How can I start getting credit?

How can I start getting credit?

I was married to a man that bled me dry. He had very bad credit and used my name to get credit cards and others things. He never paid the bills. We have now been divorced four years and I pay my rent and utilities on time, but can’t get any credit. How can I show I am a good person without someone giving me a chance?

Related :

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I filed bankruptcy but the lender refuses to take the home out of my name?
i filed bankruptcy and surrendered my home to the lending institution. the lender refuses to take back the home or even take it out of my name. i have received citations from dept of neighborhoods for not mowing, weeds etc. because i’m still listed as homeowner. my lawyer tells me there is nothing she can do about their resusal to take back their property. also the home is no longer insured so if there’s a fire, i’m responsible since it’s still in my name as owner. please help.””
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Where can I get 4000 student loan?
Hiya, Thanks for reading. I am asian. Im on a marriage visa so I cant get a loan from the government. I really want to study CAT and ACCA courses which after calculating, they will cost around 4000–4500 after finishing both courses, I plan to repay within a year. Where can I get the best loan? Thank u very much. “”
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Bankruptcy for married couples?
my husband plans to file bankruptcy on bills that are in his name which where made before we got married my name is not on any of the accounts, but added my name to his bank account after we where married and filed joint taxes after we were married is this going to affect my credit and will he have to use my name i kept myi former name and have my own credit in that name am i going to have to be involved in this?””
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How can I get my credit score?
i would like to rent a car from thirfty rent a car and they want your credit score of 600.
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“”I urgent ned $10000 loan, ( Singapore )?””
I need a $10000 loan , can do any thing , except illegal thing””
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How to get a REAL free credit report without getting charged a fee or one time activation cost or?

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Credit card lawsuit n I’m in the process of filing bankruptcy ?
I have the final hearing in the next week in a credit card law suit and I haven’t been able to collect the money for the filing fee to file the bankruptcy ! Should I tell the court that I don’t have the money for the filing fee and to please give me more time? Any other ideas? please help!
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What is an honest way to get a free credit report without my information being stolen ?
Legitimate way..I see many ads but I don’t know what to trust and I think someone may have stolen my ID.
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I am applying for an interest free loan via a furniture shop?
if they do credit check/ search on me will it affect my credit rating? if they decline me will it affect it?
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“”Which is better? Refinance, home equity loan, or home equity line of credit? To buy a car and remodel home.?

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What is the best way to refinance a mortage?
I currently have a fixed rate of about 12%, and I was wanting to see what my options were for refinancing. Can I trust such online services as Ditech.com or Loantree.com?””
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“”I really really need help. i need a loan shark, i know how dangerous they are but can someone help me please?

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What are the best Payday Loan websites?
I heard there are payday loan websites that guarantee payment, but I can’t find any of them amongst all of the spamsites.””
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How many times can I request my credit report online?
Do I need to wait a few days before I can view it again? I use annualcreditreport.com
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How do I get an auto loan re-financed so I can get my co-signer off the loan (due to divorce)?
Have to get re-financed per divorce papers. Problem is the vehicle is worth less than I currently owe. I’ve tried every loan site out there and all negative.
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“”Credit scores, How to raise them?””
Never had a late payment on our cards — and if we paid off our cards, my credit score would be raised 19 points (per freecreditreport.com)””
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How can I add a credit/debit card payment gateway in my website?
I have an online business. My customers may like to pay for my services using their credit/debit cards. How can I provide them with different bank gateways? Currently I am using paypal. So dnt give advice on Paypal. My clients should be able to enter their debit card number, expiry date, etc… [for VISA/MASTER/MAESTERO] and the money should be credited for me. Thanks in advance””
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Mortgage question for bad credit?
I have bad credit (filing bankruptcy) and my mom moved out of state. The original plan was for me to get a mortgage to buy her house, but now I was wondering what other options there were for me to get the house in my name and out of hers.””
“How can I start getting credit?

I was married to a man that bled me dry. He had very bad credit and used my name to get credit cards and others things. He never paid the bills. We have now been divorced four years and I pay my rent and utilities on time, but can’t get any credit. How can I show I am a good person without someone giving me a chance?

