Hello and thank you in advance for any help
Are there any secured cards that offer a account in both husband and wife's name?
We will be getting two secured cards in feb. around $250 each card ( all we can do at this time, maybe more in a year) with that low amount will it help our credit?
We filed bk7 almost 3 years ago. we are finally now able to try to rebuild some. However we do have medical( lots) sense bk7. We will be paying $50.00 a month to this *same collection agency has them all* they are reported on credit.
We also have one phone bill which will be paid off in full next month. We are going to ask them to delete off account when we pay. We will get it in writting if they agree. If not we will still pay in full.
Our credit scores are around 530-550.
Some of things on our credit that was filed in bk7 are not showing as in bk7. I believe a few should be falling off soon for 7 yr mark. I have a question about 7 year mark. Can they update as still not paid again right around the 7 yr mark and give them self 7 more years? Also what do we need to do about the items not reporting as bk7?
That is all that we have sense bk7 however the medical is a doozy.
We would like to get a home in about a year.
I guess my main concern is this. Getting secured cards that report as not secured ( to all 3 ) IS 2 $250 cards enough to raise credit? they will be paid in full except 10-20 on each card ,each month. We can not go use Captial 1 or Bank 1.(bk7 ) We would like a card that does not cost a lot to start up. Who should we go to for a secured card?
We heard that medical on credit will not stop us from getting a house. Is this true? Again we will be sending $50.00 a month to the collection agency ( they have not said they will accept this but , But it is what we will be sending them) I understand that the medical may stay on credit even after we pay it.
Some of the medical bills are small , Under $50.00 . We will be writting the account number for that bill and paying it in full and then go to next and so on.
I am sorry I guess I am rambling.
Right now credit looks pretty bad. Seeing we have filed bk7 and have more medical on creidt after. were working on this and hope to improve credit soon
One more question. The collection agency for medical pulls our credit EVERY month. Is there anything we can do?
I also just remembered we have a $1500 dollar limit at crown jelwery. So i will make a SMALL buy from them next month and pay monthly.
if we was able to take husbands mom in to putting him as a user on her credit card( Us never getting a card and such but just being on account)
would this help? What if her limit is like $25,000. that would be a little much for our income ( almost 30k) would that hurt us?
Are there any secured cards that offer a account in both husband and wife's name?
We will be getting two secured cards in feb. around $250 each card ( all we can do at this time, maybe more in a year) with that low amount will it help our credit?
We filed bk7 almost 3 years ago. we are finally now able to try to rebuild some. However we do have medical( lots) sense bk7. We will be paying $50.00 a month to this *same collection agency has them all* they are reported on credit.
We also have one phone bill which will be paid off in full next month. We are going to ask them to delete off account when we pay. We will get it in writting if they agree. If not we will still pay in full.
Our credit scores are around 530-550.
Some of things on our credit that was filed in bk7 are not showing as in bk7. I believe a few should be falling off soon for 7 yr mark. I have a question about 7 year mark. Can they update as still not paid again right around the 7 yr mark and give them self 7 more years? Also what do we need to do about the items not reporting as bk7?
That is all that we have sense bk7 however the medical is a doozy.
We would like to get a home in about a year.
I guess my main concern is this. Getting secured cards that report as not secured ( to all 3 ) IS 2 $250 cards enough to raise credit? they will be paid in full except 10-20 on each card ,each month. We can not go use Captial 1 or Bank 1.(bk7 ) We would like a card that does not cost a lot to start up. Who should we go to for a secured card?
We heard that medical on credit will not stop us from getting a house. Is this true? Again we will be sending $50.00 a month to the collection agency ( they have not said they will accept this but , But it is what we will be sending them) I understand that the medical may stay on credit even after we pay it.
Some of the medical bills are small , Under $50.00 . We will be writting the account number for that bill and paying it in full and then go to next and so on.
I am sorry I guess I am rambling.
Right now credit looks pretty bad. Seeing we have filed bk7 and have more medical on creidt after. were working on this and hope to improve credit soon
One more question. The collection agency for medical pulls our credit EVERY month. Is there anything we can do?
I also just remembered we have a $1500 dollar limit at crown jelwery. So i will make a SMALL buy from them next month and pay monthly.
if we was able to take husbands mom in to putting him as a user on her credit card( Us never getting a card and such but just being on account)
would this help? What if her limit is like $25,000. that would be a little much for our income ( almost 30k) would that hurt us?
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