Credit - October 2006

I unfortunately managed my credit poorly while in college, and now, over 10 years later, I am slowly trying to repair my credit. In addition to student loans, I have two credit cards in collections that I owe over $2000 total on. I also have a phone bill that has been in collections for 4 years (over $400) that I have not paid. They recently sent me a good deal to match payment dollar for dollar, essentialling cutting my debt to them in half. However, I heard that utilities are not a detriment to your credit score - collections or no collections. In prioritizing what gets paid first and what will help repair my dismal credit score, should I put the phone bill on the back burner compared to keeping my student loan up to date and pay off those two credit cards?

2006-10-31 09:02:43 · 11 answers · asked by sjrae 2

I am receiving bills/collection notices from other than the originating lender stating they now represent the loan and wanting to collect. The original loan was about 9 years ago and as stated above was "charged off" 8 years ago. What is my obligation now?

2006-10-31 08:43:23 · 5 answers · asked by poptart011365 1

What are some cards that I can try to apply for if I do not have credit nor a driver's license?

2006-10-31 08:39:26 · 4 answers · asked by Anonymous

2006-10-31 08:24:12 · 7 answers · asked by Putta Rat 2

If you have, can you tell me if it was worth it and were you went.

2006-10-31 07:55:54 · 5 answers · asked by Anonymous

2006-10-31 07:46:15 · 9 answers · asked by eric_azn6 1

I'm 23 and I got my first credit card at 19. I use credit cards for the rewards and always pay off the balance in full. I have one mastercard and one visa.

My question is how much would it hurt my credit score to close the visa account in order to replace it with a different visa card with a better reward policy?

I don't forsee myself obtaining a loan or anything like that in the near future.

2006-10-31 07:07:17 · 7 answers · asked by luvfurypassionenergybabe 5

2006-10-31 06:32:38 · 5 answers · asked by joozyr2 1

If so, how?

2006-10-31 05:37:46 · 14 answers · asked by Paper M 1

2006-10-31 04:46:35 · 10 answers · asked by ANISA C 1

you will be reinstated if you send in payment immediately (American Express) because of good standing previously, is it real or just a way to collect, then deny your membership on some technicality?

2006-10-31 04:44:15 · 8 answers · asked by Jacy J 1

2006-10-31 04:16:35 · 8 answers · asked by snapplepot 1

If my husband defaults on His credit cards, am I responsible for paying them even if my name is not on them?

2006-10-31 04:16:01 · 7 answers · asked by Poohcat1 7

I have tried everything no one will approve me of a credit card, loan, nothing. I'm not in school so I can't take out a student loan. I've even tried applying for store credit cards that offer real high interest rates but still I get disapproved. How can I build credit if I can't get it? Can anyone give me any ideas as to what to do or know of any places for sure who will approve of me with no credit.

2006-10-31 03:41:05 · 17 answers · asked by bettyspagettii 1

2006-10-31 03:06:54 · 5 answers · asked by kok021580 1

i am having my wages garnished and i was just wondering if you paid the company that is garnishing them, if it would stop?

2006-10-31 02:20:58 · 9 answers · asked by knuckles811 1

2006-10-31 02:20:04 · 5 answers · asked by oscar c 1

i got got my wages garnished because i couldnt pay what the credit bureau wanted me to pay, so now they are garnishing my wages and i was just wondering if you pay the credit bureau if the garnishment would stop?

2006-10-31 02:13:50 · 4 answers · asked by knuckles811 1

I am reading an article in "Debt-proof Living" telling the scary truth about debit cards. What do you think?

2006-10-31 01:43:41 · 5 answers · asked by Anonymous

when will i recive payment for backpay, and first mothly check

2006-10-31 01:18:41 · 2 answers · asked by bigstud4u1968 2

2006-10-30 22:40:21 · 10 answers · asked by jason j 1

that i must pay fees to them to receive my prize lottery, the address of bank : 3ikjea road victoria island lagos state, nigeria .

2006-10-30 20:45:57 · 5 answers · asked by Maha A 1

I just signed up for a company that offers great coverage, and I also checked with other companies and they were the cheapest as well. you sometimes get more than what you pay for.

Click here for deatails
http://identityprotection.homestead.com/index.html

2006-10-30 20:09:55 · 3 answers · asked by strait_up_fearless 1

I was told that everyone can get there free credit report and credit score without having to enter a credit card # or anything. is this true ? and where can I get it at ?

2006-10-30 18:51:04 · 6 answers · asked by Anonymous

After a car sales lien, the funds raised from selling the car, does it go to my finance company or does it go somewhere else? So if i owed $20,000 to the finance company, but the car sales lien raises $18,000, would i still be responsible to my finance company for the whole $20k or 2k?

2006-10-30 17:12:55 · 2 answers · asked by NIKFAY 2

2006-10-30 16:08:45 · 8 answers · asked by trishÜ 1

I don't have any credit at all. I never have. I've never had a credit card, don't owe anyone a dime. I've thought it was a good idea to pay for a lot of things in cash so I wouldn't get into debt. But now it would be handy to have one and pay it off - to have some credit. I've applied for many, many cards and even tried through my bank and been turned down. Not because I have bad credit - but because I have none. I rent my own apartment and have an open account with a cell phone carrier. I paid for my car in full- upfront - so that's out. Any suggestions?

2006-10-30 15:35:11 · 8 answers · asked by Anonymous

2006-10-30 14:39:56 · 4 answers · asked by lildominicanbabyg03 1

2006-10-30 14:34:32 · 3 answers · asked by Rich B 1

2006-10-30 13:11:43 · 5 answers · asked by blkdude4u02a 2