Liberty Credit Repair

I have decent credit but I had cancelled all my cards when trying to get out of debt. I am now free of all unsecured debt but I need to have a card so in the future I won’t be hurt by having no credit.

I’m thinking I want a card with no annual fee and a low APR. The card would only be used very occassionally and paid off immediately. I have no desire to repeat previous mistakes.

Does anyone have any recommendations for a good card for this purpose?
Okay, as I said, but everyone is skipping, is that I have decent credit. My credit score is 700.

When I got into trouble I went into debt consolidation right away BEFORE my credit got screwed up.

But I do appreciate those of you who are taking the time to answer.

Congrats, on your cleaning up your debt and your credit score. What you want to do is compare credit cards and the good news is there are many internet sites that will allow you to.

Check www.creditland.com, www.bankrate.com, www.credit.com On these sites you can look and compare the credit cards that have no annual fee and a low APR. Also if you belong to a credit union, they have excellent rates. You may also consider doing a search for LOW credit card rates in search engines. USA Today does a comprehensive list every year.

I hope this helps you out.

Good Luck

Why is it that every time I go into a retail store they are trying to push some overprices scam credit card offer up on me. I mean like WTF? This time I give a polite answer no and this ladies response is amazing. She’s working at Old Navy and trying to tell me how to run my finances….well excuse me please take a flying leap

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I have good credit and im in the market for a business credit card. What company offers the best rates, offers, cash back programs ect? Please give me some ideas on programs i should look into from the major cards like, AE, Discover, MC, and Visa.

I use Discover for business and Chase for personal. Here is why:

Discover has had a long tradition of being different. When the Discover card was first introduced there was no annual fee, – that may not seem like a big deal but back in the day it absolutely was. Discover credit cards also offer cash back rewards.

For a business using Discover for their corporate credit cards this is a big advantage – you get cash back for spending. And the best part about using these particular corporate credit cards is that the cash back rewards are targeted at specific purchases that you will make as a business, such as gas, travel and office supplies.

The current standard APR on Discover corporate credit cards is 13.99%. There is also a 0% APR introductory offer. Remember – these cards come with a grace period of at least 25 days when you pay the balance in full each month. This means you can run your business interest free on Discover’s money in 25 day cycles.

A lot of the others have shorter grace periods – something most consumers don’t think to check up on.

Martin and an old friend get arrested for committing credit card fraud. So, Gina and the gang quickly scramble to come up with bail money.

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I’m soon to be 18 and am looking to get a credit card to help build credit. My dad said the best thing to do is to just use it to buy gas, but I’m not really all that up to date on how credit cards work and which ones are the best. Does anyone have any wise credit card wisdom to pass on to me?

Get a capital one credit card with a small credit limit so you don’t get in trouble. Its working for me!

Just fallow these guide lines and it will lead you to a better credit score. It just takes time and responsibility. Also I would get a free credit report at freecreditreport.com they give a summary of what your credit score means and how you can bring it up.

What factors raise your Score:
You’ve paid your bills on time and currently do not have any overdue accounts or derogatory information, such as a collection, charge-off, or bankruptcy, on your report. You can be proud of the fact that you are helping yourself maintain a good credit score, so continue with the positive credit behavior!

You have no open installment loans, such as auto loans, on your credit report. This positively influences your credit score because lenders feel you are more likely to pay your other bills without the fixed monthly payment attached to an installment loan.

Your credit report does not contain negative public records, such as a bankruptcy, lien, lawsuit or judgment filed within the last two years. This is having a positive impact on your credit score. Although public record items may remain on your credit report for seven to 15 years, depending on the item, an important piece of your credit history is paying your bills on time, every time.

I currently have two credit cards, but would like to get one final one. I’ve been getting turned down for a few recently that I thought sounded good. What are some good cards and websites where I can get a credit card that almost every gets approved for? I’m young(21) and trying to establish some more credit. My friend got approved for a Best Buy credit card tonight and his credit isn’t that good. However, I just want a main card(for example: visa, discover) and not a store card. Thanks for any help.

The sure-fire way of NEVER being turned down for a major credit card would be to apply for secured credit card. Basically what type of card this is, is that you give them money up front (say you ask for a $500 limit), and everytime you use that card, the money will already be in your account with that card and it will just come out. This secures to both the credit card company and to yourself that the money will always be in there, therefore there will never be any over-ages, late fees, and the the like and will guarantee you a strong credit building account. I hope that my answer has helped you.

also check me out on http://www.facebook.com/PeterSchiff and http://twitter.com/PeterSchiff

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My current credit score is 745 and I’ve built it solely by using credit cards and paying on time (but never had any loans). Somebody told me that the abscence of installement-paid loan will prevent my score from climbing much higher. Is it true? Should I take some consumer loan to boost my credit score since I am planning to apply for a mortgage in the near future?

You don’t need an installment loan. More often than not, they pull you DOWN. Who told you that? If you are looking for the free credit score national site, check out this site

http://Free-Credit-Score-National.com/

Here you can check your 3-in-1 Report from all three credit reporting agencies and your credit score rating for free, fast and secure.

Hope this help,

18. The Ring of Power – Credit Monopoly [18 29]

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I just applied for my first credit card ever yesterday, and I am hoping to get a credit limit of at least $1,500. I have no credit history whatsoever, I don’t have to make a house payment, no dependents, and I make $12.10 an hour working 35-40 hours a week. Would all those factors contribute to a higher or lower credit limit, and do you think I’d be eligible for the $1,500 limit?

Every creditor is different. They look at your history and capacity to pay.

If you don’t get what you want, use it for 6 months and pay it off every month, then call customer service and ask for a line increase. Keep asking every 6 – 12 months.