I am trying to rebuild my credit, and would like to know if there are any sites that I can go to that does pay later plans and also help with credit because I have bad credit and need help please.
www.christian-credit-counselors.com/
A biblically based company won't rip you off.
i love this company & have ordered from them many many times (but not online)
www.yvesrocherusa.com/
they have a lot of really good deals -
There are a few companies that extend credit with no credit check -- Yves Rocher as mentioned, and also Fingerhut. But if you're trying to rebuild bad credit, they won't help you because they don't report your good payment history to the credit bureaus. To rebuild bad credit, you might want to get a secured Mastercard or Visa.
Here's an idea if you have a family member that has really good credit and are willing: If your mother, for instance, has good credit, she can add your name to some or all of her credit cards. You don't have to actually receive the card, she can shred it or whatever. But her good credit on that card, now becomes your good credit.
Actually, being added as an authorized user to someone else's card isn't the great plan it used to be. Because of the proliferation of businesses that were recruiting people with good credit and paying them to let strangers "piggyback" on their credit, the credit bureaus have wised up.
Also, you could check out DaveRamsey.com. He is a financial expert that is a Christian and really speaks in a language that the average person can understand. I've really learned a lot of sound principles from his radio show & books. Best of luck.
First what you want to do is quit spending! Pay on your credit cards, if you have any (on time--no extra charges) that you have now and your credit will improve in no time. Why would you want a pay later plan, all you are doing is...
If you have the cash, you can easily get a secured credit card. Use that, and this is key, PAY OFF THE FULL BALANCE EVERY MONTH! A secured credit card is one that is secured by money you deposit in a bank - say $2,000 - and the credit card will have a limit of $2,000. That way there is no risk to the bank. This will show potential lenders that you can now use credit and have the self-control to stay out of trouble with it.
Well first, you need to pay off those bad debts. Say if you have a target credit card that's in default. If you have major debt like car and home repo. then you should look into bankruptcy.
To build credit you need to obtain a credit card, even a secured one, and charge no more than 10% of the credit limit each month and pay this off. What will be reported on your file will only be the highest amount ever charged on the card but they will report that your account is current and paid as agreed.
Good Luck. As you see now..... American is based on someones credit report.
Here are the questions asked by community members. Read on to see the answers provided by the ThriftyFun community.
I was wondering if anybody can me with some advice. If you have bad credit or no credit where can you order from and not have to pay anything until the order is received? How can I receive a credit card, because I have been turned down quite a bit? I would like a credit card that at least would give you about $250.00 or more on your credit line.
By jessica from Montgomery, AL
Never, never use a bank debit card to make a purchase over the internet. It is much safer to use a credit card.
Go to Google and search out a Capitol One Credit Card.
What you are looking for is a "secured credit card". Google for more info. Are you talking about ordering online? I don't know of any place that will send you an order without payment first. If you order from QVC or HSN on TV you can order without a credit card but you must mail in a check or money order before they ship the order.
You can try capitol one. I had a secured visa years ago. You send them like $300.00, They put it in a savings account & give you $300.00 available credit. You can add more to the savings if you need more credit. After a couple of years of using it regularly & keep your nose clean. You can ask for your money back & just use the credit. I did this about 15 years ago & after a few years, got my money back & helped my then boyfriend fix his credit, & we now have a credit score of over 800. It can be done, but you have to never make a mistake again.
Paying before the due date is one of the most important things, also always paying more than what is due. It shows responsibility. These days we can pick & choose who we have cards with & get very low finance rates. Here's a hint; if, for some reason you do slip & forget to pay in time for them to get it, call them immediately to explain. It makes a difference.
If you want a card to make online purchases consider a pre-paid credit card, which you buy by paying a st amt of $ for it like $100-$200 and it functions like a debit card but is not linked to a bank acct.
If you have very poor credit, I would stay away from Capital One Credit. My son had them once and happened to be late. The added on late fees caused him to go over his limit. They charged $39 for being late, $39 for going over the limit and $39 for interest. Though his balance was only about $1500, paying $100 a month was only paying fees and not even getting to the principal. We tried to pay it off and they would not give us a payoff amount. We went to a bank to wire them money and they would not even give the bank a payoff amount. We had to figure what might be an overpayment to get his card paid off.
Bank debit cards that look and act like a Visa et are tied to you checking account, these are a bad idea! If lost or stolen, your account can be wiped out! There is no protection with these cards, unlike a regular credit card for which you are only liable for the first $50. A pre paid card is your best bet.
I have used a debit card to shop online, but it was never my #1 debit card. I use my #2 Debit card to shop online. No problems so far.
