Credit - June 2006

I had fallen 3 months behind on my mortgage payment, when I was laid off a few months ago. I do not have a lot of debt. 1 credit card and normal monthly bills that are NOT excessive. I just cannot catch up on my mortgage! Do I have any refinancing , or small loan options even if my mortgage is late???

2006-06-20 07:44:03 · 6 answers · asked by Anonymous

Im trying to raise my credit score . My score now is 640. My mom is willing to add me as her authorized using on a "Avenue" credit card. The card was opened in 1991, but its says on her credit report, open, paid as agreed, never late but inactive. Should I be added as an authorized user even though its inactive? And I only have 2 years of credit history.

2006-06-20 07:08:34 · 7 answers · asked by mememe 1

2006-06-20 06:42:30 · 7 answers · asked by sunshine 1

I hear about it all the time but really don't know the difference between the two. Could you also give some examples of both? Thanks for the help!

2006-06-20 05:51:53 · 5 answers · asked by mageta8 6

2006-06-20 05:33:57 · 8 answers · asked by Vadim B 1

2006-06-20 04:47:50 · 14 answers · asked by UserJoe9 3

2006-06-20 04:30:28 · 20 answers · asked by akaskeewee01 2

2006-06-20 03:56:07 · 9 answers · asked by Gary 2

It got my credit report online from Experian. Why doesn't it show my credit score?

2006-06-20 03:34:19 · 11 answers · asked by Anonymous

I'm 19, from Florida and i have never had a credit card and i obviousley have no credit. I want to get my first credit card but it seems like every advertisement sent to me has a huge interest rate. What card do you think would be the best for me? I am not a student.

2006-06-20 03:34:02 · 6 answers · asked by PinkFloMo 2

2006-06-20 02:21:50 · 5 answers · asked by WHY 1

2006-06-20 02:16:16 · 5 answers · asked by Chris B 3

I have a lot of negative equity , I have a 2003 Chevy trailblazer and I owe 23,500 on it and I am told trade in value is on 13,255 so this leaves me in the hole a lot! Can anyone out there tell me how to get this refinanced at a decent rate, I am paying 567.00 monthly. I do have bankruptcy in the past .. but is has been over two yeears and I was able to get approved and buy a house last month.I have already tried Wells Fargo, Capital One, and LendingTree, I currently have it through HSBC.....

2006-06-20 01:42:42 · 10 answers · asked by Machelle 4

2006-06-20 01:20:29 · 8 answers · asked by Anonymous

I'm trying to rebuild my credit rating but nobody wants to seem to help!

2006-06-19 23:55:33 · 10 answers · asked by derekalan007 1

2006-06-19 23:30:37 · 5 answers · asked by tyut2 2

I am £20,000 in debt with unsecured loans, I am 20 years old. I cant afford to pay it back and dont think I ever will. What can I do? Whats the worst that can happen?

2006-06-19 23:19:33 · 14 answers · asked by beatz c 1

I am 20, and have absolutely no credit..I don't have bad credit..i dont owe money..I just dont have any credit at all. I want to get a credit card but no one will give me one..what do i do? Plese help!

2006-06-19 19:27:43 · 8 answers · asked by Anonymous

2006-06-19 18:53:47 · 5 answers · asked by precious 1

2006-06-19 18:31:25 · 7 answers · asked by Robert H 1

Every site I go to wants you to join something and pay by credit card. I don't HAVE a credit card...lol... I thought a law was passed or something where you could get your credit score on request.

2006-06-19 18:30:56 · 2 answers · asked by Doxie_Lover 2

2006-06-19 17:51:19 · 8 answers · asked by NERY G 1

I have a collection from a finance company. That collection is listed as sold on my credit file. When the company sells a debt, does that date of the statute of limitation restart when the buying company recieves, or is it the original date. Basically, will it be on my file for 7 years, from when the debt was incurred, or 7 years from when it was sold to the second company.

2006-06-19 17:51:11 · 2 answers · asked by startingallover 1

2006-06-19 15:10:04 · 9 answers · asked by Wahenie 3

That is my score, but I own a home and make over $40,000 a year. I was 30 days late on my house payment 1 time. I have one charge-off from 3 years ago, when i was broke, and 2 old phone/tv bills(collection accts.) that were from college (4-5 years ago). I have only one recent (within 3 years) collection acct.. I just got my report, and I want to buy a new vehicle. Am I screwed??!!

2006-06-19 15:06:51 · 10 answers · asked by fitgalmel1 2

yea... what site will give you a free credit report without having to use a credit card for a "free period" i have heard of a couple on t.v. but stupid me i didn't right them down ... ha! thanks for the help

2006-06-19 13:46:30 · 6 answers · asked by jenafur187 2

One of my credit cards just got cancelled because I haven't used it in about a year. Is this bad for my credit? I mean I had $0 balance on it and everything.

2006-06-19 13:41:30 · 11 answers · asked by naughty_sharky 3

I had an account with this company and was making the payments the best that I could. Anyway it was charged off and now the agency that is handling it has had me served with court papers. Is it too late to work out a payment plan and what measures can I take to keep this from going to court?

2006-06-19 13:01:47 · 8 answers · asked by simplyelegant_1 1

I went to California and saw this a lot. I was once told that this was not legal (Federal Law). Is this a fact or not?

2006-06-19 12:57:31 · 8 answers · asked by Gary O 1

mines 478 im screwed

2006-06-19 12:22:21 · 5 answers · asked by wantedman 2