Credit - September 2006

ive got medical bills that dont belong to me(i have insurance!!)...and some other BS that i have no clue what its from..ive tried calling the company listed..and they refuse to help..and they cant do anything/they give me an attitude..what can i do?

its ruining my credit! i need to build my credit to buy a home!..im thinking credit fraud? or is it just wrong doings on their ends...there medical bills from places ive never been!..could it be someone with the same name as i..?]

any suggestions on getting these gone? ive tried calling ..no luck..

i also need something to get me a FICO score..a loan or something..any suggestions?

2006-09-23 17:29:46 · 4 answers · asked by mommy2savannah51405 6

When I was 18 I got into trouble with too many credit cards and then collection for those cards. They have been paid off (or charged-off, as my report says) for over two years. Currently I have a mortgage and a few low-balance cards that I pay on time and there's nothing outstandingly wrong with my history for the past two years, but my credit score hasn't raised since I paid off all of the bad debt. Are there any ways to bring the score up?

2006-09-23 17:22:17 · 5 answers · asked by JavaGoddess 1

If so what was your experiance, I just did a looks over their "plans" and they seems a little too good to be true type.

https://www.careonecredit.com/

If they really do help them we might be able to work with them considering they accept money orders.

Also if they are a good company and you send the money order, will they accept MORE then what you owe? I know it is probably a dumb question, but if you have extra money and can send it, I want to be able to send it to probably get it paid off in LESS then 3 years as they say it is possible!

2006-09-23 16:12:51 · 2 answers · asked by Crazy Mama 5

my score is 520. can i get a first premier bank or orchard bank credit card?

2006-09-23 14:00:43 · 5 answers · asked by grundsty_83 1

She has about $20,000.00 in credit card debt. Most of the debt is medical related (prescription co-pays, deductibles), and some of the debt is very old.

2006-09-23 12:55:49 · 11 answers · asked by atticus1_2000 1

2006-09-23 12:34:50 · 6 answers · asked by lovelostboys 4

I have good credit, but I have 4 credit cards (retail accounts) that I don't use. I have one credit card through my bank that I do use occasionally. I have no debt. I have heard that closing my unused retail accounts would actually lower my credit score. Is this true? It thought closing them would help my credit, as it seems that people can be denied the best interest rates due to "a large number of retail accounts." Enlighten me please...

2006-09-23 12:08:58 · 8 answers · asked by justme 4

We are doing everything we can to avoid it but in case we have to in the next few month (husband is self emplyed, I make about 2k/month and we have 2 small kids), what are the downfalls? I know about the 7 years on the report but what if we own a house and cars? I don't plan on getting another credit card for a while.
We got in trouble in the first place by financing my husbands business with CCards and have now too many debts to repay.
Any insights woule be appreciated along with experiences.
Thanks

2006-09-23 11:44:08 · 10 answers · asked by ellasmom2 2

107 to my mastercard and 133 to my cable/telephone.Which would u pay.or how would u split the money so each get equally.

2006-09-23 10:51:58 · 16 answers · asked by covergirl1303 2

I had previously been sued by a credit card company and I paid off the majority of the balance. I was unable to work for over 2 years after a serious injury and when I was not working I was unable to pay. Now they are saying that I owe them 3 times the balance on my account and have placed a lien on my checking account for twice what they are saying the balance is. In the state of IL is it legal to do this?? I have just started back to work and offered to make a payment arrangement until I can do better. They will only accept full payment is what they told me. Would it be better to file bankruptcy or to just go ahead and pay ?? If so who do I pay the bank or the creditor? I do have other bills that will also need to be paid and I dont have much money to work with.

2006-09-23 10:47:51 · 8 answers · asked by dollie480 2

Supposedly personal information for over 2.5 million customers was lost, and Circuit recently notified its members. Also, the letter sent to customers mentions that First North American National Bank was the original issuer of credit for circuit city customers. However, that name doesn't sound familiar. To my knowledge it has always been Chase Bank. Any thoughts?

2006-09-23 10:13:29 · 4 answers · asked by invtork 1

Why does the number on the card change when they give you a new one?

2006-09-23 08:19:20 · 6 answers · asked by puffy dragon 2

umm my sister was applying 4 mastercard and in the application and they asked her for her joint account

2006-09-23 08:14:28 · 10 answers · asked by genesisrocks426 1

i had one credit card that i messed up and want to apply for another one however when i do it tells me that i'm not approved..what i s a credit card company that will approve credit for you if you have bad credit easily to start establishing good credit????

2006-09-23 08:03:38 · 4 answers · asked by Anonymous

I got a new credit card and I was wondering how i could avoid some of the mistakes my friends have done. To maintain an excellent credit history ( at least as far as credit cards are concerned) how much of my credit should i spend on a monthly basis? 10% or 50% or something in between? Thank you.

2006-09-23 07:43:42 · 9 answers · asked by Anonymous

I have purchased photo equipment from BH photo thru the internet. I did not recieve the merchandise which is lost or stolen. BH insist that this is my problem and not theirs.

