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US credit score shenanigans

Non-American working in the US for 3 months, then returning to the US a year or two later. I want to use this 2 year gap to build a US credit score. How can I make this work? [more inside]
posted by Ashlyth on Sep 15, 2014 - 7 answers

Credit card balance transfer questions.

My husband recently had to put $5000 on his credit card after using our emergency savings. We will not be able to pay this amount at the end of the month or in the next few months. I'm interested in the option of a balance transfer to a new card with a lower interest rate. [more inside]
posted by Coffee Bean on Aug 25, 2014 - 16 answers

What credit sites actually show real scores?

I need to find out my updated credit scores. I've already used up my once a year free inquiry back in April. I've used sites like credit.com and creditkarma but their scores are "modeled" scores and not the real thing. Where can I get accurate reporting on score numbers from the Big 3 bureaus? [more inside]
posted by caveatz on Aug 22, 2014 - 7 answers

Credit fraud

Asking for a friend: looks like an ex has gotten an apartment in Chicago using my friend's name and credit. What should he do? [more inside]
posted by Craig on Aug 7, 2014 - 15 answers

Looking for the best Credit Card option to transfer Approx. 18k balance

Fell on some hard times in the last two years, blah blah blah... Anyways...We built up about $18,000 in credit card debt, with little savings left.... We are slowly getting back on our feet and would like to minimize the damage of interest that will build as we try and pay this card off... [more inside]
posted by TwilightKid on Aug 5, 2014 - 11 answers

Loan for renovation of NYC Co-Op Apartment ? (no HELOCs/mortgages)

Loan for renovation of NYC Co-Op Apartment? (no HELOCs/mortgages). [more inside]
posted by lalochezia on Aug 5, 2014 - 4 answers

Mortgage application complications: my mortgage, her investment account

My partner and I are applying for a mortgage. Our credit union will only approve me for the mortgage, though, since my partner has no recent credit history. We're fine with just putting me on the mortgage, but there's a hitch: we are planning to use part of an investment account for the down-payment, and that account is only in my partner's name. We share (JTWROS) another investment account with the same firm. If we add my name to her account now, will we raise red flags? Is there a better approach we're not thinking of? [more inside]
posted by brackish.line on Aug 5, 2014 - 14 answers

Dip into savings to pay off credit card?

My credit card is acruing interest at about the rate of netflix per month. I have enough cash to pay it off but that would be about half my balance of my savings account. Should I pay it off or should I keep chipping away with it and not putting any more than I have too on the card?
posted by mamamia88 on Jul 30, 2014 - 15 answers

Help me think through getting my very first credit card

I'm in my mid-thirties and have good credit, but I've never had a "real" credit card. I'm going on an international trip in December/January, and in the hopes of offsetting some of my plane tickets through signup bonus miles, now seems as good a time as any to finally get a credit card (still, I'm not averse to cash back rather than miles). Give me advice! [more inside]
posted by tapir-whorf on Jun 30, 2014 - 18 answers

Remembrance of Financial Catastrophes Past

Asking on behalf of a friend (let's call her "Liz"): can a credit restoration company help fix a credit report with multiple charge-offs? If not, what CAN be done? Sadly drifting swirls of bleak gray snowflakes within... [more inside]
posted by julthumbscrew on Jun 24, 2014 - 9 answers

If i activate my new credit card will i need to transfer my balance?

If i activate my new credit card will i need to transfer my balance over or will they have already done that? [more inside]
posted by earthquakeglue on Jun 21, 2014 - 4 answers

is bad credit really wiped out after 7 years?

I will try to forgo going into a lot of detail, but certain dramatic events in my life caused me to default on a couple of credit cards years ago and sunk my credit rating into the toilet. I never made any payments on it again and never got another credit card because I had other things on my mind. And Technically I wasn't supposed to be alive now either (Cancer) but suprisingly I survived so now instead of worrying about death I guess I'm worrying about things that normal people worry about now. Like credit rating. I've read that after 7 years you get a clean slate on a debt. It's almost been 7 years since the last payment I made and I'm wondering if I will get a clean slate after that.
posted by manderin on Jun 8, 2014 - 8 answers

Multiple NSF charges for one payment

I am pissed that I got THREE non-sufficient fund charges from my bank for the same single payment that did not go through. What can I do about this? [more inside]
posted by mysterious_stranger on May 21, 2014 - 7 answers

How can I take over a car loan after the death of a relative?

