Depends on how deliquent your accounts are. If they are only a little past due you can try catching up the payments. If you are seriously past due call the original creditor and make payment arrangements to catch up on the debts. Sometimes creditors will add on so much a month until you are caught up. Let us in more detail your situation.
The good news is you are young and you will recover from this nightmare. I commend you for coming here and trying to get it all straightened out. I will wait to see what your reply is to fireyone's response to comment any further. You will want to get this cleared up, ignoring it will follow you for a long time to come.
I look forward to hearing from you in the days to come.
Hi justluv
Since you are just 19, you have enough time to rebuild your credit score. All you can do is to ask your creditors to arrange for a repayment plan which will enable you to pay back the debt. Try to repay back the debt because the bad debt gets listed in your credit report, it will stay there for seven years and lower your credit score.
Good Natured that was exactly what I was wondedring. I was thiking that it was being on a credit card with someone as a user of that account. I don't know if that is correct in assuming or whether it is just no credit at all. Hopefully someone will tell us.
Hi Goodnatured
Ghost credit means having no credit history at all. This happens when you do not have any line of credit, nor even you have a credit card with you and you make all payments by cash. If you do not have any credit history, it is very difficult to get a new loan. This is the main reason why most parents make their children the authorized user of their credit cards, so that they can build up a credit history for their children.
Hi Goodnatured
Ghost credit means having no credit history at all. This happens when you do not have any line of credit, nor even you have a credit card with you and you make all payments by cash. If you do not have any credit history, it is very difficult to get a new loan. This is the main reason why most parents make their children the authorized user of their credit cards, so that they can build up a credit history for their children.
ANgelo, that's not ghost credit. Your credit is your loan and your credit card, and if you are current on both, you have a small amount of GOOD credit. If you're young and these are your first "loans", then you are a "credit beginner". As you build a history of good payment habits and such, your credit will get stronger.
But I prefer to be a credit ghost. I pay for things with cash or debit card only. Even my cars are cash cars. I bought a cheapo hoopty to start with and saved my money until I could trade in the old hack and add cash to buy a new (as in, different) car without a loan. Then I kept doing that and eventually got the car I have now. It's a sweet ride, only a year old when I bought it. Imagine the looks on the salespeople's faces when I handed them the keys to my old car and then whipped out my DEBIT card to cover the rest-- I bought a $25,000 car outright! Priceless!! I just love doing that to people...
That sounds like 'a plan', SCHRO..if you can do that. However...some people can't. I do agree, whatever credit that you have now, keep paying on it. This will help you establish credit. Every time you apply for 'new' credit, your Credit score, goes down, a few points. Just apy on what you have, at this time. As you do that, your Credit score will go up.
I have ghost credit right now and wonder what my first step toward getting on the good credit track should be and how long it will take for me to get good credit ?
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but instead of providing offered number on this occasion, what i did and surprisingly, instead used to be take note of the best internet business handle. They can see get in touch, But just with email's. the actual to this article having don't forget when mostly you might not want to give out your cell phone number. What you must do is very much enter the kind of person (where to put it, facets, or anything else,.,and so) that you intend to after. in this case it simply reliant on providing it a very easy howdy and / or commencing dialogue. You can take things following that looking your feelings.
Depends on how deliquent your accounts are. If they are only a little past due you can try catching up the payments. If you are seriously past due call the original creditor and make payment arrangements to catch up on the debts. Sometimes creditors will add on so much a month until you are caught up. Let us in more detail your situation.
The good news is you are young and you will recover from this nightmare. I commend you for coming here and trying to get it all straightened out. I will wait to see what your reply is to fireyone's response to comment any further. You will want to get this cleared up, ignoring it will follow you for a long time to come.
I look forward to hearing from you in the days to come.
Yes we have all learned this from experience. Be sure to stop back and post any future questions and keep us updated. We will continue to assist you.
what is ghost credit?
