My credit card score is 642. Is this good?

My credit card score is 642. Is this good?

I am a college student and got my first ever credit cards in September (three months a go). My credit score is 642. It said the key factors that affected your credit score were: ‘Banking history unacceptable’ and ‘Number of inquiries on credit bureau.’” What does this mean? And how can I increase my score?”

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“”What is the fastest way to rebuild credit, all my bills are paid. Do I get a auto loan, or credit card. Thanx?

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I wanted to get a credit card or loan to get my teeth fixed. I have average to good credit a 720 ?
I can’t get a credit card to save my life and secured credit cards have to be the worst I work but I’m not bout to put money in a card that I can only spend the amount of money I put in maybe a payday loan or some thing….
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Should my boyfriend accept to be added to his parents mortgage?
My Fiance’s parents want to add him to their house mortgage so that the interest rate on their house lowers. they’ve told him that he would need to be on the title for at least a year and then he can get out. we are planning on getting married by end of this year or beginning of next year and would like to purchase an apartment together. Would being on his parents house title affect him when we want to purchase our apartment? I’ve heard several versions from other people, some have told me that if i get married to him while hes still on their house title that i will also be liable for the house and that we will both have a bad record (with our credit) if the house at any point went on foreclosure. what should we do?””
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Looking for a payday loan that doesn’t lie about guaranteed approvals?

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How do you leave a courtesy call for a cash advance company?
How do you leave a courtesy call politely reminding them, and/or letting them know to pay back their loan? An answer for both would be great!””
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“”Auto Loan 26,000–72 months-23%, if i refinance…am i refinancing 26,000 or 50,000?””
Okay so purchase price = 26,000 Loan at 23% for 72 months(6years) If I refinance after 1 year. Am I refinancing all of that 23% intrest, or just the principal balance?””
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How to pay the HSBC credit card bill online ?

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Anyone else get duped by freecreditreport.com?
Yes I didn’t read the fine print. Opt in rther than opt out should be the norm. To all those who say read the fine print””””…sorry I have a life and don’t have the time. I guess I should though seeing as no one can make money these days without being decieving.””””””
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Is there a site where I can find my credit score & whats on my report for free w/o a free trial offer?

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#repost

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Website that offers a free anual credit report?

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Loan shark debt collector?
What’s another term used for the debt collector of a loan shark?
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What payday loans is good to use?

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Low minimum mortgage loan question?
Does anyone know of any lenders that will mortgage out a lower minimum than $50k? I’m looking at home prices in the $40k — $50k range also, what interest rate could a credit score of 713 fetch? Thanks in advance.””
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How long does it typically take to complete a chapter 7 bankruptcy?
Nevada, if it matters….””
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Why do loan sharks worry less about moral hazard in connection with their borrowers than some other lenders do
in economic point of view
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“”My home is paid in full but I owe $10000 in back taxes, can I fill bankruptcy and keep my home?

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Can you get a payday loan in georgia?
atlanta
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Can some one sign over a house to save it from bankruptcy?
The mortgage is up to date but in mother’s name and mortgage in her name. Can I get her to sign it over to me and keep it from being sold by court.
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How can I get a home loan without a job?
I was questioned on the validity of my credit score (883) and was admonished that the credit score range is 300 to 850. I guess that is correct for FICO (whatever that is). My score of 883 was provided to me by Experian and is called a VantatgeScore with a range of 501–990. So, I don’t know what my 883 really means in relation to other scoring schemes.””
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“”WHere should i go for a home loan -Broker, bank, or those quicken loans and lending tree people any advise?””
im ready to buy a home, i just dont know where it would be best to go get my mortgrage loan from. A broker is base on points, banks are strict, lending tree and those type of places i dont really trust?? where would my best intrest be at??.””
“My credit card score is 642. Is this good?

I am a college student and got my first ever credit cards in September (three months a go). My credit score is 642. It said the key factors that affected your credit score were: ‘Banking history unacceptable’ and ‘Number of inquiries on credit bureau.’” What does this mean? And how can I increase my score?”

I am a college student and got my first ever credit cards in September (three months a go). My credit score is 642. It said the key factors that affected your credit score were: ‘Banking history unacceptable’ and ‘Number of inquiries on credit bureau.’” What does this mean? And how can I increase my score?”

