I need to come up with $5,000 without impacting my credit score?
81203
This may sound obvious, but the best way to come up with such amount is by borrowing from your family.  If you have some time, sell your stuff at ebay.com
224192
5 steps to better credit\n\nCorrect blatant mistakes. Your credit score is only as good as what shows up in your credit report. Review your reports from all three credit bureaus for accuracy once a year as well as several months before applying for a loan. Changing a mistake on your report - such as a payment that is wrongly labeled as late -- can take 30 days to three months, sometimes longer.\n\nPay your bills on time. This is always a good practice, and it's especially critical that you make prompt payments close to the time you need a loan. That's because a late or missed payment in the last few months is likely to lower your score much more than an isolated late payment five years ago.\n\nReduce your credit card balances. A heavily weighted factor in your FICO score is how much money you owe on your credit cards relative to your total credit limit. Generally, it's good to keep your balances at or below 25 percent of your credit card limit, said Jeanne Kelly, founder of The Kelly Group in Brookfield, Conn., which helps clients improve their credit scores.\n\n\n--------------------------------------------------------------------------------\nTry CNN/Money's new Debt Reduction Planner for help wiping out credit-card balances.\n\n\n--------------------------------------------------------------------------------\n\n\nPay off debt rather than moving it around. Since the ratio of your credit card balance to your credit limit is key, closing out an account and transferring the balance simply means you increase that ratio, which is likely to lower your score. In other words, say you owe a total of $2,000 on four credit cards, each of which has a $2,000 limit. Your total credit limit is $8,000, of which your total balance ($2,000) accounts for 25 percent. If you transfer all your balances to two cards and cancel the other two, your total credit limit is reduced to $4,000, and your $2,000 balance now accounts for 50 percent of that limit.\n\n    \n \n\nDon't close unused credit card accounts near loan time. If you have several credit card accounts but are only using a few of them, you'll only raise your balance-to-limit ratio if you close the unused ones. You also shouldn't open new accounts when applying for a loan if possible. If you have a short credit history or very few accounts, opening a new credit line may lower your score since you don't have a proven track record, said Jan Davis, an executive vice president at TransUnion. What's more, a new account will lower the average age of your accounts, another factor in your FICO score.
133397
Try the bank where you have a checking account they will probably give you a credit card. You have to start out  small with like a 200 or 500 dollar limit.
303673
I bought a car 8 months ago.  I am paying OUTRAGEOUS interest.  I had to put a HUGE down payment on it. BUT my credit score has gone up 150 points in that short time because I am ahead in my payments and have never missed one.  So the moral is.  You have to open a credit line in which you will pay to much interest and then make the payments on time to prove credit worthiness and then you will get better credit.  I got a credit card two months ago and I have not missed a payment on that wither.
174980
Depends on how you paid.  I use a credit card for as much as possible and use an online bank for everything else.  Relatively easy to total specific payments.
92232
There's no logical or legal reason to need credit instantly.  It sounds like you're in trouble.  Better to solve your problem than compound it.
1146066
I must disagree with our Chase expert.  Doesn't anyone bother to visit http://www.myfico.com and actually STUDY their answers first?\n\nWhen you lower your credit limit, you will effect your debt/credit ratio.  That in turn lowers your credit score.\n\nHowever, in your case, you don't have that great of a limit to begin with.  The small drop will recover in a few months.\n\nYou will do much greater damage by canceling cards.  But I understand your concerns.  The temptation of running up your cards is hard to fight.  I've seen many time how people get balance transfers or consolidation loans to pay off their cards, then run them right back up again.\n\nIf the card with $5000 is fairly recent, I would consider canceling it.  Having 3 cards is good enough to establish a credit rating.  Keep one at $2500 and lower the other two.  \n\nDon't do all this at one time!  Wait a couple months between changes so your score doesn't take a huge drop.  If you are planning a major purchase in the near future, don't do anything until afterwards.
