Credit - August 2006

2006-08-05 16:16:23 · 4 answers · asked by Curious 2

I have my mom to co sign on me on an auto loan. But because of my good income I think it would be better if I just get added as an authorized user to her credit cards and I go and apply for the auto loan.

How do I work out getting all of her credit history. Just get added and her history from the credit cards goes on my credit report correct? Fill me in please. Thanks

2006-08-05 16:06:23 · 5 answers · asked by jacob23637 1

2006-08-05 15:44:34 · 4 answers · asked by kiddmack 1

I've been a loyal customer to this card company for three years, i have never been in default on anything (that includes other accounts, rent etc.) in my life, i always pay over the minimum balance and i have a good credit score, but everytime i call the company to ask to lower it they say they can only go down like one point. The apr is 21% fixed, isn't that high?

2006-08-05 15:18:14 · 9 answers · asked by Anonymous

How exclusive really is the American Express Platinum Card? It costs $300 a year in annual fee and requires $50K-$60K in annual income to apply. Is it worth it? Any personal story to share?

PS: I am talking about the charge card, not the platinum credit card.

2006-08-05 14:16:06 · 7 answers · asked by Anonymous

2006-08-05 13:09:45 · 7 answers · asked by alex m 1

If they can, How can I get out of it?

2006-08-05 12:48:20 · 9 answers · asked by nobody 2

2006-08-05 12:21:04 · 13 answers · asked by Anonymous

2006-08-05 11:47:54 · 9 answers · asked by Kristin K 1

I'm trying to close out my credit card account! The rep gave me the balance of my account & I send the payment in before the due date! Low & behold I got a statement that I still owe 27.50 which was interest added to my note (they called it rolling interest). If I pay that amount will that close the account?
No wonder people with credit cards never will get out of debt! Help.....I'm getting deeper in debt!!!!!

2006-08-05 11:35:12 · 6 answers · asked by johnnybgoodpromise 2

2006-08-05 11:31:31 · 3 answers · asked by Anonymous

I bought a book from a merchant on Amazon, and they erroneously sent me two instead of one. I sent it back and they say they've never received it and are threatening to report me to the credit bureaus. I don't have an account with them, I paid by credit card. How can they do this? Is it even legal?

2006-08-05 11:11:22 · 2 answers · asked by disgruntled 2

some type of credit. How do I check to see if someone is committing identity theft? I would like to resolve this before I turn 18 so that my credit won't be scarred for life.

2006-08-05 11:00:58 · 18 answers · asked by minnie_mickey07 2

I’m worried about giving my credit card details over the InterNet to buy things (not porn). I’ve heard that if one’s credit card details get into the wrong hands one’s liability is not limited by the credit limit on the card but someone could keep making debits even if I cancelled the card. My father says Amazon is safe. I’ve heard that Paypal isn’t. What about a debit card? I’m looking for something where I have limited liability of fraud.

2006-08-05 10:27:21 · 8 answers · asked by antony272b2 3

Has anyone evr dealt with the National Credit Counsellors Of Canada Inc. before. If so has your experience been good or bad any feedback would be greatly appreciated.

2006-08-05 09:25:23 · 6 answers · asked by amanda b 3

is this going to completely ruin my credit?! how many months will it take to bring those points that i may have dropped back up?

2006-08-05 09:13:47 · 7 answers · asked by toolate 3

2006-08-05 08:43:16 · 5 answers · asked by ragib 1

if the credit card was closed more than four years ago and the creditor has not contact me, do i still have to pay it? I belive the statu of limitations to repay credit cards in TX is 4 years. What about if they sent me a settlement letter?

2006-08-05 07:57:39 · 10 answers · asked by redpatton 2

A company put on my credit report that I didn't pay a bill; however, I did pay it. I called the company and they told me they would have it removed off my credit report within thrity days. Well, thirty days goes by and it still wasn't removed. I called transunion and disputed the information, and gave them the name of the person who told me that they would remove it off my report. About a month later I got an updated credit report, but instead of it being deleted they only updated it as paid. I called the company back up and spoke to the same manager I did before. She told me that she would write them a letter to have it removed. Thrity days later it is still on there. I dispute it again and all I get is a letter saying that it has been verified, and it is not only on transunion, but equifax as well.

