Credit - October 2006

I was just approved for a $15,000 loan but I want to make sure it's not a scam. I have 45 minutes before the guy calls me back. Has anyone ever got a REAL loan for atleast this much? I think mine is from Citi.....

2006-10-25 09:56:11 · 7 answers · asked by Momma Jette 4

I have 2 payments to my lender that were 31 days late (30+ gets reported). I have tried talking to managers on the phone, writing a professional letter, and offering to guarantee that I refinance my loan with them when my interest rate fixed period ends in a year, and they simply refuse to help me. I am trying to get a home equity line of credit to do some home repairs, and I am finding it nealy impossible to do so with 2 recent mortgage lates. My LTV of over 90% doesn't help things, but if I could get those 2 lates removed, I'd qualify for loans that go up to 100% LTV. If anyone has any ideas or suggestions as to what I can do to try and get those lates removed, I'd greatly appreciate it. Thank you, in advance, very much for your time.

2006-10-25 09:21:09 · 6 answers · asked by duvie16 1

I need to get a short term loan, possibly a pay day loan for at least $800.00. However, I would need longer than the standard two weeks to pay it back. Is there anywhere I could borrow $800 and pay it back over a 12 month period or at the very least have longer than two weeks to pay it back?

2006-10-25 09:18:15 · 8 answers · asked by strawberriesilove 2

2006-10-25 09:15:35 · 6 answers · asked by swca 1

I'm still a minor , and I'm just curious , Dealing with credit cards ( from what i've read ) Seem's rather difficult and annoying , So do we really need credit cards now a days?

2006-10-25 08:50:06 · 12 answers · asked by Anonymous

First time dealing with credit cards need as much info as possible.

2006-10-25 07:46:16 · 4 answers · asked by dasnatch20 1

Guy in question has the Bank asking questions regarding income vs. job. He owns several buildings to which he receives Gov't stipen for letting homeless people reside - hence, generating more income than his Grocery store clerk would make. Don't known if back taxes, or property taxes, liens, etc., are involved, but don't want to inherit those financial burdens by accepting this temporary transfer of property. I believe I should have an agreement in Writing stating his and my intentions, as well as Not being legally responsible for debt incurred in past, or, during the transfer period. Do I need a lawyer, or, can a Notary just do a Deposition between us? I don't want to ruin my credit by helping out a friend - which he asked me if I have good credit.

2006-10-25 06:51:43 · 8 answers · asked by cachae777 1

2006-10-25 06:28:42 · 4 answers · asked by cherquekz_222 1

June of this year i got a creditior calling me up and demanding 2k from me now. I asked what is it for he told me it was a capital 1 account open 7 years ago. I told him i dont recall that and i am going to have to look into it. He then told me i have till the end of the day to respond/then he is going to have to go ahead with suing me. Then he told me once he dose that he will get my county sheriff to come out and sell things of mine to satisify that 2k plus fees, about another 2k. I went to my lawer asap, we pulled a credit report, showed it charged off on june 2001. My laywer then sent this company a validation of debt with charges/payments and the signed portion of the document. 2 months have gone by nothing, my lawer sent out another one. all of these were certified and have been noted recived. Last week i recived a court summons for this, i tried to contact my lawer he is out of the county till 11/13/06 and the trial date is 11/7/06 any one been through this?

2006-10-25 06:26:55 · 10 answers · asked by tim w 1

I am going through some rough times can't pay the credit card bills...anyway when I use my phone to call someone it's like they all call right after I get off the phone..>Does anyone know if they have a way of knowing or is it just coincedence??? I'd rather not be lectured about money..thanks

2006-10-25 06:19:12 · 5 answers · asked by snuggles24_04 3

2006-10-25 06:07:18 · 2 answers · asked by Anonymous

2006-10-25 06:05:12 · 7 answers · asked by Margaret S 1

I want to buy a LCD TV and was wondering what is the best way (besides paying it all up front) to pay for it? Would I get a credit card and pay it off like after 6 months? How can I do this without paying extra?

2006-10-25 06:03:13 · 6 answers · asked by hyawatha15 3

how many times can you apply for a credit card with the same compnay?