652932
You would need to have a secured loan.  Secure with some sort of item so that the lender could get their money if you default.\n\nIf you're looking for a credit card, there are cards out there that you give them $500, and then you have a $500 limit.  It helps you build credit.
70890
Depends on your credit rating, and what you intend to use the money for.  Try your local bank or credit union, and they'll give you more information.
521413
Start by getting a free credit report from each of the three credit bureaus. There is now a federal requirement that they offer US consumers one free repeort per year.  Don't get the combined reports.  If you do you will have used your 1 free annual report and will not have all the info you need to correct the errors that you find. You will want to pay the small additional fee to get your FICO score from each, it should cost about an additonal $5 if you find the right options on the website. Be aware that they offer many other options most of which primarily cost you more money, but give little benefit.\n\nRead over each report carefully.  Errors are very common. Ask them to investigate and remove each error. Correct even errors such as wrong addresses, and update address and employment information, they reflect on your stability and do have an effect on the decisions that lenders make. They have 30 days to investigate and respond.  If they are not able to correct something that you know is a mistake, then you start calling an writing the lender directly to the business  to get the problem solved.\n\nYou now know exactly where your credit rating stands.This gives you your starting point for your 1 year project of \nimproving your credit. \nIf you are over extended, and have gotten into a habit of living above your means this is the time to change the habits for a good cause!\nMake a careful tight minimum budget. Figure out the minimum amount you can get by one for living expenses each month. Then dedicate the remaining funds (the total amount left over in your budget after paying necessary expenses)toward paying of debt and clearing up credit. \n\nEliminate all unnecessary bills (cancel cable,and any other unnecessary expenses) Examine your bills, are there options you can eliminate? If you have trouble keeping up with all the little payments like many of us do, you can use a free bill paying service like www.mycheckfree.com or a bill paying service from your bank like the one offered by Washington Mutual www.wamu.com.  If you are managing a tight budget there can be advantages to using a service that is separate from your bank, in order to schedule the payments in advance and before the(hopefully direct deposited) funds are in your account each pay period. Make or schedule to each payment to arrive in advance of the due date and pay at least the minimum plus one dollar on each and every account.  Then determine which of your debts has the highest interest rate. List them in order of the highest rate to lowest rate down a sheet of paper in you bill payment / credit improvement folder. After you have made sure that every account has at least its minimum payment plus 1 dollar paid each month, then calculate how much money is left over at this point.  Apply all of this money toward the account with the highest credit rate first.If this pays that account in full and leaves you any money left over, continue down teh list applying the maximum amount to each account as you go down the page. Always paying off the highest interst rate accounts first.\n\nSet up a folder where you put all bills, and staple a sheet of paper to the folder. list all of your payments, thier due dates and the minimum due in columns down the sheet.  Each month when you make your payments record it in writing on this sheept along with any additional notes that you may find useful. Take all your credit cards but one out of your wallet, leave them  in a safe box at home.  Do not purchase anything on credit for the year of the project. Keep the one card for real emergencies. A shoe store sale with shoes to die for is not a real emergency! \n\nDo not apply for any new credit during this year. None. not even asking for a new cell phone company quote or insurance quote, if they will do a credit check.  They probably will.\n\nDo not close any accounts, especially if there have been problems. When you close an account you also close off the possibility of improving
1007952
This should not hurt your score by any means... as long as...\nyou have other active credit still open. A great balanced credit profile will have an installment loan (like your truck payment), revolving account (such as a credit card) and a mortgage payment... all paid on time.\nIf the truck is the only acount you have, once it is paid off the scores will no longer have anything of activity to calcualte the scores with, and eventually your scores may just simply disappear.\nYour scores are comprised primarily of what has happened over the past 2 years, so always keep something open and active. (I suggest at the least a credit card that you charge one tank of gas each month and pay off each month... always activity, never late and no interest charged!)
475111
Sure if you want to be raped. If you're trying to fix your credit, start with a secured credit card. You know, one that requires 75 to a hundred dollars per year to have and has bad intrest, but don't use if for more than 50 dollars at a time and never make a late payment. After a year or two, ditch it for a better card with no yearly fee. This is a leg up to a better credit score.
