Credit - July 2006

2006-07-19 02:23:13 · 9 answers · asked by rodmod 3

I want to make payments over the internet, yet I don't know where to get a credit card.

2006-07-19 01:02:54 · 7 answers · asked by Rabiu K 1

What is a "5 year ballon based on 15 year amortization" (at 8%) loan? We are buying land and this is what the bank is offering. I don't understand it. Please help!

2006-07-19 00:32:26 · 11 answers · asked by sugarbud 3

Ihave to creadit card please tell me the best way to pay all of it one is like $1500 other is $1300. How much every two weeks should i need to pay need info

2006-07-18 22:07:19 · 6 answers · asked by Romel c 2

Im paying settlement amnts on my credit cards which have been seriously past due for a cpl years. They are closing the accnt with the settlement payments, Im making great headway in the past 2 months, 3 are settled. Im very proud of myself, but I am concerned on how long it will take for my score to go up. I notice that the accnts I had settled are still on the report, saying charged off or what have ytou. How do I make sure these come off the report or at least show that I have paid them a fair amount to close it? I request a letter from each stating that I have settled, do I need to contact all 3 agencies with a copy of the letter stating I want that reflected on my report? I hope someone here knows what Im talking about and has been through the same thing . Plz give advice on my next step to ensure my credit report will reflect the progress Ive made Thx.

2006-07-18 18:39:34 · 3 answers · asked by Anonymous

And then act suprised when they get called by the collection deparments?And ,and are like i dont know thire phone number or address ,where they are and wont make a payment when it is affecting thier credit???

2006-07-18 18:02:05 · 7 answers · asked by Anonymous

My credit score is zero and ive had 2 credit cards for a month and I paid in full before its due but I am trying to get a used car and he said it would be a good idea to get some more credit cards to build up my credit, I have a credit one bank card and a capital one card does anyone know how often they report. Also does anyone know of anymore credit cards for me. Thanks

2006-07-18 17:29:49 · 7 answers · asked by Amber W 1

Hello, i am just looking for some advise. about 4 weeks ago my parents recived a phone call at 730am from some one asking for my wife but in her maden name. my parents ask what the call was about and this gentle man claimed he is with the irs and it is about a 1099 form. My parents then called me right away and told me to call this guy. So i did first thing he ask was a ssn#, i did not have it. then i gave him a case #. Then he came back and said that your wife owes us 2900 now for a 5 year old capital one card, or else we are going to sue you for 5500. I told him i have no idea with this is about and i will have to contact her. He told me i have to pay him now or else. I was thinking he was a con. I did ask my wife and she said that had a capital one card, she did 5 years ago when she lived in Texas now we live in MN. We did get a letter from an attorneys office one week later. Thx tim

2006-07-18 16:24:39 · 6 answers · asked by Anonymous

when u r authorized on a credit card that has been active and paid for years, does the authorized users credit report show the same amount of time when its reported ?

2006-07-18 15:57:12 · 3 answers · asked by ashmac 2

2006-07-18 15:51:00 · 7 answers · asked by black_lookinlady 1

I am in the process of home buying and i have a few small things in my credit i need to settle. What should I say to the company when trying to settle? Is this pretty normal I feel wierd about doing this?

2006-07-18 14:54:58 · 8 answers · asked by pooh bear 4

I am trying to purchase a car my credit is pretty low...I tried and I couldn't even get a $20,000 car, the bank was only willing to give me $8,000. The reason is I have a charge off on my credit from my VERY first car. I still owe that company 4k. The car doesn't work and is worth nothing. So I'm stuck with it. I was a different person then and at a different point in my life. I have a steady income now, but I feel like this charge off is a scarlet letter! What can I do???