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Anyone had experience with payday loans?
Do they send you to jail if you default? My sister has gotten so trapped by these. She gets another one to pay off the previous one.
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My student loans are In collections what should I do?
I KNOW I need to find a job people that’s not what my question is about. What I am asking is for advice on what I should do when they wont let me make payments. Am I right about the bankruptcy? is there any programs out there that can help me? I have applied for dog walking, fast food, maid services, gas stations, retail, sales. You name it I have applied for it. “”
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“”If I buy a car with cash now, can I refinance it into an auto loan later?””
I’m considering buying a car with cash from a private seller, but I would feel better about it if I knew that in the future I could get the cash back out”””” if I needed to by getting an auto loan from a bank. Does anyone know if this is possible?””””””
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Best way to save and earn money?
I have about $5000 I would like to put away for a year and was wondering what would be the best way to make a decent return on it. From what I read it seems to be a CD but I was wondering if anyone else had any other ideas.
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#repost

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“”If you file for bankruptcy, can you be fired from your job because of that?
?
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Sending money via credit card with PayPal. Is it a Cash Advance?
My girlfriend wants to pay her car payment with a Discover card but her Cash Advance limit is 300.00 while her credit limit is 500.00. Would sending money to me with her Discover card over PayPal count as a Cash Advance transaction or merely a credit purchase? If it weren’t then we could theoretically send more than 300.00, right?””
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I have a open auto loan can i get another one with a 545 credit score?

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Where can I get a free credit report without a credit card?

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#repost

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What should my payment to income percentage be for an auto loan?
I am applying for an auto loan. I know my payment to income percentage is right around 19% for the car i plan on buying. i talked to my local credit union and they told me they like to be no more than at 10%. Does anyone know of any places that may take a higher percentage than that? And would prolonging my loan period help me at all? Also a down payment and even maybe putting some tyoe of collateral on the loan? Please could i get some facts that will help me out.
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What rhymes with dance?

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Can I keep my car if I file bankruptcy?
I live in Florida and am filing Chapter 7. I have a 2006 Honda Accord that my mom bought me. She paid in full and has the canceled check. Also, I put her name on title in 2006 out of respect. It has 130,000 miles on it. My lawyer said they may try to take it from me but they will argue that it has high mileage and is in bad condition. (It is in great condition!) He said sometimes they don’t contest it but sometimes they do. The Blue Book value was around $7,000. I have no payments so what do you all think?””
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Can I finance (with an Auto loan not a personal loan) a 7 year old car?
My income is good…no debt presently paid off all student loans. I’m in the military and I make 2k a month but I have no housing, dental, or health costs, and very little food costs I only pay for food when I want to I can eat for free if wanted to all the time. But thanks for assuming I was a broke idiot kid.””
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#repost

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Is Bankruptcy the Only Option For Us?

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Would being a Guarantor affect our Mortgage?
My Husbands brother asked him to be their Guarantor for rent on their flat. We do want to help them out but it is a big thing for us to commit to. We are in the process of re-mortgaging to another lender. Does anyone know if being a Guarantor for someone will affect how much we would be allowed to borrow? Cause if it won’t affect this time what about in two years when we look for another mortgage? Presumably a credit check will be conducted by the letting company will this show up on any future credit checks that my Husband has to test his eligibility for a mortgage? Any information and advise would be greatly appreciated as if we have a good reason to say no my husband will not feel as bad!
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Anyone know any good places for loans without credit/bank account?
Places like AMSCOT want a bank account, well I use WALMART MONEY CARD which does everything a bank does except give checks. So I need cash fast and I have no credit. Can someone point to me a good site? So many ones I’ve found on google just seem like scams.””
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How can I get credit card statement (HSBC) online.?