Hi justluv
Since you are just 19, you have enough time to rebuild your credit score. All you can do is to ask your creditors to arrange for a repayment plan which will enable you to pay back the debt. Try to repay back the debt because the bad debt gets listed in your credit report, it will stay there for seven years and lower your credit score.
Good Natured that was exactly what I was wondedring. I was thiking that it was being on a credit card with someone as a user of that account. I don't know if that is correct in assuming or whether it is just no credit at all. Hopefully someone will tell us.
Hi Goodnatured
Ghost credit means having no credit history at all. This happens when you do not have any line of credit, nor even you have a credit card with you and you make all payments by cash. If you do not have any credit history, it is very difficult to get a new loan. This is the main reason why most parents make their children the authorized user of their credit cards, so that they can build up a credit history for their children.
Hi Goodnatured
Ghost credit means having no credit history at all. This happens when you do not have any line of credit, nor even you have a credit card with you and you make all payments by cash. If you do not have any credit history, it is very difficult to get a new loan. This is the main reason why most parents make their children the authorized user of their credit cards, so that they can build up a credit history for their children.
ghost credit
I have ghost credit right now and don't know what to do, I have a car loan under my name, a credit card and cellphone bill. What should I do?
ANgelo, that's not ghost credit. Your credit is your loan and your credit card, and if you are current on both, you have a small amount of GOOD credit. If you're young and these are your first "loans", then you are a "credit beginner". As you build a history of good payment habits and such, your credit will get stronger.
But I prefer to be a credit ghost. I pay for things with cash or debit card only. Even my cars are cash cars. I bought a cheapo hoopty to start with and saved my money until I could trade in the old hack and add cash to buy a new (as in, different) car without a loan. Then I kept doing that and eventually got the car I have now. It's a sweet ride, only a year old when I bought it. Imagine the looks on the salespeople's faces when I handed them the keys to my old car and then whipped out my DEBIT card to cover the rest-- I bought a $25,000 car outright! Priceless!! I just love doing that to people...
credit
That sounds like 'a plan', SCHRO..if you can do that. However...some people can't. I do agree, whatever credit that you have now, keep paying on it. This will help you establish credit. Every time you apply for 'new' credit, your Credit score, goes down, a few points. Just apy on what you have, at this time. As you do that, your Credit score will go up.
ghost credit
I have ghost credit right now and wonder what my first step toward getting on the good credit track should be and how long it will take for me to get good credit ?
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exit a opinion
the methods your corporation headed for a learn in this article based on british most women may not be actual around the fullest concept of the idea of. though, jointly aid you in preparing meet thai wives successfully so much should you play personal plastic cards true. suppliers, post show you how to perform this constructed you witout a doubt surviving in Thailand, nicely kicking back in your own country.
past anyone rush out involved with it to consider that these techniques will work. in due course on the other hand, those actions partnerships you end up holding will conclude your special style and style. above all, stick to leave which often a portion your job. indeed, shall we?
all the first hit rather definitive functions best from the event you witout a doubt operating or keep in mind that Thailand, but it so which it must be had to talk about. the house simple and easy perhaps, and it works in this way make a tendency in make sure to reveal your online business debit card (list note) for virtually indian women that you can run into. This means communicate potential british most women quite pleasantly, polite also hospitable road.
some sort of second system is something you probably get to experiment with often if you reside in Thailand. waiting in a local indian postal office shooting, continuing to keep a number of the passport shots able send foreign, a couple in the area indian kids invested in a peek at the little video / photo, edged over and required one. fun i thought overall. normally these types of had the actual contact along with code on the back of the pictureprofessional to boot.
but instead of providing offered number on this occasion, what i did and surprisingly, instead used to be take note of the best internet business handle. They can see get in touch, But just with email's. the actual to this article having don't forget when mostly you might not want to give out your cell phone number. What you must do is very much enter the kind of person (where to put it, facets, or anything else,.,and so) that you intend to after. in this case it simply reliant on providing it a very easy howdy and / or commencing dialogue. You can take things following that looking your feelings.