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Displaying 40 to 50 (of 103 questions)
Page:   5 of 11
Date:
December 17, 2006, 4:06 am

I RECENTLY ACCESSED MY CREDIT REPORT AND FOUND THAT I WAS THE VICTIM OF FRAUD AND ALTHOUGH THERE IS A FRAUD ALERT ON MY REPORTS WITH ALL THREE AGENCIES...MY CREDIT INVESTIGATIONS FOUND THAT I WAS NOT RESPONSIBLE FOR ANY OF THE DELINQUENT ACCOUNTS AND ALL OF MY ACCOUNTS WERE IN GOOD STANDING. NOW UNTIL ALL OF MY INFORMATION IS UPDATED ON MY REPORTS WHAT DO I DO WHEN I AM DENIED CREDIT FROM SOMEONE?

Answer:

Credit history information with credit bureaus may update in different time periods - from one month to 10-12. You can send and official letter to all credit bureuas where describe the situation and prove your good credit with all possible documents on investigation of that case. If you want to apply for good credit cards you may really have problems with the best terms and instant approval, so the sooner you solve that sutioation, the sooner you will be able to apply for good credit cards again and use the best offers form our site.

Sincerely,
Manager of Immediate Credit Card Care Service

Date:
December 18, 2006, 7:33 am

I wish you all would state like the other sites who approved based on what type of credit. I see you have fair and bad credit, but I am looking for credit for my business. The only company that approved me was citi bank. They take people with fair credit for business accounts. Its the citi card with thank you. You should let your people know about that. Also there is First Equit bank. They supposed to take fair creditors too for business. Wells Fargo also supposed to work with fair creditors. Do the research and let me know.

I have the citi with thank you.

Answer:

CrediHit.com is a start-up in credit card deals business, so we continuously compare credit card offers that appear daily and choose the best ones that can be popular with our customers. Business credit cards are really issued for different types of credit today, so finding a fair credit card is not that difficult. Here we present Orchard and First PREMIER credit card offers, because they help build and improve credit history, which is also very important. Other credit cards for business are designed for good and excellent credit, though, as you have already mentioned, Citibank with Thank YOU points is available even with fair credit. I wish you good luck in your credit card deals, and if you ever need to change your credit card, please feel free to compare our credit card online again and apply for the best offers.

Sincerely,
Manager of Immediate Credit Card Care Service

Date:
December 24, 2006, 12:38 pm

I have heard that when you request a credit report, it shows up on your queries history. Is this true? Does it damage my credit further by getting one of these... say for instance I request a credit report and then apply for, say, a home loan at couple of different locations?

Answer:

Yes, it is true. The more you apply for different credit cards, the more it can damage your credit history. Though if you do it not so often, there is no reason to worry much. The longer you stay with the same credit card, same credit card company, the better your credit history is, the more creditworthy customer you are considered to be. This is the main idea about good credit history.


Best,
Manager of Immediate Credit Card Care Service

Date:
December 24, 2006, 12:38 pm

I have a 691 credit score and am trying to build my credit without a secured card which is a good one

Answer:

If you are looking for credit cards for fair credit, compare credit cards online and get the best fair credit credit card. Credit cards with fair credit help strengthen your credit history, so if you find that your credit report is not quite 'OK', credit cards for fair credit can help you.

Looking for fair credit cards, compare credit card offers by banks and choose fair credit credit cards sending your information to as many credit bureaus as possible. First PREMIER cards, for example, send your report to 3-4 bureaus that can significantly improve your credit history and give you a possibility to apply for good credit credit cards in future.


Best,
Manager of Immediate Credit Card Care Service

Date:
December 24, 2006, 12:39 pm

I have 2 credit cards, the payment together is to high for me right now due to some medial problems, I am getting back on my feet (single Mom) started a new job in January with a majot public transportation company where i will get regular pay increases. But I need help right now desperately, I am behind on these two credit cards and I cannot pay the amount they want to bring me back up, I am sure they are reporting to the credit agency's. I am looking for a credit card or loan where I can combine these two and have a smaller payment and less interest. I cant sleep good because of this and I want to pay these bills. I went through a bad divorce some time back and was left with some of these charges, please help me if you can, thank you.

Answer:

Usually, if you can afford it, and your credit history is good, a consolidation loan would make sense. Though, you'll need to use equity in your home for collateral. Do you have enough equity to do this?

If you're not a homeowner, there's still some companies that will do consolidations but it depends on how much you're talking about.

