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February 18, 2008, 3:08 am  Is there such a thing as a Credit Correction? If so, Do they have services for people like me; who has bad credit? Answer: To tell the truth, we are aimed at helping you to compare credit card offers from the top US banks like HSBC bank or Advanta bank and credit card companies and give you the necessary information to understand the terms and conditions that modern credit cards have to offer, to manage your personal financial affairs. Such a service as Credit Correction does exist. And if you possess a bad credit, you can make use of such a service. If you’ve found inaccurate information in your credit report, here’s all the information you’ll need to make the corrections. But everything that a "credit correction" service can do, you can do yourself. Like dispute wrong things on your credit report ...etc. You see, unfortunately even those Consumer credit counseling services will work with helping you get your debt down, this does not stop the creditors from slapping your credit report with negative points and it doesn't help your FICO in anyway, and in fact, hurts it. That’s why it’s better to do it on your own. First thing of course would be to cut up the credit cards and make a commitment to never charge again. Then, we can recommend you to make the list of all your debts by amount you owe from the smallest to largest. Then begin by paying the "most" amount you can each month to the smallest debt with the idea of paying it off quick. Then, only pay the minimum payment on the larger debts. Continue doing this every month until you have the smallest one paid off. Every time you pay off the debt, call the company and tell them to close the account. Credit correction agencies basically dispute negative items on your report, it's illegal to dispute correct information but that's what they do and you can do it yourself from home. February 18, 2008, 3:08 am How long does negative credit stay on my record? Answer: Well, it depends on the type of your credit (whether it is no credit - credit score of 0-349, bad credit - credit score of 350-619 or fair credit - the score of 620-659, which is the more preferable one, close to positive credit). If you have no credit history, you can start with secured credit cards, then continue with bad credit card offers, succeed with credit cards for fair credit and, in the future, pretend to best credit cards available. You are welcome to choose credit card to improve your credit history. The time negative credit will be in your record is determined by the credit delinquency, you’ve done. If it’s the case of bankruptcy – bad credit card is the only alternative, you can count on. As we don’t have a clear picture of your situation, we advise you to look through no credit cards, bad credit cards and fair credit cards to choose the appropriate credit card and then clear up all the moments with the credit company or bank, that issues this card. Best, Manager of Immediate Credit Card Care Service February 18, 2008, 3:08 am Current credit score is 619.......interested in a decent credit card.....which would you recommend? My credit score is around 560 or 580. Can you be approve for a low apr and a little high credit limit? Answer: Your credit score corresponds to a poor (bad) credit history. So, the cards you can apply for are meant for a poor credit. Some of the banks and credit card companies (for instance, Orchard bank and First Premier Bank) offer credit card applications for bad credit cards, and provide monthly report to 4 credit bureaus. If you have a poor credit, you will not qualify for high credit limit or low APR financing as these rates are reserved for those with the best credit ratings. Your choice of the credit card may depend on the purposes, for which you are going to use the card, the benefits you’d like to take advantage of, your spending habits and some other factors. We advise you to look through poor credit card applications at our site and compare the options of the credit cards available. It’s only you who knows best, what credit card can meet your needs. But even if your credit history is poor, you can get a guaranteed approval for a credit card you profess to. In case you qualify for a poor credit card by First Premier bank, you can obtain an instant approval for your credit card. So, for the time being decent credit cards for you are guaranteed approval cards and insatnt approval cards, as well as secured credit card for sure. Examine the terms and conditions of poor credit cards to make the right financial decision. But if you’d like to get a more decent credit card than just a poor credit card, you need to improve your credit history. For this purpose, you are to apply for one of our secured credit cards coinciding with your credit score. You can also ask a relative or a friend with a good credit history to be your co-signer. He or she applies for a good credit card, signs you up as a co-borrower and you pay off the credit on more beneficial terms, and accumulate credit points, but he/she is responsible for this credit as well. April 10, 2008, 5:04 am no credit and no one approves me Answer: Thank you for your question. We hope our answer helps you to resolve your problem. First of all, do not try to apply for those credit cards anymore! Every time your application is denied your credit history is damaged. What you need now is a secured credit card with guaranteed approval. Please keep in mind that when applyng for a secured credit card you will need a collateral, i.e. you will have to deposit a certain sum of money to secure your credit. If you fail with paying off your bills this money will be withdrawn to cover a debt. Nevertheless, these credit cards are guaranteed. Moreover, when you hold a balance on a card, a bank regularly reports your payments to all major credit bureaus. So, along with your payments in full and at a proper time, you will build a worthy credit score quite quickly. Visit our secured credit card applications page to get more detailed information on secured plastics. |
