Credit - November 2006

2006-11-20 03:52:27 · 2 answers · asked by Anonymous

My current credit score is 671. I have no credit cards and just one loan thats a college loan through the government ($3300) and I don't have to pay that off till I graduate college in 4 years. I have no bad marks on my credit report. If I was to put up my car (used, worth $4500) up for collateral, would I be able to get a $1500 loan from my credit union?

2006-11-20 03:18:29 · 7 answers · asked by teneff88 1

2006-11-20 02:51:05 · 8 answers · asked by Anonymous

I've heard that credit unions are more people orinted then the bigger banks. Reason I'm asking is I've been denied a student loan from the government and loans from my bank. My ex boyfriend put me into big credit card debt. I've paid it all off but with the way I did it, it stays on my credit profile for another 3 years. I've been trying to save and I have a small limit on a credit card so it proves my trying to rebuild my credit. I really want to go to school. Do you think I'll be wasting my time and theirs if I go to a credit union?

2006-11-20 02:41:52 · 3 answers · asked by Anonymous

I have about $27,000 in bad debt and want to start paying it off. I don’t want a credit counseling program, I want a company that negotiates and settles debts for less then the balances are.

I heard that many are rip offs and don’t need any more problems. I have spoken to a few, debt settlement usa; which I have a really bad feeling about because the rep I spoke to lied to me more then once. And the other 3 companies were similar in their answers.
Also many of them are only sales people that have been harassing me to enroll. Dont want any more BS!



If anyone out there knows a good debt settlement program, please provide a link to the company so that I can find them.

Please only serious answers, I only want to hear from people who have experienced service with the company…..

Also please tell me if you have hired a company and had a bad experience...

2006-11-20 02:37:08 · 3 answers · asked by Anonymous

Hi,

I've just registered online for a catalogue account and they've given me a credit limit.

If I close this account now before making a purchase will this affect my credit rating?
If I don't close the account but don't buy anything will this affect my credit rating?

Thank you

2006-11-20 02:29:46 · 8 answers · asked by Jayne R 1

2006-11-20 02:28:14 · 6 answers · asked by Anonymous

i've got a call and the rep went like my platinum membership with the $8000 small business CREDIT LINE has been approved and they wanted to see if i would've liked to activate the proccestin of it and he said the interest rate is zero and there ain't any kindda proccessing charges...i've never applied for one but i kindda need this and i really don't know what can i do with a credit line...apart from phishing call and all that i just wanna see what is the benefit of credit line and how does it work.

2006-11-20 02:25:48 · 7 answers · asked by l0_o_some1else_o_0l 2

Where can I get a copy of my credit report on line that is really FREE?????

2006-11-20 02:16:24 · 9 answers · asked by ROSIE 3

2006-11-20 02:12:54 · 3 answers · asked by italyazzurre44 2

Is after taxes a good thing or a bad thing? when my credit card is being taking out of my pay check?

2006-11-20 01:19:27 · 2 answers · asked by kate c 1

is after taxes a good thing or a bad thing? when my credit card is being taking out of my pay check?

2006-11-20 01:15:17 · 2 answers · asked by kate c 1

2006-11-20 01:03:10 · 5 answers · asked by shalini_suriya 1

What will HSBC do if I cannot repay what they want? I have told them I lost my job and they do not care, whatsoever. I offered the minimum payment and they said no. I will be moving back to the US, what will happen then? Should I just leave? Should I try to set up some kind of payment and hope they accept?

2006-11-20 00:44:39 · 13 answers · asked by eNGLANDER 1

I am 22 years old I just finished with my B.A. and now I am in med school. I am already $30,000 in debt and I will be over $150,000 in debt after med school. I am just wondering if I am the only one that has this much debt?

2006-11-19 23:33:21 · 3 answers · asked by Go For Broke 3

What is FICO score? I know there's equifax, Experian and TransUnion (my credit score is 678 and my FICO score is 662.).. But what is FICO score? Is that relate to auto loan ?

2006-11-19 20:20:06 · 3 answers · asked by a9113257311 3

Hi ..

I have a credit card, and I want to lend it to my sister. Can she use that credit card free ? I mean, normally I have to sign when I pay using the card, so is it OK if my sister use my credit card and then sign it using her own sign ????

2006-11-19 19:42:18 · 12 answers · asked by pets_bags 2

2006-11-19 17:17:23 · 2 answers · asked by cap 1

Hey guys, I took classes and had to join Nea (national education acceptance).

Well, anyways, I guess they got like 1 or 2 payments late, and just because of that, they messed up the credit on my friend, as she is the one who's name tha ccount is under..
I just found that out, but I would like to get some opinions on what I can do to get her credit back to good.

Thank you!

2006-11-19 15:37:13 · 1 answers · asked by Anonymous

Our son has had a savings account since he was 10 years old. He began working and has since opened a checking account and also received his 1st credit card. His father & I think it's okay for him to keep the Visa/Atm card but we don't think he should keep the credit card. Is this wrong? Any advice from your own experiences would be appreciated.

2006-11-19 13:20:45 · 18 answers · asked by AVA 4

Ok a bad debt on your credit report for 7 yrs and than is reported as a write off by te creditor and put on credit report for another 7 yrs is that right??? To me that is double punishment and not right how do you get it off the report by paying or asking the creditor to take off?? Please let me know thank you.

2006-11-19 13:16:12 · 6 answers · asked by Henrietta S 1

I have only gone thru one billing and i paid $120 on about $300.. more than the minimum (which was 10 dollars). I have a $500 limit and right now I am up to about $350. What I am asking is can I make payments at ANY time? The next bill won't be until the end of december i think, since i paid the first one so quickly. i'm confused.

2006-11-19 11:52:17 · 4 answers · asked by keep it real 4

If i buy a T-Shirt and it is too small, Does the shop have the right to only issue me with a Credit Note instead of a refund even though they don't have a bigger size. I have receipt, labels still on T-Shirt and bought only 2 days ago.Why should i have to buy something else from that shop.(Shop is Sports Soccer)

2006-11-19 07:50:34 · 12 answers · asked by ste b 3

I have been looking to find a debt settlement company that will reduce my debts and help me to be debt free in about 24 months. I know that my credit will be affected but i don't intend to use my credit for any large purchases for about 4 more years. After all my good credit only seems to be getting me into more debt trouble and I couldn't afford to get any more credit anyways right now.

2006-11-19 06:52:58 · 6 answers · asked by Debt Advice 1

2006-11-19 06:43:35 · 5 answers · asked by Anonymous

2006-11-19 06:21:08 · 4 answers · asked by Anonymous

2006-11-19 06:11:55 · 2 answers · asked by agmilesjd 1

2006-11-19 04:57:36 · 10 answers · asked by Thomas B 2

I am only 24 and live on my own. I have too much debt that I can not pay back. I haven'tmade payments on anything in almost 10 months because I have been jobless. I recently started working some temporary jobs here and there and am still trying to get a full time job. I used to have great credit and now my credit is terrible and I can barely afford food and gas for my car. If anyone has any information on claiming bancruptcy it would be greatly appreciated. Thanks!

2006-11-19 03:08:19 · 8 answers · asked by Sarah G 1

I need an item from RadioShack. On their page it says that I can pay with a gift card. Has anyone ever done that? Does it work? And also would I need to be 21 to order online with a gift card?

2006-11-19 02:21:19 · 8 answers · asked by Anonymous