TheCreditSolutionStore.com » Credit Cards http://thecreditsolutionstore.com Information, Advice, and News for Personal Credit Related Issues Sun, 28 Feb 2010 01:16:15 +0000 en hourly 1 http://wordpress.org/?v=3.0 Which are Instant approval Credit card co.’s? http://thecreditsolutionstore.com/credit-cards/which-are-instant-approval-credit-card-co-s/ http://thecreditsolutionstore.com/credit-cards/which-are-instant-approval-credit-card-co-s/#comments Mon, 17 Aug 2009 14:41:01 +0000 cburns http://thecreditsolutionstore.com/?p=448
bxzilla187 asked: 

Which credit card company has instant approval with a person that never had a credit card.

(IVE BEEN TURNED DOWN BY MY BANJ(GUESS THEY DONT TRUST ME)

]]> http://thecreditsolutionstore.com/credit-cards/which-are-instant-approval-credit-card-co-s/feed/ 0 What type of credit card can I apply for and get approved with current bad credit to start rebuilding? http://thecreditsolutionstore.com/credit-cards/what-type-of-credit-card-can-i-apply-for-and-get-approved-with-current-bad-credit-to-start-rebuilding/ http://thecreditsolutionstore.com/credit-cards/what-type-of-credit-card-can-i-apply-for-and-get-approved-with-current-bad-credit-to-start-rebuilding/#comments Fri, 14 Aug 2009 16:15:25 +0000 cburns http://thecreditsolutionstore.com/?p=373 Mrs. E asked:

Im currently disputing a lot of derrogatory info on my credit reports from all 3 agencies. I currently have no major credit cards and was informed that if I opened a credit card account and made the payments on time that would up my credit score.

]]> http://thecreditsolutionstore.com/credit-cards/what-type-of-credit-card-can-i-apply-for-and-get-approved-with-current-bad-credit-to-start-rebuilding/feed/ 1 How to get a credit card with no credit and no checking account? http://thecreditsolutionstore.com/credit-cards/how-to-get-a-credit-card-with-no-credit-and-no-checking-account/ http://thecreditsolutionstore.com/credit-cards/how-to-get-a-credit-card-with-no-credit-and-no-checking-account/#comments Fri, 07 Aug 2009 20:40:22 +0000 cburns http://thecreditsolutionstore.com/?p=293
mommy’s princess due 8.8.09! asked:

I’m young with no credit and no checking account. I’ve been looking online and have only come across debit cards or credit cards that require a checking account. Where and how can I get a CREDIT CARD w/ no credit and no checking account?

]]> http://thecreditsolutionstore.com/credit-cards/how-to-get-a-credit-card-with-no-credit-and-no-checking-account/feed/ 1 Can credit card companies close your accounts without warning? How does it affect your credit score? http://thecreditsolutionstore.com/credit-score/can-credit-card-companies-close-your-accounts-without-warning-how-does-it-affect-your-credit-score/ http://thecreditsolutionstore.com/credit-score/can-credit-card-companies-close-your-accounts-without-warning-how-does-it-affect-your-credit-score/#comments Wed, 05 Aug 2009 20:55:09 +0000 cburns http://thecreditsolutionstore.com/?p=301
Sara asked:

I received a letter in the mail from Juniper (iTunes Rewards) stating that they have closed my credit card account due to inactivity. I opened the account about 18 months ago and have never actually used it. Can they close my account just like that without any warning? How should I handle the situation? (Is there anything I can even do?)

Also, I know that closing credit card accounts lowers your credit score. Does anyone know how much mine will be affected?

]]> http://thecreditsolutionstore.com/credit-score/can-credit-card-companies-close-your-accounts-without-warning-how-does-it-affect-your-credit-score/feed/ 3 What is the best credit card I can get to start building my credit with? Or how can I start building my credit? http://thecreditsolutionstore.com/credit-cards/what-is-the-best-credit-card-i-can-get-to-start-building-my-credit-with-or-how-can-i-start-building-my-credit/ http://thecreditsolutionstore.com/credit-cards/what-is-the-best-credit-card-i-can-get-to-start-building-my-credit-with-or-how-can-i-start-building-my-credit/#comments Mon, 03 Aug 2009 14:35:07 +0000 cburns http://thecreditsolutionstore.com/?p=221
wrightemail256 asked:

Can I start building my credit by paying for things with my bank card and telling them to charge it on credit? (I do not know much about how to build my credit so please help me!)
Question: Best credit card to get to starting building credit and can I build my credit by using my bank card and telling them to charge it on credit instead of debit?

