Easy Line Of Credit

I abused my credit as a young adult but I've been able to bring it up to a somewhat acceptable 615. What are some agencies that I might have good luck with? Of course, these places also need to report positive as well as negative. Any help would be appreciated. Also, exactly how terrible is a 615? Am I still going to be automatically denied?

615 is not a good score. Depending on what is in your credit files you may be able to qualify for a car loan at slightly higher than normal rates. Major unsecured cards would not be approved. You may be approved for small credit lines at a dept store(Target,Macy's) or gas cards. But I can't be sure because I don't know what is in your credit files that makes your score low.

Go to www.myfico.com and look in the Credit Education section and learn about credit scoring and what you might do to bring your score up.

Good Luck

2006-04-16 21:04:09 by sharky_3_2000

Manulife Financial offers the most innovative line of credit in Canada for your home, instead of a mortgage. The Manulife One account combines ...

I pay my bill faithfully and have had a Cap one credit card for a while and I am now wanting to increase my credit line/available credit. Everything should go smoothly right?

If your credit is well within 720, and can verify income, you will have no problem. I will say this after a couple of experiences.

Always call every quarter to negotiate better prime rates and/or promotions.

American Express sent me a form to have permission to access my 2008 taxes. Do not do that unless you make good money on paper.

Due to the tightening of credit and new legislation, you might have t disclose more than before. The good ol' days of a 19 year-old having a $13,500 limit with 3 other credit cards as a sophomore in undergraduate (1999) are over.

Oh! You will take an inquiry hit which will lower your FICO score up to 10 points regardless if you get the bump. If you ask, ask for more than you need. That will allow your debt ratio level lower, thus making FICO score go up.

2009-07-10 11:24:17 by Carter

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I did the first 2 steps: 1. Getting Certified through the Secretary of State and 2. Calling the IRS and getting an EIN (Employee Identification Number). After doing some research I thought getting a small business line of credit wouldn't be hard but I'm kind of stuck here.

Even in a good economy, the two steps you outlined are not really prerequisites when getting a loan, more like the basics of complying with regulatory requirements for starting a business. You can apply for a loan even if your business does not have an EIN and will just use your SSN

What banks, and even SBA, looks at are:

- A business plan explaining what the business is

- Your personal credit history

- Financials of the business. If this is a new business, how realistic your financial projections are

- Your background and experience in the business -- this is KEY in the eyes of the bank because they want to make sure that you know what you are doing and that you can make the business work. If you don't have any experience with the business, have someone on board that knows the business to give banks assurance that someone will guide you

- Your credit factors because it shows your dependability and how well you handle credit. They will do a credit check on you and poor credit history may be frowned upon, or even reason for the disapproval of your loan application

- Your collateral. Banks, even SBA guaranteed loans, want the borrower to show collateral. They want to be guaranteed that somewhere somehow they can get payment from you

- Condition or terms of loans. Banks would want to know three important things: "How much money are you requesting? What will it be used for? and For how long will it be needed?" Banks oftentimes prefer to approve loans for items that can be identified, has lasting value, and can be repossessed and sold if things fail.

- Equity investment as they want to see that you are invested in your business as well

2009-02-04 10:04:24 by Blessed

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Loan, credit card? Why?

Crown Jewelers
$1500.00 credit line
Why-? Because they do no credit check, and everyone qualifies. They report to TransUnion and Experian. Not Equifax though. It helps build credit for those with no credit ,and people who have bad credit. No annual fee either.
The down side is you have to pay a small down payment for the first six months on the jewelry you buy. Then when you built trust with them; you don't have to pay a down payment.

Another good source to look up who gave people credit with what FICO scores, in their state, and which credit report was pulled is Who Gave Me Credit. It is the second link below.
Good luck! :-)

2008-07-18 16:42:15 by Ice Princess

There are so many cards you can apply online. See the site below and you'll see all the great ones. All of them can be applied online for an instant decision. Make sure you apply for one that you have enough credit for.

2008-08-19 17:19:59 by Sya aekira