Credit - August 2006

today i recive a letter saying that i had won some money.in this letter there was a check. i took the check to a bank.and had them check it out.the banker told me after calling around that the check was a fraud check.if i had put it in my account they would have took there money and any money i had in my account.so how do it get them for fraud.

2006-08-11 12:41:22 · 5 answers · asked by Anonymous

...and can you sue them for harrassment?

2006-08-11 12:11:30 · 6 answers · asked by Anonymous

hey i just turned 19 years old and i was wondering if a 620 credit score was good for someone of my age.... i have 2 credit cards that i use only 2 or 3 times a week and i pay them off every month when i recieve the statement and on my credit report it shows that the accounts are all in good standing, and are never late. So is my score typical and is my score to low to get a gas credit card?

2006-08-11 11:47:08 · 6 answers · asked by foulclowns 1

2006-08-11 11:47:01 · 4 answers · asked by pleasant 5

2006-08-11 10:43:43 · 1 answers · asked by rosebud 1

Never had an account with them. never heard of such charges .until they came to my door. and gave me some papers for court.Tried calling them but they don't want to talk to me.. They say it took them forever to find me..now they sug.I get a lawyer. We been in the same addrees for 10yr. Always try to pay cash..don't use credit cards..we own all our cars.. please we need advise..

2006-08-11 10:29:38 · 12 answers · asked by Angie29 3

I had a medical bill that I thought had been payed. Apparently, it's been on my credit report for 6 years with a collection agency and I never knew about it. Should I try to pay off the debt with the collection agency now, or just wait one more year for it to fall off?

2006-08-11 10:12:16 · 6 answers · asked by slu_girl2004 1

THEY ALWAYS ASK FOR YOUR CREDIT CARD INFO FOR THE $1.00 DOLLAR FEE THAT THEY CHARGE BUT THEY'VE ALREADY TELL THAT ITS FREE SO IS THERE REALLY A WAY TO VIEW YOUR CREDIT SCORE FOR FREE

2006-08-11 09:40:32 · 8 answers · asked by Anonymous

based on a wrong balance or financial hardship. This is for a car "voluntary surrender". Orig price 12000, I made 5600 in payments, they sold under book value for 4600. I was 3wks late on a payment from stipulation. they got judgement for 10,000. did not give me creit for $700 of payments. wages being garnished. If I Paid the 10k they will have recieved 21,000 for a 12k car. if this legal. Went through Ford Fairlane credit.
If u can go back to court for this ...where might I find the forms. new york State

2006-08-11 08:30:14 · 2 answers · asked by michelle m 2

I have an unpaid credit card from about 5 years ago. I was very irresponsible then, but now, I don't know which credit card it was or how to contact them. Does it ever go away and if so, how long. I've heard 7 years, but I'm not sure.

2006-08-11 08:00:32 · 10 answers · asked by Anonymous

the amt owed is always a different number (I'm supposing tacked on fees etc...). Initially the debts were about $3000 on each card ...now they are showing up 6 and 7000. From what i can tell there are 2 collection agencies trying to collect on the same debt on one of them. i have never responded to any of the agencies in any matter. My credit report is skewed with inaccuracies based on these credit agencies. ie....the dates show up as when the agency takes on the debt., amounts vary etc... The question is what to do. I was going through a tough time...divorce etc...but i am now in a position to pay off everything.

2006-08-11 07:20:42 · 9 answers · asked by ms.takes 1

Can someone please tell me why I read on here that when buying a house they should not pull you and your spouses credit together??? My credit is better then his but he makes like 4 times the amount that I do. So in order to get this house that I found we need his income on the loan????

2006-08-11 07:08:38 · 3 answers · asked by jodi_lynn_124 2

I'm receiving collection letters under a variation of my name for accounts stemming from unpaid balances for BMG/Columia House music and DVD clubs. They don't have the correct spelling of my name though, should I worry and take their threats of reporting me seriously?

2006-08-11 06:12:50 · 6 answers · asked by larceny'sghost 2

Does that mean that your credit score went up or you are just a good customer? Thanks

2006-08-11 05:25:50 · 12 answers · asked by Anonymous

I know the Fair Debt Collection Practices Act only applies to third-party debt collectors, but can I still use the statute of limitations defense to tell an original creditor that they are wasting their time trying to collect an old debt?