]]> http://thecreditsolutionstore.com/credit-cards/what-is-the-best-credit-card-i-can-get-to-start-building-my-credit-with-or-how-can-i-start-building-my-credit/feed/ 0 How can you fix bad credit, can you wait it out until it disappears off your credit report? http://thecreditsolutionstore.com/credit-repair/how-can-you-fix-bad-credit-can-you-wait-it-out-until-it-disappears-off-your-credit-report/ http://thecreditsolutionstore.com/credit-repair/how-can-you-fix-bad-credit-can-you-wait-it-out-until-it-disappears-off-your-credit-report/#comments Sun, 02 Aug 2009 06:05:29 +0000 cburns http://thecreditsolutionstore.com/?p=223
Kristy R asked:

I’ve heard bad stuff goes off your credit report after 7 years, so can you wait it out and have decent credit again after 7 years? Anyone know how that works or what to do to fix it?

]]> http://thecreditsolutionstore.com/credit-repair/how-can-you-fix-bad-credit-can-you-wait-it-out-until-it-disappears-off-your-credit-report/feed/ 7 Is requesting an increase in a credit card limit treated the same as an application for new credit for FICO? http://thecreditsolutionstore.com/credit-score/is-requesting-an-increase-in-a-credit-card-limit-treated-the-same-as-an-application-for-new-credit-for-fico/ http://thecreditsolutionstore.com/credit-score/is-requesting-an-increase-in-a-credit-card-limit-treated-the-same-as-an-application-for-new-credit-for-fico/#comments Sat, 01 Aug 2009 01:50:10 +0000 cburns http://thecreditsolutionstore.com/?p=195
MSB asked:

I know that applying for a new card will reduce my FICO, and that increasing credit limits (while keeping debt amounts constant) will increase my score – but this would not be the case if requesting the increase in credit limit is treated as a new credit card application?

]]> http://thecreditsolutionstore.com/credit-score/is-requesting-an-increase-in-a-credit-card-limit-treated-the-same-as-an-application-for-new-credit-for-fico/feed/ 6 What happens when you cancel a credit card? http://thecreditsolutionstore.com/credit-cards/what-happens-when-you-cancel-a-credit-card/ http://thecreditsolutionstore.com/credit-cards/what-happens-when-you-cancel-a-credit-card/#comments Fri, 31 Jul 2009 05:01:26 +0000 cburns http://thecreditsolutionstore.com/?p=189
Des-n-Jes asked:

I currently have 3 credit cards. I just got approved for another and it is in the mail on it’s way. I paid off the one with the lowest credit limit, and was thinking about cancelling it and just keeping the other three.

I have been working on building my credit for a long time, and it has been very difficult. Will cancelling this card hurt my score? Or will having too much available credit hurt it? Which is worse? What should I do to keep working on getting my credit score higher?
To sum it up, is it worse that I cancel the one card, or is it worse that I may have too many cards? I also have a loan on my car and loan with American General. They are always paid on time.

]]> http://thecreditsolutionstore.com/credit-cards/what-happens-when-you-cancel-a-credit-card/feed/ 4 When you pay off a credit card is it better to reduce the credit limit or close the account? http://thecreditsolutionstore.com/credit-cards/when-you-pay-off-a-credit-card-is-it-better-to-reduce-the-credit-limit-or-close-the-account/ http://thecreditsolutionstore.com/credit-cards/when-you-pay-off-a-credit-card-is-it-better-to-reduce-the-credit-limit-or-close-the-account/#comments Thu, 30 Jul 2009 04:22:12 +0000 cburns http://thecreditsolutionstore.com/?p=185
radioactive_babywipes asked:

I’ve heard that once you pay off a credit card you shouldn’t close the account to keep a good credit score. I’ve also heard that even though one pays off his credit card reducing the credit limit is also not a good option for keeping a great credit rating. What is the best way to handle this situation if you don’t really want the card around to prevent you from running the balance up, but also don’t want to hurt your credit rating. Is there any way to find out what exactly affects one’s credit score?

Examples: Let’s just say a website or book states something like filing for bankruptcy subtracts XXXX amount of points from your credit rating. Defaulting on credit card payments for XXX amount of months subtracts XXX amount of points from your credit rating. Paying off federal student loans adds or subtracts XXXX amount of points from your credit rating. Also is there anywhere that states how long certain things stay on your credit report?

]]> http://thecreditsolutionstore.com/credit-cards/when-you-pay-off-a-credit-card-is-it-better-to-reduce-the-credit-limit-or-close-the-account/feed/ 26 What is the best credit card to start my credit? http://thecreditsolutionstore.com/credit-cards/what-is-the-best-credit-card-to-start-my-credit/ http://thecreditsolutionstore.com/credit-cards/what-is-the-best-credit-card-to-start-my-credit/#comments Wed, 29 Jul 2009 04:21:16 +0000 cburns http://thecreditsolutionstore.com/?p=161
chaos_magician13 asked:

I recently turned 18 and im in a great living situation. i live with my dad, make about 1000 a month and im a musician. I wanted to buy a new bass and amp, but more importantly need to start my credit. I already have the money to buy the bass today, but i wanna see if i can start my credit with this purchase.The stores i went to say i need at least a 700 score to apply for their credit.
Is there any credit i can apply for, without having to pay financing and apr and so on without having credit to begin with. My plan is to buy the bass with credit, pay it off right away, and probably cancel the card right after.

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