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Question by Chelle Belle: getting a credit card for the first time what are some tips i need to know?
EASY 10 POINTS!

i have a couple of big things coming up in one month & i am getting a credit card. i will have no problem paying this off i just need a rather large sum of $ all at one time.
how long does it take to receive the credit card?
can i “cancel” my credit card after i pay it off & don’t want or need it anymore?
will this be something i regret(( as in hidden fees & BS ))??
HELP!

Best answer:

Answer by Fashionista
Just one rule- Never buy what you cannot afford to pay off at the end of the month.

Also- if you are going to go overdrawn contact your bank.

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Question by smillas: credit help?
any one seen that infomercial with that guy that says if you buy his book he’ll tell you how to get thousands of bucks free to pay off credit card debt whats that all about without the fee?

Best answer:

Answer by rooster_cruzer
LOL….some people will believe ANYTHING…..LOL

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Question by soonerfan0808: Are credit repair companies legit and do they really help?
I am trying to raise my credit score quickly. Right now I am at 593-around 650 depending on agency. So, by paying off the 5 credit cards that I currently have(some with amounts ranging from 1,500-2,500), should that raise my credit score a great deal? If not, will a credit repair company help or are they just a scam?

Best answer:

Answer by 2craz4u
Credit repair companies are in the business of making money and they will not be able to raise your FICO score. They really are for people who can’t handle their finances and need help making a budget and cutting up credit cards.

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Question by onlyinurdreams85: How can I get my credit report online for free with out using a credit card?
I no longer have a credit card and every site I go to asks me to purchase my credit report. Is there anyway that I can get my report without using a credit card?

Best answer:

Answer by C. J.
You are entitled to one free credit report every year from the 3 major Credit Agencies: TransUnion, Experian and Equifax . Just visit their websites, and you should see a link directing you to your free credit report. Suerte!!

http://www.freecreditreport.com/

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Question by nikkiv28: Credit Report?
On friday i went and paid off my back medical to the collection agency, In writing i got a letter from the collection agency that they will delete everything off of my credit report. My question is my transunion score is 509 and i am getting deleted 5 medical. My experian score is 552 and i am having 15 things deleted, and equifax my score is 555 and i am having 12 things deleted off of that one. How much will each of my scores go up, i am trying hard, and i want to buy a house in May of this year

Best answer:

Answer by Joe 64
With a credit score that low, you have a lot of work to do, pay all your back bills and start paying all of your bills on time, some of those things take 7 years to get off of your credit report.

What do you think? Answer below!

Question by : Is there really a good credit repair agency ?
I am trying to find a good credit repair agency. I want one who states upfront what they do and does what they say. I have some credit issues and will like to get as much help as I can to clean them up over the next two to six months.

Best answer:

Answer by cassy
if you are looking for the best credit repair site, check out this site

http://best-credit-repair-service.com/

Here you can improve your credit score rating and reduce your debt with the help of an expert.

Give your answer to this question below!

Question by Bug: How should I begin to write a business plan for a credit company?
It’s an assignment for a class, and I need some assistance in how to start it out.
I would like to it be an LLC and have affordable hourly rate services for our customers.
The company will help people in post-bankruptcy counseling and coach the people back to financial health by giving them strategies and advice for the future.
The company will also provide a service to the human resource departments of companies and coach employees encountering financial difficulties. (this service will be contracted and billed directly to their employer)

Also, this company will contact the local newspaper and volunteer a monthly column on credit tips ~ this would help educate the people and promote his business.

Any advice and or other ideas would be GREATLY appreciated!

Thank you!

Best answer:

Answer by Fred
How to Write a Business Plan

This web page offers a tutorial on how to write a business plan. Follow these detailed instructions to produce a professional quality business plan that will attract investors, qualify for loans, or guide your operations.

Writing a business plan is a good way to solidify your thinking. By the time your document is complete, your objectives and strategies will become specific and concrete. The process of writing the document will force you to carefully review all the risks and rewards before you launch. The finished business plan will convince others of your potential and guide your team as you implement the plan.

Click on any topic in the outline to see a detailed explanation of what is required and a sample of that topic. The Sample topics were provided from the business plan of CitiLoc, Inc., a web service corporation that provides a forum for cities to communicate effectively with corporations looking for potential expansion sites.

http://planwrite.com/

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Question by : What is a good credit repair company?
I am aware that I can do this myself but I don’t have time to do it myself. Can anyone refer me to a good legit credit repair service. This question is ONLY for people who have used a credit repair service so please don’t answer if you haven’t used one. I don’t have any bankrupt or liens or anything that serious, but I do have a lot of collection, late payments, 1 charge off, and 1 repossession and a lot of inquires.

Best answer:

Answer by hannelore
if you are looking for the best credit repair site, check out this site

http://best-credit-repair-service.com/

Here you can improve your credit score rating and reduce your debt with the help of an expert.

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Question by kapulit2003: How well does the credit repair company work? Does any body have any good/bad experience with their services?
There’s so many credit repair co. out there and I don’t know which have a good credentials or does it really work like they advertised?

Best answer:

Answer by djuanab
Don’t do it!!!!

It is cheaper to dispute with letters. There are alot of sample dispute letters online. Send all your letters certified and in total you might spend less than 100 bucks. Good Luck

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Question by Dee: Credit help!?
Is there a certain in the month to pull credit for higher scores? I have noticed that my scores drop around the 1st and the 15th of the month. If anyone knows, please let me know. Thanks

Best answer:

Answer by anifak
This is interesting. Try pulling your scores at the end of the month, 10 days after paying your credit card bill(s) and not having charged your cards, your score should theoretically be higher.

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