should i get secured credit card? confused…….

Oct 032010
 

 Hi, I would like some information.  I recently started working on improving my credit score but I only have my mortgage & my  car note that I pay monthly.  I have some things that I am working on getting removed on my cr.  I want to improve my score without getting into a big debt.  Should I consider getting a secured credit card that reports to the 3 cbs?  I have seen some online that don’t require a credit check and only require a small deposit ($200) but I have been somewhat standofish about it.

If I get one it would only be used for purchases of about $20 and then I would pay it the next week.

Please let me know which way I should go.

Thanks in advance 

Which should I pay off?

Sep 102010
 

Hi,

I just sold a car and have enough money to either pay off one big personal loan or several credit cards.  I don’t know which I should pay off…which would build my credit better? 

 

Thanks

How do I tell which type of credit is my account. Wether it is Equifax, trans union, or experian

Jul 222010
 

For instance,

 

I need to know which account is specifically the type of credit so I can go ahead and dispute charges.  Also are there any letters to referrence to send to these accounts to have late day payments that are a couple years old removed that have never been removed and are still showing?

 

Any help is appreciated as I am really trying to sort out my not so good credit so I can purchase my first home.

 

 

Thanks!!!!

Nicole

Credit Scores

May 112010
 

I have credit reports that I have printed from My FICO and from free credit report.com…

 

reports from FCR.com-are they FAKO and scores from My FICO-are they FICO?  Confused & want to know which one to go by.  Please help-thanks!

Need to increase score 60+ In 6 months

Apr 162010
 

I want to purchase a house in November but my scores are 575 EQ 560 EX 590 TRAN I dont have any revolving credit and someone suggested I get a few secured cards. Dont know which ones to get  although Orchard was recommended. Any suggestions would be appreciated….Thanks

Can anyone share your experiences after cleaning up your CR’s?

Jan 292010
 

Can you guys share your experiences after you cleaning up the negatives on your CR? I am cross roads. Don’t know which credit cards I should apply for.

 My current EQ Fico is 709 without any baddies and TU is around 670 with one baddie, which I am negotiating with MCM. Some of them which dropped of my EQ and TU reports are CITI, Amex, Discover, Bof, Chase, HSBC…Long and the short of it is , I don’t know how to build , Share your experiences and any secrets and tips will be appreciated… 

What’s in your wallet/purse, which 5 cc’s would you choose

Jan 262010
 

Including bank cards and credit unions, [you may even include store credit cards that you cannot live without] which 5 cards would you have if you had 750+ scores and can have any card you wish.  I am curious to know which cards are myfico members favorites.  I’ll start:

 

NFCU Platinum MC

American Express Blue

Discover

Chase Freedom

Home Goods [don't know who issue this card]

 

What about you, what are your Favorite 5?

 

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