2006-10-25 05:52:02 · 4 answers · asked by tlnay025 3

I'm attempting my first EastBay.com purchase but I need some information first. :) Thank you for everything. :)

2006-10-25 05:04:09 · 1 answers · asked by somefilename 2

I have moved out several months ago, and the apartment complex is attempting to charge me for what they claim is water damage to the carpet. However the damage was done by their cleaning crew when they came in to wet vac the carpet. When they finished, there was a bleached out section where they had cleaned. Is there a way to dispute this charge, before this is placed on my credit report? Should I utilize small claims court to dispute the charge?

2006-10-25 05:03:35 · 7 answers · asked by gbshabo 2

Ive alway wanted an American Express Card
I use to be an authorize user on my mothers account(piggy backing) any way once my mother closed her account i had to give mines up. Now the thing is I just recently brought a 2 unit building. My sister and friends been telling me that once it shows on my credit file that im a home owner im going to be getting invites from high replica creditors is that true. I purchased my building in Aug. 06 and still haven't got an invite yet I do know My buildind purchase is not yet on my report. Can someone help

2006-10-25 03:36:14 · 8 answers · asked by LATANYA N 2

Does the business still keep the payment (the transaction was already done) and/or just a flag or mark on their record by the credit card company. Does anything get flagged on our credit report? We have had some very bad luck with a photographer we worked with and considering this an option.

2006-10-25 03:30:53 · 3 answers · asked by dankloep 2

or what would you do?

2006-10-25 03:11:43 · 27 answers · asked by Anonymous

I haven't paid none of my credit cards for the past 6 years, they all are in collection agencies with tripple the amount I owned to begin with. Now, I finally got a good job and I'm not sure If I should start paying these outrageous amounts or if there is a law that I can erase all this debt. What can I do??

2006-10-25 02:49:57 · 12 answers · asked by Nina G 1

My friend wants me to cosign a car loan for him. He doesn't have credit, I do. I am worried about what will happen if he doesn't pay. I know that I would have to pay if he doesn't, but what can I do? Will his credit score be affected if he does not pay but I do pay?

Please give me some tips or advice. Thanks.

2006-10-25 02:26:04 · 17 answers · asked by Dave 2

Do different credit inquires look at a specific credit company or they look at all three to determine your score. Why are there minor differences between the three reports one has my gas company account and the other two don't.
Ex. 6 years ago I took a car loan, when they check my credit they told me I had child support which it was not true. I checked my credit report from one of the credit companies (because I did not know there were three) and It was not there so I figured it was a mistake since my dad had they same name as I do and he was paying child support. 5 years later I came to realize that it was on my Transunion report so I took the necesary steps to take it out. Why is this?

2006-10-24 23:43:26 · 6 answers · asked by JAG 1

2006-10-24 23:37:43 · 5 answers · asked by maya91@btinternet.com 1

2006-10-24 22:24:20 · 10 answers · asked by debbie 1

im from phil. working in Dubai... i was always thinking of an idea of how can i save??? my salary is more than enough but i can't resist when my father and other family members ask for a help regarding financial prob. and after i knew it, nothing left for me.

2006-10-24 21:58:43 · 9 answers · asked by she 2

2006-10-24 19:37:27 · 9 answers · asked by Chief Slapaho 2

2006-10-24 18:58:46 · 7 answers · asked by justwondering 1

I moved to Maryland from NY about 2 years ago, little did I know FCNB was suing me for an old credit card debt I had. The debt is about 5 years old and sometime after 2 years (when I was broke) the letters and bills stopped now they are trying to seize my bank account (an old acct I even forgot I had!), this is the first time Ive heard from them in about 3 years is there anything I can do without having to get a lawyer. Also I tried to contact the collection agency but they will not talk to me unless I give them my employment info which I dont dare do I think they will try and garnish my wages. I can afford to pay the debt now but not all in one shot, anyone know what I can do?

2006-10-24 17:39:10 · 9 answers · asked by Anonymous

just finished paying everything off on my credit report, how long will it take for the credit brearu to update my file. If I had 13 things on my credit report how many points will my credit score go up, not that my debts are paid?

2006-10-24 16:58:20 · 6 answers · asked by LaLa23 1

I currently have 3 credit cards (excluding cards from stores) with credit limit of $6,300, $4000, and $2000. The first card has a $2000 balance on it, and the other two cards have $0 balance. Since the first card and second card have 0%APR, i only paid $700-800 every months and put the rest of the money into saving.

My question is, if i raise my credit limit, will it help or hurt my credit score? (my current score is 740)

Thanks :-)

2006-10-24 16:36:09 · 8 answers · asked by Anonymous