MadDad asked:


I am preparing to file for bankruptcy - The ex-wife took ALL the cash and got the house, 2 vehicles and one of two children in the divorce. She was to assume the loan on the house and didn’t. Its now in foreclosure. I was involved in a wreck and am buried under medical bills, as well as the bills from the lawyers, credit cards, etc. When I got a copy of my credit report to find out how big a mess my credit was in, I found out that my ex-wife had opened joint credit card accounts with my name on them AFTER the divorce, apparently because she has bad credit. The credit card companies refuse to take my name off the accounts because they have substantial balances. The bankruptcy will take care of the problem this time, but how do I keep it from happening again when the credit card companies are all too eager to issue credit in my name to my ex-wife?

DENNA

Natalie Z asked:


I am the victim of fraud and have several inaccurate charges on my credit, which I am working to remove. It’s lowered my FICO score to 590…not so hot.

In the meantime, I am having a hard time getting credit. I’d like to get a new credit card, but it seems I’m having very bad luck.

Any thoughts?

AZALEE

Brian P asked:


im looking for a credit card to help build my credit back up. What card has the lowest intrest rate and what should i get???

JONELLE

bien cool y reggetonero asked:


I need arround 5000 dollars I leave in San Diego……I have bad credit and I have delincuency in a credit card thank you

SHAN

mcollinsvcollins2003 asked:


2 repossessions, bankruptcy in 1997; late payments on mortgage and credit card in the last 12 months. one repossession has been cleared and the other one still have an outstanding balance.

DAVID

onedge365 asked:


without a lot of scams, like deposit fee, start up fee, yearly fee, etc

ELEONORE

Blair asked:


I am a college senior who has just been recently been accepted for a job contract with a financial investment company to become a financial representative. I am now filling out the paperwork for the job contract/background check - should I not provide information regarding my debt with a credit card I recently have (and recently settled in court)? Could I really be denied employment now just because I took out a credit card when I was 19, maxed it out and now paying it off? This is scaring me. If you are a financial representative or work in the industry, please let me know ASAP.

NARCISA

Bronzed asked:


When I was 18 I started getting credit cards and loans, and due to youth, ignorance and inexperience I missed several payments and I believe I even hace a certain card “written-off” for the amount of $3. Now that I make good money, I’ve accessed my credit report to pay off all fees and late items. How long will those negative marks stay on my file? I’ve heard “7 years,” I’ve heard “a few months to one year.” Obviously I am now older and wiser and wish to have- and maintain- good credit. If bad marks are on my credit report for several years, is there any way to expidite the process of having them permanently removed? Thanks!

BEVERLEE

Shrimpboat asked:


i have bad credit. i finally got a credit card and can start earning my credit. i’ve been told two seperate stories regarding paying for my credit cards payments to earn those credits.

i was told the 1. if i make monthly payments and not pay my balance (although i have to pay to stupid finance charges), that’s a way to earn credit. so i was told to do that for 6 months to a year and my credit will improve

the second one i was told was that i HAVE to pay my cc bills in full EVERY month in order to get better credit ratings. and also to avoid finance charges.

so which one is correct??

1. make monthly payments, have a balance, and pay finance charges?

or

2. pay my cc bills in full every month and not get charged on interests

BASIL

Robyn asked:


or should i keep an account open? does not having a credit card hurt your credit score?

TU