I have NO CREDIT!!. My parents have bad credit and my sister is NOT willing to co-sign for me, yah kinda messed up. She don’t want me to get the car because it’s better than her beat up car. She meanwhile wants me to get and pay off her a new scion tC! Skrew that ****!. So is there any possible way for me to get a loan. I don’t want to get a loan through the internet. I want a local bank. Is there anyway?””
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What determines if creditors are to take your house if I file bankruptcy chapter 7?
I live in the state of FLA in the city of Mia Gardens.
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What is an estimated interest rate on my auto loan?
Okay so i recently got a job, like I started last week. I really want to take out an auto loan for about $5,000. I bank with Navy Federal Credit Union. Since I just started my job I highly doubt i’d even be approved for a loan. Although, I am 18, i have no financial obligations, and I still live under my parents roof. I do plan on doing a down payment of about $700-$1500 dollars. I possibly will have a Co-signer with a credit score upwards of 800. So could somebody possibly give me a good estimate on an interest rate with and without a co-signer? It would be much appreciated.””
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How fast does an auto loan build credit?
I have been paying for a car now for 7 months. All payments are early or on time. I have also been approved for a secure credit card through the same lender of the auto loan. The car is far less than 15% of my income,( 5 yr loan) and the secure card has been paid on time or early, with at least 2x the minimum payment paid at a time. ( Now I just use the card for gas, and pay the balance as soon as the bill comes.) Where I’m going with all this information is: I would like to get a personal loan for a used motorcycle in the spring.. ( $4,000.oo loan MAX) and I also would like to get a mortgage ASAP. My credit score was mid 500s at the start of this adventure, with some old lingering medical bills on my report, no previous other debts, loans, or anything else. How long will it take to boost my credit enough for that sweet sweet home loan approval acceptance letter. THANKS! :D””
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Credit card debt affecting my enlistment?
Is BAnk of America and Wells fargo credit card debt considers as credit card debt for the MEPS? I’ts not capital one or such, it’s my debt on those two credit cards from those two banks. I have debt $600 each of them. Do the MEPS consider that as credit card debt? Are they gonna Disqualify me?””
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“”Can I get a tax refund advance similar to a payday loan, and if so, where do I go to get the advance?
I need help now to pay my bills and want to know if I can get a tax refund advance similar to a payday loan. Something other than HRBlock.
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No credit history loan?
im 20, but i dont have any credit history, does anyone know any banks or lending companies or anything that will loan me a few thousand, other than payday loans???””
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How can i get free credit report every 6 months?
hey,can you please tell me a way to get free credit report every 6 months””
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Im filing chapter 7 I have a credit card with my parents?
Im filing chapter 7 I have a credit card with my parents. Will my bankruptcy effect them?
“What are the best ways to improve your credit score on a fixed income?

I have little funds to work with. What are the steps I should take to get my credit report looking better?

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What is the most effective way to pay off debt?
I just graduated from undergrad and I have credit cards that I stupidly ran up. It is at least 8,000 now due to nonpayment for so long. I want to pay it off as soon as possible because I want to buy a home in the next 3 years…. Any suggestions? *I am a Bachelors level Social Worker so I am making peanuts…””
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Reputable website 4 yearly free credit report?
what website can i trust to get my once a year free credit report?
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Question Chapter 13 bankruptcy and foreclosure?
I filed a Chapter 13 Bankruptcy last year and have been on time with my payments and now I’m facing foreclosure. When they do finally foreclose on my house and sell it for less than what is owed on it, what will happen with the remaining balance owed on the property? Will my Chapter 13 payments go up and will I be responsible for the remaining balance on the property?””
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Where can you check your credit report for free?

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Can someone define mortgage please?
What exactly is mortgage and do you still get mortgage if you payed all the fees at the signing
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Cash advance??
If you transfer money from a credit card to a savings or just a regular bank account will be considered cash advance??What if the account is under a different person’s name but not bussines?
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Can the auto loan company hurt my credit?

