Credit - August 2006

2006-08-14 17:49:28 · 15 answers · asked by Marisa C 1

2006-08-14 16:47:19 · 6 answers · asked by Anonymous

Our son is preparing to marry a girl who owes about $3500 for medical care. It's been on the books for more than a year, she hasn't been able to pay anything on it, and she has elected not to respond to any collection efforts. He has worked hard to develop a good credit history, with the intent of purchasing a home someday soon. Will her poor history ruin his credit, and what recourse does he have to get this resolved before they marry? (He doesn't have the money to pay this bill off for her, but I'm not sure how much that would accomplish since she is already so far in arrears.)

2006-08-14 16:45:08 · 10 answers · asked by CassandraM 6

My mother recently received some insurance money and has offered to help me pay off my credit cards so I can start saving to buy a home. I have about $8000 in debt and I'd like to start saving immediately. Is it good for my credit score to pay off all my debt at one time, or should I do so gradually?

2006-08-14 16:19:52 · 13 answers · asked by CarolP 2

I have a loan that I want to get refinanced. The company is horrible. My credit isn't good and I am struggling to pay it. I need a lower interest rate. Can anyone suggest a place that might refinance me? I'm not a homeowner. But I do have job stability and make ok money. I am trying to clean up my credit and want to make good on this loan. Any suggestions would be greatly appreciated.

2006-08-14 16:09:42 · 8 answers · asked by Anonymous

I have a credit score of 580. I am getting a new mortgage and plan to pay off all my late bills, etc. Assuming I keep current on my home mortgage, how long will it take to get my credit score back up to a respectable level?

2006-08-14 15:23:54 · 6 answers · asked by Thomas L 1

2006-08-14 15:18:52 · 3 answers · asked by Anonymous

Oh, brother, I am having a heck of a time with these jerks at the collection agency.

I moved out of my apartment in June 04. I didn't call the power company to put the bills back in the apartment's name. I didn't know at the time that it was necessary. I was told by the collection agency that I owed the power bills for July, Aug, and Sept, and possibly Oct, they couldn't tell. They said I could have the apartment complex fax a copy of my old lease to them, and that would probably be a sufficient dispute. I called the apartment, they said they'd take care of it, but they never did. That was early July 06 when I first got the call from the collection agency about this charge that's 2 years old!

Today the agency called back and said that they never received the lease fax, and that my 30 day dispute period is up, and I now owe the money (140 bucks). Even if I proved I moved out, who is legally responsible to pay the bills? The apt would have kept the power on if it was vacant.

2006-08-14 14:36:24 · 8 answers · asked by Brianman3 3

Hey everyone,
Does anyone know specifically the criteria to aquire a Black Card? Please, I'm looking for a specific answer that you know is correct. I don't want a speculated answer. I have done extensive research on the web and now I'm looking for answers that people know are 100% certain. Thanks!

2006-08-14 14:35:38 · 3 answers · asked by Anonymous

My fiance and I are starting to make purchases for our wedding, and we have heard of people getting a credit card to make the wedding purchases and getting some kind of reward, cash back, bonus, or free airline miles.

Has anyone heard of this? Where should I look or how should I search to find out which one to go with? Thanks for your help!

:)

2006-08-14 13:52:48 · 6 answers · asked by ☼ lovethesun11 2

Should I continue to pay? The bank still has title to the car. The balance is maybe $5000, $232 a month, automatically debited from my checking account. Should I negotiate something with them, or get them to correctly report to the credit bureau that I have been paying the loan on time. Or does it make more sense to stop paying altogether. It's a 1998 Dodge van.

2006-08-14 13:26:30 · 5 answers · asked by Speedy 3

2006-08-14 13:08:07 · 8 answers · asked by A soldiers wife 4

2006-08-14 12:00:18 · 10 answers · asked by luckystar_469 1

Specifically, what factors go into it and how are they weighted?

For example, I heard that "credit utilization" accounts for 30%

2006-08-14 11:57:24 · 4 answers · asked by Ejsenstejn 2

My mother in law used our phone number to sign up for credit cards once upon a time. She has messed up and been unable to pay. She has resorted to a debt management program. THe calls are still coming to us (she doesn' t live with us..or even in the same state.) They are becoming harrassing . Even if I say she doesn't live here to stop calling, they say they won't stop until the debt is paid. What can I do? Besides changing my number....

2006-08-14 11:41:59 · 14 answers · asked by tuluulah 1

2006-08-14 11:08:51 · 29 answers · asked by Anonymous

your checking account based on only trust. All I can remember is 1-800 cash call does anyone else have more information on this ad. Please it would really be appreciated.

2006-08-14 10:08:53 · 1 answers · asked by BATISTA 4

American Express? Visa?

2006-08-14 09:46:29 · 13 answers · asked by Paul G 1

2006-08-14 09:29:00 · 16 answers · asked by Anonymous

2006-08-14 09:21:08 · 3 answers · asked by Anonymous

I have been paying off a debt to Lombard via Wescot. I've paid my instalments on time, but despite sending letters recorded delivery, they won't send me a balance. I don't want to phone 'cos I've heard they are really mean?!

2006-08-14 08:55:20 · 10 answers · asked by harpsyhoo 1

There use to be a law that said, if you send a collection agency
a few dollars a month, they can not take action against you, because you are trying to get them paid off, does anyone know of such a law.

2006-08-14 08:46:19 · 7 answers · asked by brown.gloria@yahoo.com 5

I want to learn about all the factors considered when a credit agency determines your credit score. I do not have any credit and would like to establish some credit. I do not have any bad credit either. I have already tried applying for a credit card, dell computer card, sams card, and have not been approved for anything.
I do not have any bills that are under my name. I was told by someone to go get a tv or something with no money down, but I do not need any of that. I also do not want to go get a loan and end up paying interest for no reason. I have seen several websites which give some info about this, but not enough. Can anyone give me any suggestions or recommend a book?

2006-08-14 08:33:40 · 9 answers · asked by David 2

Let's say, for instance, I have $100 due at month's end, and a $15 minimum payment. If I decided to pay off the $15 and defer the rest until next month (with interest I suppose, though I don't know for sure because I have always paid the full amount on time), would that adversely affect my credit rating?

2006-08-14 08:20:33 · 21 answers · asked by Anonymous

I never had Wells Fargo or Chase open a credit report when i got a checking account yet Citi ran one...can they legally do this?

2006-08-14 07:47:14 · 13 answers · asked by christiansareawesome 4

2006-08-14 07:38:47 · 11 answers · asked by vallopez2000 3

2006-08-14 05:58:01 · 4 answers · asked by dmdalton_71 1

2006-08-14 05:22:14 · 5 answers · asked by rick 1

2006-08-14 05:12:29 · 22 answers · asked by Robert B 2

and pay it off when you are out of school?

2006-08-14 04:46:26 · 7 answers · asked by Leeanne 1