It's okay with the estate, but now I need to deal with the car company. How do I make sure that I can take over the car loan of a dead relative in order to keep the (sentimental) car, keeping in mind bad credit and not enough money to pay it off entirely? [more inside]
posted by anonymous on May 20, 2014 - 10 answers

Hello, we'd like to outsource our home office.

My boyfriend and I would like to rent a nearby office space to use as....well, office space. However, neither of us have enough freelance income to justify the cost on the application papers. [more inside]
posted by redsparkler on May 19, 2014 - 12 answers

How will my joint mortgage affect my solo auto loan application?

How will my joint mortgage affect my debt-to-income ratio when I apply for a new car loan WITHOUT a co-signer? (Snowflake details inside.) [more inside]
posted by ilikemethisway on May 5, 2014 - 6 answers

Good credit card for a young-ish couple looking to rebuild credit?

My girlfriend and I are older, full-time college students with part-time jobs. She has a couple of blemishes on her credit history, whereas mine is pretty limited. I'm looking for a good card to help us establish more credit and help repair hers, that can also offer cool rewards -- either in the form of cash back or rewards points. Details inside. [more inside]
posted by HiphopAnonymous on Apr 29, 2014 - 7 answers

Help me buy a car the right way, this time.

I just moved to Charlottesville, Va from California. Bought a car here quickly after getting here through Carmax which I am realizing now is way too nice, my car payments are too much ($247/month) and I worry too much about when parking, driving etc. (a 2010 Toyota Prius, 6 year loan that I owe 15k on). [more inside]
posted by ethel on Apr 12, 2014 - 11 answers

Can I gain something by strategically opening credit cards?

In January, I got my business successfully running, paid off and closed a bunch of personal credit cards, and began making a decent amount of money. Now I'm in a place to start opening credit cards and rebuilding my credit. Last time I looked (10 years ago), there were ways to open new credit card accounts, and as long as you were responsible about always paying off all of your balances at the end of every month, you could get bunches of free flights and bonuses and things. I recall people who played with new account bonuses as a relatively lucrative game. Is this still a thing? Is it worth the time?
posted by sirion on Apr 2, 2014 - 7 answers

Is your credit card cool?

I'm shopping around for a credit card for the first time in ages - I've decided airline miles are a sucker's game, and just want something more straightforward. I'd like to know if there's anything really forward-thinking going on in the credit card world, because it all looks like "fees versus rates versus weird points schemes". If you have a credit card that you love (or hate) can you tell me why? FWIW, good credit, revolve occasionally (once a year or so?), and willing to pay a fee for something truly good. I've looked at previous questions but it feels like the landscape changes so quickly!
posted by ersatzkat on Mar 28, 2014 - 29 answers

Taxes and credit cards

I owe the IRS a not-insignificant chunk of change. Is there some way I could benefit from this? [more inside]
posted by null14 on Mar 27, 2014 - 8 answers

Final pre-purchase car questions!

Continuing my car questions (1, 2, 3). We’re buying a gently used Forester. Two questions I need to resolve before picking up the car: should I finance any part of the purchase (can pay all cash), and should I pay to extend the bumper-to-bumper warranty to seven years? [more inside]
posted by Admiral Haddock on Mar 26, 2014 - 14 answers

Should I pay off this old bill?

I have an unpaid bill from three years ago for about $200 that no one's trying to collect anymore. Doesn't seem to have shown up on my credit rating / reports. Is there any upside to paying it now? Is there any potential downside? [more inside]
posted by anonymous on Mar 21, 2014 - 11 answers

Can I change my rewards program without changing my credit card?

I have a Visa credit card though an airline rewards program. I moved last year and have rarely been flying on that airline recently, since they don't have a lot of flights out of my current location. Since I'm not getting much out of the rewards, I'd like to change to another rewards program (not airline-related) that I'm sure to use more. I don't want to unnecessarily hurt my credit history by canceling the card and opening a new one. The new rewards card I'm interested in is also Visa, and offered through the same bank as my current card. Is there a way I can keep the same credit card account and simply switch reward programs?
posted by redlines on Mar 20, 2014 - 7 answers

Will this affect my credit?

