We all have a credit report and scores. What or who determines what your score is based on your payments, and good credit/bad credit? Is it computer generated? Or does an actual person go in a make that determination?
I have never had a credit card or debit or anything but i don't have bad credit i just have no credit so i just want to know if i could get approved for one
I have a tremendous amount of bad debt. Almost 2000 dollars. If I were to pay it all off to 0 would it raise my score or just keep it from getting lower? I have no intention to EVER EVER EVER have another credit card. my credit score is in the low 500s what will happen if I pay off all debt and do nothing to raise my score?
I don't understand some people on here. People whine about bill collectors and about their bad credit and how it is everyone fault but their own. They complain about being turnd down for a loan because of their bad credit etc.
Why not just make payments like you are supposed to so you do have problems.
I don't understand why these people that are in so much debt want loans and credit cards to go deeper in to debt?
Can anyone answer?????
I think even Studly would agree with me here.
To China Doll-
When I was younger I was there. But I took care of my responsibilities before I tried to get more credit and loans.
I paid my dues.
All I am saying herer is that people should pay off ther existing bad debt before trying to get more.
I am not judging anyone, just asking what is going through someone head when they say "I need another bill, another loan, another credit card and I can even pay the ones I have now"{ DUH!!
To improve your credit you must first take care of delinquent accounts. If there are still unpaid collections on your file, getting a new loan or another credit card will not help.
I filed bankruptcy and had several visas. They were all cleared. One of my visa which I had for over 10 years I asked for a supplement card for my spouse last year as they always send the applications in the statements each month. Well, my spouse has received a letter saying that he has to pay the FULL visa balance immediately and they won't accept payments anymore as they consider it a bad debt since I filed bankruptcy. Are they allowed to go after my spouse even though he was not a joint account, just a supplement card? They say he is automatically joint if he gets a supplement card. I don't want his credit ruined because he can't pay my debt in full within 2 weeks.