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Which will raise my credit score sooner?
I used to think charging on the credit card and then completely paying it off each time was best, but I was talking to my bank rep. and she said to keep a small balance on the credit card and make large monthly payments instead. For example, if my credit limit is $500 then charge about $200 and pay $50 each month. Which is best?””
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I’m 18 and want a bank loan for a car?

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Is 6.49% a decent rate for a used auto loan?
If not, where can I find something better? Most other banks that I have tried are at least 7.24%. My credit score is considered excellent (730). Thanks.””
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Help with loans?
my partner needs to get a loan to buy a car. he has been unemployed for about a fortnight and has been offered a job but needs a car to get there. does anyone no of any good loan companies?
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How to get an auto loan with high debt to credit ratio?
I make around $31000 per year and am looking for a loan totaling around $6000 for a used car I found. My girlfriend’s father has gotten me a car from auction and now I need a means to pay him back. I have nearly $80,000 in student loans and have been denied a loan from all the lenders I have applied with. I find myself in a tough position as I feel I am screwing over my girlfriends father who did me a huge favor. Please help!””
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How can a lending legally change a due date for a auto loan?
We have a auto loan with (CPS) Consumer Portfolio services. In a battle for over a year now they change our due to insure more interest on the loan, without us giving permission to change why is this legal to do. If they can why make up a contract at all. I would not recommend the firm at all for any loans they are really un helpful with regards to working with anyone on loans.””
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What are the best Auto Refinance companies with low interest rates?
what are the best Auto Refinance companies with low interest rates
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Can you buy a house with a credit score of 632???
There is also a discharged bankruptcy 2 years ago….
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Can I get financed for an auto loan of $27000 with bad credit and just starting at new job?
I need a truck for the job i just acquired…I have a credit score of 550. I know most dealerships want to see that you have been working for 3 months but I have recently finished school and am in need of a truck for work. I am 21 years of age. thanks
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Can somebody tell me where to go for an auto loan when you have bad credit?
I’m trying to purchase a car but I can’t find anybody to co-sign for me. I was wondering if I could get a trusted loaners on the web which are reliable and acredited with low interest. I you have a personal experience this will really help me out. Please
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“”How to delete credit card info from iTunes? (no none”””” option!!)?””””””
I went on my computer, I clicked account””””””
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I really dont have that much credit but i have a bad credit.?
I owe a little money to some creditors and i was always late for my car payments before.Im getting married next year and my fiancee wants to buy a house after the wedding.Can i pay all of this credit now which is really not that much and not have trouble buying a house because of this?Im scared.
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“What are the best ways to improve your credit score on a fixed income?

I have little funds to work with. What are the steps I should take to get my credit report looking better?

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How young is too young to start your own business?
I’m 19 right now, 20 in February, and I have pretty much always just known that someday I wanted to just start my own business doing whatever it is I choose to do in life. Everything about the idea appeals to me, and I still would like to do that sometime in the future. Especially recently I have been thinking about it all the time, being increasingly unhappy doing that jobs that I’ve had and I’ve been thinking of more and more details of what my business would be. However, I know there are many, many obstacles to overcome before you can actually begin to start your own business, including financial requirements. That’s why I am asking what people’s opinions are of someone between the ages of 20 and 25 starting their own business and what specific obstacles you think they may face in the process or even how much money you need to save/take out a loan for before you get started. I would eventually like my business to be somewhat an eclectic fusion of interests. Firstly, I think areas around where I live would definitely use a place for teenagers/young adults to hang out, relax, hear good music, see/buy some art, have a good bite or a drink, and mingle. So I was thinking of somewhat of a hookah bar with a cafe and possibly also a bar. I personally have a passion for photography, so ideally I’d like to have my studio right next door to the cafe and possibly display some of my photos in the cafe, as well. My boyfriend also has a passion for sculpture welding, so I’d like for him to have his own studio space connected to mine and we could also display some of his artwork in the cafe. It would be ideal if there were a few apartments above the space we buy for all of this so we could make a little extra money on the side, so that’s also another factor in all of this is 2–4 rental spaces above the business. Lastly, I’d like to eventually be able to have musicians and bands play live in the cafe once or twice a month, as well as display the artwork of anyone who would like us to. So that is what my plan for my business would be like. So now I’m just curious exactly how easily or how hard someone between 20 and 25 and another partner between 22 and 27 could open up a business of that sort (how much we’d need to save/take a loan for and what obstacles we may face). Thank you! I really appreciate anyone’s input.””
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What is the hardest part when filing Chapter 7 bankruptcy?
I am obviously aware of all the consequences after wards. Thanks for you answers
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How did Millie the mermaid die on Jessie?
I didn’t see how she died. I just heard them start talking about her will and eulogy so I looked it up and found out she died but I don’t know how.
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Why did I get denied for an auto loan when I have good credit?

