Credit - October 2006

2006-10-26 07:05:24 · 12 answers · asked by dnelak 2

I got a letter from the credit card company after I applied to them and they say they need to speak with me in person - I cant figure out why they'd need to after I gave them all my information. Is it just so they can reject me and take some sick pleasure out of doing it over the phone?

2006-10-26 06:54:27 · 7 answers · asked by radiancia 6

I have about $9000 in debt. In the last year I had to make alot of my payments late because money was tight, so my credit rating plummeted. I have a lump sum of $16000 coming in a month & will pay off my balances. Which option will improve my credit score the best - 1) Pay them all off in one flailing swoop 2) Take 4-6 months to make payments consistently to pay them off+

2006-10-26 06:22:22 · 15 answers · asked by Gabrielle 6

Here's an example.... If somebody dies in 1978, and in 2003 somebody gets this person's SSN (you can do it through many websites. www.net-detective.com for example...) and uses it. Let's say this person applies for credit (credit cards, etc) and gets approved..... what happens with this SSN? Does it report to the credit bureaus? Can the cc companies know this is not the real person?

2006-10-26 06:12:05 · 4 answers · asked by k. Osle 2

2006-10-26 05:46:37 · 9 answers · asked by jackie 1

I already checked with fica,equifax,and they can't explain. I have no late payments,no delinquencies, or outstanding balances.

2006-10-26 05:36:53 · 3 answers · asked by nikole s 1

2006-10-26 05:03:31 · 6 answers · asked by Anonymous

I want a credit card that will offer miles in balance transfers. There were alot that did that a few years ago but now I can't find any.

2006-10-26 04:45:32 · 3 answers · asked by cbsb 2

I recently closed my credit card and moved to a different state but i still have a $1000 balance to be paid off. What are potential consequences if i leave it unpaid. Does the interest build up infinitely?

2006-10-26 04:19:29 · 8 answers · asked by bladekl 1

I filed in 2001. I disputed my bankruptcy and a lien with all 3 credit bureaus.
Transunion removed the lien not the bankruptcy
Equifax removed the bankruptcy and not the lien
Experian wouldn't remove neither one.

Now i know once you dispute an item the creditor has 30 days to respond or its removed from your file how can i get the others removed or do I just have to wait it out

If one bureau remove it dont the others have too.

2006-10-26 03:56:38 · 10 answers · asked by LATANYA N 2

2006-10-26 02:11:09 · 5 answers · asked by Liana S 1

If you need quick cash and you only have a credit card, will the bank allow yo to extract cash from your card? If they do, how much will they charge you for doing this?

2006-10-26 00:26:33 · 17 answers · asked by barbaraspice 1

I am confused. We are in a financial mess and need to make amends now. If we only pay a portion of our debt by making arrangements to pay an agreed upon amount instead of the original bill, will that hurt our chances of increasing our credit score? I was told we really need to pay what is owed and not the reduced amount the card issuer would settle for.

2006-10-25 20:25:26 · 10 answers · asked by PolkaPolka!! 1

Is there something that should be done as a child of the deceased to protect your credit, assets, savings, etc?

2006-10-25 17:36:15 · 10 answers · asked by Zloar 4

2006-10-25 16:57:15 · 9 answers · asked by aishwarya 1

I have two credit reports and the same agency changed the "reported since" date by 5 years, from 01/2001 to 01/2006. Can they do this legally?

2006-10-25 15:23:48 · 5 answers · asked by anjkoenig 1

2006-10-25 14:14:54 · 13 answers · asked by TERRENCE B 1

2006-10-25 13:54:04 · 8 answers · asked by Javonne B 1

I just turned 18 and i need to get some more credit. I have a little bit of credit cuz I pay my cell phone bill so i was approved for a credit card for $250.(which I have yet to use) what ways can I gain more credit.

2006-10-25 13:19:43 · 9 answers · asked by tweetstuff27 1

2006-10-25 13:19:24 · 8 answers · asked by smiley 1

this is my situation.Im 27 and I've accumulaterd about $15,000 (this includes late fees & finance charges) on 5 different cards,all credit cards. I could never afford to pay anything because of my low paying job.

Now I am getting paid more, so I can put aside a few hundred dollars a month to start paying them off but since there with different agencies i feel this might be difficult.

All these debts are now with collection agencies, its been exactly 2 years since I made my last payments on the credit cards, so they've been with the CA for about 1 year and a half. What is the best way for me to work this out? should i go to credit counseling and have them try to reduce my debt and be able to make one payment each month? should I try to contact the collection agencies and work with them? or perhaps contacting the credit card companies themselves and see if i can settle that way?

Thanks for in advance.

2006-10-25 13:14:33 · 7 answers · asked by myshella 1

I recently had a baby in july of 06 and ended up moving in with her dad. All the while I had been renting an apartment (lease started in 3/06, ending 3/07). Not knowing that it is mandatory that I keep the electric on, and being that I am never there, I let the electric Co disconnect. About two weeks after(10/24), my landlady called me to advise that me electric had been cut off and that I have to have it on. She told me that there is a 7 day eviction notice hanging on my door. I've always paid my rent on time and followed all the rules. I told her I didn't know that my electric had to be on and that I had no way of paying to get it turned back on until after the 7 days, she said she couldnt do anything about my situation. I've actually wanted to move out because that rent $$ would be extra $$ in my pocket, but I don't want to leave on bad terms. If I pay my rent for 11/06 and get evicted will my credit be ok? or am I obligated to pay rent til my lease is up?

2006-10-25 12:05:22 · 3 answers · asked by brngn_sxy_bck 1

MY friend needs some help!! He wrote down a another friends credit card number and used it for over a year. He finally go caught and the card owners mom is pressing charges on him. What should he do? Also he never gave out his address or name should i figure he is clean??

2006-10-25 11:57:50 · 3 answers · asked by jaredcubfan 1

My credit card company sent me a notice that they're changing my balance transfer fee maximum from $75 to $250. I use balance transfers sometimes, so this is bad for me.

They said in the notice that I can "opt-out" and reject these changes, but at the end of my membership year, they will CLOSE my account and I will have to "repay the balance under the current terms."

I'm not even sure what that last part means. Sounds like they will close my account and I'll have to pay the final balance? Also, if they close my account, won't that hurt my credit score?

2006-10-25 11:33:40 · 7 answers · asked by melissa 2

Not sure if you have to pay but need confirmation. In addition I have not received anything in the mail but have not returned their call. I do not owe any debt at this time.

2006-10-25 11:31:16 · 9 answers · asked by jcgolf80 1

2006-10-25 11:14:30 · 3 answers · asked by Anonymous

2006-10-25 10:54:54 · 15 answers · asked by gfoed020 2

i'm looking for a credit card just for emergency, i'll probably hardly use it. i have good credit for having my name on my mom's gas card, which i did so i could establish good credit. but now i want to get my own for emergencies.

2006-10-25 10:51:16 · 5 answers · asked by Anonymous

My boyfriend has called twice to cancel and he still has it. They will not cancel and keeps going on and on till he gives up. Reminds me of that guy that taped a rep with AOL when he tried to cancel that.

2006-10-25 10:25:24 · 4 answers · asked by beth81962 3

Does anyone know the routing number for motor city co-op credit union?

2006-10-25 10:18:17 · 2 answers · asked by Anonymous