I am 20 years old I live in a house with my boyfriend it is in his name but I paid for this house also, I was just wondering if anyone had ways to get a credit card? I went to my bank and asked and they want me to put my own money on a card for like almost 2 years and keep paying it back. I do not have that much money to pay on the card and then pay back constantly. I work in fast food but I do keep my bills paid, was just wondering if theres any good cards out there to apply for like a 300$ credit limit I want to start building my credit. Also My dad filed bankruptcy a year ago and he is starting to re build his credit can he cosign for me still? its so difficult doing it by yourself because my mother has bad credit so I cant have her cosign anything so I’m kind of stuck. And yes I’ve applied and kohls, fingerhut all these small places and got denied. Please any advice would be great! It would help out alot! I dont want a credit card to be immature, I want it for emergencies such as my car breaking down or for gas or bills.

Technorati Tags: bad credit, bankruptcy, cards, credit card, dad, emergencies, fast food, fingerhut, kohls, much money

I am going to file chapter 7 bankruptcy and I have a joint credit card between myself and my son. What I would like to do is keep the credit card so I still have something for emergencies after I file bankruptcy. Do I have to list the joint account when filing bankruptcy? Because I would like to keep it open and keep making the payments as usual, and if I did list it could that effect my sons credit, even if he makes the payments, since he is joint on the account,?

Technorati Tags: chapter 7 bankruptcy, credit card, emergencies, filing bankruptcy

So I have bad credit my credit score is 458, I experienced with credit cards right when I turned 18 no one told me what kind of damage they could do I am paying the consequences now. I am 25 going on 26 and I am considering bankruptcy. I have sat down and reviewed my debts and I am thinking that I can probably pay some but they are old from when I was 18. The last think that hurt my credit the most was a car that I purchased and had to let go it was repossessed, and I am now being sued. I have been stressing out so much about all this I will outline what I owe below and I would like advise about what I should do file or try to pay things little by little. I live pay check to pay check am a single mother and only make 10.00 and I only work 30 hours to 35 a week because I have doc appoints for my son or he gets sick or I have to miss work because there was no school and I can not afford a sitter. So please give me some advise I am young but I have already ruined everything I know that
bankruptcy will stay on my credit for 10 years but honestly I don’t think anything else matters . This is what I owe
Credit card 2000 capital one
Credit card 1000 verizon
credit card 500 exxon
credit card 800 walmart
apt 2000
apt 2000
repo 5000
medical 5000
These are all rounded numbers and I don’t know if I can really afford to pay this I have to go to court concerning the car in may please help need advise
These are all cards that have been closed and are on my credit everything is on my credit. I don’t have a hs diploma or ged so it’s hard to find a better paying job. I have tried looking for a second job but no one can work with my hours I work 9-6 every day. My current bills are
rent 640
light 150
food 200 month
gas 40 week
and thats not including emergencies such as doctors co pays meds, and personal necesities
I do have family but they always back out on me I have learned that I have to do everything on my own and I can not count on anyone but myself. I have not tried debt consolidation because I thought that your debts had to be current and mine are not but I keep getting collection letter and calls I keep changing my number and it’s getting old because I dont know how these companies get my new number I don’t even have a regular cell it’s pre paid, and where I live now my mom got me the apt i’m just tired of all this

Technorati Tags: 10 years, bad credit, bankruptcy, capital one, capital one credit card, consequences, credit cards, credit score, debt consolidation, debts, doctors co, emergencies, exxon, exxon credit card, hs diploma, necesities, second job, single mother, verizon credit, walmart

I am going to file chapter 7 bankruptcy in Maryland and I have a joint credit card between myself and my son. What I would like to do is keep the credit card so I still have something for emergencies after I file bankruptcy. Do I have to list the joint account when filing bankruptcy? Because I would like to keep it open and keep making the payments as usual, and if I did list it could that effect my sons credit, even if he makes the payments, since he is joint on the account?

Technorati Tags: chapter 7 bankruptcy, credit card, emergencies, filing bankruptcy

I am going to file chapter 7 bankruptcy in Maryland and I have a joint credit card between myself and my son. What I would like to do is keep the credit card so I still have something for emergencies after I file bankruptcy. Do I have to list the joint account when filing bankruptcy? Because I would like to keep it open and keep making the payments as usual, and if I did list it could that effect my sons credit, even if he makes the payments, since he is joint on the account?

Technorati Tags: chapter 7 bankruptcy, credit card, emergencies, filing bankruptcy