Credit - November 2006

My ex girlfriend and I had a joint credit card with myself as the primary. She racked up a huge bill. She filed for chapter 11 bankruptcy last year with this credit card listed as one of the creditors. I have not heard from the collection agency since that time. It is still on my credit report. Can I dispute this even though the credit card bill was legitimate and can they still try to collect from me? I have done many searches on what my rights are but I have not heard much on this specific issue.

2006-11-22 09:54:12 · 8 answers · asked by Fries 2

A free site that doesn't ask for your credit card......

2006-11-22 09:39:14 · 6 answers · asked by Anonymous

What kind of phone techniqes should I use, how much (what %) should I first offer to pay? How do I get them to "be nice" on my credit report?

2006-11-22 08:35:09 · 4 answers · asked by AntzaGurl 3

I want to ge ta credit card and can't what's the best way?

2006-11-22 08:12:33 · 12 answers · asked by lulu 1

can payday loan lenders continue to charge you interest on the loan once you have defaulted on the loan and it has gone into collections.

2006-11-22 08:02:08 · 6 answers · asked by hutsontl@sbcglobal.net 1

2006-11-22 07:43:40 · 7 answers · asked by missy l 2

2006-11-22 07:26:26 · 19 answers · asked by scottboss64 3

we never live with credit cards before. and now we have 5000$ on our credit cards that we cant close . we are doing a min paymant every month and trying to pay more than that. we will have a bonuce 7000$ at the end of the year. will it be beter to pay to credit cards at onece. or there is another way to pay credits(and put this bonus on investment).
I read about calling to creditors and talking with them, so they will give a 10-20% of if we will pay it atonce, but will it afect in bad way to our credit report.
Sorry for wrong English writing.

2006-11-22 07:17:34 · 10 answers · asked by armn2ka 2

2006-11-22 07:14:10 · 10 answers · asked by deanno 1

I have absolutely no credit. I want to get a credt card (not secured) or something to start buildin up my credit. I have had a stab;e job for 3 + years and can pay payments. I cannot buy anything because I have no credit score whatsoever. I cannot recieve a score because i cannot get approved for anything. Is it a never ending circle or is there some alternative?

2006-11-22 07:07:31 · 9 answers · asked by Anonymous

I am trying to look at my credit report ot find out if my house phone provider is reporting my payments and bills to any credit bureau. I dont want to sign up for anything that requires payment. I just want quick and easy results.

2006-11-22 06:43:15 · 9 answers · asked by Anonymous

is it VISA, Master, Discovery or America Express?

2006-11-22 06:24:05 · 7 answers · asked by Anonymous

2006-11-22 06:04:21 · 8 answers · asked by Anonymous

2006-11-22 05:46:42 · 25 answers · asked by Anonymous

I have gone through a divorce and acquired bad debt (foreclosure, repo, etc...) while ridding myself of a spouse. I feel there is no other way to start clean than by filing bankruptcy. Is this the right decision? Any bankruptcy success/ failure stories?

2006-11-22 05:36:30 · 8 answers · asked by Anonymous

I have bad credit and want to pay some off. My credit score is like 493 now and i know by paying off some debts that my score will go up, but how long does that take?

2006-11-22 04:39:32 · 7 answers · asked by AmyD 1

Want to know what is APR and how does it work for credit card?
Want to know working mechanism of credit card sysytem?

2006-11-22 04:30:32 · 5 answers · asked by gydave2000 1

I owe the bank 500.62!!! I have NO money what so ever!!! And they sent me this paper saying that if I don't call them within 7 days they are going to take me to court, and I can get put in jail!! I am so scared!!! OMG. Please help!!!

2006-11-22 04:22:50 · 8 answers · asked by Anonymous

I went through a divorce and had to file bankruptcy almost 4 years ago. Does anyone know of a place who would offer me a student loan or personal loan for additional education expenses that my federal stafford loans don't cover? Even a credit card that would give me a chance?? Thanks for any help or advice that you can send my way.

2006-11-22 02:52:30 · 3 answers · asked by ccmlgs 1

help me increase my credit status. Any ideas? Would a store card be a better option at this point?

2006-11-22 02:41:34 · 16 answers · asked by MARK 1

I'm shopping around for a new credit card company. My Visa Citicard that I've had since 97 is garbage. The balance pretty much stays at $0The interest rate is steadlily increasing (now 28%) and they don't offer any rewards. I want to survey real people. What cards are people using and what are the rates? Please, only the card name bank and interest and if someome has a really good rate and a decent company and wish to share that will be greatly appreciated.

2006-11-22 02:15:22 · 9 answers · asked by Opinu8ed 3

2006-11-22 02:01:16 · 23 answers · asked by Anonymous

how do you negotiate to paying less than you on bills that are over 7 years old so you can try to clear it up can you negoticate to pay lower to clear it up HOW DO YOU DO THAT

2006-11-22 02:00:41 · 2 answers · asked by flipper 2

Pay DOWN one high balance credit card or pay OFF a few smaller balanced ones. For example, lets say I have one CC with a balance of 5000 and 4 others with a $500 balance. If I have $2000 should I completely pay off the 4 or bring the $5000 one to a $3000 balance. Thanks!!

2006-11-22 01:45:45 · 8 answers · asked by Kel 2

and what can they do if they have your credit card number. I bought something on ebay but then wen it usually asks for you credit card number it said that i must phone this certain no. my mother called and gave it over the phone. my mother says normal but i dont know.

2006-11-21 23:03:19 · 11 answers · asked by Anonymous

I have an account in collection that is not a loan, but that I owe a college I went to for a few weeks. I do not have a contract for this or anything. The college never got money for tuition because I cancelled the loan to give them the money because I had to leave the college. I was told I would not be obligated to pay because I was only there for a few weeks. I never signed anything, nor was anything given to me to tell me that I would be obligated. So now, on my credit report it has this collection for the tuition. Should I look into this and try to get it off my report since I have no contract, etc? It is not a loan, just money owed to the college...

2006-11-21 20:44:54 · 4 answers · asked by eNGLANDER 1

Moreover, what is your opinion of rent-to-own? Thank you in advance.

2006-11-21 14:50:27 · 8 answers · asked by Maria Gallercia 4

Does that mean that they will send me my card within 30 days or do I have to wait for something else? Do you think it will take the whole 30 days to get it also?

2006-11-21 14:15:32 · 8 answers · asked by ? 3

various banks, interest rates, procedure of repayment, mortgage, documents required, default

2006-11-21 13:26:02 · 2 answers · asked by alok p 1

2006-11-21 13:20:49 · 1 answers · asked by DeeDee 1