2006-08-11 05:07:35 · 4 answers · asked by newtobigd78 4

I called cap 1 yesterday. I just opened my new card on July16th. I wanted to know why i didnt recieve an invoice yet. She said I don't have to pay until september 16th. BUT when i asked her when interest would start accruing on my charges (my first purchase was on july 20th) she said 25 days from july 20th. Please explain to me if i need to plan on paying in full each month i would need to monitor each and every purchase to make sure i paid them each off within 25 days to avoid interest charges. I'm so confused! please help

2006-08-11 03:40:48 · 3 answers · asked by Queen Nefertiti 3

i am looking to buy a house the house is £172000 and i need £18000 any idear.

2006-08-11 03:35:05 · 10 answers · asked by give up 1

The way i see it is if you can't afford it in the 1st place you don't get it.
And people wonder why they are in debt.
I don't get it.
Please explain.

2006-08-11 00:19:27 · 18 answers · asked by ♪ GOTH CHICK♫ 3

been to lots of banks and they keep saying no. I need a bank account

2006-08-11 00:10:29 · 22 answers · asked by Steve & Tracy 2

Just finished school, and right now i cant pay all my bills, my credit sucks, and not sure what i should do. Is it better to do debt settlement, or bankruptcy, or just like the bills continue to go unpaid until i get a real job and just have the creditor calling me every day?

2006-08-10 23:21:37 · 10 answers · asked by jeffman79 1

I have about 30,000 on my mbna loan. And from what i've been reading about mbna, is that they do shady business deals. They say 14% and you get 20%. they suck.. are there any other people out there with some of the same problems?

2006-08-10 21:53:11 · 2 answers · asked by mrT 2

I was wondering if anyone knew if I can purchase an order online using my giftcard made by mastercard. It is like a creditcard with the creditcard numbers but it is a giftcard. Please Help. Thanks.

2006-08-10 20:27:04 · 3 answers · asked by es 1

2006-08-10 19:25:36 · 3 answers · asked by Keshav Madhav 3

I had just turned 18 a few months, ago but when i chose to sign up for a credit card tonight at 2 locations..
www.newegg.com and
www.officemax.com
i was declined with this message "LIMITED SATISFACTORY CREDIT HISTORY"

I'm trying to understand what exactly that means, i have 2 bank accounts all good, no problems, and no credit cards.. How can i establish good credit if i cannot even get a credit card?

Or do you know of any sites or stores that have a near 100% approval

2006-08-10 18:51:38 · 11 answers · asked by Project EX 3

How can I build up credit? I've never had a credit card, closest thing to it is my debit card. Help please.

2006-08-10 17:59:49 · 19 answers · asked by pinkbunnylol 3

Also i want it to have a good limit..NO annual fee............and also am curious to exactly what a finance charge is... they all say $1.........if i pay off the balance every month that wont take effect right..........and what kinda apr should be acceptable for me to take... is 8.99% good enough.. jus some info cause i want to build my credit

2006-08-10 17:53:42 · 5 answers · asked by SuperStation 1

I want to build up my credit , is there any thing that i can get to start building my credit? Like a credit card or a gas card? I would love to hear your answers !!

2006-08-10 17:23:19 · 10 answers · asked by dandyrandy20042005 1

I posted a question last week that I recieved very good responses on. The problem now is my mom went to a Bankruptcy Lawyer to get information on filing bankruptcy. I asked the lawyer when I was there about my Capitol One credit card bill for $3000+ she claims there is no statue of limitations on sueing and garnishing wages. Especially when companies buy your debt from them. They can try and take you to court at anytime. Is this actually true??? Also she says that even though I'm paying money on certain debts if its not what the debtor's want from you they can still garnish your wages for more. I'm major confused. Here was my origional question....

http://answers.yahoo.com/question/index;_ylt=AvGUSkGvrEVnd4I85ChKTEDsy6IX?qid=20060805064253AA8ZlxO

I'm at the point where I'm going to declare bankruptcy in January if they can go after me. I already have over $10,000 in debts and am 29 years old so I can recover from it.

2006-08-10 17:05:19 · 6 answers · asked by slytherin_95 4

I went through a bad divorce, and it destroyed my credit. I have been rebuilding it for some time. I currently have a student loan very current and have an auto loan with a perfect payment record. My score was at won time down to 430, and I currently am up to 575. I am looking to get a credit card to use monthly and pay off each month in order to further rebuild, but it seems that every company out there is a credit card pirate company. I would even not mind opening a secured account, but the fees for so many of these companies are just ridiculous.

Does anyone know of a unsecured or secured credit card company to recommend?

2006-08-10 16:33:52 · 10 answers · asked by bjmarchini 2

Is It Advisable To Have Two Cradit Cards At The Same Time? I Plan On Doing So

2006-08-10 16:21:12 · 15 answers · asked by pamens88 1