Credit Repair Help

Li asked:


I am thinking of those who do not have a credit card and pay for everything by check and cash. How is their credit rated? Is it based on a loan for example (car, student, etc.) and what if it is their first time applying for such a loan? How is their credit history looked at then? What if someone is applying for an apartment rental and does now own a credit card?

I have always wondered this.

Also, some people, after having paid off their debt, switch to using cash or check only, but apparently no activity at all on your credit card accounts isn’t good either.

Any input?

HKR4444 asked:


How much should i charge on my secured credit card to get the best credit rating?

I can charge up to $500 on my secured credit card and want to know how much should I charge on my secured credit card to get the best credit rating. I need to build credit because I got none.
I’ll be paying it off every month.

I’m wondering how much I should charge on my secured credit card every month out of my $500 maximum.

sayyeahh asked:


I am attempting to build a positve credit rating and I need a card that reports to the credit bureau, but will allow me to obtain it without a credit check. HELP?

ersan b asked:


I preferably need a studen credit card (to build up my credit-seeing as how I do not have any line of credit). I just need to know which credit cards/student credit cards instantly approve/deny you or at least you find out some sort of answer within a few hours.

alilley07 asked:


I am only getting a credit card so that I can make small purchases and pay them off right away to build my credit. Please do not lecture me on how to use a credit card, I am already fully aware. I just want to know which credit cards have the lowest rates for an eighteen year old with no credit. Thanks in advance!
If you are just going to answer “none’ don’t bother.

I got my new sin number recently, and also I have bad credit score when I was international status in Canada.
With my new sin, I applied my hsbc bank golden master card and it’s approved.. How is these situation to be? I am confused.
Can I cancle my first credit card and used my new credit card to build up my new credit? How’s my old credit history?

Thank you for your answer!

By: m2w_dj

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stepcmpb asked:


My mother just decided to start paying her bills with a credit card to help build her credit history. Is that a good idea?

Like if you don’t have good credit for instance from mis-paid bills and such, and you are offered a credit card from credit company that accepts you even with bad credit. Does it help you re-build it?

By: LuvMyAutisticSon

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