credit score

How can I get a good credit if no one will give me credit?

I have tried applying for credit cards but they won’t give me credit for lack of credit. How can I go about getting a good credit score? (Besides loan companies. Already trying that.)
I really don’t earn much at my job and I would like to get a JC Penny card or something like that for clothes.

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Thursday, July 30th, 2009 Debt 17 Comments

What website provides the best credit report for free?

I want to find out what my credit report looks like and my credit score. Can someone offer advice to which websites I should go to that provides the best credit report and score for free?

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What business credit cards are not attached to my personal credit?

Hello, I am trying to find out how to build my business credit without being attached to my personal credit score. I would like to know if anybody has information regarding what credit cards are available to do this. I would love any free information or links to sites that can tell me how to build my business credit. Thanks!!

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Monday, July 27th, 2009 Debt 7 Comments

My credit card balance is over 50%. How long will it take my credit score to go back up?

Hi. I recently just got my first credit card ever and used it to make a 00 purchase. The credit limit is 00, so obviously I’m over 50% of the balance, and I just learned that’s bad for credit scores. I expect to be able to pay off the purchase in the next two or three months. Will my credit score go back up immediately after I get the balance on my card down, or will it take a while? Thanks.

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Thursday, July 23rd, 2009 Debt 3 Comments

How do you lower your credit limit without lowering your overall credit score?

I have only have one revolving credit card, and I have a very high credit score. Because of this overall score they subsequently increase my credit line, even though I don’t ask for or use this revolving line of credit. Question? I have been told if you ask for a credit line decrease they lower your overall credit score? Why? What can you do to minimize a lowered credit score?

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Sunday, July 19th, 2009 Debt 11 Comments