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A woman press charges against for hitting me. Will this court thing mess up proceeding with bankruptcy?
I was shoved in front a store in Feb.. I charged her with simple assault and then she turned around and said that I hit her. I have medical documents. Now she wants to settle and pay my medical bill. Her lawyer told me that if I receive the money to pay the medical bills I cannot file bankrutpcy. I do not think that is true. This haas nothing to do with filling bankruptcy.
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If you purchase a money order with a credit card will that count as a cash advance?
I need to pay my lawyer and she doesn’t accept credit cards. Shell take a money order but will that count as a cash advance? My card is interest free and I want to avoid paying interest.
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Where’s the best place to buy a water heater?
I purchased one at Home Depot one year ago. Just had it serviced (flushed) and was told that this 1 year old GE Water Heater has a broken inner seal. GE tells me it’s Home Depot’s issue. Home Depot tells me it’s GE’s issue. I’m tired of dealing with the both of them.
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Does cancelling credit cards hurt your credit score?
I am thinking of getting a meijer credit card for the use of a 20 percent off coupon you get for a purchase… i have no credit history and this will be my first card….it has no anual fee….. so if i signed up…used the discount…then cancelled it a week later, would i be able to do that, or would it even work? and would it affect my non existent credit score?””
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Quickest way to straighten out my credit?
Debt is old medical bills, cell phone, 1 credit card. What’s the best credit consolidation company out there?””
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Loan shark debt collector?
What’s another term used for the debt collector of a loan shark?
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Are you able to have more than 2 auto loans at the same time?

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Do they check current employer for auto loan?
Do they check job references on an auto loan? Anyone in auto business that knows FOR sure , do they check your current and previous employer on an auto loan? Please reply ASAP thanks If they say you will get approved in a an hour how can they always check with your employer if they can’t reach them?””
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Gip em b kha game Typer Shark Deluxe i ?
thanks nhiu, 10 nh””
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I need to withdraw 1500 pound from my santander credit card?
Can anybody tell me how much roughly I could pay back each month or how to work it out . Always paid my cc bill off in full bit this time will not be able to . What will my minimum repayments be and any charges . Thanks geoff.
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“”Got auto loan approval, but No driver license can i register car?””
Ok i got a pre approval threw my credit union for a new car, but i have no license and the car will be driven by my sister for now but i will be driving once i get my license in a couple of months. so can i buy the car at the dealer and add my sister on the registration paper work and let her get the insurance etc and add me later? i can’t add her to the loan cause i already applied and was approverd for it.””
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How to fill out Schedule C for Chapter 7 bankruptcy.?
I am filing for bankruptcy PRO SE since I can’t afford a lawyer — repeat — cannot afford a lawyer. My question with filling out Schedule C is if I am suppose to list an itemized list of my property or list it like it is on Schedule B (i.e.Household goods & furnishings””””””
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Has anyone with bad credit used an online service for an auto loan?
I was looking at a few (car.com, carloan.com, driverapproval.com etc.) where they send your information to lenders/dealers. Has anyone had any good or bad experiences with any of them?””
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Should I file bankruptcy?
I am 20 years old. I have over 2,000 in medical debt 5,000 in Legal debt(not sure this would be covered) 3,000 in credit card debt 2,000 in bank overdrafts. I am currently unemployed and was denied unemployment. 85% of this debt stemmed from a DUI car accident i was involved in. Not even injuring anyone but a mandatory ambulance ride is 20,000 out the door. Thank god i have medical insurance. Anyways so i have no income. Ive been frantically applying to jobs and having no luck even getting interviews. Ive seriously applied to probably every bank fast food place and warehouse job in my city. Long story short i have creditors calling me 10 times a day because i have credit cards past due 3 months. I have 2 bank accounts that are about to be charged off to collections. I don’t know what to do i have no income and i have no relatives that i cud possibly borrow like 10 grand from.””
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Can a Credit Union redo my auto loan?
Basically, i was working down in Tampa for a company that has ties to a Credit Union. Well I worked with the company for about two years and I had an auto loan processed thru them, with a 6.99 interest rate. Due to family issues, I had to quit this job and move back to NY. Now, I advised the credit union of this, thinking I would simply pay my auto note now the old fashioned way, via car note book and send in the money. I do not have direct deposit and thus they dont take money out of my paycheck every two weeks. I recently advised them, since the auto is a Crossfire, I will look into a Ten Day Buyout. Well the deal stinks so I am not going that route. I get an email from the Credit Union saying due to my recent job change, they want to run my credit and redo my loan? I hope this is not the case and it is just misunderstanding cause they thought I wanted another car loan. So I am curious can a Credit Union do this or any bank for that matter?””
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Navy Federal Auto Loan question. Down payment ?
If I go the pre approval route and pick out a car I want at a dealership, will I still need to give a down payment? If I already have te navy federal pre approval loan””
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Who can I contact to receive a personal loan not a payday loan with bad credit?
I am a married person, my husband gets paid by the hour, lately he has been out work due to illness. I just need a loan of at least $3000.00 — $5000.00. Any one out there can help or can refer me.””
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Cosign for auto loan?
Ok so you don’t know me i asked you a question not to critisize… And my bills are paid off now i just had a bad PAST as i said and have done nothing else, to fix it. And now that I have a GOOD job i wont have a problem with bills, and the car i have no i can get 2,000 for trade in do it wont even be that much, and I pay insurance now on my vehicle and its not like I CANT afford it””
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How exactly do I use my credit card to pay for papa johns pizza?
Do they bring a machine to swipe my card with when i order online?
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Is there a minumum amount of debt required to file bankruptcy?
And is the amount you still owe towards your garnishments count along with that?
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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 do I get an auto loan with 1 year of credit?
I have $1500, no co-sign, and in 2 months I will be hired full time by lowes. My credit is estimated at 715 but only 1 year of history. $300 credit card limit(1 card). I want to buy a car for about $8000 to guarantee it will last a bit. How do I get a loan on my own?””
“How can I start getting credit?