2006-09-23 07:26:30 · 6 answers · asked by alikvar 1

2006-09-23 07:19:32 · 9 answers · asked by hanooneverywhere 2

when i say no credit i mean i have never established credit and i cant get a credit card does anybody no of any cards i can get?> or any kind of secured credit card? i bank at fifth third and they said they dont offer secured credit cards
?? any help?

2006-09-23 06:44:47 · 8 answers · asked by Anonymous

mixed up when I was in the hospital. 3 yrs later when I'm pretty much "back to normal" all of a sudden a garnishment shows up on my account. No warning, no letters, no nothing. True I've lived in different places when I was released from my 3month hospital stay (mainy my parents) so maybe the warnings got lost in the mail but, can they do this? Take legal action without a response from me noting that I've recieved their warnings? Anyway, moving from here on out: How long will it be on my credit report, can I get it expunged? can i pay bills off like no other to try and off set the damage? Will I ever be able to get that house, car, boat, whatever? Please help....WHAT CAN I DO!!!?!?!?!?

2006-09-23 06:27:20 · 7 answers · asked by CantBClever 2

I am wondering if our privacy can become any more in danger and just who gave these bureaus the right to invade our privacy any way?

2006-09-23 05:51:49 · 3 answers · asked by Ellie K 1

I have a problem with credit cards, and recently paid off a maxed out card with a VERY large credit limit with help from my parents. I would like to close the account so I can't use it again, but I've heard that this will have a negative effect on my credit rating. Is this true, and if so how much of a negative effect? I'm trying to weigh the risk of me caving and racking up more debt vs. the ultimate effect on my credit score for mortgage, care loan, student loan, etc. in the future.

2006-09-23 03:50:18 · 9 answers · asked by τεκνον θεου 5

when i applied for a loan, they told me there was a "fraud alert" on my credit report.

2006-09-23 01:17:42 · 5 answers · asked by joan i 1

on credit cards

2006-09-23 00:30:31 · 7 answers · asked by suresh b 1

2006-09-22 20:42:54 · 7 answers · asked by BlackPantherNightmare 2

2006-09-22 17:28:39 · 4 answers · asked by mushiplan 1

I am using a LOT of points tonight! LOL! Again on my fiance, some of the things on his credit says that they will drop off or continue until such and such month of such and such year. Does that mean that the creditor has until THEN to contact him to get the money and then they can't get it? If so would it be wise (probably not) to ignore some of them that drop off next year? Just wondering, he has QUITE A FEW that drop off next year, but they are low balances that I can probably work a payment plan with (if I can find a way to contact them) and have them taken care of.

Thanks for ALL your help tonight! I am off to bed to be SURE I will NOT ask ANYMORE questions! LOL!

2006-09-22 17:20:32 · 2 answers · asked by Crazy Mama 5

If you get help from one of those credit places where you are going to pay off all your bills but it is making ONE payment per month how does that LOOK on your CREDIT? My credit is already OK, not bad but not good, but I can get a house with it, and I want to make sure this isn't going to make is WORSE by using one of these people to help with my debt. It is just I am barely making it and I have a little girl and I want to see if they can help me with the debt and help me give my daughter a better life.

Also my fiance's credit is really bad so we will be using them or just filing bankruptcy for him because there is almost no hope for his (but we are still looking at options).

I honestly think that once we get rid of all of the credit card debt that we will be able to live HAPPY on the paychecks we get from Wal-Mart, but it is just getting to that point that is hard.

All in all, how will it look on MY credit to use the debt help?

2006-09-22 16:39:24 · 6 answers · asked by Crazy Mama 5

Just wondering in a SLIGHT chance if anyone has the number to the American Medical Collection Agency or AMCA. They recently turned my medical collections that I was paying them for LabCorp over to a new company and didn't report my last payment. I want to get a hold of them, I paid them $15 and still owed $5 and now the new company says I still owe $20. I tried talking to them about it but they just keep saying "Your balance is $20" and that I have to call AMCA. My paper for AMCA has disappeared and I figured I would ask here in the off chance that someone else has dealt with the same company and may have their number!

Thanks!

2006-09-22 16:09:39 · 1 answers · asked by Crazy Mama 5

can a debit card function like a credit card with paypal, can it function like a credit card and can i buy online with it internationally?

2006-09-22 16:03:45 · 11 answers · asked by john_angeles2001 2

Hello, i got a call from this nastly man today from NCO stating he owns a account i had with discover. He told me i must pay the balance or else he will sue me. The $ amount is 1000., then this jerk told me long as i have you on the phone you have another account with us from capital 1 for 2000. He then told me i have till the end of the day to pay off both of these, if i dont he has a local laywer ready to take me to court and this will cost you 7kPlus. He also told me he is going to try his best to get me for credit card fraud. both of these accounts were charged off back in 2000. I had some health issues. I dont have the 3k he wants know, can i get charged with fraud. i am worried.

2006-09-22 15:44:41 · 6 answers · asked by Anonymous