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Does anyone no of a loan Company that will give loans out with bad credit?
Thank you for the responses. I am from the UK so i most probally have to be a lender form the UK. Thanks
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Where online can I get my credit report for free without having to give a credit card?

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Clear bad debt history?
Left the UK 6 years ago without settling outstanding bills. Have tried to contact 1 company but told account now closed. Do they automatically close after this time. If so is it possible to have previous history of bad debt wiped?
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Is closing your bank account with payday loan checks out illegal?
I’ve heard that the best way to clean up your payday loan problem is to just close your bank account and pay the checks off in payments with the payday loan company…can anyone help me out with this question?
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Does a credit card with a high interest rate hurt credit report?
I have had a card for 10 years. It has a high interest rate. I never paid any attention to it because I do not carry a balance. Will the plain fact alone that it has a high percentage hurt my credit?
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Does this sound legitimate to anyone?
I’m a full-time college student who has maintained a decent credit rating, does not currently have any debts to pay and makes sure to pay my bills on time. I have never taken out ANY loans especially not from the internet. Recently I received a call from this company (don’t exactly remember the name) that has to do with Payday Loans and Quick Cash Loans that I owe them $300.00 for a loan taken out back in October 2009. They had my social security number and only the name of the bank I’m with. Then later I got 2 calls from this affidavit department saying I either had to re-pay this money or hire and attorney and take care of it in court. I called my bank and double checked my bank statements from Oct. 2009 even though I knew for sure there was no money wired into my account from a Payday Loan Company at the time for $300.00. This company never ever sent me anything in writing and contacted me all the way in May when this supposedly occurred in Oct. 2009. When I spoke to the first guy and asked him several times to tell me what date in Oct. this occurred he had no answer and when I told him to send something in writing he wouldn’t give me an answer. I’m a responsible individual and keep track of every amount that goes in and out of my account. The company is supposedly located in Brooklyn, NY and the two men sounded Indian but had very suspicious names that I know were not Indian. Can they legally sue me? If not what can they do? Should I be at all worried? Will this affect my credit or my financial standing in any way? P.S. They gave me a case number. The first man I spoke with said the money was wired into my checking account sometime in Oct. ’09 though he wouldn’t disclose the source of it. No useless or stupid answers. I only want helpful insight. Thank You!!!!!””
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Best credit card interest rates?
I just turned 18 and need to build my credit score. I was just curious on some low interest rate credit cards I can start off with. Please give me any helpful information.
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How long after can I purchase home after filing bankruptcy?

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Is mortgage loan officer still a good job?
I am considering taking a position as a mortgage loan officer but a couple of friends and family members are discouraging me. They say that there isn’t any money to be made in that business anymore. They say the housing market still sucks. They say that interest rates are going up (which is true). My thinking is that while it’s obviously not going to be as easy as it was to make money in 2005–2006 with the new regulations and whatnot but there still has to be opportunity there. And even though the housing market may not be booming right now, it’s not going to be down forever. What do you think? Is the mortgage industry something that should be considered? Or should I stay far away?””
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How to calculate EMI manually for home loan?

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Laura Hinen on Facebook does federal grants.Is she honest of grants or scam people?

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How do i get a free credit report without using a credit card?