I was married to a man that bled me dry. He had very bad credit and used my name to get credit cards and others things. He never paid the bills. We have now been divorced four years and I pay my rent and utilities on time, but can’t get any credit. How can I show I am a good person without someone giving me a chance?

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What is the difference between a credit score and the credit report?

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A mortgage company has noted that 6% of its customers pay their mortgage payments beyond the due date.?
a. What is the probability that in a random sample of 150 Costumers, 7 will be late on their mortgage payments? b. what is the probability that in a ranbom sample 150 costumers at least 10 will be late on their mortgabe payments?””
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Site for free annual credit report?
which site do i use to get a safe free annual credit report.
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“”What would my monthly mortgage payment be on a $250,000 house with a 20% down payment in North Carolina?””
I know there’s mortgage calculators but they do not include property taxes or homeowner’s insurance. I want as realistic as possible. Also, could we afford this house comfortably on a $75,000 annual salary pre-tax?””
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Which of the following agencies provide free credit reports for consumers?
a) Equifax, credit unions b) Credit unions, your bank c) Experian Credit Reports Association d) TransUnion, Experian e) None of the above; you must pay a fee for any credit report””
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“”I need a $5,000 loan with bad credit. Does anyone know of anything?””
I need a $5,000 loan to pay off fines so I can get my license back. I do not have any family or friends that can help me out with this amount and I have horrible credit. I have done a Google search and only got PayDay loan sites, which I will not be using.””
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Is it true that in the 1970’s interest rates on mortgages were high?
Is it true that interest rates were high in the 1970’s and that people still bought homes???? If so, please explain. Thanks.””
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Where can I find a private loan (shark) in Detroit Michigan ASAP?
I really need about $25,000 for a car I have good money coming in each month and can pay this back on whatever terms. PLEASE RESPOND ONLY IF YOU CAN HELP IF NOT DONT. There are no banks lending money at all right now””
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Where can i go to get a free credit report?
I am looking to get a free credit report online without having to use a credit card. I have checked a few sites and each of them has asked for a credit card, which I do not have. Where can I go? Please.””
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Can you take cash out of an atm with a walmart credit card?
THis is a walmart store card to use only in the store. can i get cash from it or can i only purchase items in walmart
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Are there application fees with ANY loaning venders online?
jsut need to see if theres any *application fee* in doing payday loans online?
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How do i build credit?
im 16 n im goona get my license soon but i want a nice car. is their anyway i can build my credit so i can buy a car that is like 10k? thanks :)
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Can you file bankruptcy on a divorce settlement?

