Credit Cards For Fair Credit » 10 years http://credit-cards-for-fair-credit.com Credit Cards For Fair Credit Thu, 24 May 2012 10:56:41 +0000 en hourly 1 http://wordpress.org/?v=3.3.1 How do I find out my old credit card information? http://credit-cards-for-fair-credit.com/8942/how-do-i-find-out-my-old-credit-card-information-2/ http://credit-cards-for-fair-credit.com/8942/how-do-i-find-out-my-old-credit-card-information-2/#comments Sat, 04 Jun 2011 19:13:22 +0000 Author I have a credit card in collections (actually in the process of wage garnishment), and want to find out info on the credit card in question, but it is no longer on my credit report (the card is over 10 years old).
Of course the collection agency is no help, is there any way to get it myself, or is getting a lawyer the best/only way to go?
Thank you for any help.

In case this information is needed, the card was originally issued in AZ, but am currently living in IL.


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    ]]>     http://credit-cards-for-fair-credit.com/8942/how-do-i-find-out-my-old-credit-card-information-2/feed/ 5     How do I find out my old credit card information? http://credit-cards-for-fair-credit.com/8941/how-do-i-find-out-my-old-credit-card-information-2/ http://credit-cards-for-fair-credit.com/8941/how-do-i-find-out-my-old-credit-card-information-2/#comments Sat, 04 Jun 2011 19:13:21 +0000 Author I have a credit card in collections (actually in the process of wage garnishment), and want to find out info on the credit card in question, but it is no longer on my credit report (the card is over 10 years old).
    Of course the collection agency is no help, is there any way to get it myself, or is getting a lawyer the best/only way to go?
    Thank you for any help.

    In case this information is needed, the card was originally issued in AZ, but am currently living in IL.


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      ]]>       http://credit-cards-for-fair-credit.com/8941/how-do-i-find-out-my-old-credit-card-information-2/feed/ 5       Is it possible within reason for a 80 year old man living in the USA to get a new mortgage who has fair credit http://credit-cards-for-fair-credit.com/7890/is-it-possible-within-reason-for-a-80-year-old-man-living-in-the-usa-to-get-a-new-mortgage-who-has-fair-credit-2/ http://credit-cards-for-fair-credit.com/7890/is-it-possible-within-reason-for-a-80-year-old-man-living-in-the-usa-to-get-a-new-mortgage-who-has-fair-credit-2/#comments Fri, 21 Jan 2011 23:05:25 +0000 Author This man is a relation and he wonders if at his age if lending institutions would seriously consider giving him a mortgage at 80 years old?

      He has around 20K in savings and makes around 36K a year in pensions. He has 1 or 2 active credit cards with very little owed on them as he pays them off each month. He has no mortgage currently and has rented for decades and wants to buy a home now.

      With that outline to consider, would he be able to get a mortgage or would he run into a lot of difficulty because of his age?
      This guy actually still works on occasion when he feels up to it, so in the past few years he has earned around 50K per year on average with his pension.
      His vehicle is about 10 years old as he payed it off five years ago, and he owns no other assets that are worth mentioning for the sake of a loan.


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        ]]>         http://credit-cards-for-fair-credit.com/7890/is-it-possible-within-reason-for-a-80-year-old-man-living-in-the-usa-to-get-a-new-mortgage-who-has-fair-credit-2/feed/ 3         does it hurt your credit to close out long standing credit cards in good standing? If so why? http://credit-cards-for-fair-credit.com/7684/does-it-hurt-your-credit-to-close-out-long-standing-credit-cards-in-good-standing-if-so-why/ http://credit-cards-for-fair-credit.com/7684/does-it-hurt-your-credit-to-close-out-long-standing-credit-cards-in-good-standing-if-so-why/#comments Mon, 20 Dec 2010 12:00:15 +0000 Author I was going to consolidate two credit card onto a new lower interest card and cancel the old cards. However, I was informed that closing the old cards would not look favorably on my credit report. I thought this was strange as good credit reflects on your credit report for 10 years and keepin the old card open whould make your debt ratio higher. Can someone explain this to me?


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        ]]>         http://credit-cards-for-fair-credit.com/7684/does-it-hurt-your-credit-to-close-out-long-standing-credit-cards-in-good-standing-if-so-why/feed/ 6         Is having a high limit credit card in good standing but not being used good or bad for my credit rating? http://credit-cards-for-fair-credit.com/6762/is-having-a-high-limit-credit-card-in-good-standing-but-not-being-used-good-or-bad-for-my-credit-rating/ http://credit-cards-for-fair-credit.com/6762/is-having-a-high-limit-credit-card-in-good-standing-but-not-being-used-good-or-bad-for-my-credit-rating/#comments Mon, 20 Sep 2010 16:49:00 +0000 Author

        I recently looked into my FICO score and it is "fair" but not as good as I would like it to be. One of the things that is currently on my credit report is a high limit AMEX card (,000) that is shown as active and in good standing. It is a card my father has that he put my name on almost 10 years ago when I was in college, but I haven't had access to that account for many years. He must have never taken my name off of the account. It also appears that the card is not actively being used, it just sits there open.

