Credit - August 2006

my credit card due date is 8/14 and i paid on 8/14 and capital one received the payment on 8/15, Is this a late payment? Because i did not pay late, i paid exactly on 8/14, Now they r charging me late fees. Calling capital one and there is no customer service but only automated answer machine.

2006-08-22 13:31:53 · 7 answers · asked by samui_cloud 2

2006-08-22 13:28:57 · 3 answers · asked by KHX 1

2006-08-22 12:54:37 · 11 answers · asked by Anonymous

There are four good faith payments, do the credit cards go into default while making these payments?

2006-08-22 12:30:18 · 5 answers · asked by Marc G 4

i have a credit score of 570 and have no money to put down any help to someone who might knw how to help me get this loan to purchase my home????

2006-08-22 12:14:42 · 15 answers · asked by 2forme 2

2006-08-22 11:44:44 · 9 answers · asked by Abriannah 1

I am in NC,and without my knowing,a collector by the name of Unifund CCR Partners,obtained a judgement against me,for $3600.00.I dont know what this is about,I travel alot,and this was done while I was away.Today I was served with papers to fill out,and they are called "Notice of Right To Have Exemptions Designated".What is the best way to fill these papers out?To protect what I have,and this is not a way to get out of paying,as I really do not know what this is about.I have a mortgage,and own 2 autos.I am sure I will have to list these.The judgement is in my name,and not my spouses.The property we have is joint.Any experts on here?Please help,as this has been a very stressful day.Thank you!

2006-08-22 11:42:12 · 7 answers · asked by Anonymous

Got new loans to pay old ones-now I just want out. Need advice as to consequences in CA. Desparate!

2006-08-22 11:41:07 · 8 answers · asked by NavyX 1

I've heard that the worst thing to have on the credit report is a charge off, needless to say I have one or two.

2006-08-22 11:22:57 · 10 answers · asked by Anonymous

When I wanted to buy a car 5 yrs ago, the creditor said I needed my husband's signature. In the end, he was the owner of the vehicle and I was the co-owner. But when the car was repossessed some yrs later, the whole debt went on my credit report! What should I do?

2006-08-22 11:21:29 · 4 answers · asked by Anonymous

when you don't have a job, no money in the account and don't want to mow lawns or do manual labour or borrow from family or friends.

2006-08-22 10:52:35 · 12 answers · asked by snorkelman_37 5

I have a son which is 14 years old. I'm having a discover card right now and he wants to have an additional card from my discover account. I think he has what it takes to have his own credit card. But still can I get an additional card for him? according to his age?

2006-08-22 10:48:40 · 10 answers · asked by Anonymous

2006-08-22 10:21:42 · 11 answers · asked by Anonymous

2006-08-22 10:07:17 · 8 answers · asked by MARK J 1

It's a simple (self explanatory) question really im just out of high school and i want to build credit WITHOUT getting a credit card (its the last option for me).

2006-08-22 09:39:05 · 9 answers · asked by victorvandort225 1

I owe a ton of money and want to get everything in order. I was thinking of using www.freedomdebtrelief.com and was wondering if these guys really help or is it some kind of scam. Thanks for the feedback.

2006-08-22 09:06:06 · 3 answers · asked by pinkie 1

I just pulled my credit report and my husband's credit card is listed there. He put my name on his account and gave me a card. Is it right for them to list this on my report if it's not my card? It's only listed on one report.

2006-08-22 08:49:59 · 29 answers · asked by Kim 1

I have a high interest loan on a car. I didnt have much credit when I bought it but my credit is better now. I thought about refinancing after a year and six months. But would like to do it sooner and wondering if one year would be too soon.

2006-08-22 07:49:42 · 5 answers · asked by Anonymous

My credit is REALLY bad (it's between 300 and 400) and I really wanna get back up on my feet. Does anyone know of any kind of service BESIDES credit counseling (i've tried them and i blew a lot of money for them NOT to pay down my debt)? I'd like to get some sort of a loan and just make 1 monthly payment...I don't really have any collatorel (i think i misspelled that)? Can anyone help me out here? Thank you!

