Credit - October 2006

And if it does go down how many points does it go down?
Also does anyone know a good website to learn about credit?

2006-10-03 18:09:14 · 10 answers · asked by Liera 2

It seems like most are red, gray, navy blue, etc. Has anyone seen a yellow, pink, lime green, or neon card?

Thought I'd toss a random, fun question out there..

2006-10-03 18:09:07 · 8 answers · asked by Anonymous

I live in Canada, and I was discharged from my bankruptcy december 2005. At the time I filed, I had student loans, and they weren't forgiven, of course. I think they are at about $8000 to $10,000. I have been told I cannot get student loans now for a few years, up to the standard scary *7* And of course, it would help if I planned on paying the ones I have ;) So, I'm kinda screwed, aren't I? Even to get loans to study in a different country? Because to study in a different country, I have to get loans from my country, and not the other country, right? (I'm thinking western europe)

2006-10-03 17:42:03 · 4 answers · asked by cavelle26 2

If i get a credit card do i have to pay for it??? And if i get one and never use it do i have to pay for anything still??? What i gotta do to get one?

2006-10-03 15:47:57 · 11 answers · asked by ragingravira16 2

2006-10-03 15:19:41 · 3 answers · asked by abelrrbiz 1

I have two credit cards that have about $8,000 in debt between them. I am serious about paying them both off, and pretty much will go as far as starving to get it done. It would just be so much cheaper and easier if this was one bill instead of two. I have played the balance transfer game, but at this point it seems like adding another bill would be more problematic than consolidating. I just don't know how to do it or who to trust.

Is there any downside to consolidation?

2006-10-03 14:51:20 · 6 answers · asked by Anonymous

Ok i went and bought a TV at best Buy last week and signed up for there financing. intrest free..
the purchase was 1876, however my credit limit is 2000.
My friend told me what i just did there was commit suicide with my credit, and it will effict credit limits, APR on other cards.
Here are all of my credit cards

Capital i balance 1300, limit 7500 8%
Chase balance 3200 limit 5800 4.5$
citi/funiture intrest free balance 1700 limit 6000
would any of these be affected

2006-10-03 14:33:06 · 3 answers · asked by Anonymous

2006-10-03 14:20:10 · 5 answers · asked by daniel b 1

I'm in California, USA. I am wondering if mistakes someone makes when they are under 18 can affect their credit later on.
Example: Someone is sent to a collections agency and they do not pay.

Would something like that affect a person later on in life or not?

2006-10-03 13:59:12 · 19 answers · asked by omgzlykscene 1

i have a lot of inquiries from when i was tryin to get a credit card and it brought down my credit score..only on my trans union credit report though.

2006-10-03 13:42:56 · 8 answers · asked by Anonymous

i considered "eliminate bad credit for good on line sites" to my understanding they're scams...bankrupcy sounds like the last option and i'm not that bad in debt..less than 5000...i'm hesitant in contacting creditors and the "bureaus"..i'm not trying to put the cart before the horse but, if my credit score is let's say...544...how long ,realistically, would it take to have a decent credit score provided that i pay my debts???any help or suggestions would be greatly appreciated

2006-10-03 12:52:32 · 13 answers · asked by michael m 2

My freind has become very ill with a mental illness and is on a very small pension and has offered the company what she can afford and they will not accept it and keep calling her and harassing her.What can I tell her to do...she has no pc therefore I'm trying to get help here for her...

2006-10-03 12:41:08 · 14 answers · asked by char bear 2

I got a credit builder card and want to know if anyone else know hwhat to do?

2006-10-03 12:29:56 · 6 answers · asked by Anonymous

I have only $17 in my debit card. Can I put more money in it? Has anyone ever tried?

2006-10-03 12:20:01 · 11 answers · asked by janecambridge 3

I have three charged off accounts on my credit report, which the orginal creditor charged off. Collection agencies (one being a law firm) are attempting to collect. I thought once an account was charged off collection activites ended. Can delinquet accounts be sold to other firms even though they were charged off?

2006-10-03 12:19:09 · 1 answers · asked by Doug w 1

I need to build credit and was needing some guidance for Canadian credit .