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Cheapest way to Ship a car?
Hello, I have Honda Odyssey Van in BainBridge Georgia and I want to ship it to seattle, WA. I want to know if anyone have experience in doing this and know a cheapest company or way to do this. Please leave links to informative sites and companies. Thanks much. =)””
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Best site to get a payday advance?
I need to get a $500 dollar payday advance, and can pay it back within a month. Does anybody know of a good, trusted site that can help me with this, without charging me outrageous fees?””
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What does it mean when a company charges 730% APR on a payday loan?
Out of curiosity I am looking up these payday loans (I don’t actually plan to get one as I don’t need one) but for borrowing just something so simple as $100 the interest rate is 730% APR plus whatever processing fee they charge which is about 20 bucks. Can someone explain this to me? Does 730% APR mean the person would pay like 700 bucks on that one $100 loan? Or how much is 730% APR on $100?
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“”Am self employed, I sell products on ebay, how do i proof income?””
I need to lease a car but how do i proof income, I sell on ebay and make 2000 profit a month, how do i proof my income, been in business since 2007.Thanks””
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Filing Bankruptcy CH7?
what is all the pros and cons If I filed bankruptcy ch.7 ? the extended details and mains. I have lost my job and I am in 30grand worth of debt. Also how would i start filing bankruptcy, do I really need an attorney or is there a way i can do it on my own? I do own clothes, furniture and things like that but i paid with those in cash , will people come in and sell my possesions to pay off some debt? and also a site that explains ch.7 bankruptcy will be helpful””
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When you can’t make payments on drivetime?
drivetime charges me $400 a month and I’m having a baby and I really need that money. my fiance wanna just get a carloan from his bank for a cheaper car for me but I don’t know if drivetime’s gonna let me bring the car back and stop paying. and I spent some money on getting the car fixed because a professional mechanic saw frame damages on both sides and it clearly says on my drivetime paper works that the car never got in an accident and my friends told me that I can hold that against them but I don’t know how and I don’t wanna go in too much trouble I just want to stop having to spend $400 every month for 4 years. what should I do?
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Is it reasonable to get a home loan for a single person earning 40 grand a year?
If you don’t have any other repayments and have good credit history, is it financially possible getting your own home loan? Or is this too little? I’m in Melbourne, and the units cost $370 000 and over…:(“”
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Does anyone know if there is a loan shark in darlington i need cash today?

“How can I start getting credit?

I was married to a man that bled me dry. He had very bad credit and used my name to get credit cards and others things. He never paid the bills. We have now been divorced four years and I pay my rent and utilities on time, but can’t get any credit. How can I show I am a good person without someone giving me a chance?

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Has anyone applied for an auto loan thru Fundingway.com and gotten approved?

