Credit Check Facts

Question by zeldadude: Can someone else use my best buy "store credit" card?
As in, is it the same thing as a gift card? Someone without my name on it can use it?

Best answer:

Answer by indie_dude80
Yes. It works just like a gift card.

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Question by Sammy: What is the best online resource to get a "poor credit" personal loan?

Best answer:

Answer by lanceh13
online resources for bad credit?...that's tough...especially if your looking for a personal loan. You would almost need to have some collateral to secure it. Are you looking to buy a car, or just some cash? furthermore...how much?

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Question by kuro_kei: The Best "Job is your Credit" dealerships in Georgia?
I am looking to get a another vehicle. My credit score is in the very low 500's. I'm looking to compile a list of dealerships that use your job as your credit. I'm looking to pay $ 600 down tops. Any help will be greatly appreciated.

Best answer:

Answer by N
Drive down any commercial blue collar area and there should be "we finance anyone" signs everywhere.

The problem you will have is that with $ 600 down, you are only going to get a total piece of crap.

You will need at least $ 1000-1200 in order to get the opportunity to overpay for a car.

Your best bet is to SKIP them. Buy a car for CASH.

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Question by Paul: What's the best way to establish "good credit" in the U.S?
I am moving to the U.S. soon and I have no credit.
What is the best way to establish good credit?

Best answer:

Answer by artiststree
Pay all your household bills on time, get a telephone in your name, open up a bank account put a lot of money in there and then apply for a credit card. Use the card sparingly and never charge up more than you have the money to pay it off in full at any time. Pay more than the minimum payment due each month. Stay in control of your credit and don't get in over your head. If you get an offer from another company you can apply for another card and do a balance transfer usually a 0% Apr for about a year. That will make it easier to pay it off on time. Remember you should have enough money in the bank to pay all you debt off in full should you need to. If you have $ 500 in the bank then don't charge up more than $ 500.

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Question by jimmeeb: which seems best; bankrupcty or debt solution? (debt solution i pay /mo)?
i know bankrupcty wipes the slate clean, but then takes 7-10 yrs to fix. debt solutions wants $ 60/mo, but will "repair" my credit over several months. is it really worth this?

Best answer:

Answer by Cate
Sure it's worth it. You are paying for things that you have received. From a morale standpoint, it's the best option.

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