2006-10-03 10:14:04 · 2 answers · asked by hroptr2 1

I have a credit score of 556 what does that mean in the large scheme of things what is the best and worst score etcetc...?

2006-10-03 09:58:18 · 8 answers · asked by hroptr2 1

2006-10-03 09:27:48 · 11 answers · asked by unique 1

2006-10-03 08:54:01 · 15 answers · asked by Yolanda A 1

2006-10-03 08:42:10 · 11 answers · asked by birdie 1

not boost your credit score becouse that bad debt or derogatory debt has already been factored into your credit score! So tell me the truth

2006-10-03 08:08:28 · 4 answers · asked by unique 1

2006-10-03 07:51:47 · 4 answers · asked by Andrea P 1

termonology and where can I learn about choosing a credit card that's right for me and not to expensive?

2006-10-03 07:29:54 · 12 answers · asked by unique 1

lls. I got behind when I had to decide on paying the doctor treating me or my credit card bills, (I opted to pay the doc) so I could get good care. Once that happened, I got slammed with late fees, which took me over into over limit fees, and a whole bunch of other nonsense. I stopped paying, couldn't deal with it and the treatments. Now I am better, and while I have not returned to work, am hoping to soon. I have these bills from the credit card companies, but now they are so ridiculous, I can't hope to ever pay them back. I know I messed up, but I feel I really had no choice but to do what I did, and now I want to pay these off and move on with the rest of my life. Whats a good way to start? Should I try and negotiate these bills down to what I actually owed? Or am I stuck paying these ridiculous fees they have slapped all over it? 1 company turned a $250 debt into over $2000. Anyone who can help or been there and came out of it, please feel free to help! Thank you!

2006-10-03 06:38:59 · 6 answers · asked by Tippy's Mom 6

im thinking of transferring my credit card balance to another card, what is currently the best deal, as far as a default of 20.0% APR or less? I have only seen a 32% APR on CITI bank for example but thats not a good deal in my book.

2006-10-03 06:35:19 · 10 answers · asked by Jeannie 3

I am trying to get an apartment but here's the thing, no credit. I've always handled things with cash, that, and I didn't have a steady job to handle a credit card at the time. I figured them to be more trouble then it was worth but now I find myself wanting a place of my own and with places doing credit checks it will be difficult to obtain a place of residence without credit. I know I can get a credit card now but I'd have to spend with it and it wouldn't show up on my card in time in order for a proper check to take place so I was wondering if there was other measures I could do like speak to someone directly about this in order to obtain a place that does not include sharing with a roommate, though I'm sure that requires a check as well. Any and all help is appreciated. Thank you.

2006-10-03 06:34:57 · 9 answers · asked by Star 2

2006-10-03 05:42:18 · 3 answers · asked by Ananta P 1

Has anyone ever used 'Bill Me Later' on the Walmart website? Is it a smart thing to do? It said no interest until January 2007 - which caught my eye for Christmas shopping this year. Advice?

2006-10-03 05:35:48 · 11 answers · asked by trueblue 2

My mother died two weeks ago. My father has alot of debts hanging over his head. When he dies, can i be held liable for his remaining debts. He has only a $5000 life insurance policy and is too old to take out another policy. I just want to make sure that the collectors cannot come after me and wipe me out financially for the debts he has accumulated.

2006-10-03 05:26:23 · 9 answers · asked by girlajeepin 2

I was in a no fault car accident in Oct. 2005. I did not have gap insurance so they only paid for what the car was worth leaving me with a balance. The car is totaled (ofcourse) because i am no longer working full-time, and enrolled in school fulltime, I made payment arrangements with company for what i can afford. Apparently they thought i was lying and attempt to do income verification etc.. So they have aggreed to accept the arrangements. Since then they have ask to settle for an offer which i had to refuse because i did not have the funds. So i continue to send the monthly agreed upon payments. they send me reminders about the payment etc. Recently they sent me a letter stating that they are canceling the payment agreements and that i have 7-10 days to pay the entire balance. They also said that if i don't they are going to take legal recourse, and this will be placed on my credit and affect my chances of getting a job. Is any this legal or even possible?

2006-10-03 04:36:49 · 11 answers · asked by upfromnutin 2