2006-07-18 14:25:31 · 8 answers · asked by NicoleAnn 1

TIA,
LizzieDoodleBug

2006-07-18 14:22:14 · 5 answers · asked by Lizziedoddle B 2

I was offered a program by a Sears customer service rep to bring my acct. back to good standing. The offer was no finance charges and no late fees for a year. Which started in Nov 05? As of January I've been charged finance charges. I've called them numerous times between Feb and Today. Every time I call I get transferred to a supervisor or a manager. They say there was a computer glitch and to call back anywhere between a couple of days to a month to verify that the charges are credited back to the acct. I am on program: 148, status code: 42, whatever that means. Thanks in advance for any assistance.

2006-07-18 14:07:53 · 1 answers · asked by Foreclosure list 1

I noticed the first collection agency name "Arrow Financial Service' was reporting on my credit report for a debt and was updated in July 2006, then I recieved a letter from in infamous Ken Hughes ( Merchants Credit Guide} on July 6, 2006, about the same debt for First Premier Bank. I have been keeping up copies of my credit report and it shows that account was 30 days late as of Oct. 2000 and it led to a charge off in Feb. 2001. What I want to know will "KEN" try to re-age this debt? I hear rumors about him all the time. The SOL in my state is 7 years.

2006-07-18 13:34:26 · 1 answers · asked by tiannabooboo 3

2006-07-18 13:29:36 · 3 answers · asked by cookie 2

Capital One sent me an offer for a pre-approved Preferred Plus Platinum MC with a credit line of up to $5000.

But I already have a MC with Capital One and had one for the past two years.

I mean I'd prefer that they just raise my credit limit on my old card instead of another account. So why are they doing this? Is there an advantage for them somehow? It's a no annual fee card.

2006-07-18 12:41:31 · 11 answers · asked by Anonymous

what can i do to bring up my Fico and have another acc. opened?

2006-07-18 12:14:42 · 3 answers · asked by grumpy 1

Why do they keep sending these offers to me at least 5 a week... if I already have a card with them?? How do I make it stop??

2006-07-18 12:12:00 · 8 answers · asked by amy 2

2006-07-18 12:11:11 · 9 answers · asked by KELLY J 1

2006-07-18 11:42:36 · 9 answers · asked by combat25 1

i would like to know if both my wife and i are eligible for the free annual credit report each. in other words can she do one, and can i do one, each year?

2006-07-18 11:33:08 · 9 answers · asked by laurfield 2

i have a judgement on my bank account with chase from discovery card.
how long does it stay for, it has been over 1 month and counting, is there a limitation as to how long it stays frozen with out them, lawyer taking action???

2006-07-18 10:25:52 · 3 answers · asked by systeck10980 1

Where can I get free filing forms?

2006-07-18 10:25:35 · 6 answers · asked by Yahoo! Answers Chic 3

I want to get a loan and i have really bad credit and i dont want a home or a payday loan.Can you help me

2006-07-18 09:50:04 · 6 answers · asked by yogieb. 1

2006-07-18 09:40:39 · 5 answers · asked by kattychat57 2

Which looks best on your credit?

2006-07-18 09:18:11 · 10 answers · asked by Anonymous

Back in 2003. Despite detailed records, receipts, complaints to the Department of Justice, police, et cetera. No one helped me or even offered me any advice on how to proceed. As a result, my truck was reposessed in 2004, and despite trying to catch up, my credit still suffered.

Fast forward to 2006. Prior to this incident, my credit report was beautiful. I had R1s all the way down the board. I had long, established credit histories, which were all current. Besides the repo, I've also had stuff hit collections. I've NEVER done a charge off because I opted to pay the full amount in hopes that this would look pleasing on my record.

Is there really no help or no restitution to repair my credit? I've hit a brick wall each and every time. I'm STILL trying to play catch up to this day. It's frustrating because I want to buy a house, but I'm afraid my score isn't what lenders are looking for. Does my credit score BEFORE mean anything in this case, since I'm a victim of ID fraud?

2006-07-18 09:05:27 · 7 answers · asked by Laydee 1

2006-07-18 08:54:18 · 8 answers · asked by Kiffany W 1

2006-07-18 08:34:29 · 5 answers · asked by melder28 2