        I've heard that having a credit card that is in good standing but not being used is just as bad for your credit as having one that is delinquent or in collections. Is that true? Or does having a high limit card in good standing contribute to my good credit no matter what?


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        ]]>         http://credit-cards-for-fair-credit.com/6762/is-having-a-high-limit-credit-card-in-good-standing-but-not-being-used-good-or-bad-for-my-credit-rating/feed/ 4         Spouse gets summons on Discover Card Debt? http://credit-cards-for-fair-credit.com/6651/spouse-gets-summons-on-discover-card-debt/ http://credit-cards-for-fair-credit.com/6651/spouse-gets-summons-on-discover-card-debt/#comments Sat, 18 Sep 2010 04:50:45 +0000 Author

        My spouse received a summons that needs a response in 20 days. This is a Personal card of that spouse only and it is demanding ,000 for a past due debt. To make it worse this spouse has no job or income to make another arrangement. What does this mean to the other spouse? We live in MN and I have paid all the house payments for 10 years but both names are on the title.
        The spouse owns nothing else at this time.


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        ]]>         http://credit-cards-for-fair-credit.com/6651/spouse-gets-summons-on-discover-card-debt/feed/ 3         How do I remove old delinquencies from my credit report? http://credit-cards-for-fair-credit.com/6329/how-do-i-remove-old-delinquencies-from-my-credit-report/ http://credit-cards-for-fair-credit.com/6329/how-do-i-remove-old-delinquencies-from-my-credit-report/#comments Sat, 11 Sep 2010 21:38:09 +0000 Author

        I just read about the Fair Credit Reporting Act and how delinquencies that are older than 7 years should not be on my report. But there are several that are 8, 9, 10 years old that are still on my report. How can I get these items removed? I was shocked to find them on there because I didn't think they were on there anymore or still affecting my credit score, but they are.


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        ]]>         http://credit-cards-for-fair-credit.com/6329/how-do-i-remove-old-delinquencies-from-my-credit-report/feed/ 2         Best way to pay off credit cards to improve credit score? http://credit-cards-for-fair-credit.com/5387/best-way-to-pay-off-credit-cards-to-improve-credit-score/ http://credit-cards-for-fair-credit.com/5387/best-way-to-pay-off-credit-cards-to-improve-credit-score/#comments Tue, 24 Aug 2010 12:05:18 +0000 Author

        As a college student, I've racked up some credit card debt. I have never missed a payment, and have always paid at least -10 over the minimum amount.

        My grandfather recently passed away and he left me quite a large sum of money. What would be the best way to pay off these credit cards? Should I pay half one month, and then half the second month?

        The goal here is to a) settle my credit card debt, and b) improve my credit score. The inheritance money will be released to me monthly until the amount expires (around 0 a month for the next 10 years). Any guidance/suggestions are greatly appreciated.


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        ]]>         http://credit-cards-for-fair-credit.com/5387/best-way-to-pay-off-credit-cards-to-improve-credit-score/feed/ 15         Credit Score Issue – Creditor takes responsibility but won't correct issue? http://credit-cards-for-fair-credit.com/5145/credit-score-issue-creditor-takes-responsibility-but-wont-correct-issue/ http://credit-cards-for-fair-credit.com/5145/credit-score-issue-creditor-takes-responsibility-but-wont-correct-issue/#comments Thu, 19 Aug 2010 13:29:54 +0000 Author

        I recently pulled my free credit report and FICO score. I have had impeccable credit for 10 years, with a recent score of over 750 when I bought a home two years ago. In December, a creditor called to say I was 60 days past due on an account I had opened in August to buy a television. I moved to Atlanta in August, opened the account with my new address, but they sent bills to an old address that did not have mail forwarding. I have no idea why they were sent there. I cleared up the account, the creditor placed everything back in good standing - even admitting fault in my account notes. Unfortunately, they reported it as 60 days past due and have told me they can't change the reporting to the credit bureaus (they referenced that they can't change it in the letter I received because of the Fair Credit Reporting Act). It is pulling my score WAY down. How can I fix this problem? They admit they were wrong about where they sent the bill, but they won't pull it from my report. HELP!


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        ]]>         http://credit-cards-for-fair-credit.com/5145/credit-score-issue-creditor-takes-responsibility-but-wont-correct-issue/feed/ 2         how can i get money to buy a house and start a home business? http://credit-cards-for-fair-credit.com/4877/how-can-i-get-money-to-buy-a-house-and-start-a-home-business/ http://credit-cards-for-fair-credit.com/4877/how-can-i-get-money-to-buy-a-house-and-start-a-home-business/#comments Sat, 14 Aug 2010 02:27:49 +0000 Author

        I have been teaching in music studios for 15 years and I have been handling the business aspects as well. I know this business inside out. I need start up money to get ahead or wait 10 years (enough time to afford 20%) until i can buy said house and actually
        start the business.


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