This topic contains 7 replies, has 2 voices, and was last updated by Anonymous 7 years, 12 months ago.
- May 14, 2011 at 6:16 am #210536
I’m 18 years old and are applying for a capital one credit card. One of the required fields is if i rent or own a home and how much my rent/mortgage is. The problem is I still live at home. My sister had a capital one card before she moved out so why is it a required field for me?
I just want to build credit so that i’ll be able to rent an apartment someday. I’m pretty responsible for my age. Im only just turned 18 have over $3,000 in savings and i worked for every penny of it.
- June 23, 2011 at 12:27 am #326205
Credit repair is a waste of time and money. You can get a copy of your credit report for free on the web and clear up any errors on your own.
As for getting bad ratings ‘fixed’ there is no mystery; if a bad (but correctly so) rating is challenged, the creditor may upgrade the rating while investigating it, but will reinstate the bad rating after the investigation.
Save your $ 250-$ 500 and use it to help yourself get out of debt.
- June 23, 2011 at 12:28 am #326206
No, they don’t. Bad credit cannot be repaired, but a reputable, non-profit credit counseling servcie can often negotiate better payments or terms with the creditor. See below or look in your phone directory.
- June 23, 2011 at 1:01 am #326207
Everything they do you can do it yourself. Its very simple and will save you hundreds.
- June 23, 2011 at 1:29 am #326208
Depend how bad your credit is, they pretty much tell them to send you the report of the credit, and they dispute they errors, if they collectors doesn’t report within 30 days, that error gets clear, its a 50/50 chance. But if they send the report on the errors, there is nothing they can do.
- June 23, 2011 at 1:52 am #326209
There is nothing they can do legally that you can’t do yourself without the fee. Get a copy of your report from each of the credit bureaus. If there is inaccurate information, dispute it. The report will tell you how to do so. Accurate information can’t be removed. Most ‘credit repair’ companies just dispute everything negative and hope it will go away.
- June 23, 2011 at 2:37 am #326210
Be extremely careful if you decide to use a credit repair service. Many people have ended up in far worse shape than they were before they used them.
I agree with the other posters, save your money and learn how to handle your own credit repair.
Check out the site I’ve listed. It is a “free” do it yourself credit repair site. Start doing some reading in the newbie forum and then in the credit forum. After you have done some reading in the newbie forum and have any questions, feel free to post them in the credit forum.
Never pay a website for information that you can get for free.
- June 23, 2011 at 3:01 am #326211
if someone wants to get out of debt today it is pretty easy with a debt consolidation plan
however it may get a bit tricky at times, I suggest you get as much information as possible online on this first,
a good place to start in my humble opinion is:
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