Credit - September 2006

The judgement was a repo I got when I retired because of illness. They got that car ,sold it , and sued me for the difference. I can't afford to pay them. I have another car , my only car, that will be paid off in Dec. 2007. Can they take that?

2006-09-03 03:17:36 · 4 answers · asked by sadie13 1

2006-09-03 02:47:41 · 16 answers · asked by gunnermoulton 1

2006-09-03 01:41:23 · 1 answers · asked by Atan 2

2006-09-03 01:09:22 · 14 answers · asked by any_anil3000 1

2006-09-02 21:34:03 · 1 answers · asked by Ran 1

2006-09-02 21:26:55 · 10 answers · asked by jvc 1

or how many points does it go down if you keep applying for credit being credit cards or store cards

2006-09-02 20:18:29 · 6 answers · asked by hooya 3

2006-09-02 20:01:28 · 10 answers · asked by Ameet D 2

I'm just starting out with establishing my credit. I tried to get store credit cards etc but every time they decline because I haven't a sufficient credit history, or references. How can i establish credit and is it true that a pre-paid credit card is a good way to start?

2006-09-02 17:41:30 · 17 answers · asked by onyxtour 1

I have been trying to get my money back out of these a*******. I call and cancel and they bill me some more. They don't send anything and then they charge you. They also try to enroll you in some program called Living Essentials where they also try to charge your credit card. I may have to cancel my card to get it to stop. I am just wondering if there are others out there who have been taken, too. This company needs to be shut down.

2006-09-02 15:54:51 · 2 answers · asked by nowurcooking75 2

I have a job and I want to start building good credit.

2006-09-02 15:49:15 · 5 answers · asked by keke 2

I have a tax lien that originally reported 10/96 and was paid 2/02. How long until it doesn't show at all on my credit report, as it's still giving me grief!!!
Also, I have a paid judgement from a car accident. How long until that no longer shows... if at all?

2006-09-02 15:32:48 · 5 answers · asked by angiejean74 1

2006-09-02 13:53:43 · 6 answers · asked by dlh20023 1

2006-09-02 13:20:54 · 4 answers · asked by vaslle 1

2006-09-02 12:36:42 · 16 answers · asked by md9963 1

Hello,
about 45 days ago i recived a call from a collection agency demanding 5k on a debt. He told me i need to pay this in 24 hours or else he will take it to court and go after everything i own. I recived a letter from a law firm demanding 5200 diffrent from the collection agency. I sent both outfits a letter validating, with orginal contracts signed, how everything it caculated ect and stop communicating me until these items are sent. these were certified. Just yesterday this same guy called from the collection agency telling me to pay in 24 hours or else he will contact the police and be in jail up to 3 months. I told him i sent him a letter, he said yes and you are not that smart so i am taking it to another level. I pulled up my credit i have a capital one card for 2500 charged off little over 5 years ago. my state has a 6 year SOL i just found out. Any suggestions

2006-09-02 12:19:51 · 6 answers · asked by nolan a 1

2006-09-02 11:52:52 · 17 answers · asked by alicialovely 1

bankruptcy timeline

2006-09-02 11:25:27 · 6 answers · asked by alicialovely 1

I'm wondering how this works? For instance, if you owe $2000, and the creditor settles for $1000, does the government consider the unpaid $1000 as income which you must pay taxes on?

2006-09-02 11:04:18 · 6 answers · asked by Anonymous

Have any of you went through major life changes which you financial debt, to the point where it was overwhelming? If so, what is the MAXIMUM amount of judgements that have been brought against you at one time, before you filed bankruptcy? 2? 3? 10? ect? How many times have you filed bankruptcy? Also, what is the maxium amount you were ever in debt at one point? $5000, $10,000, $20,000, or more? Creditors don't care if you had medical problems, or were in a coma for weeks. They just want their money. Thanks

2006-09-02 11:01:34 · 3 answers · asked by Anonymous

they are too many lenders that prey on people that have a low fica score by charging way to much of annual fee, intrest, etc., and in return just give them a credit limit of less than $200.00 to start. Thats not right, it should be at least $1,000 to prove they can handle it. The $200 will not cover the cost of the up front annual fee, etc. Give me a break......please!!!

2006-09-02 10:49:55 · 9 answers · asked by Anonymous

My husband and I filed Chapter 13 bankruptcy and it is to be discharged next year. When it is discharged we will have no debt except for my $25,000 student loan that we were not able to include. Our gross annual is $90k+ now and we have opened and maintained two $500 limit credit cards that have perfect payment history for over a year now.

What else should I be doing between now and then to qualify for a first time home loan once this is discharged? Approximately how much down payment should we be looking to save? Should we be looking to get our credit score be at a certain level considering the bad mark bankruptcy left? Any other tips? I sincerely want a home. We are responsible people who got into a mess because of a medical hardship. We are paying back debt and just hope to come out of this able to purchase our own house.

Thank you all for taking the time to answer. Any help is sincerely appreciated! :-)

2006-09-02 10:38:00 · 5 answers · asked by Anonymous

I am looking into applying to a store credit card, either Old Navy, Wal-Mart or both. My Fico score is 632....
Should I apply now or hold off?

2006-09-02 10:34:31 · 4 answers · asked by axelf57 1

2006-09-02 10:14:11 · 11 answers · asked by Anonymous

Should I apply now or hold off?

2006-09-02 10:12:17 · 9 answers · asked by axelf57 1

What I'm asking is: If you are poor and have an excellant payment history, never late on a credit card payment or house payment, etc., would you have as high of a credit score as someone who is 'well to do'? I'm not asking if a poor person could get a million dollar loan, I'm sure income is a factor there; I'm asking if their credit score would be the same, based on a perfect credit history. Please help me with an answer. Thank you.

2006-09-02 09:45:46 · 5 answers · asked by Doctor ~W. 5

I got a credit report today.My credit score is lower than what I expected.Apparently I owe someone $149. It doesn't say who I owe, it just gives a number under the account name and says I'm at least 120 days late.

2006-09-02 09:30:03 · 2 answers · asked by Anonymous

O.K. So, I'm over $14,000 in debt to a major credit card company. I always had good credit and payed my bills up until January of this year when I ran into horrible luck with my health and lost my job. No one will hire me because of my health and I'm being told I need to apply for disability, but I hate the thought of that.....so please don't say get a job.........I'm trying anything and everything and it's not working. I'm flat broke, borrowing money from a close friend to survive on. Bankruptcy and credit counseling are not options. I have zero income. My credit card company has written off my debt as a bad debt even though I was sending them $25 payments (it was something) up until May of this year. I guess that doesn't count for anything. The calls were non stop, but have now creased. I believe their collectiond dept or a 3rd party sent me something via UPS...no name..only an address but I refused it. I'm trying to avoid it, hoping it will just go away..prob not. Any advice? Thanks

2006-09-02 08:58:26 · 8 answers · asked by jax1962 2

They have become much more treacherous to Consumbers .
1.
By imposed intrest rates in excess of 30% on customers whoes only offense might be a late payment to another creditor .
2.
Reduced grace periods when new purchases are free of intrest . 3.
Lobbled successfully to Congress to weakenprotactions for , cardholders.
4.
Lookup in Consumers Report page15 to learn what you can do to protect yourselves . And call your Congressperson and complain about it ..

2006-09-02 08:48:56 · 15 answers · asked by Anonymous

2006-09-02 08:47:48 · 4 answers · asked by low1 1