Credit Scores & Credit Cards : How to Apply for a Credit Card With Bad Credit

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1. MrChevroMan said on July 10th at 11:43 am:

   I am an authorized …
   I am an authorized user on my wifes credit card that she added me to after having it several years, the creditor has been reporting on me ever since I was added.

2. Kassey232323 said on July 10th at 11:43 am:

   It’s not about that …
   It’s not about that, it’s about having good credit so you can maybe some day be issued a credit card or if you need a loan for a house. Not everyone has 50k laying around….

3. SenMuJie said on July 10th at 11:43 am:

   From my …
   From my understanding, yes. I had some derogatories and I expected them to be gone after paying them off, but then I found out about the 7 year rule. My derogs were from 1999-2001. They’re all gone now. It’s like they never existed. I marked the days on the calender to know when they were supposed to go away, the following month I checked my credit report, if it was still there I contacted the company to tell them to take it off. I also celebrated the day the dreogs were taken off. =)

4. dza420 said on July 10th at 11:43 am:

   So You can get …
   So You can get terrible credit and then in 7 years its back to neutral?

5. SenMuJie said on July 10th at 11:43 am:

   Have you tried …
   Have you tried contacting the company to try and get the derogatory taken off? If they can’t or won’t do it then you have to wait 7years or so from the time it was reported as a derogatory before it will be removed. The credit game sucks.

6. bicepsca said on July 10th at 11:43 am:

   thanks for the info …
   thanks for the info, i am from montreal do you know or have any contacts for credit in montreal?

7. tubethisorthat said on July 10th at 11:43 am:

   i work for a major …
   i work for a major canadian bank in the credit deptartment, and haved worked in other financial institution before all in credit, first of all auth user are never reported to the credit bureau, there legal contract that binds them to the card says clearly that only the primary is liabal and he only will be reported to the credit bureau, co-ap theory is valid if you are the primary and someone is co signing to become co-ap with good credit to support your application, secured crdit is the best

8. SloppyGamer said on July 10th at 11:43 am:

   Wow you are very …
   Wow you are very informative rapmasterjim. I never thought about it that way thanks!

9. dza420 said on July 10th at 11:43 am:

   I owed on a credit …
   I owed on a credit card once and got bad credit. $500 debt they sent it to a collection agency and the agency sent me a settlement offer for $312. I payed it but my credit is still negative….

10. lilray0708 said on July 10th at 11:43 am:

    Guess what, there …
    Guess what, there is no luck to doing that, it’s called having the money,if you can afford it, then do it, don’t try to live beyond your means, I know several people that bought their houses cash. That’s more than $150000!

11. rapmasterjim said on July 10th at 11:43 am:

    Guess what? If you …
    Guess what? If you can’t afford a $25,000 car… you don’t get a $25,000 car. You can find a perfectly fine car for $2000. Don’t fall into the trap of thinking you are a better person if you drive an expensive car. Just get what you can afford. Save up and buy when you have the money. How hard is that?

12. SweetKiwi110 said on July 10th at 11:43 am:

    Ah ha, TRUST is the …
    Ah ha, TRUST is the operative word!

13. Lite62 said on July 10th at 11:43 am:

    Another quick way …
    Another quick way is to look for places that finance their own accounts and report to the credit bureau. These are usually small businesses like furniture stores, jewelry or appliance places. The interest rates are a little higher but they usually use installment contracts and that boosts your beacon score quickly with minimum investment.

14. omgxsupermaniscool said on July 10th at 11:43 am:

    please don’t read …
    please don’t read this if you do you will die in 7 days in less you repost this on 10 different videos in an hour if you do tomorrow will be the best day of your life

15. bodyvegas said on July 10th at 11:43 am:

    Yeah, good luck …
    Yeah, good luck paying cash for a $25,000 car!!

16. medusaview said on July 10th at 11:43 am:

    How about using …
    How about using cash and let them alone with plastic-shit!

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