Debt Consolidation

What is a good credit card to get with average credit?

I know there is a whole bunch of crappy credit cards I can get but I want a decent one like ( Discover, Citibank,Visa,MasterCard) but I only have average credit which is not great but it isnt poor so I just want to know which one can I apply for and MOST LIKELY get approved for? Would I be able to get a exxon mobile card with average credit? I dont want to get denied keep that in mind…Credit score is about 635.

Tags: citibank visa, credit cards, credit score, exxon, exxon mobile card, visa mastercard

Is it possible to remove credit inquiries from my credit report?

Over the course of about three months I went on a desperate auto loan shopping spree. I was trying incredibly hard to get approved under my own name with only a year worth of credit history because I have no willing/able co-signer.

I’ve recieved about 20 inquiries and my credit score dropped over 50 points from the original 730 I had, bringing me from excellent credit to between fair and poor.

Now I know that people usually say that you should stay away from "credit repair" agencies. However, I feel cheated to have these inquires draining on my credit report for the next two years when I’ve been responsible with my credit cards as I don’t have a single late payment and I usually pay off half my debt or more every 2 weeks.

Please advise.

Tags: auto loan, co signer, credit cards, credit history, credit repair, credit report, credit score, inquiries, shopping spree, three months

What is the best credit card to apply for to rebuild credit?

I have a pretty low credit score (597) and want to begin rebuilding my credit. The score is low from charge offs about 3 years ago. Is there a certain bank or credit card that is easier on people like me that will give me a credit card? And yes–I do plan on paying on time. It would be for small simple purchases that I would otherwise buy with cash and could pay off easily each month.

Tags: 3 years, charge offs, credit card, credit score, paying on time

Is it better for your credit to have several credit cards with moderate limit, or one card with a high limit?

I have zero debt. I also have several credit cards. I am wondering how it will affect my credit to request the highest limit for each card, or if I should cancel all but 2 and have those with high spending limits. Along the same lines, how does "available" credit affect one’s credit score negatively or positively? If I get a ,000 limit on a card (with 0 balance) but say, go to buy a car, will I be denied because I have too much credit out there?

Tags: credit cards, credit score, zero debt

What matters more your credit score or the contents of your credit report?

If I have a good credit score but still have unpaid collection accounts on my credit report will lenders expect me to pay those before they would give me a mortgage? Or if my credit score is high does that mean they won’t really care about much else?

Tags: collection accounts, credit report, credit score, lenders, mortgage