2006-08-22 07:24:25 · 9 answers · asked by proudmommyofharvie 1

I am 25yo student, currently no job and living with my parents. I have accumulated a lot of debt and obviously have one creditor calling my cell, my parents home, their cell phones, and their jobs. This big company calls at least 3-10 a day. Tell me I can go to jail, get sued, and when I try to ask about options they just tell me "They have to talk to my parents because even if I got a job there is no way I'd be able to pay it off." I owe them about $21,000 and there is no way my parents would pay them off considering that they tied up all of their money in a new business. They keep telling me that it is fraud because they say I have no intention of paying it, even though I told them that I did. One of their people even told my mom that I owed over $10,000 not telling her the exact amount. When I told one of their people about it they say there is no way that was said and all of their calls are monitored. There is no other way my mom would have found out. What can I do?

2006-08-22 07:17:20 · 13 answers · asked by pinkie 1

I am a 40 year old virgin you know.
answers preferably in english pounds sterling.

2006-08-22 06:59:45 · 9 answers · asked by Anonymous

I have creditors calling to collect on debts that I have incurred about 3 - 5 years. The toal sum is about $3000. Two of the three are threating to take me to court or take legal action. I legitmately do not have the money. I have a house payment. I have two car payments since me and my wife both work. After those major bills and the gas/light etc.. I put about about 10% of my income for retirement. After that bills and food I have only about 150 left for distrcretion. I have explained this to the creditors and they all want at least 100 a month. When I tell I don't have the money. They reply with "so your refusing to pay?" comments. One even told me "stop lying I know you make enough."

I am sick of this. I have no problem paying, but if I don't have it I don't have it. I am thinking about taking off a long large enought to pay off my one car (about $5000, so about $9000 with all the bills) and outstanding debts.

Any advice or insight to how I solve this?

2006-08-22 05:50:59 · 16 answers · asked by Anonymous

2006-08-22 04:31:47 · 1 answers · asked by karlaronbobby 1

I did 3 BTs on 8/16/06. How long will it be before the other cc companies get it? How do they do it by electronic or by mail? I did them over the phone when I got approved for a card?

1 more question...... One of my BT was sent to a wrong address, for instance it was sent to a inquiries address instead of the payment address, will it come back?

2006-08-22 02:11:23 · 5 answers · asked by tiannabooboo 3

what i mean is my credit is shot the only thing that is a constant are my student loans... i have three or four credit cards that did not have no more than a 500 dollar credit limit but i defaulted on all of them ( younger and dumber ) but it has been at least five years on all of them. but i am getting letters from debt collectors on these old debts saying that they want to settle.... but i was under the impression that once seven years pass you are free and clear should i settle or what?

2006-08-21 23:51:28 · 13 answers · asked by mzadw01 1

I am a doctor working in a reputed public sector company in Chandrapura,dist.Bokaro,Jharkhand.I have a bank account in SBI here ,besides a home in Kolkata,and accounts there.My salary is adequate for a credit card.Which bank /company will give me sa credit card?Billing address could also be my parent's address in Durgapur.

2006-08-21 22:55:24 · 6 answers · asked by Dr.Rajiv D 1

2006-08-21 21:29:42 · 11 answers · asked by J N 1

I already got my annual free credit report, so that won't work, and because of my bad credit I don't even have a checking account or a credit card to pay for it.

2006-08-21 19:46:59 · 10 answers · asked by little bitty pretty one 2

About a year ago, I called a internet company to cancel my internet. Well something must have happened and it never was done! I called the next time and they said that they could fix. Fast Forward.... I got a letter from a collection agency for an outstanding total that I should not have to pay, and no one will help me! What should I do? I don't have the name of the person that was susposed to fix it, and they never sent me a bill. How can I fix my credit?

2006-08-21 18:44:35 · 11 answers · asked by Anonymous

I hear people even dispute accounts that they are still responsible for. Now even I know there is no "Free Lunch" in America, so to speak.

2006-08-21 18:12:15 · 4 answers · asked by Anonymous