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  #1 ()
songfeng400 : i have 2 feet of hair and i am running out of cute ways to do my hair every day in tha hood lol i usually look pretty dang good in a top, tight jeans and sneakers with a cute hairstyle to match, my outfit is a black halter top cuuuttee shirt with dark torn jeans and all black globes(i told you i live in tha hood lol) ah hello kitty diamond chain and big azz hoop earings lol

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  #2 ()
Prurbadeora : Look up on YouTube cute hairstyles for long hair hope this helped
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more..
  #3 ()
Abinicambicus : Your weave must be long LOL do a part down in the middle n curl it with a curling wand
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  #4 ()
kukusyomok : i got the card a year ago and it is activated. a site is free to join but needs a card to sign up and charges the card $0.0. ive never put money on the myvanilla card. am i crazy or can a card of zero balance make a payment of zero dollars. im trying to use this card instead of my bank card cuz who knows what this site will do to your card. but i still want to get the myvanilla card to work so help would be appreciated
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  #5 ()
uphoxottose : Call the credit card company and tell them what you are trying to do. They will answer you.
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  #6 ()
qpeilamfyn : Do i need to get a credit card? How would i go about that?

Ive been trying to buy a car but i cant without credit...Please help!
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  #7 ()
Rebellian : to buy a car you need a job, down payment, and enough salary. plenty of people have bought a car without credit. do you even have a down payment? you could offer 50% down and drive away in a car.
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  #8 ()
jellettmictez : I'm only 20 and was in the same situation and now my credit is reallt good. You'll need a credit card which is free to sign up for. The only thing is you need to be approved for one so you may need a parent cosign. Than just use it frequently and pay it off as soon as you can. If you can't pay the payment all at once pay more than the mininmun payment each month. (Thats what I did)

so instead of $30 a month For a $200 payment, i put in $130.
This will build credit.
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  #9 ()
gerceWedy : This should help you to understand how credit scores work..

FICO scores from 300 to 850 and Vantage Plus scores from 501 to 990.

Here is the breakdown for both systems.

Vantage Plus system scores from 501-990.
A-901-990
B-801-900
C-701-800
D-601-700
F-501-600

FICO system scores from 300-850.
Elite-740-& up
Prime-700-739
Preferred-660-699
Standard-625-659
Sub-prime-624-& under

FICO is the only one that matters since it's the one that all major lenders look at.

So as you can see it depends on if your looking at a true FICO score or a Vantage plus score.

As far as what makes up credit scores it's the following;
1. Payment history (longer the better) 35%
2. Time in bureau (longer the better) 15%
3. Types of credit (mix of credit cards & installment loans) 10%
4. New credit (new accounts and inquiries) 10%
5. Debt to credit ratio (lower the better) 30%

Things that don't effect your score.
1. How much you make or how long you have been on your job.
2. Where you live or how long you have been there.
3. Any account not considered real credit like cell phones, rent, utilities, cable, insurance or gym memberships.
4. If your a registered voter or not.
5. Having a checking or savings account.
6. How wealthy you are.

So as you can see credit is based on opening and paying accounts. So without that you would have no score at all.

The credit bureaus use different scoring systems, Equifax scores from 250 to 843, Experian from 253 to 893. Transunion from 250 to 877.

There are also 3 different types of scores. The standard that you see, the auto enhanced that only auto dealers and lenders see and the factual which only mortgage companies and lenders see.

So each person can have 12-15 different scores none of which will match. Great system huh. Add to this the fact that all lenders do not even report to all 3 credit bureaus and some don't report at all and you begin to see the problem with our current system.

As far as a real score goes, go to myfico.com it will cost $20.00 but you will get a real FICO score. You might also go to annualcreditreport.com and print out all 3 of your reports for free, no reason to pay a credit monitoring service.

Good luck.
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  #10 ()
intonearrigue : Maybe they can - for instance if they look at the security video when they used the card and can identify them.

But usually banks and shops don't bother unless they realize it's always the same person doing it - if they calculate that trying to track down one thief costs them more time and money than the amount stolen and refunded to you, then they won't bother trying to catch them.
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