I have near perfect credit. I only use my Discover card that I have rewards on and pay off the balance every month. I do have a credit card from a credit union that I never use. I just received a letter in the mail that stated that the credit union credit card is about to expire and won't be reissued due to inactivity. Will this affect my credit? If I don't care about the card, should I just let it "die"? Thanks
posted by kbbbo on Mar 7, 2014 - 10 answers

Getting cold feet on refinance with unknown 3d party credit union

Does anyone know the skinny on CU Community, a credit union lender based in Springfield, MO? [more inside]
posted by mmiddle on Mar 6, 2014 - 6 answers

How do I help someone Overseas build credit in the US?

How do I build someone's credit while they are overseas and not a US citizen? I am getting married to someone who is Japanese (in about 5 months) and lives in Japan right now. Because I know we will one day want to buy a house, I want to start building her credit as soon as possible because I know that it is easier to get a loan with two people signing instead of one. [more inside]
posted by locussst on Mar 4, 2014 - 10 answers

How can I finance an unlocked, no-contract Android phone?

I'm considering signing up for one of Brightspot Mobile's pre-paid plans. I will need to buy an unlocked (or T-Mobile) phone and I'm interested in a Samsung Galaxy S4 or HTC One. Is there any possible way I can pay for it in installments? [more inside]
posted by The Winsome Parker Lewis on Feb 23, 2014 - 9 answers

Applying for a credit card with bank I stiffed 20 years ago.

So when I was in college I ran up a $700 credit card debt with Citibank visa. Then I didn't pay it. And for over a decade my credit was crap. But eventually I turned it around and have good credit again. So here's my question: I need to get a credit card for one of the biggest hotel chains as I stay there for business a bit. I'd like the benefits and points maximizing. Problem: the best card is run through citibank. Since my teenage folly I've changed my name but I still have the same SS#. Will applying today reactivate the debt with them?
posted by rileyray3000 on Feb 10, 2014 - 13 answers

What does the Target data breech actually mean to me?

I shopped at Target twice during the period last year that their customer data was compromised. I used my debit card once (which, ugh, I never shop with, but I must have needed cash back), and my credit card once. And apparently other information, like home and e-mail addresses, was also taken. How concerned should I really be, and how much effort should I put into changing card numbers and monitoring my own information? [more inside]
posted by LolaGeek on Jan 21, 2014 - 20 answers

Which credit monitoring services are reputable?

I'm looking for a credit monitoring service that will let me retrieve my full credit report once every 2 weeks. I'm okay with a < $20 monthly fee. I just want to know which services aren't a scam. [more inside]
posted by BenevolentActor on Jan 18, 2014 - 7 answers

Giving a business address for a personal credit card / Patriot Act

Aside from whether I should or why I should care what address I give a credit card company or bank, I am wondering whether the Patriot Act actually does allow consumers to give companies a business street address. It appears so but I'm no legal whiz so I'm looking for some answers out there. [more inside]
posted by trandolph on Jan 9, 2014 - 8 answers

Socially responsible credit card?

I need to sign up for a new credit card and am looking for one that is as socially/environmentally responsible as possible (i.e. not tied to big banks, corporations and/or oil companies who would be profiting off me as a consumer and doing bad things with that profit). Does such a card exist? I've searched online but am wary of bias.
posted by athousandtelephones on Dec 29, 2013 - 10 answers

How long should I wait before refinancing my car?

How long should I wait before refinancing my car? [more inside]
posted by Evilspork on Dec 15, 2013 - 4 answers

Can you explain these comments on my credit rating?

I have a fairly good FICO rating, but according to the report, these two factors are negatively impacting my rating. Can you explain these to me and--more importantly--offer some advice on how I can improve them? 1. Proportion of loan balances to loan amounts is too high. 2. Length of time revolving accounts have been established.
posted by jackypaper on Nov 14, 2013 - 10 answers

Recommendations for credit counselling

I am in financial difficulties because my wife and I are unable to work. The debts are mounting up, and I need some help. Can you recommend a credit counseling agency? [more inside]
posted by anonymous on Oct 29, 2013 - 5 answers

A medical bill was sent to collections. What do I do?

