Credit - July 2006

2006-07-08 13:49:12 · 10 answers · asked by persikem 1

I have heard about credit repair companies that can get negatives off your credit report but have heard that there are alot of frauds out there too. So has anyone actually tried one that works?

2006-07-08 12:21:01 · 9 answers · asked by lanena423 2

my wife filed for bankruptcy (i know spelled wrong) a few years ago, and also has recieved gov. student loans, and got an associates in business. question now is, she wants to get bachelors, but we have no money for school. working a job will take years to pay for her schooling, and she wants to go as soon as possible. Im in the military, and have my gi bill, can i transfer it to her or anything? Is there anything my wife can do to get a loan, or a grant or anything??? Help!

2006-07-08 11:51:53 · 7 answers · asked by Anonymous

2006-07-08 11:50:31 · 6 answers · asked by master o 1

i have disputed items i know that was not my fault , some very successful , but they keep selling accounts to other collections agency , How many times can they do that And , Why would an agency buy a disputed problem?

2006-07-08 11:34:37 · 3 answers · asked by glitterriver 2

I'm finding it impossible to get approval for a student loan because I previously declared bankruptcy. I can easily get approved for a car loan, but not for my education. Anyone with ideas or information about this situation please respond. I have to pay for nursing school by August 1st!

2006-07-08 11:18:31 · 3 answers · asked by Heidi M 1

in 12/2/2006 I need to barrow $30,000.00 now and refi in Dec. and can pay back $30,000.00 when I refi. Is this possible? If so where do I find a lender that will work with me?

2006-07-08 10:44:13 · 5 answers · asked by kenekenn 1

I only want response from the metro atlanta, Ga area

2006-07-08 10:17:39 · 4 answers · asked by Wendy 1

2006-07-08 09:57:09 · 1 answers · asked by lordwhywhy 1

2006-07-08 09:11:54 · 7 answers · asked by greatdame53209 1

I've been looking for answers on here and have only found tidbits of what I need to know. Here is the full story:

I missed my June credit card payments (on all 3 of my cards) and will also have to skip July's. I will be able to pay what I owe come August, so I won't have missed more than 2 consecutive payments on each card. It's been a rough summer for me but I will definitely be paying what I owe in another month...but not without having skipped out on 2 payments first.

I know that means my APR is going to go through the roof on all three cards. I've accepted the fact that that is the heavy price I'll have to pay for my mistakes these 2 months. I'm already receiving phone calls but I'm not bothering to answer because I can't even pay til August 10th anyway.

My question is: Aside from the fact that my APR is going to go up and they will be calling me for another month, should I expect any other problems? Or can I really go 2 months and then just catch myself up on what I owe?

2006-07-08 08:51:13 · 8 answers · asked by RainyDay3084 1

Need letter to let the collection agencies to upate paid as agreed to credit bureas.

2006-07-08 08:44:07 · 2 answers · asked by Anonymous

Why can't we wait until we can actually afford something before we use the plastic money to buy it? Some people can pay off their credit cards every month but most just build up a huge amount of debt and cause stress on their lives.

2006-07-08 08:18:13 · 9 answers · asked by ? 6

My credit rating is bad, and I don't know what I owe from the past, how do I find out and what to do about my bad credit. I have been told there are loopholes in fixing my bad credit rating, but where can I go which won't cost me an arm and a leg??

2006-07-08 07:57:44 · 13 answers · asked by jj 2

I want to know if theres a bank,company that could give me a credit card or loan.I also earned a certificate for BAnk teller ,would it be easy to get a job ,or would the banks not hire me because of my credit ? help.also which banks pay most?

2006-07-08 07:48:28 · 11 answers · asked by brendamelissamisty 1

I am thinking about filing for bankruptcy, but I have no idea where to start- I know i cant erase everything from my credit, but what is included/discluded when you file? Is it all from the past- like things that went to collections, or do they look at what you owe now and take that off too? I am trying to build up my credit score with things such as paying my car note on time, but it seems i am getting further and further into debt. any help would be greatly appreciated!

2006-07-08 07:01:45 · 9 answers · asked by glorymomof3 6

If I can only pay $50.00 per month do they have to accept that a
amount?
Are the laws different in each state in regards to my question?

