Credit Cards For Fair Credit » Bankruptcy Credit 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 Will this economic crisis affect what credit card companies are willing to offer? http://credit-cards-for-fair-credit.com/6583/will-this-economic-crisis-affect-what-credit-card-companies-are-willing-to-offer/ http://credit-cards-for-fair-credit.com/6583/will-this-economic-crisis-affect-what-credit-card-companies-are-willing-to-offer/#comments Fri, 17 Sep 2010 00:02:20 +0000 Author

I am not concerned about loans for cars, homes or college education - just borrowing from credit card companies. Is it likely that they would suddenly lower the credit I currently have available?


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]]> http://credit-cards-for-fair-credit.com/6583/will-this-economic-crisis-affect-what-credit-card-companies-are-willing-to-offer/feed/ 5 Will buying a used car on credit help my FICO score? http://credit-cards-for-fair-credit.com/6575/will-buying-a-used-car-on-credit-help-my-fico-score/ http://credit-cards-for-fair-credit.com/6575/will-buying-a-used-car-on-credit-help-my-fico-score/#comments Thu, 16 Sep 2010 17:44:05 +0000 Author

I need a new car and have always figured paying cash was best. I have limited credit history that I messed up in college, so my score is 520-550. I was looking at a few used cars but figure a newer used car would be more reliable and need less maintenance. What effect will paying the loan on time have for me? How long before any benefits kick in? Will it improve my score more because most of my credit now is very small credit cards and this will be a big auto loan?

I know making payments is kind of a waste, but I have the income to pay more, so I'm just focused on what, if any, FICO score improvement I can get.


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]]> http://credit-cards-for-fair-credit.com/6575/will-buying-a-used-car-on-credit-help-my-fico-score/feed/ 3 What's the best credit card to apply for after bankruptcy to re establish credit? http://credit-cards-for-fair-credit.com/6407/whats-the-best-credit-card-to-apply-for-after-bankruptcy-to-re-establish-credit/ http://credit-cards-for-fair-credit.com/6407/whats-the-best-credit-card-to-apply-for-after-bankruptcy-to-re-establish-credit/#comments Mon, 13 Sep 2010 04:48:53 +0000 Author

How long should you wait after bankruptcy is discharged?


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]]> http://credit-cards-for-fair-credit.com/6407/whats-the-best-credit-card-to-apply-for-after-bankruptcy-to-re-establish-credit/feed/ 8 Can a credit card company try to recollect discharged debt on new credit card offered by affiliated company? http://credit-cards-for-fair-credit.com/5339/can-a-credit-card-company-try-to-recollect-discharged-debt-on-new-credit-card-offered-by-affiliated-company/ http://credit-cards-for-fair-credit.com/5339/can-a-credit-card-company-try-to-recollect-discharged-debt-on-new-credit-card-offered-by-affiliated-company/#comments Mon, 23 Aug 2010 12:03:08 +0000 Author

I filed for bankruptcy last year on a credit card. This year I got an offer for a new credit card from a company that just recently merged with the old credit card I had filed bankruptcy on, can the old credit card company try to charge the old debt on my new credit card now that they have merged as one company?


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]]> http://credit-cards-for-fair-credit.com/5339/can-a-credit-card-company-try-to-recollect-discharged-debt-on-new-credit-card-offered-by-affiliated-company/feed/ 5 How much does a credit score improve after bankruptcy falls off a credit report? http://credit-cards-for-fair-credit.com/4327/how-much-does-a-credit-score-improve-after-bankruptcy-falls-off-a-credit-report/ http://credit-cards-for-fair-credit.com/4327/how-much-does-a-credit-score-improve-after-bankruptcy-falls-off-a-credit-report/#comments Tue, 03 Aug 2010 09:36:48 +0000 Author

We are hoping that our credit score has improved greatly now that the bankruptcy is off (it was a long 10 years) and we haven't acquired much debt.


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]]> http://credit-cards-for-fair-credit.com/4327/how-much-does-a-credit-score-improve-after-bankruptcy-falls-off-a-credit-report/feed/ 2 how to change the secured credit card to unsecured credit card? http://credit-cards-for-fair-credit.com/3347/how-to-change-the-secured-credit-card-to-unsecured-credit-card/ http://credit-cards-for-fair-credit.com/3347/how-to-change-the-secured-credit-card-to-unsecured-credit-card/#comments Thu, 15 Jul 2010 02:26:05 +0000 Author

I have a secured credit card with Bank of America , I would like to draw the deposit and get the account to unsecured credit card instead what shall I do?tnkx
1- I have build a good credit score
2- I already obtained a credit card
3- I just want to draw the deposit


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]]> http://credit-cards-for-fair-credit.com/3347/how-to-change-the-secured-credit-card-to-unsecured-credit-card/feed/ 1 Refund of what I paid on a credit card with fraudulent charges? http://credit-cards-for-fair-credit.com/3325/refund-of-what-i-paid-on-a-credit-card-with-fraudulent-charges/ http://credit-cards-for-fair-credit.com/3325/refund-of-what-i-paid-on-a-credit-card-with-fraudulent-charges/#comments Wed, 14 Jul 2010 20:08:22 +0000 Author

I had a credit card and my identity was stolen. I filed an investigation with the credit bureaus and the credit card company sd I am not responsible for the charges/balance. I had been paying on the credit card because I wanted to protect my credit. Will I be able to get a refund for what I paid?


