Credit - August 2006

I was very high in credit card debt for being 20 due to an ex-boyfriend. But I cleaned it up and now I can start rebuilding my credit. I applied for a credit card cuz face it we need one in todays world to do anything. But if I get it fine, but if not then fine also I'll deal. BUT I am worried that I may start going crazy with it and get myself into debt again. What can I do so I don't?

2006-08-24 18:13:54 · 9 answers · asked by Anonymous

I am recovering from some financial problems from years ago. My credit scores are around the middle 650's. I recently purchased a home (1200 mortgage) and I have 2 mastercards with 0 balance. No other bills except utilities, cable, etc. Make approximately 65K per year. What am I looking at for interest rates? I have 5K for down payment. Any advice is greatly appreciated.

2006-08-24 16:51:31 · 5 answers · asked by Speedracer 3

2006-08-24 16:46:00 · 7 answers · asked by alexander h 1

I just closed a mtg refi. My lender found a $3500 chargeoff on my credit report. I called the company who placed the item. They could not find anything with partial acct # provided on the report. Had them cross-reference my social security #--nothing.

I spoke to a rep (in India, maybe?). Was asked to fax all info that I have to them. I don't have info. I need THEM to provide info since they are the ones who placed this item on my report.

What is the best way to handle this? Deal with the creditor and hope they rescind the item on report. Deal with the reporting agency and hope, since I don't any documents, that they see merit in this case and proceed. Or, pay a local atty a fee to handle this?

When contacting the creditor about this, I was switched repeatedly to/from different reps. I sensed a run-around and don't want this to get long and drawn out.

What is the most sensible course for resolution? The path of least resistance? I don't want a headache.

2006-08-24 16:25:34 · 11 answers · asked by buggeredmom 4

can the new collector, without notice, report you to the credit bureau? I recently made a settlement arrangement with the first agency and sent them money only to discover that I have been reported by another agency.

2006-08-24 16:08:24 · 7 answers · asked by Anonymous

how do people make it in the world today,it seems to pay your basics is quite an accomplishment

2006-08-24 16:02:59 · 21 answers · asked by trish r 1

2006-08-24 15:55:23 · 3 answers · asked by AJ 2

Ok six years ago i had some big financial problems. i though i pd every thing offf. Then about 2 months ago i get this message on my machine this guy asking for me and he needs to discuss a lawsuit with me. I then called him back he asked for acase #, ssn#. he then claimed he works at a lawyers office . he went on telling me that i owe him4,900 right now. i told him i am unaware of this, he told me it was a wells fargo card i opened in aug of 2000. i told him i need to look into this more, he said too late buddy or i am going to see you in court, then you are screwed. i hung up the phone, then this guy called back and left a message saying you just did a stupid thing i am not going to rest until i see every penny of yours is gone. I then went right to my attorney and explained , he pulled my credit report and it is on there unfortuanlly it is there. my laywer told me not to worry he will send out some letters out, he told me i am close to SOL 6 years in my state. What is SOL

2006-08-24 15:50:33 · 7 answers · asked by don m 1

2006-08-24 15:34:28 · 6 answers · asked by Pep Streebeck 1

Why is credit score that important? please send resources.

2006-08-24 15:12:00 · 4 answers · asked by Sussy 1

Actually, free lotto is asking the credit card no. But i do not have an account in an international bank. If you know any one who won that kindly ask them and answer me if possible.
Thanking you.

2006-08-24 14:52:34 · 13 answers · asked by E.D. 2

Lenders....... Id say that once you have paid 3 times what you originally borrowed .... then you should be out of debt. But NOT with revolving credit ...... I see way too many people being allowed to borrow more than they should and for frivalous purposes. And when People go Bankrupt .... we wind up getting to foot the Bill By escalating Prices...... Agree or Disagree?

2006-08-24 13:07:15 · 9 answers · asked by D B 4

i use to live in philly and now reside in jersey city since feb 2006. butt my debt problem have alwayz been goin on for 6 yrs now... i have a court date in sept 9 and have only 2 wks to find a lawyer... which i didnt even look for yet. if i get a jersey city lawyer, would they have to attend da court date in philly? or can the matter be solved here? and let's say i have a job and can't get that day off? wat would happen? would they excuse my absent presence and proceed with the filing for bankrupcty or do i still have to show up?

2006-08-24 12:29:56 · 6 answers · asked by Anonymous

Please know what you're talking about before you answer. Facetious answers will get poor ratings and/or reported as abuse.

2006-08-24 11:12:11 · 3 answers · asked by wildheavenfarm 3

I have a credit card from Sears that I haven't used in about 10 years. Is it still good?

2006-08-24 11:01:56 · 7 answers · asked by connie h 1

If i get two credit cards where I use one for all my purchases, can I use the other one to pay the bill of my first one so I can suspend my payment for an extra month?

2006-08-24 10:48:40 · 10 answers · asked by Anonymous

2006-08-24 10:15:57 · 14 answers · asked by say it isn't so... 2

2006-08-24 09:55:28 · 12 answers · asked by suezzie 1

I dont own a car or a house but I do make an alright wage. I dont have any credit cards and the only thing I have to pay other than living exspences is alimony

2006-08-24 09:40:16 · 11 answers · asked by Anonymous

i have a car loan to a certain company which i found that their interest rate is quiet high compare to other, can i transfer that to another credit company?

2006-08-24 09:09:26 · 7 answers · asked by tinytots 1

2006-08-24 08:48:43 · 1 answers · asked by shajidulislam 1

2006-08-24 08:47:16 · 8 answers · asked by adamratay 1

2006-08-24 08:12:40 · 11 answers · asked by Anonymous

Don't need your guessings or "I think". Real serious answers from knoledgable people are very appreciated.

2006-08-24 08:07:53 · 10 answers · asked by D.J. 5

could she go to jail if its her first offense ever

2006-08-24 07:53:49 · 15 answers · asked by Anonymous

Okay, i got into a car accident about a year ago. This lady is suing me now. my auto insurance company has tried to settle this with her before going to court. She won't accept it. I was told that my insurance will pay for the settlement but if the claim has to go through court, this whole thing will somehow go on my credit report. I have really good credit right now. i think it's up to 746 right now. Do you know if and how this will affect my credit?

2006-08-24 07:41:23 · 3 answers · asked by MRS.S 2

2006-08-24 07:23:42 · 8 answers · asked by jollyrancher918 1

How long does it take for credit inquiries to get off of your credit report?

2006-08-24 06:53:21 · 7 answers · asked by Kream 1

do they work? are they a rip off. Is it just a case of paying your debts on time and regularly and waiting for your credit rating to get back to normal in the process? or is it bad for life?

2006-08-24 06:28:08 · 7 answers · asked by Smoochy Poochy 6

I was 19 when my was destroyed. I needed an emergency surgery and didn't have insurance. The "doctors" couldn't figure out what caused the pain, but told me I have endometreosis and also took my apendix.

The bills were overwhelming and I paid what I could- but didn't really have that good of a job. Parents and family couldn't help out.

So because I thought I was going to die, didn't have medical insurance and couldn't keep up with bills (I tried to work out payment plans with no avail) My $20,000 Surgery fkd me for life.

2006-08-24 05:39:29 · 11 answers · asked by Nanjadufrance 2