2006-07-08 06:40:09 · 2 answers · asked by Chuck S 1

my boyfriend has an auto that i co-signed for and we are no longer together and i do not want the responsibility. he is not paying the notes on time and it is ruining my credit.

2006-07-08 06:32:10 · 12 answers · asked by Robin M 1

I checked my credit online at lending tree and my score was 625. The site recomended I get a credit card and make small purchases and pay them back in a timely manner. I know there are alot of easy credit ripoffs out there. What do I look for to avoid getting bled dry with interest rates and annual fees? What would a reasonable rate be?

2006-07-08 06:01:48 · 11 answers · asked by drunkmunky 2

I had recently bought a vehicle @ 23 % interest due to i was told i had bad credit..I think i had gotten taken. other banks considered it at a b credit....just wondered if anyone knows about credit...

2006-07-08 05:56:13 · 6 answers · asked by LYNN_33 1

ok, I admit it..my credit was very poor..when I found out how bad it was I worked very hard to fix things. I still am. was able to buy a new car at 9%..amazing for my past.. have opened department store accts and done well..owing only $50. I have a good paying job, no bankrupcies. mortgage always on time. The problem..My son wants an 4 wheeler. He is a good kid! never gives me a moments trouble. i really want to do this for him. But no will finance!! Does anyone know of any lenders that will finance someone with past bad credit to make his dream come true???? thank you!!!! He isn't spoiled, he doesn't have "everything" and I think with his behavior, etc, that he deserves this.

2006-07-08 05:20:00 · 3 answers · asked by misty827 1

2006-07-08 04:28:52 · 10 answers · asked by Anonymous

2006-07-08 04:18:10 · 14 answers · asked by Enigma 6

I have an account with a finance company who usually report to equifax. When I refinanced this account back in february 2006 this is not reported. This is an old trade line and I need it for scoring and credit history purposes. Can anyone advise me in this situation

2006-07-08 03:39:03 · 3 answers · asked by jawsnu7 2

The company I had the account with was taken over by another company. I have sent numerous requests to be reimbursed the overpayment, with no results other than more monthly statements. Can make no connection to a live person by phone and there is no automated option for reimbursement. Its easy enough to throw the statements in the garbage each month, but it is costing this company more than 2X what they owe me, just to tell me each month that they owe me. It's just an insult to any good business mind.

2006-07-08 03:37:18 · 8 answers · asked by stillwater 2

2006-07-08 02:13:57 · 17 answers · asked by Anonymous

When i was 18 years of age,i received a credit card and max it out.Stupid me. Now 28.I want to build it back up what do ido ?I owe about $6000 total . $ 2.000 was withdrawn by me and uncle sam asked for $4.000 in interest.Rip off.If you do the math that was 10 years ago. The bank was discover.Thank you .This is a serious matter.

2006-07-08 01:56:46 · 8 answers · asked by gdoginya 2

Our morgage company said that we have great credit and my husband has 7.9 and I have 7.3 is this really good? We have had low income, just finished school and will be making alot more this year.

2006-07-08 01:43:04 · 6 answers · asked by newmommyjan22nd 1

A person loses a job through no fault of their own, and for the next year or so unfortunately can't find a new job no matter what they've done (and even though they have a college degree), as a result they run out of money and file bankruptcy.

Then they go to another interview and are rejected yet again, only this time because of their credit report, what can they do?

I know that identity theft victims and their resulting bad credit report is an exception and they will still be considered for the job.

But what about if the reason a person lost their last job was because of discrimination and wrongful termination, and that job loss put them back on a job search that should never have happened, because they should never have been discriminated against and wrongfully terminated?

If that person's credit was pretty good up until shortly after that incident, shouldn't they also be given an exception and be given another chance at the new job they applied for?

2006-07-08 00:51:57 · 12 answers · asked by cassicad75 3

I have recieve just denials from the creditors I apply. They say that I have a Collection, to which I honestly ignore what could it be, since I make all my payments on time.
Can i avoid paying from getting a credit report from the bereau online?

2006-07-07 20:54:46 · 9 answers · asked by Carlos A 2