Credit limit issue (Canada)? related questions

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Credit limit issue (Canada)?0Person2012-09-20 07:24:02
My husband and I are planning to buy our first home in the coming months . We have a good credit history (2 my student loans paid in full shortly after graduation , pay all the bills and cards on time and in full, no car payments ) and have no debt from month to month. MedlinePlus MedlinePlus When I was doing the affordability mortgage calculators , credit limits seem to be the big problem . I have a student line of credit and a credit card ( total limits : 20k ) and has 2 credit cards ( total 11k limit) . I'm thinking of getting rid of my credit card and his second and lower limits on the main letters 5k each. Is this advisable or if this bad image of our credit score ? MedlinePlus MedlinePlus Thank you !
i have a debt of about $ 500 for a credit card capital was so high with late fees and a car loan I have and took the car back after realizing it was a lemon. its "on my credit score, of course, and my credit score is 500.VERY POOR. The condition of both accounts are derrogatory and my only option is to pay them, and it was closed. which is bad . I'm in the 2 desperate need financing for a car . I am only 20 , but I need something '4 scul and work and my baby. Also, my contract is almost finished and I will not have a licensed 2 of that credit . How I can get money to pay this off ? How do I pay? If I bother ? is their another way to raise my credit?
Credit issue--please help?0Soraya2012-08-29 22:21:13
The lease is in March 2011 . Three years ago , we have given credit cards and I have a credit score of 550 and my husband has a score of around 620. Since then we have paid a car , paid off two credit cards exist , have always paid in the three student loans , and we have the perfect rental history for six years . The current rent is $ 900. The two have worked for the state of Texas for 6 years and our gross profit is approximately 6300. I wondered what "opportunities " that could rent a house ? I thank you for your time .
Can you please help me with a credit issue?2Ruan van Rooyen2012-10-22 11:01:01
I have 22 years and I just got my first credit card three months ago , I have been paying in full each month and will continue , also just received a bank loan for a car , who co -signed with my mom . How I can get my credit score up fast? As of now I have enough credit to qualify for anything as I just started . Your advice would apprecitated !
Need to get a new car but credit may be an issue, need some advise.?0sereena2012-10-11 22:09:29
I want to get a car that is approx . $ 19k . I had some accounts but are paid deliguant all, the credit report says now 0 deliquiant accounts . He worked at my job for seven years , never had a car loan , I have a new mortgage for four months and two credit cards and two student loans all obligations. My Beacon score is a 591 ( medium risk ) . Not sure if I should even apply for an auto loan . ? I can be approved? If so , what would be watching in April ?
If I Open up a Secured Credit Card with a $5000 credit limit, will that increase my Credit Score?1culittinpiky 2012-08-14 07:49:03
I'm trying to increase my credit score, Experian: 670 to 651 TransUnion - Equifax 650 ..... As you can see I'm trying to get into the 700 Club, so I can make my own eligible for a better loan to refinance a house and my car
Why did my credit limit go down by $10k?0rodrigo2012-11-05 06:35:32
NOT a troll. & don't talk garbage about how I don't have money it just means you wish you had mine which is a compliment. Thank you! ANYWAY, ya my limit went down here are the details. There's over a million in cash, 200k a yr in income, & amongst other assets. Never took a loan in my life. Paid cash for the house, cars, etc. My credit score is still only 781. I have a couple credit cards for the rewards not for the loan & always pay in full every month. 1) My first card lowered my limit by 10,000 from 25k to 15k. I called and they said let's see if we can approve you & I agbused them. What do YOU mean approve ME? They offered me more I said keep it. 2) I love my 2nd card. $35k credit line & I can go over if need be (although I NEVER spend like that). Concierge service, cash back, hotel upgrades at the Ritz (I've never actually stayed at the ritz buts it's still cool)
How much of a credit limit should i ask for?1keanna2012-08-18 06:27:02
so I want to get a credit card. im 24, have a job , graduated from the university, there are no loans to pay or the car payment or debt. 27k gross annual income but in an application for a car loan of asking how much of a credit limit that I want. what do u think I could get and what should I ask? i dont want to talk too n then not get that card Visa card from a small local bank
Credit limit $500, need $100 what do I do?0mali2012-11-06 01:18:46
Ok, so I have a credit limit of $500, and my dog was sick she had to go to the vet and have emergency surgery so that was EXPENSIVE, so I have $187.00 left on my credit limit, sadly I need 275.00 to pay my tuition for college because Chase Student Loans wants to take their sweet time. I will be able to pay the balance off this Friday. Will I be able to go that $100 over. I have a BB&T Student Platinum Credit Card (Visa). If I dont pay my tuition I dont get to start school....PLEASE HELP!!!
Credit issue with cosigning a loan?1severina2012-09-19 03:35:03
My husband also signed by a personal loan from your child for a car . What if you decide not to make the payments ? Does the credit guarantors screwed so bad if not paid ? Is there any way to be taken as an endorsement and let his son take the fall for the car or is there something we can do . We were trying to help him out and I feel like we're being screwed now because he has decided he does not want the car and therefore will not pay the loan . What would you do in this situation ?
Credit report issue (no employer)?0br0Ok32012-10-13 02:11:01
I'm trying to get a loan of 25 000 to buy a new car, I have good credit but I 721 denied by several companies. I own a small LLC company that does good and I'm doing more than enough to repay the loan. I never had a late payment on anything and always pay above . MedlinePlus MedlinePlus Anyway I was looking at my credit report and noticed that under employer says college student . I assume that this is why I am denied , I 'm going to college , but I am also self employed and make about 4 - 6k (10 % of company revenue is what they are paid ) . MedlinePlus MedlinePlus My question is how I can get this to appear on my credit report ? I think this would make a difference in me getting the loan .
Would increasing the credit limit of my secure credit card help improve my credit score?0Wyatt2012-11-03 14:48:03
I have a secured credit card , which I hardly ever use and when they use it , I have to pay the balance within a week . I just got the credit card in January but has already had a positive effect on my credit that I can check monthly. The current credit limit is $ 500 and I'm wondering if I should increase to $ 1,000 . Would that help my credit score as I understand as to buy a house . I am a first time buyer and I want to work on my score , while I save for a down payment . MedlinePlus MedlinePlus The other things on my credit file is a bill book for $ 87, a $ 570 phone bill , 3 and student loans totaling about $ 4000. I am current on my student loans now , but it was in the beginning of last year in one of them . I sent a dispute over the bill book yesterday , because I have no idea where it came . I am disputing the account balance phone . Once I have that correct , I have the intention to make a payment for disposal . MedlinePlus MedlinePlus Thanks in advance for your help! ! ! :)

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