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I have really bad credit from mishaps that have happened years ago, what if any credit card would I be able to get accepted for?

There are lots of companies that offer credit cards to non standard borrowers. Be aware they will charge you a higher interest rate that another borrower with good credit. That is why you should seek to have good credit. If you have bad credit and get a card borrow a little and pay it off promplty. Do not leave a balance due each month or at least have a small balance. Keep the account open for two years. This will improve your credit rating. More cards will not help your rating. Good luck.

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My boyfriend and I want to get a place together. He has bad credit and I have basically no credit. How can we get an apartment? Is it possible? Any advice would be appreciated! Thanks!

I have found craisglist to be a great resource for finding apartments.

It is easiest to rent an apartment when you have credit issues directly from a single owner. Seldom does an owner who is looking for a tenancy at will agreement on a month to month basis do a credit check.

Be open with the owner and they will probably work with you whether they require a larger deposit. Offering to pay last month's rent up front will give you some leverage with an owner. I've encountered owners who are willing to work out a payment plan on the extra deposit money or last month's rent. Paying the last month is beneficial to both the owner and you. If there are problems, the owner has your last month's rent and therefore less concern over being cheated out of rent. And for you, although it is a big amount of money to come up with, when you leave the apartment, you have the advantage of having already paid your last month's rent which can be really helpful when trying to come up with deposits for your next apartment or home.

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Hostile aliens and claustrophobia rule the day in Dead Space, a survival horror game in the vein of the classic film Alien. Dead Space takes place in the distant future when Earth’s lust for raw materials has extended deep into the galaxy, and giant ships roam the cosmos mining planets for resources. Gamers climb into the spacesuit of systems engineer Isaac Clarke, sent with a team of investigators to the massive USG Ishimura to determine why communications have gone dead. Once aboard, Clarke discovers that the more than 1,000 crewmembers, including his love interest Nicole, all seem to be missing, dead, or transformed into hideous alien mutants. To make matters worse, Clarke’s transport ship is destroyed, his fellow investigators are slaughtered, and he is forced to scramble through the Ishimura’s labyrinthine corridors weaponless and alone. The game’s action takes place from a third-person perspective, and the narrative is revealed in classic survival horror fashion through messages scrawled in blood, the dying utterances of mortally wounded crewmembers, and any discarded logs or journals players may stumble upon. Gamers can loot corpses for credits which can then be used in the ship’s many automated vending machines to purchase weapons, upgrade Clarke’s space suit, and gain access to restricted areas. Much of the ship’s interior has been damaged and thus lacks oxygen or gravity, creating a number of environmental puzzles, and making choices regarding upgrades exceedingly important — powerful weapons offer little solace to a player devoid of oxygen. However, choosing the correct weaponry is also crucial, because the creatures that dwell within the Ishimura are terrifyingly powerful, and unlike most games, the action in Dead Space doesn’t pause while players check their journal, change weapons, or reload. ~ Christopher Brown, All Game Guide Universal

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I am going to be taking the Basic Law Enforcement Training program this year. I should be done in December, so hopefully I'll be finding a job around early January.

Anyway, I currently have bad credit. 545 score to be exact. I have heard it's very difficult to become an officer with bad credit so I am seriously considering filing bankruptcy. I have heard it takes around 6 months and your credit will be as good as new and thus, hopefully I would be able to get a job as a police officer.

So, does anyone know if this is the best way to go about it?

Thank you for any information.

It won't 100% bar you from becoming a officer, but hiring agencies look at that kind of thing from the perspective of, perhaps someone can bribe him, etc…

When your in the hiring process, they may ask you about it, just be up front and honest. Telling the truth will go a long way in making you look like a decent person if they are worried about it.

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I'm engaged and we have been putting off the wedding because I don't want my bad credit to affect my fiance. Is this true? HELP!!!!
Thank you everyone.

Only if you try to get a loan with both of you on it; like if you get a loan for a house then your bad credit will affect things. Many people think once you get married you take on your spouse's credit, and that's not true. My husband worked for Experion for many years when we lived in TX, so I get my info right from him. His credit is his and your is yours. Now you can get married, Congrats!!!!!

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Get your information across whether your dealership is open or not with our "No Credit-Bad Credit-No Problem" Fluorescent Rear View Mirror Tags. Rear View Mirror Tags are made of a fluorescent red stock paper. Mirror tags easily attach to any rear view mirror and can be removed quickly for test drives. Hanging mirror tags are sold 50 per pack. Each "No Credit-Bad Credit-No Problem" Fluorescent Rear View Mirror Tag is 9"W x 12"H.

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Greeting all, I was told by someone that after afew years of having bad credit card, it will be removed from credit report. Is this true? If yes, how long?

Thanks

It will be removed seven years from the date that it occurred. If you check your credit report then it will tell you the month and year that it will be removed. Oh, by the way, you are in titled to one free credit report from each credit agency every year. Here is the link below to do this. Also, it is a good idea to monitor your credit reports. If you find anything suspicious report it immediately.

http://www.ftc.gov/bcp/conline/pubs/credit/freereports.htm

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I've heard bad stuff goes off your credit report after 7 years, so can you wait it out and have decent credit again after 7 years? Anyone know how that works or what to do to fix it?

DaMan's answer is absolutely correct.

The only thing I could add is to dispute all of the negative items on your credit history. The Credit Reporting Agency is required to investigate all disputes. If the creditor fails to respond to a dispute investigation the item is deleted automatically. Other then that, it stays on your history.

But by doing the other things that DaMan mentions, your credit will start showing improvements fairly soon. Not great, but it will help.

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I have written letters, sent in documentation over and over again and have not been able to get items removed from my credit file. Many things are not mine, information is plain wrong even my birthday and still I cannot get them changed or removed. I pay my bills on time but due to all this bad stuff… for years and years… I cannot get a good credit score or even get credit. Some of the big things are an IRS report of a paid lien dating back to 1989 under my ex-husband's ss#. Another are medical bills owed by my ex. And also a foreclosure and I have not ever had a foreclosure! I did get a bankrupcy removed by being in a class action law suit. I have never filed for bankrupcy. Help Please. This is so unfair!

if all these bills and things are from when you were married , then you both were responsible for them
your name as well as your husbands would be on the credit records

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