Credit - August 2006

thanks in advance!

2006-08-01 19:33:24 · 9 answers · asked by minniemousemaru 2

I recently checked my credit scores and this is what came up...

Transunion: 503
Equifax: 459
Experian: 574

I have noticed numerous errors in all 3 reports but didn't think it was worth my time to fix... I'm beginning to think I was wrong.

Is it normal for there to be such a large descrepancy in scores? what suggestions can you give me to make this go up.

If you check out this post of mine http://answers.yahoo.com/question/index;_ylt=A9FJuifuQNBEjykB.wDsy6IX?qid=20060801220502AA4k8nY
you'll see my intentions. I'm thinking I'm screwed. Any hope out there?

Thanks.

2006-08-01 19:07:43 · 5 answers · asked by mash220202 2

I had an unpaid balance on an account which i paid in full, and I have a letter from the creditor (dated a year back) indicating that the account has a zero balance. However, my credit report still shows that account having an unpaid balance.

a) How do i get incorrect information off my credit record.
b) Does a creditor have a legal responsibility to update the credit record with a zero balance if they had earlier reported an unpaid balance ? If so, does the law require the creditor to do this within a certain time period?
b) What are my rights with respect to the creditor in this case?

2006-08-01 18:01:04 · 9 answers · asked by cor2madera 1

Can taking out a large personal loan of between 5-8000 dollars have any effect on your credit score?

2006-08-01 16:04:03 · 8 answers · asked by justellemJimsaidhello 1

I need to know which state's law apply. I incurred many debts when I was living in Illinois. Now, I live in Ohio.

2006-08-01 15:25:04 · 18 answers · asked by lu_consulting1993 1

I will be graduating in December and getting a better paying job. I'm wanting to trade my car in. The thing is that I have very poor credit. I am wanting to get a Mercedez Benz. Now I know you are thinking that is very far fetched to want somthing that expensive with bad credit. I know and understand. But I will be able to afford it. I hate it that my credit is so bad. I had to make lots of sacrafices going to school. Now that I am back on my feet again I want to try and better things. Is there any way I can get the car of my dreams with having bad credit and not having a cosigner? What if I had $6-7 thousand dollars to put down on the vehicle? Would they say okay, but with a high intrest rate? How much would I have to put down in order for them to finance me with bad credit? Thanks

2006-08-01 15:14:53 · 19 answers · asked by mistypisces 2

Im curious and just wonder how banks look at credit risk when they see that you have cosigned for someone?

2006-08-01 14:45:47 · 5 answers · asked by blackgenius 1

I keep getting letters from Companys that i ow money to Eg Littlewoods account / Egg Card / Capital one Ect / This has been going on months will they take me to court as they send me a letter saying its my last warning ect , Anyone been in this sitution and knows what happens ? let me know

2006-08-01 13:50:28 · 17 answers · asked by Anonymous

will all items i bought will be shown on my credit card bill? and will all the details like the name shown on the bill? i am new to my credit card, i am using mastercard and i havent receive the bill yet so i am wondering when will i get it?

2006-08-01 12:58:41 · 9 answers · asked by Anonymous

If I contact my creditor, they will find out how to sue me. If I don't the interests will add up? How can I negotiate with my creditors without taking any risks. What negotiation terms should I ask for?

2006-08-01 12:42:53 · 6 answers · asked by lu_consulting1993 1

I don not want to give my debit or credit card, I want an absolutely free site, where I can get my credit score. Thanks.

2006-08-01 11:51:05 · 12 answers · asked by Anonymous

2006-08-01 11:42:37 · 6 answers · asked by m_l_z_c 2

2006-08-01 11:32:37 · 8 answers · asked by johnathan v 1

Hello,
I just got a call from a nasty little man telling i owe 7K for an car loan that i co-signed. My X bought a car 6 years ago, shortly after that i got away from him forgetting about that loan. My husband call this guys office and told him to stop calling here, go after Tom (my X) and repo his car. The collector told my husband it already has been and he was here to collect the balance and if it dose not get satisified by the end of the week he will file a law suit. What can we do!

2006-08-01 11:23:15 · 5 answers · asked by Anonymous

Credit Repair

2006-08-01 10:53:22 · 4 answers · asked by lecter098 2

I mean Free for real.

2006-08-01 10:52:37 · 5 answers · asked by Sailor 2

My friend threw away the sticker that came with it.
I tried calling capital one but it is imposible to talk to a person.

2006-08-01 10:26:44 · 3 answers · asked by Babe 1

Does it mean that I have to pay for each purchase within 20 days of the purchase or within 20 days of the due date? It makes no sense...please help and thanks!

2006-08-01 10:18:37 · 6 answers · asked by Queen Nefertiti 3

My husband has bad credit and wants me to add him as a user on my Visa credit card. He wants to do this to help improve his score but I am afraid it will ruin mine.

2006-08-01 09:59:07 · 7 answers · asked by sunflowers 4

positive credit that i would get in making minimum payments ?

2006-08-01 09:52:59 · 24 answers · asked by Anonymous

1) Should I make small purchases lets say 100$ a month and
pay it off in full upon billing ?
2) pay full balance before i recieve my bill ?
3) make the minimum payment only ?

2006-08-01 09:48:44 · 15 answers · asked by Anonymous

Can they repo your things even though you are paying something? Even if its not the amount they want?

2006-08-01 09:37:40 · 13 answers · asked by Anonymous

Late on rent-landlords are asking me to leave on the 15th and then after find new tenents and show the place and pay for every month it is not rented with late fees and interest. I am breaking a contract 2 yr lease at one year in, they are getting ugly about it but situations have occured that are out of my control. They are not synpathetic. What should I do? They want me to sign a contract stating I agree to all this or I have to be out today!

2006-08-01 09:25:06 · 29 answers · asked by Anonymous

2006-08-01 09:19:22 · 3 answers · asked by taw06 2

2006-08-01 08:44:04 · 4 answers · asked by vianey4503 1

I've transferred balances from other credit cards to one with a lower interest rate several times. I notice on my statement, it lists them separately, along with the interest rate, but from month to month, sometimes one balance will be more than the last month or it may be less. My questions is, how is my payment distributed? How do they determine which balance is paid off first and why do the amounts fluctuate so that it almost seems as if my payment is not making a dent in either balance, although my overall balance is less? Make sense?

2006-08-01 08:16:29 · 5 answers · asked by 07october 2

which agency do i need to contact and their address

2006-08-01 07:53:46 · 7 answers · asked by tollytina 1

I have negative accounts on my credit report that have already been resolved. Does anyone know a "for sure" way to remove them permanently without having to wait for 7 years to go bye??

2006-08-01 07:51:15 · 3 answers · asked by Dee Dee 1

2006-08-01 07:22:36 · 4 answers · asked by jfpw31 1

has anyone done this and recieved the loan?

2006-08-01 07:20:38 · 38 answers · asked by MICHELLE K 1