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Is 681 a good credit score?
im 18 and ive been doing things to build my credit, i checked my credit score and its 681, is that good? Ive used a secured credit card and i have a cell phone, should i apply for a real credit card now?””
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How can I find out who I owe money?
I got a copy of my credit report from the car lot who did a credit check. I’ve found all but one of the people I owe, and i cant get help from equifax because you have to purchase a report to get their customer service number. How do I find this last collection?””
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“”Possible identity theft, how do you find out before its on your credit report?””
and how can you get a free credit report fast, no trails to buy no credit card numbers given””
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How does APR work on credit cards?
if i get this 5% Cashback Bonus in categories like travel, home improvement stores, department stores, gas, restaurants, pet stores and many more Up to 1% unlimited Cashback Bonus on all other purchases 5% to 20% Cashback Bonus through our exclusive online shopping site Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed 0% on Purchases* 6 months* 14.99%* None* N/A* No Credit History* what does that mean 14.99 apr.. and 0% on purchases 6 months.. it s a student credit card.””
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What is a fixed interest rate on an auto loan?
is the interest applied to the total loan or the monthly payment? whats good and why?
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Pros & cons on filing bankruptcy.?

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Finding APR for Financial Management class?
Bob will loan you money on a four-to-five arrangement, i.e. for every $4 he gives you today, you give him $5 one week from now. What is the APR for this loan? I can’t even begin to figure out how to get this answer. I thought you need to know the length of the loan first? My teacher seems to believe this is enough information though, so there must be a way. Help please! I am trying to review for my final, so I really need to know how to do this.””
“What are the best ways to improve your credit score on a fixed income?

I have little funds to work with. What are the steps I should take to get my credit report looking better?

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Is there a legal maximum interest rate on auto loans?
I bought a car at a buy here pay here car lot in Florida and I am being charged 24% interest. Is that legal?
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I am looking to consolidate loans. Need a 60k loan with interest less than 7%…any ideas?
Need a 60k loan to consolidate four or so debt into one……where can I go to find a loan with less than 7% interest…..payment can be 1,000 or so.””
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Where is advance america payday loan center’s at?

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#repost

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Whats the approval rate for getting K-1 visa for my fiancee from Philippines?

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Private Lenders?
Does anyone knows any private lenders, who works with Auto Loan brokers?””
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My current fico score with Experian is 585. All 2 auto loans and 2 credit card payments are made on time?
and have been. Balance on auto loan 1 = $8,000. balance on auto loan 2 = $9,500n If I pay my $4,000 credit card offfd(which leaves 1 card with balance of $1,000) and pay the two debts that are listed on my report, will my score increase at least 20 points?””
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Can i get a loan if my credit score is 524?
I need to get a loan for a car but my credit score is low. Where can I get a loan without being turned down?
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Credit union help: trying to build credit/get a auto loan?
I’m 19, and finished cosmetology school last year. I paid my way through school (nannying) but it didn’t go on my credit because it was a private in house loan. I now work in a salon. I have for about 9 months. I made a taxable income of around 15 k in the 8 months in the salon last year. I’m looking to build my credit, and I also need a new car.. So I was thinking I should go to a couple credit unions and see if they would pre-approve me. I’m not looking for a big loan.. Maybe 3–7 grand? What should I be expecting? Should I expect to be approved? Or not? I also don’t have co-signer. If I don’t get approved for this, I think I’ll see if they will approve me for a small credit card so I can start building credit. Any suggestions would be great :)””
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What is the best credit card to shop online ?
I’d prefer it doesn’t have an annual fee,has cash back rewards and is available/acceptable in Australia please give me an answer and thanks 4 ur time””
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“”Can I file bankruptcy during seperation and if so, what happens to our property?””
My husband and I separated about 6 months ago. I left the home and moved back in with mom — he is living at the house. Since I left and he wasn’t financially stable”””” I continue to make the house payments. However””
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Closed bank account because of payday loan…what happened to you?
Ewwww….some people I swear….in the details on my question I said that I didn’t *realize* that the payday loan wouldn’t go through was bc I was expecting to get a larger paycheck for that period….I just had a baby and at the time of birth we found out that our baby has DS with that said I was going through a lot at the time…I was hoping that if anything I would get just an over draft fee, but that the bank would still pay it. A game I should not have played…I understand this, but I needed the money. Now on top of everything else going on in my life, I’m worrying about this. I can’t eat or sleep….all I think about is this huge problem I”””” have created….hope that clarifies how I didn’t *realize* it wouldn’t go through””””””
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Where or how can I get my credit score?