Still, if you need just to hold on for a couple of months, small minimal payments can be right what you need. If you credit is good, choose some of our 0% APR credit cards and use it for free for the first months and that's what you need, don't you? Pay off the debt on your existing credit cards with this new credit card and when the situation goes better, you will be able to pay off this card too.


Best,
Manager of Immediate Credit Card Care Service

Date:
December 24, 2006, 12:39 pm

I have sent this question several times. I would appreciate an answer or the reason why you cannot answer this question. I have applied for several credit cards and been denied on the basis of a bankruptcy filed more than 8 years ago. Other than the bankruptcy, my credit report is perfect. All the credit agencies score me at over 700. As I understand it, the bankruptcy will drop off in less than 2 years. Will the bureaus still be able to use the bankruptcies to deny me credit?

Answer:

Everything depends on the credit card company you apply for. Some banks are satisfied with you existing credit history, while some other, like American Express, for example, will refuse to give you a credit card if they see a bankruptcy in your report file. Credit score over 700 is definetely good enough for a very good credit card. Please go through good credit cards at our site and choose maybe offers from Chase bank or Discover. They should suit you in their rates and credit requirements. You can get low APR credit cards and no annual fee credit cards, as well as superior rewards - all depends on the right choice of credit card company.



Best,
Manager of Immediate Credit Card Care Service

Date:
December 24, 2006, 12:39 pm

I am looking for someone who will consider me for a 0% credit card balance transfer for at least a short time frame. I have a 622 credit card score and a $20,000 credit card debt. I only have this debt, and my car, my payment history is good, I am simply looking for an opportunity to decrease my debt.
Can you help?

Jennifer

Answer:

If you credit history is good enough, please feel free to compare our 0% balance transfer credit cards and no annual fee offers, so you could get an interest-free loan for the introductory period and then transfer your debt to another credit card.
Balance transfer cards let you move your debt from one credit card to another, so if you make a comparison of credit cards and find betters terms, you can change your credit card. Compare credit cards with balance transfers to find credit cards with no balance transfer fee and low APR balance transfers.


Best,
Manager of Immediate Credit Card Care Service

Date:
December 24, 2006, 12:39 pm

I am recovering from past credit problems. I have been turned down for fully unsecured credit cards. Is there a major company/bank which has a line of 50% secured or partially secured credit national cards with limits higher than $200 or $300 available from Orchid or Prenium. Both of those companies (and I have had both) charge rather high fees etc.

Answer:

Bad credit usually leads to problems in getting the best rates for credit cards. So there's no wonder that the offers you can find either charge high rates, or want a collateral to guarantee your debt. What you should do first is to compare credit card rates to find low APR cards, find the best limit of credit for bad credit, compare credit card offers for secured and unsecured credit cards with bad credit and make your decision. Maybe a fully secured credit card would be a better decision for you. I have heard about credit cards that are secured with a co-signer, or couple of the, though cannot advice any of them right now. Also look through our bad credit card offers - maybe you will find the one that suits you.


Best,
Manager of Immediate Credit Card Care Service

Date:
January 18, 2007, 5:15 am

Please help, I have not applied for ANY card yet, lost a business in 2004, not in Bankruptcy, but have tax liens, have exc.job, need card with 3000.00 limit. son going to college and need immed. Please advise, Thanks

Answer:

Unfortunately, if you are facing a no credit situation, you cannot apply for a credit card with 3000.00 limit. To be eligible for such a credit limit, you are supposed to have a certain credit history and a credit score the size enough for 3000.00. Under the circumstances the best thing for you would be to apply for a Secured Credit Card which you can be approved of irrespective of your credit situation. Mind it, though, that you are supposed to make a beforehand deposit before you can get your card. The deposit makes up your credit limit, so you can define its size at your discretion.

Best,
Manager of Immediate Credit Card Care Service

Date:
January 30, 2007, 3:25 am

why can't i get a credit card to build my credit? i can get a car, jewelery but no credit card that makes no sence.

Answer:

When you are going to apply for a credit card with any credit history, you need to know your current credit rating to choose a credit card accordingly. For this, apply for a free copy of your credit report that provides your personal data (name, adress, social security, job and income) and includes financial tracking information (whether you applied for a loan, how many times you did it and how you repaid it). A credit card company will need the credit report to decide what credit card to issue you. So, if you are not approved for a credit card, it means you do not qualify. But we provide you with a wide range of no credit credit cards which are easy to be approved of. Compare credit cards for no credit history and apply now to start your credit.

Best,
Manager of Immediate Credit Card Care Service

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