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How to pay off cash advance on credit card?
can i call the credit card company and get them to do it? or is that not possible?
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“”In Texas, auto loan bank is threatening to repo my vehicle but they signed over the TITLE to ME.Can they repo?””
Can they legally repo my vehicle without a title to it? I am now 2 months behind on my auto loan due to Hurricane Ike (over $20,000 in home damages that All State has not reimbursed me due apparently high deductibles in Texas) but the loan company won’t wait. The auto loan company is ACU of Texas””””. I’m a single mother with young children so we need our vehicle. Please tell what we can do to keep our vehicle until my children and I are back in the home I own and on our feet financially.””””””
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Am I eligible for an auto loan?
To answer Jeff T: I need the car now. I was involved in a hit and run accident and my car was damaged completely.
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Sallie Mae Student loan for car?
I am trying to build my credit and I need to buy a new car because I commute to school. I found a reliable car for 4,000 but am not able to get any credit because I have only had my credit card for 2 years, even though i have NEVER missed a payment. The two credit unions told me to get three more credit cards and try again in two years, but that simply isn’t possible. They also wanted me to get a cosigner but my parents refuse to help me financially. Since I can’t get an auto loan I am planning on getting a sallie mae loan and then using the refund to pay for my car. I also plan on making 200 dollar payments each month so I can pay it off as quickly as I can. Is this a bad idea?””
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Chapter 7 Bankruptcy and Car Financing?
I am currently in the process of filing for chapter 7 bankruptcy. I have not yet had the meeting of the creditors. At the same time I am in desparate need of a new car. I spoke with my attorneys office and they told me to apply for financing before filing for bankruptcy. I have read online that the car could be taken away. I am seeking some guidance on how to go about this. I know that once the bankruptcy is filed my credit score will drop so badly that I probably will not be able to get a car loan, however on the other hand I am also afraid that once I file bankruptcy the bank will take away the new car.””
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Which are the Best Debt relief companies or Non-profit organizations?
Does any one have any experience w/ debt relief. My sister is in need of some help getting out of her mountains of bills due to a divorce and bad relationship decisions. She does not have the luxury of obtaining a loan to help, due to her terrible credit. I told her to file for bankruptcy but she wants to avoid that route. Anyone have experience with this.””
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When can I check my credit report? I know it’s every year but what does that mean?
Does being allowed to check your credit once a year mean every calendar year, or does it mean a year after you’ve checked it last?””
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“”Which type of personal bankruptcy is more common, and what does the type of bankruptcy depend on?””
I’d also like some idea of just HOW much more common one is compared to the other. In other words, is it 60%/40%? 95%/5%? etc… Thanks!””
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Home Loan-I am a house wife in chennai. My husband has got VRS from central government job in 2004. I had my o?
I am a house wife in chennai. My husband has got VRS from central government job in 2004. I had my own rental income thru my properties. I am also a IT assessee for the last 13 years. I got approximately 14 lac Rupees as annual rent and filing return. I had started training center as a properitorship but was running with minor loss. I want to construct another floor in my house and need 30 lacs as loan. Am i eligible for getting home loan and what are the procedures i have to follow and what are the document proof required.
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B of A denied my auto loan application that they accepted 7 months Ago. Why?
My situation is exactly the same now as before. Is this credit crunch syndrome? You can’t talk to a real person over there. I’ve got multiple account with them. More than a million dollars a year rolls through those accounts. I’ve got money in their cds. Got their credit cards. Anybody got a good source for auto loans?
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New information on Congressional propositions allowing private student loans to be discharged in bankruptcy?
Well, does anyone have any? I cant seem to find any via Google.””
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Will one collection ruin my credit report?
I had at $175 medical bill sent to a collection agency. I received my 1st bill from them on July 19th. I paid $5 towards in online on August 10th. I checked my FICO score today and noticed that my credit score dropped 70 points. It looks as though I was reported between July and August, as my FICO was last updated August 15th. I panicked and went online and paid the bill in full, even though I wasn’t financially able to. I’m now wondering if that was a bad move because I should’ve called and asked if i could pay fully in exchange for removal of the report. I’m so mad at myself. Is this going to really set me back? My credit score in now 600, and I was planning on getting a new car in the Spring.””
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I qualified for an auto loan — what’s next?
I qualified for an auto loan with Hyundai. Do I need to put out additional money for a down payment from my own pocket? Is there a credit check? My credit is 479 and I had a repossession late in 2005 and the payments have since been paid off just a few months later….can I be denied a car? What will my requirements be to make the car my own?
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Can someone explain the difference between Chapter 7 and 13 bankruptcy to me?
I may be forced to file bankruptcy and I wanted to get more information on which kind would be right in my situation. This is not for a business, it would just be a personal bankruptcy for one single person.””
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Can you file bankruptcy when the court is closed?
I am recently in the process of filing for an emergency chapter 13 skeleton filing. I need to file by Monday morning December 31st to stop the sale of my home the same day. However, I just found out that the BK Court in Sacramento ca is closed Dec 31st and Jan 1st for new years. Is there any way I can still submit the filing and stop the sale? Will an electronic filing to the court take effect immediately? I know it sounds stupid that I would wait this long. However, originally I was going to just let it sell. Any help or advice would be appreciated please! Thanks!””
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If you are married can one person file bankruptcy?

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Does anyone have a phone number for annualcreditreport.com? I tried to pull my credit report and s/o has pull
my credit report. I need a customer service #, Please help this was the 1st time I have ever went online to pull my credit report.””
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Will paying off charged off accounts help my credit score? and other questions….?
My credit score is very low (around 500). I have a bankruptcy that will be 5 years old this year. Since then I have had about 5 accounts charged off. (Went through a really rough time…dont judge!) That was about 2 years ago. I have one installment account that I opened and just recently paid off. That account should be in good standing. But that is all that I have going on with my credit report. I don’t own a credit card that I make payments on. I just use a prepaid visa as a credit card if I need one. What would be the best way to make my credit report better? Will paying off those charge off’s even help at this point? Does having an open line of credit in good standing a good thing for your credit score? How long will that bankruptcy show on my credit report and how will that affect my credit score once its gone? Thanks for any help!!
“How can I start getting credit?

I was married to a man that bled me dry. He had very bad credit and used my name to get credit cards and others things. He never paid the bills. We have now been divorced four years and I pay my rent and utilities on time, but can’t get any credit. How can I show I am a good person without someone giving me a chance?

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