849310
That $5,000 will put a pretty big dent in your credit card debt.  You should pay that down.  Or save it.  \n\nYour credit card debt likely has the highest interest rate of all of your other debt, so it would be the best to pay that first.\n\nBut, if you are going to just charge the $5,000 back on your card to do Christmas shopping, just use it for that.  Better to pay cash than to charge : )
1145727
You can get one done but it won't show much.  It is a wise idea to open one or two credit cards and then charge something and pay it off promptly.  If you ever want to buy a house or a car this will help you more than if you have never charged anything. You see, they want proof you are capable of handling credit.
1137677
Get a co-signer with a good credit score. If that isn't possible use a company like American Finance or something equal to that, they are usually loan only businesses and not banks. Most of them make their money from 3rd party loans like when your local furniture stores says "No money down no payments until 2007" it is done through these little loan only businesses. Your interest rate may be close to 20% but you are more likely to get a loan if you can prove your income and their requirements on credit scores are much lower. Another long term alternative is to take out a small loan with a bank, not use the money and pay it back over 2 or 3 payments (months). Yet another option is to join a local credit union; credit unions give loans easier and if you have a co-signer who belongs to the same credit union there shouldn't be a problem. Remember most credit unions do not report anything to the Credit Companies unless you default or stop paying so being in good standing with your local credit union won't help your credit score. You can also offer to have the payments directly taken from your paycheck... this is sometimes very helpful if you have been at the same job over a long period.
59387
Really what will determine your interest rate is YOU - If you have a good credit history - YEARS of good standing (paying your bills on time) you can talk to them about lower rates.  \n\nIf you don't have any credit or bad credit.  You will have a harder time negotiating with them.  \n\nOne thing I can say - from experience -  Don't go crazy on spending to try to create a credit history for yourself.  small purchases and paying them off is all it takes.  \n\nI opened up my first cards like 13 years ago and didn't know what I was doing.  I used to buy all kinds of stuff on them just because I was trying to help myself to grow my credit.  Well I found out the long and tedious way... that this is not a good idea.  After 10 long years of buckling down and being on a strict budget we are finally out of debt.  I never missed payments and always remained in good standing with my creditors.  After paying off the $57,000 we are now DEBT FREE!    Now I use the credit card the way it was really designed for.... to not have to have cash on me at the time but to know that I an pay it off in FULL when that bill comes.  \n\nCredit is not ment for living beyond your means - it is a tool to be used wisely.  So many people out there now-a-days live way beyond their means - in that they put everything on credit and then pay the minimums.  If you can't afford to buy it today  with the cash in your account - then you just can't afford it!  If you adopt this attitude you will keep yourself from alot of heartache and mountains of CC debt.  \n\nGood luck with finding a card and be smart about using it  :)
773962
Apply for a secured credit card.Deposit,let say $500,and your credit limit equals that amount.Use it for expenses you would otherwise make,like buying gas,groceries,phone bill,...etc.\nWhen the bill arrives,pay it in full.This way you avoid paying expensive interest while building credit.\nAfter a year or so of doing this,your credit card issuer,will raise your limit and convert you to a non secured card (you get your $500 back).\nAlso buy a CD (certificate of deposit) at your local bank say for 6months or one year term.Use that CD as a collateral to obtain an installement loan from the bank. Make the payments on time for at least six months before paying it off.\nThese two methods will certainly raise your credit profile.\nBut also important is save,save and save money for a down payment of at least 5-10% of the cost of that condo.It will make you less of a risk to lenders. Try to avoid meaningless consumerism and keep your long term goal of owning your own place permanent in your mind,and I am sure you will reach your goal.\nBTW,like tyou I am a relatively recent (legal)-chill out Lou Dobbs-LOL- immigrant to the US. I got here little bit over five years ago and own my condo,and just closed on a second house.It can be done.Whatever the Mind can Conceive and Believe,the Mind can Achieve.\nPeace