A medical bill was sent to collections. I am 25 and have no credit and no money. What do I do? Is it even possible to fix my credit? [more inside]
posted by dekathelon on Oct 21, 2013 - 13 answers

What's your favorite credit card?

I am (finally) shopping for a credit card and I want something with cash back and/or airline rewards. What do you recommend? [more inside]
posted by bluelight on Oct 1, 2013 - 26 answers

Do I really owe you?

Once a debt has gone to collections, is there any reason to pay it off? [more inside]
posted by eas98 on Sep 19, 2013 - 14 answers

I pay the creditor or I pay the government... any other options?

I'm on SSI for disability, with a long-outstanding credit card debt that's gone to collections. They keep offering me settlements, but a settlement would produce a 1099-C, and Social Security would count the cancelled debt amount as unearned income, which they take dollar-for-dollar out of my SSI checks. That's no better than paying the debt in full (which has been impossible for years and will be for years to come). Do I have any options other than continuing to ignore them? [more inside]
posted by WasabiFlux on Sep 18, 2013 - 16 answers

Help me deal with my gym's passive aggressiveness post-breakup stalking

I had a gym membership. Then I had a baby, and cancelled the gym membership in March. I was out of contract, paying month-to-month. Now they're trying to collect on post-cancellation "debts" for April through June. Help! [more inside]
posted by anonymous on Sep 16, 2013 - 11 answers

Help me understand credit scores

In aug and this first week of sept, I have managed to pay three of my four cards off completely. I kept the highest balance the one because of it's age and it's the lowest %. So, now I have a credit card and a mortgage. Was paying them off a good idea? I applied for a starwood Amex and got denied. I understand it was too early but when will I see a jump in my credit and will I? I paid about 10k at average of 22%. It is a huge huge deal for me!
posted by femmme on Sep 12, 2013 - 9 answers

How to prevent someone adding me to their bank and other accounts?

How do I prevent my mother from adding me to her accounts? [more inside]
posted by winna on Aug 30, 2013 - 9 answers

Is there a reason I shouldn't apply for/get a few more credit cards?

Lately I've been thinking I should apply for a few more credit cards in order to take advantage of points, cash back, and other bonuses. Assuming I am not currently in debt, I already own a home and don't foresee needing any loans in the near future, and assuming I pay my bill every month, is there a downside to doing this? [more inside]
posted by bondcliff on Aug 20, 2013 - 14 answers

Last apartment question on AskMe maybe forever hopefully

Is anybody going to rent to us in Chicago? We are recent graduates with mediocre credit, part-time jobs and no rental history. [more inside]
posted by stoneandstar on Jul 24, 2013 - 4 answers

How can I get a perfect credit score?

How can I get a perfect credit score? I have no debt and plenty of cash. [more inside]
posted by anonymous on Jul 17, 2013 - 16 answers

Recruiting Company for Employer Requesting Credit Report

I have been offered a job in the city I'm moving to -- only the recruiting company that the company offering me the position uses for hiring processes not only wants me to submit to the regular drug screen and background check -- but also to a credit check. According to my state's law, this may be illegal. I have hospital bills spanning from a surgery I had to get a few years ago after I lost my job/ insurance. Can I spin this in my favor at all or am I screwed? [more inside]
posted by camylanded on Jul 15, 2013 - 15 answers

Credit card fraud but card was never activated, is this even possible?

A few days ago my mom got a bill for a department store credit card, Dress Barn issued by Comenity bank, she opened up 5 years ago. She took advantage of the "get 20% off when opening a credit card with us" offers at the time. When the actual card came, it just sat unactivated in her filing cabinet. The card didn't have a visable expiration date on it. [more inside]
posted by glenno86 on Jul 9, 2013 - 10 answers

Debt, debt, go away! I'd like to have a life someday!

Right now I'm poor, I'm in debt, and I don't know the best way to proceed. Please help me make a plan to tackle my debts. [more inside]
posted by Zen unicorn rainbow zen journal on Jul 2, 2013 - 14 answers

Absolutely cheapest merchant fees?

How can I arrange for the absolutely cheapest possible merchant fees when processing a credit card online? [more inside]
posted by jsturgill on Jun 26, 2013 - 15 answers

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