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Does the home loan interest rate vary between online quotes and the real ones ?
— I am planning to buy a home — i have put an offer on a house and almost 100% done deal Now I have to look out for a home loan. I am looking at several online interest rate quotes what lenders are giving based on my facts. Some of them are sending quotes for 4.78% 4.5% , now does these rates change when we actually sign there application or do they have to stick with the rates what they have quoted me online ?””
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“”I dont have very good credit, Where can I get a loan?””
I need a smaller loan around $2000 give or take. Idon’tt have very good credit and Idon’tt have a checking or savings account, I do however have a prepaid master card from H&R Block. Is there any way for me to get a loan? Even a payday loan? “”
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#repost

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My mother is filing for Chapter 13 bankruptcy.?
Will she be required to make payments on a car that got repoed six and a half years ago?
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#repost

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How long do you have to have credit history before you can get an auto loan?
I have a credit score of 648. I’ve had credit only since August. I’m wondering how long I’ll have to wait until I can apply & most likely get approved for an auto loan? Without a cosigner. I spoke with a sales man & he said your car payment cannot be ore than 15% of what you make. I make 1000 a month so my car payment cannot exceed 150. If the car is 10,000 & I make a 5,000 down payment, is there a possibility I could get approved without a cosigner? I always pay my credit cards bills on time & I always pay more than the minimum amount. *Also, please don’t tell me to just get a 5,000 car. I can afford a car payment, I have no rent or utilities to pay. I’m just wondering if there’s even a possibility I could get approved.””
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Is there a site to get a FREE credit report?
I want to see my credit report but all sites that claim to give you a free report require a credit card. False advertising!
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“”Was denied for an auto loan from my bank, what now? Part 2?””
Ok. I don’t have bills. I already have insurance quotes and it will only be about $80 a month. I’m a COLLEGE STUDENT, living with family, and have no overhead. I currently make $1,000 AFTER TAX, which the debt to income ratio isn’t based on, and even then this payment with the auto would be about 40% of my post tax income. That is not a high debt to income ratio. In my other post, I pointed out that my income is going to increase in a month to over $20k, as well. Not to be rude, but I don’t want to hear buy a this car or that car. I’m asking about how the finance process works.””
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Will applying for an auto loan hurt my credit score?
i already applied through one for my bank but i got denied. if i was to try for another one through someone or something else, will my credit score be hit just for applying””
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How to do refinances my car loan with bad credit?
i have a car loan on a 2008 ford, that is $16,865, i want to put 7,000 on to the car loan and i have that money the refinance my credit is bad filed Bankruptcy 4 years ago. i want o refinance my loan to 9,865 the bank that has to loan will not do it and can’t find one that will anyone have any options for me.””
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“”What are my”””” chances of getting a home loan after bankruptcy?””””””
Thanks Katrina, that sounds reasonable, and is also a REAL answer, haha. Nice to know there are some HUMANS answering these and not just bot programs sending out a million scam messages a day. I am going to try try try to beat this 2 year minimum you are referring to. I think we have a shot. At the time, we will have about $100,000 in collateral, and our debt to income ration will be incredibly in our favor. We both own our cars with no balance, we have no credit card debt (obviously), and my wife only has 200 a month in student loans. Not to mention, we TAKE HOME over $6,000 a month after taxes.””
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#repost

“What are the best ways to improve your credit score on a fixed income?

I have little funds to work with. What are the steps I should take to get my credit report looking better?

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