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#repost

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Auto loan with bad credit?
What are my chances of getting a car loan with bad credit? I’m 22 and this is incredibly embarassing but i’ve got $8,000–10,000 from hospital bills. I’ve been at my job for a year but i really need to get a better car. I’d like to take a higher paying job but its 20 miles farther and i need a reliable vehicle. i can put about $1,300 down right away. I’m basically willing to pay whatever high interest rate in order to get a loan. Any suggestions? Will it help my chances of getting one if i’m currently taking part in credit counseling? Anyone know of any companies i can apply with?””
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“”How much of a home loan can I qualify for? Most affordability”””” calculators online show a low loan amount.””””””
My husband and I live in Southern California and we are planning on getting pre-qualified for a home soon. I want to know what to expect as far as the amount of a home loan we can qualify for. My husband and I’s net income is about $90k per year together. Our credit scores are both between 720 and 735. We have no credit card debt or student loans. Our only monthly debt is our vehicles, which combined is $950 a month. Online affordability calculators show a loan amount around $230 — $250k, which is pretty crappy for homes in southern California. How accurate are these calculators? Could we qualify for more?””
“My credit card score is 642. Is this good?

I am a college student and got my first ever credit cards in September (three months a go). My credit score is 642. It said the key factors that affected your credit score were: ‘Banking history unacceptable’ and ‘Number of inquiries on credit bureau.’” What does this mean? And how can I increase my score?”

“
Black ops online stats?
how can I check my call of duty black ops stats online from my pc? I can check from within the game but is there any website which lets me do it from my Pc Thanks in advance
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Interest on Auto Loan?
I am being charged $8.65 per day in interest on my auto loan. My question is can I pay the same amount each day to stop the interest charges from accumulating. Please let me know. Thanks
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Can i buy stuff online using paypal without my credit card number?
i’m trying to sell something on ebay, and i dont want to link my credit card to my paypal account, can I still continue to receive money on my paypal without having to put your credit card number in? and if i do receive money to my paypal account, i will only be allowed to buy things online with paypal, nothing to do with my bank account, right?””
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“”I need a 10,000 dollar student loan with no cosigner.?””
Hi. I am 18 years old with no credit. I need 10,000 dollars to cover the cost of living (apartment rent, bills, food, etc.) while in school full time. I have already used up all of the federal aid I received. So my question is: is there any way I can get a private student loan with no cosigner. My parents have bad credit so they are not an option.””
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I need a 500 dollar loan….?
OK so i need a 500 dollar loan in less than 8days i need to pay two fines of 250 dollars each of course i might not have to pay the 500 in 8days if i get an extension but, the point is if i dnt get an extension then i am going to have a loan for sure and i DNt have a Job right now and even if i did have one i wouldnt be able to pay 500 in 10 days nor could i find a job that pays 500 a week in less than 10 days so please some one help me i need to have 500 dollars by 6–29–09 and its 6–22–09 alreadyy help mee i cant ask my parents for money thats for sure cuz they dnt know i got a fine n its my first one so i dnt [lan on telling them””
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#repost

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Do pornographic sites show up on your credit card activity/statement?
I want to subscribe to Kink.com but i don’t want it to say the name of the website im subscribed to on my credit card activity. Does anyone know what the name will appear as on my credit card activity?
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Buying a house after bankruptcy?
I would like to purchase a house sometime in the next year or 2. This is my situation, I filed bankruptcy april 2010 and was discharged june 2010. my credit score right now is 601. I’m not married yet but my bf and i have been together 7 years and would like to buy a house together. I would rather not get a credit card because I do not trust myself honestly with one. I use pretty much cash or my debit card for everything. I am hoping to purchase a house thats in forclosure maybe or a house under 200,000 (otherwords not too expensive). Please give me some advice. Thanks.””
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Do you think I can get an auto loan?
I was wanting to buy my first car, and I was wondering if you think I would meet the requirements for an auto loan? The car is a 2008 Mercedes Benz C300 4MATIC AWD with 43,280 miles. ($26,000) Me: 18, average credit score 790, very professional, always pay bills and what not Job: Owner of 2 businesses (average annual income $55,000) Thanks!””
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Which will raise my credit score sooner?
I used to think charging on the credit card and then completely paying it off each time was best, but I was talking to my bank rep. and she said to keep a small balance on the credit card and make large monthly payments instead. For example, if my credit limit is $500 then charge about $200 and pay $50 each month. Which is best?””
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#repost

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Iceland beat the 1%. Why don’t Americans do the same?

