Credit - November 2006

does being denied for credit cards or department store cards because of insufficient credit affect you credit?

2006-11-18 05:22:13 · 5 answers · asked by mendoza512003 2

I left USA in 1995 and now after 10 years I am planning to work there for a
short time. When I left USA, i owed some money to a phone service company
($700) and had to pay card (shop cards) bills worth of $1500. I did not settle these paymemts and left USA. Now as I am planning to come back to US for a a period of 2 years, I wish to find out:

1. Will my non-payments affect my life in the US in any way ?
2. Can I open a back account
3. Can i get a credit card ?
4. Will there be any other potential legal problems ?
5. Will i need a new SSN ?

Could you please let me know if there will be any problems ?

Thanks,

Suk

2006-11-18 04:44:43 · 3 answers · asked by Suk C 1

got a summons from my courthouse today .. says that i'm being sued for a credit card debit from 5 years ago . it has no court date it says i have 21 days to i guess file back . does this mean it too late to maybe call the people i owe and set up payments. ?? any help will do ,~~~~~~~~~~~~~~scared :(

2006-11-18 04:04:25 · 6 answers · asked by mc m 1

I got a credit card after I cleaned my credit up. I don't have excellent credit...my score is around 650, but when I got my credit card it was much lower and I think that's why my interest rate was so high. Where can I get a better interest rate and transfer my balance from my other one without being denied?

2006-11-18 03:55:59 · 3 answers · asked by jamie_0778 4

I've recently applied for low-income housing. I'm 21 and I hate living with my parents, they argue and fight way too much for me. The thing is, the representative told me that I have a very good chance based on my application, but they will check my credit.
What exactly are they looking for when they do a credit check?
Truth be told my credit is no where near perfect. I have $61 in collections and two credit cards that were once delinquent. They are up to very good standings since I got a much better job. Also, my loan payment is always a month ahead. And, I have about seven inquiries within 12 years since I was trying to get a car. You think I'm going to get rejected? She did say that they werent looking at the actual score, just to see if you had any bank repos or serious collection issues. I'm still so scared and damn anxiosu.

2006-11-18 03:07:44 · 2 answers · asked by Mia L 2

I'm debating turning in my Aunt. She is a cleptomaniac and she steals people's identity to get credit cards in their name. She is out of control. I love her but she needs help but I'm not sure if I should do it or maybe have someone outside of the family turn her in. What do you think??

2006-11-18 02:51:50 · 13 answers · asked by jodie k 2

I'm dealing with this collection agency and I was on a website that suggested verifying that the agency is licensed to collect debts. Number one: If the agency is in another state, do they have to be licensed in the state in which they do business, the state in which they are trying to collect, or both? Number two: Does Pennsylvania require licensing? I understand that this varies from state to state.

2006-11-18 02:45:45 · 2 answers · asked by michelle j 2

2006-11-18 02:00:43 · 5 answers · asked by mrsh71505 1

2006-11-18 00:02:56 · 15 answers · asked by supernovaJ 4

2006-11-17 20:18:56 · 3 answers · asked by Denni 1

I am a bargin shopper and will not buy unless things are on sale. There was no bread on sale and I was too cheap to buy some. Do you have a couple slices of bread that I can have for a tuna sandwich? Send it now please.

2006-11-17 19:44:26 · 3 answers · asked by Anonymous

I just did a Credit Analyzer - Even if i pay off all my debt on cards, my total credit score could only be 737!! How can i go higher than that ?

2006-11-17 19:27:11 · 5 answers · asked by a9113257311 3

Okay, here is it ---
As for my age(22), my monthly income is around $2000 to $2500 - I have a couple of credit cards which got some balances(not much, i guess total i owe is around 3k) on it and i wants to pay it off (FYI, i dont have any other bills except credit cards)- Should i focus on paying off one credit card after another? or just pay a little here and a little there? stupid questions heh? .. but i need advices

2006-11-17 19:24:10 · 8 answers · asked by a9113257311 3

i will use it to verify if i really won in the free lotto.

2006-11-17 19:09:25 · 10 answers · asked by rene 1

2006-11-17 18:55:23 · 15 answers · asked by bobi 1

American, Master, Visa, you name it...all are vulnerable I guess...

2006-11-17 18:25:35 · 4 answers · asked by Anonymous

If I finance my car and I pay all the payment on time, does it build up credit faster than just using the credit card? I am confused.
I wonder how do we build up credit?
I am arguing it with my friend about this.
Thank You for your help

2006-11-17 18:24:11 · 5 answers · asked by Adam 45653 1

2006-11-17 17:42:57 · 2 answers · asked by Michael D 1

2006-11-17 17:41:01 · 1 answers · asked by Michael D 1

I had settled my debt in full, rec'd a discharged letter from the lawyer. No, I wasn't declared bankrupt. Credit bureu report shows no debt except my credit card applications check. Quest net still shows as pending, I had attached these letters together with my applications but still my credit card applications was rejected. Anybody can tell my why?

2006-11-17 17:31:01 · 7 answers · asked by adzaimale 1

Debt Settlement with http://www.fdnsolutions.com is a newer approach to CCCS. Has anyone ever used another debt settlement company before that had better results?

2006-11-17 17:08:59 · 3 answers · asked by Anonymous

2006-11-17 16:29:36 · 7 answers · asked by olyviam1 2

ok i have owed a credit card company for over 4 years now .. i old friend ( not a friend anymore ) used my name and got a card in my name well just today i got a summons in the mail saying i'm being sued for 1200 dollars . i have 21 days to file in court ...is it better off to call the company thats sueing me are should i just go too court and see what happens please help

2006-11-17 16:05:56 · 2 answers · asked by mr_xrat3d 1

I know there are alot of scams to fixing your credit. Im not looking for hand outs on how to get rid of bad stuff im responsible for. Im just looking to increase it. In my quest to try to raise my score i found this site http://www.williamsfinancialcorporation.com/. They add you as an authorzied user to one of their accounts to show you have a long never deliquent credit history. Has anyone heard of this? Do you think its a scam? Is it me being naive? Thank for the help

2006-11-17 16:03:27 · 8 answers · asked by djboricualx19 1

I have alot of older debt between 1-4 years old. I have a really awesome paying job now .... if i pay off all of these accounts do they still how up as one day being in collection or delinquint or do they show off as being paid in full..... Thanks for the help im confused

2006-11-17 15:56:20 · 6 answers · asked by djboricualx19 1

whats the laws on this

2006-11-17 15:20:49 · 9 answers · asked by sh00onuff 2

sooo does that mean i gota go 2 court are can i settle this out of court bye calling the people i owe ... and make payments ?? are is it all 2 late .. its for 1300 dollars plzzzzzzzzzzzzzzzz help

2006-11-17 14:14:57 · 7 answers · asked by sh00onuff 2

2006-11-17 13:21:22 · 8 answers · asked by lofty 2

2006-11-17 13:03:38 · 1 answers · asked by jv13stan 1

says i'm being sued over a credit card 5 years old .. it says i must answer the complaint in writing to be filed with the court within 21 days after received .. or judgment will be entered against me for what the plaintiff has demanded ....... sooo does this mean i need 2 contact the courts are call the plaintiff thats sueing me to mybe have them except payment arrangments ?????? help plzzzzz

2006-11-17 11:53:31 · 4 answers · asked by sh00onuff 2