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]]> http://credit-cards-for-fair-credit.com/3325/refund-of-what-i-paid-on-a-credit-card-with-fraudulent-charges/feed/ 3 How long do different negatives stay on your credit report & influence your credit score? http://credit-cards-for-fair-credit.com/2523/how-long-do-different-negatives-stay-on-your-credit-report-influence-your-credit-score/ http://credit-cards-for-fair-credit.com/2523/how-long-do-different-negatives-stay-on-your-credit-report-influence-your-credit-score/#comments Tue, 29 Jun 2010 07:15:27 +0000 Author

I had a bankruptcy in 05, and I also had some accounts then that were 90+ days delinquent im sure. and one or two 30 and 60s, but I also hd alot more GOOD accounts too. But now I have the bankruptcy and the delinquencies on my report.

Now I know that a bankruptcy is like a black mark, and stays on up to 10 years. However, what about the other delinquencies?

what about late payments UNDER 30 days? or over the limits? or if you overdraw your checking account, or more minor things like that?

What about using more than 40% ish of your credit limit? etc.

I don't understand why credit cards extend you these high limits, if technically, they never want you using more than 40% of the limit?

That I never understood.

Also if you carry really high balances, how many weeks/months can they stay there until it really starts to affect your score greatly?

there are so many factors that it's so hard to decide, but right now it's pretty much depressing because it's 2009, and I realize that I'm only about 4 years into my bankruptcy being on my credit score time frame, and I still see the other negatives, and I'm just royally depressed over it, because I feel like my life for the next several years as I know it, is OVER, and after that, it's going to be questionable how I'm going to do, or what credit/banks will approve of me.

I mean, some say, the fact that you went bankrupt stays there for life, otehrs say it doesnt matter at all after a time frame.

It all just makes me feel like, I should just give up and jump over a br9dge or something, because it feels like...it's over. I messed up and now...I'll never be good enough.

It's also depressing knowing that kids who are like 22, could have better credit scores and better opportunities than me.

Can anyone offer some positive hopes for me because I'm pretty depressed over it. To be fair to myself, my credit score was in the 600 range , so that's not TOO bad considering the bankruptcy, etc, and I already have new credit cards which I established back in 2007, so i've been developing a steady (now two year) positive credit history.

However my credit scores seem weird too. Experian has me lets say at 680...Transunion has me around a very unrealistic 710,...and equifax has me at a depressing 590. So its like...why are they fluctuating so much?

It's all confusing, I have NO idea where I truly stand,..and every credit report has me at different numbers with different things.

I don't even know what to do anymore..HELP!


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]]> http://credit-cards-for-fair-credit.com/2523/how-long-do-different-negatives-stay-on-your-credit-report-influence-your-credit-score/feed/ 2 Do you think unsecured credit card debt is bad for the economy? http://credit-cards-for-fair-credit.com/2343/do-you-think-unsecured-credit-card-debt-is-bad-for-the-economy/ http://credit-cards-for-fair-credit.com/2343/do-you-think-unsecured-credit-card-debt-is-bad-for-the-economy/#comments Fri, 25 Jun 2010 19:12:11 +0000 Author

I know a lot of people are filing bankruptcy on credit card debt. I did this myself and got 35,000 dollars worth of credit card debt discharged. That means my credit card companies lost a lot of money on me. I know my credit is ruined but oh well. Unsecured debt should be more difficult to get. It is still easy to file bankruptcy if one meets the means test. Your opinion, please.


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]]> http://credit-cards-for-fair-credit.com/2343/do-you-think-unsecured-credit-card-debt-is-bad-for-the-economy/feed/ 2 Is this a good credit card offer to accept after bankruptcy? http://credit-cards-for-fair-credit.com/2003/is-this-a-good-credit-card-offer-to-accept-after-bankruptcy/ http://credit-cards-for-fair-credit.com/2003/is-this-a-good-credit-card-offer-to-accept-after-bankruptcy/#comments Sat, 19 Jun 2010 04:48:46 +0000 Author

Credit One Bank Visa, .00 annual fee, 23.90% interest. I don't care about the interest because I will charge small amounts and pay it off each month. I just don't know about this annual fee. But I DID just have a bankruptcy discharge so maybe I'm luck to get any offer at all. Help.


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