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I have an American Express card with no limit, but I have to pay off each purchase monthly. Does this help boost my credit score?
monica9876 2 years ago
Do you recommend credit repair companies? And if so do you have some referals?
monica9876 2 years ago
Before you consider a credit repair company, verify how old the debts are and check your state's statutes for how long they have to collect the debt. They only have a short period of time to collect from "Date of last activity"(This is activity initiated by you) such as acknowledging the debt, agreeing to a payment plan or making a payment. I was unfortunate and found this information to late. After i filed for Bankruptcy.
In the state of Nebraska they only have 4 yrs on MOST debts and 5 yrs on open accounts such as credit cards. They DO NOT have 7 years! That is the amount of time from "Date of last activity" a Credit reporting agency can show it on your credit report.
rodneyy69 1 year ago
The best credit card depends on the person's credit and how they use it. If you have poor credit get a card with annual fees. If you have good credit, get a rewards card if you pay in full each month. Get a card with a low rate if you carry a balance.
hardeight 1 year ago
This is a very common question and there is no one answer for all. With hundreds of different credit cards, it can be difficult to pinpoint the right credit card for you without knowing how you plan to use the card. Whether or not you need to carry a balance, your transaction activities, and your credit score all play important parts in choosing the right card.
If you carry a balance every month, as opposed to paying your balance off each month, then interest rate will likely be more important to you. If you have poor credit, then the best credit card for you will be very different from the best card for someone with excellent credit.
For those reasons, CK has attempted to provide a summary of preferred credit cards based on credit score, rates, features, and member feedback.The credit card reviews are updated once per month based on changes. It is extremely important for consumers to use the right credit card since it could save you thousands of dollars in fees, interest, and benefits.
dina12 1 year ago
This is a new response on the updated question.
chuyskywalke 1 year ago