Credit - August 2006

Right now my FICO score is 584 (I made some bad mistakes a while back). Can I still qualify for a hime loan or am I condisered worthless? I have a great job (I've been w/ the same company for 14 years) and a nice salary. Should I even try? Or should I wait 2 more years for the charge offs to drop off my report?

2006-08-24 05:17:10 · 16 answers · asked by woodybmi 3

I have five clients with an estimated outstanding combined balance of $2600.00 USD and we want to collect! I have been working with collection agencies but I am curious, can I send the information to the credit bureaus as a delinquent account? This would obviously add clout and help me collect on the outstanding balances. I believe the statute of limitations is 5 years in Maryland, so I have plent of time to get this done. Any information would be helpful.

2006-08-24 05:03:40 · 4 answers · asked by fastcarceo25 3

I just got the letter from their lawyers stating that might come after me and take me to court. It is an old SBC bill for $2800.00 from back in 2003, what happens if they sue me? What does a judgement against me mean? Do I have to go to court? How bad is this really? If they get a judgement against me can they garnish my wages for that money? I am so confused.....

2006-08-24 05:03:06 · 14 answers · asked by Anonymous

can your pay be garnished for charged off credit cards over four years.

if the account was sold to a third party which sold it to an attorney's office what can they do?

how do you get rid of credit card debt if your credit is good but you have a high income to debt ratio?

2006-08-24 04:42:22 · 7 answers · asked by consolidator 1

I have tried Dell.com and there are no links there.

2006-08-24 04:12:25 · 5 answers · asked by ? 6

2006-08-24 03:45:00 · 13 answers · asked by secret42305 1

Hi, I'm an international students in N.Y.
I wondering if how I can gain credit score.
I don't even have a SSN.
I need your help! Thank you in advance.

2006-08-24 03:41:14 · 7 answers · asked by Anonymous

How do you get i t better? How long does it take to repair? When could you get a mortgage?

2006-08-24 03:34:00 · 14 answers · asked by jules 4

me and my boyfriend bought a house....well guess what..he is an ex now and i am left with all the bills...i contacted a lawyer and my best bet is to file bancruptcy...i have perfect credit and now it is going to be ruined....anyone else file bancruptcy? can you tell me what it is like?

2006-08-24 03:20:32 · 8 answers · asked by kaseymay_2000 2

say like a Modular home with land? and your credit is below 600 a friend swears that she did this and i was just curious because i didnt think that was possiable.

2006-08-24 02:31:54 · 6 answers · asked by errorzbrat2001 1

2006-08-24 00:31:31 · 9 answers · asked by lady g 1

I share a checking account with a friend and am being threatened with freeze on checking from creditor

2006-08-23 23:02:43 · 7 answers · asked by gentletobetamedfish 1

I know the Bank of England rate is about 4.9% but this sounds such a good deal.

2006-08-23 21:13:53 · 39 answers · asked by Anonymous

2006-08-23 20:44:40 · 5 answers · asked by flowers 1

2006-08-23 20:31:04 · 14 answers · asked by deccandude 1

"I owe, I owe," as the old saying goes and DO I OWE a lot.

(Students loans and credit cards...what a vicious circle!)

Tell me your story (no REAL personal details please) and maybe I can learn from YOU..

2006-08-23 19:15:22 · 10 answers · asked by Dune 2

I am at my wits end I have tried everything I spoke to a lawyer about bankruptcy and she said i would end up having to pay everything anyway so it would be a waste of time and money to file what should i do. i would pay them but i can't afford it otherwise i would pay them

2006-08-23 18:56:04 · 6 answers · asked by Jason L 3

Can anyone guide me how much is interest rate on corporate lending in Taiwan?

what percentage banks charge for lending to their big clients in Taiwan?

2006-08-23 18:44:30 · 1 answers · asked by imranrashid1 2

2006-08-23 18:02:36 · 4 answers · asked by tamps 1

I have over 25,000 in credit card debt and 2 foreclosures as well as some utility bills that i have neglected. I need help please. Thanks in advance no smart alecs please

2006-08-23 17:58:06 · 5 answers · asked by Driz69 2

Thanks, guys~

2006-08-23 17:44:25 · 8 answers · asked by airwaving 2

2006-08-23 16:02:14 · 17 answers · asked by Shankia M 1

and can i have some examples

2006-08-23 15:33:52 · 9 answers · asked by cute little me <3 2

2006-08-23 15:26:55 · 3 answers · asked by lu_consulting1993 1

Someone Posted this on another answer and I'd like to know if it's true:
(Also..if it is true, what are the consequences to the Collection Agency if they do contact you after sending this letter)

Here is a little known secret - you DO NOT have to deal with collection agencies - by law. All you need to do when getting a letter from a collection agency is state the following - by letter and signed with all names and account numbers noted:

My debt is not with you, it is with (fill in the blank). You are hereby notified that you may not contact me in any way, shape or form regarding this debt from this day forward.

Send it certified mail, return receipt requested.

If you respond to a collection agency in any way other than that from the first contact, you have in actuality validated their efforts to collect the funds, whether they are legitimate or not.

2006-08-23 15:23:40 · 4 answers · asked by 1yugpj 2

2006-08-23 15:15:40 · 4 answers · asked by lu_consulting1993 1

I have an Old Navy card that use to have a limit of $400, they raised it to $750 does that have a negative impact on my credit and my credit score or does it look good? Also what affect will it have if I ask them to lower it again, or close the account out completely?

I am trying to work on my credit score to get a good interest rate on a home loan, any advice will be very appreciated!

Thank You!
Tracy

2006-08-23 15:12:06 · 13 answers · asked by Tracy M 2

I am just about in over my head with my credit cards. It's becoming harder and harder to pay the bills. I don't want to declare bankruptcy. Is it possible to call your credit card companies and negotiate a pay-off?? Ex: I owe $8000 could I negotiate to pay only $6000?

2006-08-23 14:54:49 · 8 answers · asked by aint_a_player_no_more 2

2006-08-23 14:40:38 · 9 answers · asked by tennille b 1

And what are my other option so i don't appear in front of any judge or authority figure?

And another question is my crediters seud me to appear in court in september. what will happen if i don't show up?

2006-08-23 14:33:44 · 9 answers · asked by Anonymous