Credit - August 2006

I am in the process of settling my debt. A collection agency which bought my account is charging more than double what I owed. Is this legal? How much can a collection agency legally charge? Please if you dont really know the answer to my question do not respond. I need to know the answer. Thanks

2006-08-21 15:40:06 · 6 answers · asked by mertz 1

I am in the process of settling my debt. A collection agency which bought my account is charging more than double what I owed. Is this legal? How much can a collection agency legally charge? Please if you dont really know the answer to my question do not respond. I need to know the answer. Thanks

2006-08-21 15:39:47 · 9 answers · asked by mertz 1

In their reasons they say that I have late payments and that my credit score is low. however, i have a service with experian ("the" credit agency they used) and their credit report didn't show that I had a late payments THUS Citi is lying to me

what should i do? I printed the credit report and even called Experian to verify that I don't have a late payment. BUT GET THIS CITI USED EXPERIAN TOO

2006-08-21 15:32:05 · 11 answers · asked by christiansareawesome 4

Why are people so mean when you ask a question about things they have made mistakes with. I don't think people need to get ragged on when they are going through a crisis. They are asking for advice not for someone to tell them how bad they are or how bad they handled there finances. THEY ALREADY KNOW THAT I GUARANTEE IT!!!!!!!!!!!!

2006-08-21 15:09:47 · 28 answers · asked by jodi_lynn_124 2

2006-08-21 15:08:10 · 11 answers · asked by arthur k 1

2006-08-21 14:39:12 · 7 answers · asked by yiddy5716 1

I file bankruptcy and it went through in January. I kept my car and I was told while the bankruptcy was going through I could turn it in without penalty if I wanted. Can I still turn it in now that my ruptcy has been processed without it going on my credit as something bad? Will they just take it back and be done with it?

2006-08-21 14:31:52 · 12 answers · asked by MiniMeme 2

Can a credit card company place a lien on a property which is homesteaded in Florida? I was contacted by a "lawyer" for the bank, and he told me they could place a lien on my house. Is this true?

2006-08-21 14:27:03 · 7 answers · asked by stellapena 1

I was not able to pay for the last 7 years due to not having enough money.

2006-08-21 14:12:50 · 34 answers · asked by Anonymous

Can anyone help us. We need to borrow $4500.00 asap. A family member has stolen much more from us but we need to go to court to recover it. In the mean time our bills are now behind. Can anyone please send us in the right direction. We would take a loan shark and accept the fees. We just don't want our credit to get bad. Please help us if you can. Thank you. You can also email threesenough5@yahoo.com

2006-08-21 13:24:06 · 5 answers · asked by Anonymous

while we were seperated the credit card company sent checks in the mail that would apply to the credit card, well, not knowing the account was already closed i spent about $1000.00. if the account was already closed and we never asked them to send the checks, and im not actually authorized to use those checks, can these charges be disputed by my husband not to pay them because he didnt actually use them, i did, not knowing i wasnt authorized to use them? its a capital one in ga.

2006-08-21 13:20:56 · 17 answers · asked by Anonymous

I have two credit Cards. I ask solo questions yesterday on the two companies, I have a Capital One Platinum Card, and 1st Finical Bank Master Card. and I'm think on whether to get rid of one.

My Capital one is Platinum, which offers added protection, but the interest in 20.30, which is pretty high. They also gave me a $2000 credit limit.

My 1st Financial Bank card has a interest of 16.50% and 0% on purchase under $250 dollars. But the credit limit I have with them in only $1000.

If you have any idea on which to keep let me know. If you have any experience with either company can you please give me your opinion on them and any other information yo think would be useful

2006-08-21 11:57:44 · 0 answers · asked by ArchAngel Raziel 3

I have a medical account in collections that i didn't know about.(I just checked my credit report). I had insurance at the time so i contacted my insurance agency to find out why they didn't pay. They said they had no knowledge of this claim, so we called (on 3 way)the collection agency to get a itemized bill. The refused to send my insurance anything what can i do. because i'm trying to fix my credit.

