chanelle f asked:


My first question is how do i find out what me credit score even is?????…and my second delemia is that about two years ago i got myself into debt with my wachovia bank card i ended up owing them a total of 1036.17 i have now totally paid them off my question is how do i rebuild my credit (cause im sure it has increased dresdically the past few years and will any credit card companies even accept me as a customer?

VERGIE

Heidi M asked:


i don’t have bad credit because of credit cards i have bad credit do to some hospital bills i was unable to pay.

MARKITA

kamzi asked:


I had started my classes in a community college and dropped out due to advanced pregnancy. I did not pay the balance because I am out of work too.The collection company has been calling me for over a month and is giving me an automatum. If I am unable to pay ontime, will that spoil my credit history even though I have never had any credit card? I only use debit card. What damage can this do to me?

DEBBIE

Lauren asked:


i have about 4000 dollars in credit card debt. i didn’t have a job for awhile and that i do have one i have fallen so far behind i need to consolidate to have one payment and to help fix my credit…..where can i get a loan with bad credit?

FAITH

HOTLANTA asked:


i have 3 credit cards and 2 checkcards and i want to get another credit card… i do not really need the money, but i like to have money in case of an emergency. is there a limit to how many credit cards one should have?? does having many credit cards affect my credit in any way??

LEIA

chad M asked:


Just curious what my credit might be like. I have lived in a apt for the past 5 years, never been late. I have 1 credit card I use off and on. I have always made payments on time, but have never put a large amount on it. I know I have good credit, I guess I’m just asking does this mean I have no credit, and is this just like having bad credit?

DORTHA

Nhat t asked:


What are monthly and annual fee? Do I have to pay those amounts every month and year despite paying my credit card transactions on time?

My sister wants me to apply to old navy credit card so she can get 10% off. She says I can cancel the credit card afterward, but wouldn’t that be bad for me?

SHA

Pinto B asked:


I’m depressed cause I can’t get approved for having a cellphone withough $300 deposit. This is not the only thing, I cannot get approved for anything else…are there any options for people with bad credit? Why does credit card companies enjoy making people miserable by ruining their credit?

TWANA

Oh That Sarah asked:


I have a card that I want to cancel. I haven’t used in in almost 2 years, and there is an annual user fee of $20. I just got the bill yesterday, and now I’m thinking of cancelling the card because I don’t want to pay the $20 member fee! I heard that if you cancel a credit card account it’s bad for your credit. Is this true? Is it worth me doing this or should I just pay the $20?

NESTOR

Anndrea W asked:


oh and you dont have to pay using a checking account or money order to pay for the one time application fee!!!

TRICIA