2006-08-05 07:36:55 · 12 answers · asked by Nick P 2

i want to see what my credir score is, but i don't have a credit card at the moment, all the credit score places asks for a credit card number??? anybody have any websites where i can get a free credit report that doesn't require a credit number!!! please help!!

2006-08-05 07:03:56 · 4 answers · asked by kayla 2

Okay here is the deal.... we had a credit card that we only charged our monthly cell phone payment to (it was charged auto) we would pay the $55 balance on the card each month in full.

Well a few months ago we get a note from the cell company stating the card keeps getting denied, after calling the Visa card co. they say we declared bankrupcty. NO WE DIDNOT!!! We have perfect credit and all accounts are paid in full. After playing the hold on game they come back with 'ohhh we will take care of this' they didn't say their mistake BUT having never declared bankruptcy we know it's their mistake. Now after pulling our credit report it states this "Ch 7 bankruptcy discharged"
it looks like we declraed bankruptcy. What does this mean how does this affect my credit now? What can I do to prove they did us wrong and made a mistake? I did cancel the card immediatly after because they are idiots.
Please answer only if you have experience w/these things. THANKS

2006-08-05 06:41:50 · 6 answers · asked by MaryJaneD 5

I am trying to get my credit in good standing and I dont have any credit cards right now. I dont want to go applying for everything because that will look bad on my report.

I was told that a secured card will help me build up my credit
Is that true?
Are there easier ways to go about this task?

2006-08-05 06:40:46 · 9 answers · asked by mocha 2

2006-08-05 05:33:52 · 23 answers · asked by Les 1

...My credit rating has been going continually down, according to my credit monitoring service. It is now only rated as "fair".

I only make credit card purchases when I have enough money in my bank account to pay the bill in whole when the bill arrives, and that is exactly what I do.

I use my cards to buy things on the Internet (usually quite small in amount), and occasionally to make large purchases such as airline tickets (twice in last two years) - for several thousand dollars.

One of my friends told me that making large purchases and always paying the balance in whole is bad - I am supposed to only make the minimum payment every month to have a good credit rating. This makes no sense to me. I would think that paying the balance as quickly as possible would be an indication of responsible financial behaviour and therefore I would be a lower credit risk with improving credit ratings.

Are there any credit card or bank employees out there who can explain this? Thanks.

2006-08-05 04:44:36 · 12 answers · asked by Anonymous

mine is bank of america

2006-08-05 04:43:54 · 6 answers · asked by Anonymous

2006-08-05 04:43:41 · 1 answers · asked by sherry h 1

do anyone know, a good site where i can find my credit score free and you don't a credit card?

thanks

2006-08-05 04:33:06 · 5 answers · asked by k b 1

I'm a college student going through my first pregnancy and the bills seem overwhelming. I sorted out a personal payment plan for myself a little too late 2 of the 8 accounts are in collections. I've managed to widdle them down and should be done paying within the month. Will paying the accounts off give my credit a bit of a boost? (those 2 are the only ones one my credit report)

2006-08-05 04:07:16 · 6 answers · asked by I Shouldn't Have 2

Please, I need 1000,00 Euros to pay my University, If you help me, I will pay you as soon as possible. Or you can visit Portugal and stay at my home. To help me, send me a message and I will give you my paypall account. Thank you very much indeed.

2006-08-05 04:06:23 · 4 answers · asked by poorhuman40 1

Please, I need 1000,00 Euros to pay my University, If you help me, I will pay you as soon as possible. Or you can visit Portugal and stay at my home. To help me, send me a message and I will give you my paypall account. Thank you very much indeed.

2006-08-05 04:05:38 · 2 answers · asked by poorhuman40 1