2006-08-21 11:55:01 · 6 answers · asked by pearliesmom 2

or do i just take it in the shop and they will cash it with out id..some info on this please

2006-08-21 11:34:45 · 20 answers · asked by whistleblower 3

I don't use them to extreme ( but I have in the past)--just can't give them up entirely (fear of emergency). And then they creep up. I only have two major credit cards and my plan is always to pay them off entirely each mo., but I never do. This makes me feel weak and stupid.
Do you have any advice or a story?

2006-08-21 11:27:40 · 5 answers · asked by myrmidon 2

2006-08-21 11:20:21 · 16 answers · asked by ? 6

Please where can i find a site where I can get my credit report score without having to give my credit card imformation. I don't feel comfortable doing so.

2006-08-21 11:13:12 · 4 answers · asked by kari 2

What will my credit report say? will it go back to a good score?

2006-08-21 11:09:14 · 6 answers · asked by shawn_0523 2

I am in need of a serious loan. I am 19 yrs old, so I don't have any credit! No payday loans.


Thanks

2006-08-21 11:04:47 · 6 answers · asked by unpredictable. 2

what exactly do they ask for when you go in, not just the bank statement and paycheck stub, but what information to they get form you?

2006-08-21 10:52:13 · 2 answers · asked by angelatheart 2

should I ask them for a paper in writing saying that once I pay the item off it will say paid on my credit report? And what if they give me a hard time about giving me the statement in writing is it the law that they give it to me in writing?

2006-08-21 10:26:04 · 8 answers · asked by unique 1

I have graduated from college and racked up bills judt to get me out of school (e.i. bought a computer,used creadit cards to buy books) and know i have a job and the credit hounds are looking for me so know i have to take out a loan to pay them back and also trying to clean up my credit while pay my student loans. with all of that said am i doing the right that and will this clean up my bad credit or do i need to do something else????

2006-08-21 10:09:03 · 4 answers · asked by lildevil60 2

Hi everyone. Im 19 going on 20, and I have 14 credit cards. For a long time my ex boyfriend was paying the minimums each month and now that we have been broken up for a long time, he no longer pays. Im just wondering if anyone knows what ends up happening once you can not pay the bills... Do they take your stuff? Can you go to jail? Anyone Please HELP!! ~Thanks

2006-08-21 08:50:34 · 13 answers · asked by Anonymous

2006-08-21 08:00:52 · 1 answers · asked by mfidzenyuywirdzelalendzefenmathi 1

My sister was contacted by a collection agency. They demaned payment of $200.00 immeditaly. She said she didn't have the money,nor a credit card,nor a checking account. The representive of thre collection agency said that they will then garnish her wages.She found out that the agency took out $100.00 from her check and will take out another hundred next check. Now ,when she had her wages garnished before, the collection agency set up a meeting at the courthouse and they came to an agreement on how much was going to be garnished from her check and the amout was for $2,000.00 not just $200.00. Is what the collection agency did leagle? If not what action can she take against the company. The bill was for a vist to the emergency room, and it was only 5 months old.

2006-08-21 08:00:48 · 6 answers · asked by pink hippo 1

2006-08-21 07:57:25 · 5 answers · asked by little bitty pretty one 2

i did not pay my cell phone bill because i was unhappy with the service, i did talk to them on the phone but they did not help me. does this will show up on my credit report? it is not on it right now. and it has been about 2 mts. they still bill me

2006-08-21 07:42:23 · 13 answers · asked by Eva Daniel Rn 4

2006-08-21 07:29:21 · 5 answers · asked by mserna01 1

I was just approved for an American Express Blue, the one with out any fees! Will it show Up on my credit report? People with experence form American Express can you give me your opinion. Rember this is Blue from american express and it is not suppose to have any fees.

Any and all help would be nice!

2006-08-21 06:20:49 · 10 answers · asked by Anonymous

My divorce decree gave ownership via quick claim deed to her, and states she will pay the mortgage. I am having trouble getting credit because my credit report show the loan in my name.

2006-08-21 06:10:47 · 14 answers · asked by vegaspaulfootball 1