I spent some time in jail and my credit card expired. Currently I have no checking account or active credit card. How do I get a credit report? All the sites I have seen require a valid active credit card.
Its very difficult obtaining a good fair credit card with high amounts on them. I currently only have a 300 limit. Will a secure credit card help to increase the credit score? Any advice. I’m also not sure if I should pay off the credit cards that expire within the next couple of years from the credit report.
I have recently checked my credit report and I realized I had several credit card accounts which were unused for several years running with a zero balance for some time.
I would like to close them to resolve my accounts and improve my overall credit.
I have to admit that some of the credit companies are quite odd (not cititbank or MBNA) but smaller credit houses from obscure stores I once purchased something to earn the 10% off etc.
How do I go about contacting the credit card companies to close these empty accounts?
How can I get my credit build up if no one will give me a credit card to begin with? I have never had a credit card, I bought a home and I have been paying mortgage on time. Will that help my credit? I do have doctor bills on my credit report, any ideas as to how I can get rid of them without costing me a arm and leg.
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