Debt Consolidation

What is the difference between a credit score and a credit report?

I did my research and I realized that i have a good credit report standing.

I only have 2 accounts that I am currently using.
Out of those two, for one I do have a balance but I always pay my bills on time except for two times when i was late because, the credit card company gave me the wrong due dates
They did remove the late fees however.
But 7 open in total.
5 unused
Two of them are sallie mae for school
and the other
1 for victorias secret- never used it. If I do use it I pay it once the bill comes
and the other two i dont plan on using.

Does that mean I have a bad credit score?

Tags: bad credit, credit card company, credit report, credit score, due dates, late fees, sallie mae

How long can a bank keep a delinquency on a credit report?

Back in 1997, I ran into some financial trouble and took out a loan for the balance on a mobile home I once owned. I defaulted on the loan that year, but it is still on my credit report. I wrote letters to the bank and to the credit reporting agencies, and this is still on my credit report. This is the only bad credit/delinquency I’ve ever had. I would appreciate any suggestions.

Tags: bad credit, credit delinquency, credit report, credit reporting agencies, financial trouble, mobile home

What happens to your credit report after filling bankruptcy?

Does all the bad credit listed on your report just get wiped out? Is there a bankruptcy listed on it?
I heard you can get credit very easily after filing bankruptcy as you cannot file bankruptcy for 7 years. Is that true? I heard its easy to rebuild your credit after.

Tags: bad credit, filing bankruptcy

How exactly does a credit card work?

I want to apply for a credit card that starts out with a minimum credit line of 0. If I get it, it will be my first credit card. If I get the 0 credit, I want to make a purchase for like 0. Is this a good thing or a bad thing to do? Can someone give me some good tips on handling a credit card without getting bad credit?
I will mostly be using this card trying to start an at-home business.
Ya mama b*tch. Eat my p*ssy, h*e!!!
Oh, rudecatt63, you’ve hurt my feelings ever so much, I’m going to cry….NOT. For someone who keeps visiting the GLBT section and has a rainbow in they’re background, you sure do do a lot of gay bashing. Self hate is so stupid. But then again if I were you, I would probably hate myself too.

Tags: bad credit, credit card, feelings, home business, mama, minimum credit line, rainbow, self hate, ya

What is the best credit card for a beginner but also for a student?

I never had a credit card in my life before. I was always scared that I might fall under the bad credit before I reach 25! But now, I really need a credit card, but I want to know which one is the best one to apply for? I am also a full time student, so I don’t know if there are companies that offer a credit with help for a student.

Tags: bad credit, credit card, full time, time student