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How do I figure out the interest on a bank loan?
I borrowed $10, 000 from the bank. The bank is charging me 6.3%/a interest for 3 years until it is paid off. My monthly payments are $305.58, I need to figure out what I am going to owe at the end of the first month. Please help me figure it out!!!””
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Loans & bankruptcy.?
Here are some extra details, I am in Nevada, USA and this debt is all from private bank school loans.””
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“”Better to buy the car first, or the house first? Please read:?””
We have great credit. We have been approved for a loan, but we haven’t found the house we really want. We also want to get a new car. I have seen situations where if a person still even has only $1000 left on a car loan, their mortgage is approved for $20,000 LESS than if they didn’t still have the car loan. I am guessing it is better to buy the house first, then get the car, but I think we will actually NEED the new car sooner than the house. Thanks!””
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Husband cosigned a auto loan for 19 yr. old daughter. she had a accident. no insurance. insurance co. suing us
daughter let ins. lapse. wrecked on her way home from work. witness says the other lady had just passed him and was speeding, but she went into the curve so he never actually saw the wreck. state patrol did not take his statement. he also called them 3 times to try and give his statement. my daughter got a ticket for crossing the center line. her car was totaled. she is now paying 15,000 for a wrecked car(hard lesson learned) nobody was hurt in this wreck. the other car had front drivers fender damage and i think something to the door. can’t get them to tell me what. her insurance co. is suing my daughter and us for almost 12,000- damages and pain and suffering. husbands name is on the title with daughter. also dept. of licensing sent a letter saying there was probably going to be a judgement against us and they will pull both daughters and husbands license if we dont make arrangements to pay 12,000.””
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I have a payday loan & i am unable 2 pay what happens if i do not extend & pay it when i have the full amount.?
I have closed my bank account & the payday advance place has a check w/ my name on it.. If i decide not to extend my loan & just wait until i have the full amount and pay it in full when i can will i get in trouble with the law. speedy cash is the loan place & i still have an account with the same bank but i had to close my old acc fo fraud. do u guys think the loan place will take me to court or take action if i dont extend or pay quick.. i only need 2 weeks but w/ out having to pay an extension fee every 2 weeks to get the mon together
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Am I being impatient with my credit?
For the last two years I have been trying to improve my credit. Pay all bills ontime or early, I have not applied for any credit (no inquires) paid off debt, increase my earnings, added no new collections, recieve credit counceling . I had originally had about 6,000 worth of debt utility bills, cell phone mostly 1500 still remains as credit card debt w/total debt of 4,000. I have student loan in good standing, financed two cars (JD BYRIder), and now a third with no late payments. My score went up from 550 to 590 and now back down to 560 in two years. What can I do to keep it up, why would it go up and then down? What can I do besides what I cam currently doing to keep it up?””
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Can the auto loan company hurt my credit?

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What can siamese fighting fish live with guppies and red tailed sharks?
my friend wants to know
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Where can I get copy or certified copy of a Bankruptcy schedule filed in 2002?
I’m trying to find a copy of my uncle’s bankruptcy schedule that was filed back in 2002 here in Los Angeles California. What is the procedure to do that? Can we get it online or have to go in person to the court? Any information will be helpful. Thanks
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Where can I get a free credit report online hopefully with credit monitoring?

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How do I find out if my identity was stolen?
I’m only 17, but last month I lost my wallet and it had my ID in there. I just now found out that my SSN card was in there as I thought all along that it was mixed in with some papers and I couldn’t find it. What do I have to do to find out if my identity has been stolen and can I alert the government of this mistake?””
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Where do i find the pin number on my mastercard to us it as a atm card?
i tried putting 16 digit number in atm and other numbers on the card, but still did not get any cash what am i doing wrong, the card says cirrus so it should work in a atm that has the logo on it””
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How can a 16 year old save money?
Im about to get a job.
“My credit card score is 642. Is this good?

I am a college student and got my first ever credit cards in September (three months a go). My credit score is 642. It said the key factors that affected your credit score were: ‘Banking history unacceptable’ and ‘Number of inquiries on credit bureau.’” What does this mean? And how can I increase my score?”

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