Is it true that your credit card debt can be wiped off your file, even if i owe a debt wil my file be clean? »

Tramadol asked: I mean i heard after 6 years ur debt is wiped out, does that mean i can take another card or mortage or something? even if the debt is still there? i mean even if i owe the outstanding debt will my credit rating be clean again after 6 years? & does that [...]

How much should i charge on my secured credit card to get the best credit rating? »

HKR4444 asked: How much should i charge on my secured credit card to get the best credit rating?
I can charge up to $500 on my secured credit card and want to know how much should I charge on my secured credit card to get the best credit rating. I need to build credit because [...]

Does it negatively impact my credit rating if I apply two credit card in a month? How long should I wait? »

High UA Flyer asked: I just applied and was approved a credit card, I am about to apply another one, how long should I wait?http://1mortgagecalculator.info

What is the best way to cancel a credit card? »

insharc asked: My credit rating is good, not bad. But I’ve heard that having too many cards can damage it. I know that calling is a bad way to cancell, plus they try to talk you out of it.
What is the BEST way to cancel, so the credit reporting agencies know that you canned the [...]

What credit card can I apply for that does not check credit? »

sayyeahh asked: I am attempting to build a positve credit rating and I need a card that reports to the credit bureau, but will allow me to obtain it without a credit check. HELP?http://1mortgagecalculator.info

My credit card company changed its terms and is asking of I accept the new terms? »

Eddie Cacciatore, Private Eye asked: This term change is after several years, and it was a reputable credit card company.
If I don’t agree to the new (worse) terms, they will cancel my card, and I’ll have to pay the remaining balance. Would this hurt my credit rating if I don’t accept the new terms, let [...]

What problems are involved with using these “Credit Card Debt Reduction Services”? »

Les R asked: I see a lot of advertisement from companies that claim they can reduce your credit card debt by 40% to 60%. What is the down side to using them? If they are successfull does it effect your credit rating? What do they charge? What must your situation be [...]