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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4121
1011 Magic Points
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Fri Dec 19, 2008 3:33 pm
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| Keke, Have you found any good cards that will report to the credit bureaus so a person could get their credit rebuilt? I have not seen many around here. There are some listed under another posters (doc) website and it really explains soem about the cards advanrtages. You could always check that out or wait a couple yearss and try to get an in store credit card. The interest rate is higher but it would help you to rebuild. This is what I done. |
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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1343
162 Magic Points
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Subject: credit
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Sat Dec 20, 2008 2:33 pm
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| Ya know?........I thought I would 'share this thought' with all of you. I was looking on the website, to the Horizon Gold Card, again. In the VERY 'FINE' PRINT, it DOES say that they will be "debited your account for $90.00, just for the Processing Fee." OMG!! Just the Processing Fee?! I'm glad I never 'signed-up' for this card. |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4121
1011 Magic Points
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Sat Dec 20, 2008 2:40 pm
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| SD chargers, You will see alot of this if you do not have good credit. They will put on these annual fees and processing fees. Always ask ahead of time if that fee is yearly. This is how my one debt got out of control. It was suppose to be a one time fee and ended up being an annual fee that threw the account over the credit limit. Being young it was really hard to come up with the payment. They are passing new laws that credit card companies are not going to be able to charge such steep fees and will have to give you 30 days before listing your account as late. Hopefully this will pass soon,. |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4121
1011 Magic Points
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Sat Dec 20, 2008 8:29 pm
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| Thanks for the information. I think I have referred a few people over to that site because I seen some listings htere when I visited. |
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Doc
Joined: 02 Dec 2008
Doc's page
Posts: 165
Location: McKinney, TX
219 Magic Points
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Sat Dec 20, 2008 9:58 pm
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Yeah... I'm probably gonna do a post that breaks down what each type of card is, and does, plus pros/cons of each... Then have links to the different pages for each... Is that gonna freak anyone out, since I own that site..?
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-Doc Compton, Omega Credit Repair
I provide info for free, & all I ask is that you visit my site... I don't wanna sell you anything, I just wanna increase my traffic, and push my site up in the search engine rankings...
http://www.omegacreditrepair.com |
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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1343
162 Magic Points
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Subject: credit
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Sun Dec 21, 2008 2:27 am
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| I think that information would be helpful to ALOT of people, DOC. I'd be looking at it, anyway. |
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jeffrey
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Subject: website
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Fri Dec 26, 2008 7:43 am
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| i am needing to rebuild my credit so i am waiting to receive my card i am aware that its only used on there site, however i never seen what the web address of that site was... anybody? |
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Doc
Joined: 02 Dec 2008
Doc's page
Posts: 165
Location: McKinney, TX
219 Magic Points
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Sat Dec 27, 2008 1:17 am
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For what it's worth, the actual url for the site is :
http://www.creditgecko.com
Any questions about anything related to that site, or about credit matters in-general, feel free to ask me personally!
_________________
-Doc Compton, Omega Credit Repair
I provide info for free, & all I ask is that you visit my site... I don't wanna sell you anything, I just wanna increase my traffic, and push my site up in the search engine rankings...
http://www.omegacreditrepair.com |
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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1343
162 Magic Points
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Subject: credit
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Sat Dec 27, 2008 11:10 am
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| I've trying to give the Horizon Gold Card the 'benefit of the doubt' ( lack of a better word, I suppose). Trying to look up anything I can, ob this card. What I HAVE found ( poor ratings, several compliants,etc.) was not impressive to me. |
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Sun Jan 04, 2009 7:01 pm
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| Try the above web site that Doc lists. How long ago did your credit start going bad? Are the marks on your report at least two years old? If so you should be able to get approved for some type of card. |
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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1343
162 Magic Points
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Subject: cc
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Mon Jan 05, 2009 3:53 am
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| I DO have some 'negative' things that are a few years old, or older. I've been reading MORE on this Applied Credit Card, that is stated on DOC's website. the more I look at it, the more I think it's 'for me'. |
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carol
Joined: 27 Jun 2006
carol's page
Posts: 1308
28489 Magic Points
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Mon Jan 05, 2009 9:30 am
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Hi Sdchargers
I would always suggest not to apply for a new credit card if you already have a low score because whenever you apply for a new line of credit, you automatically authorize your creditor or the credit card company to conduct hard inquiry in your credit report which lowers your credit score. You should instead use your existing credit cards to improve your credit history, which will help you to increase your score.
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Keep in touch
Carol |
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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1343
162 Magic Points
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Subject: credit
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Mon Jan 05, 2009 11:09 am
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| Thanks, CAROL. However,..right now I don't have any CC's ( Line of Credit) to improve my credit with. I DID have a 'bad credit' CC, a few years ago. The % rate just kept getting higher and I just struggling with it. I felt like I wasn't even making a 'dent' in the balance. Got to the point I couldn't keep up with it. The account was 'closed' by the company. Just trying to 'start over' in THAT aspect. |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4121
1011 Magic Points
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Tue Jan 06, 2009 2:26 am
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| I heard on a news program that todays credit card companies wat to avoid selling debts to collectors so now if you call them they will do a debt settlement. It will show a red flag on your credit report but may save you from bankruptsy. If the original lender still has the card you could try this option. I replied to you earlier but it got deleted..not sure why since it had to do with your post..gave up trying to figure it out. |
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carol
Joined: 27 Jun 2006
carol's page
Posts: 1308
28489 Magic Points
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Tue Jan 06, 2009 6:28 am
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If you do not have a credit card to recover your credit, you should go for secured credit card which is backed by your own money and when you go for secured credit cards, there is no hard inquiry in your credit report. But unlike unsecured credit cards, secured cards has a annual charge which you need to pay. However, the interest rates are normally lower on secured credit cards as compared to unsecured cards.
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Keep in touch
Carol |
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