Credit - November 2006

If they say it`s free then why do they ask for this info..To me it`s just another lie so why should they be trusted with that kind of stuff?Is`nt that a kind of frued?

2006-11-16 07:17:06 · 8 answers · asked by Step 4

2006-11-16 07:08:52 · 5 answers · asked by Rabbit 3

2006-11-16 06:54:39 · 18 answers · asked by jessica j 1

Here is the deal, I have paid most of my negative debt and I want to pay off the remaining creditors who have reported stuff on my credit. The problem is when I look at my report I don't know who these crediters are because the debt was bought out by other compnaies.

So I want to contact these creditors yet on my report where they left the negative there is no
Phone number listed, No address and only a partial account number is showed and the remaining numbers are marked out by a row of X's. How the heck am I supposed to fix this if there is no contact information from these idiots who placed the bad stuff on y reports.

Has anyone seen this on your report? Isnt there a law or something that if someone places a negative on your report that the full contact and details of the crediter have to be named -

2006-11-16 05:47:13 · 4 answers · asked by Utopia 4

patriotsextra points visa credit card, www.newcardonline.com every time i try this i get newcarsonline.com

2006-11-16 05:34:47 · 4 answers · asked by nana torrey@yahoo.com 1

2006-11-16 04:58:11 · 5 answers · asked by kue d 1

I've heard that we can do this once a year but am not sure how to go about it.

2006-11-16 04:53:04 · 6 answers · asked by Laura Renee 6

Anyone had this happened to them? Is it normal? I opened my account with them in March 2006 and never paid late. It's my first credit card, even if it's secured, at least it's on all three reports. I was fine until now. At the beginning, I paid the whole balance off, lately I've been keeping some balance (well, quite high). My APR was around 16-17%, no big deal, when my credit is $200. But now, they want to up it to 27.99! For now reason apparently, I called them as letter suggested, to ask for specific reasons. Supposedly, this decision was based on my credit report (which is getting better over time, with more account). The weird person on the phone explained, that after 6 months, they either increase your limit or APR. Huh???

2006-11-16 04:45:37 · 5 answers · asked by Alanna V 2

Okay. My last day at my job is this Thursday, and soon I will be a stay at home mom (in a couple of months). We're also moving this weekend for my husband's job. We're in the process of selling our house. Once we do, we'll have a lot more money each month to put into savings.

In any case, I'm trying to think of ways we can think frugally and spend as little as possible. Granted, I should have been doing this all along. We did put most of my money into savings or onto debt, but we could have been a little more aggressive. Anyway here we are - can you guys think of any ways to cut back?

So far I've:
1) Contacted the insurance co. about raising our deductible to $1000, and let them know we're moving (this will hopefully bring our cost down, since it brought it up when we moved here) and that I'll be at home.
2)We've cut our cell phone - only landline.
3)no cable (we never had this).
4) Moved our grocery bill to $200 - too high? Reasonable?
What are some other ways you stay at home moms cut back?

2006-11-16 04:14:45 · 5 answers · asked by Anonymous

if so, how did you go about doing it

2006-11-16 04:08:57 · 7 answers · asked by Utopia 4

I used my step dad's credit card with his permission. I was in a bad marriage and he helped me get out by letting me use his credit card. I want to pay on it but the credit card company has raised their interest so high that I'm having to choose between feeding my child and paying the minimum payment on this credit card which is $285.00 a month. I am in way over my head I just want to get this debt out of his name. How could I do that with bad credit?

2006-11-16 04:08:52 · 3 answers · asked by beardenk61 1

I had a debt of $6,000 to a collection agency. Initially, $4,000 was what they said they'd settle for from me. I had setup a payment plan with them- that I would pay them $300 per month with postdated checks. This month, I was not going to be able to pay them that because I had other unforseeable expenses. So I put a stop payment on their check at my bank. Because of this, now the collection agency is saying that now I owe them $6,000 as opposed to the $4,000 that we had agreed upon. Is this legal for them to do? Also, how likely do you think it is that they will sue me for this?

2006-11-16 03:49:42 · 6 answers · asked by Anonymous

Can I file but still keep one of the credit cards that has gone into collections and try to pay only that one off?

2006-11-16 03:41:16 · 3 answers · asked by Anonymous

2006-11-16 02:49:13 · 7 answers · asked by Jacqueline R 1

We all earn, and cant we regulate our expenditure within our stipulated earnings rather than falling into a debt trap.....

2006-11-16 02:48:41 · 18 answers · asked by bhupesh 2

I had my car reposessed and then reclaimed it 1 week later. I have made my payments on time every month since. It is still showing up on my credit report as a repo and that the account is closed. It's not showing any payments I am making. I have contacted the bank and they give me the run around. I disputed it on my credit report and they checked with the bank and said it is correct. I have the car in my posession, is there anything I can do to have my credit report fixed?

2006-11-16 02:43:25 · 5 answers · asked by pinkprincess 2

I had an appointment that I missed (acutally he was a counselor). I'm not planning to go back to him. I don't recall signing anything agreeing for non-show fee, but, I might have. They sent me a bill for $50. Should I even try negotiating?

2006-11-16 02:15:58 · 2 answers · asked by spot 5

2006-11-16 02:13:38 · 2 answers · asked by blueangle39 1

How do I get these credit card companies to remove "bad" credit reporting. Most of them were paid in full, minus a small amount of interest. I am trying to raise my credit rating and don't know how to do this with these companies still reporting bad news. also trying to get a securtiy clearance and these are still popping up. HELP.

2006-11-16 00:58:34 · 4 answers · asked by Mayr4554 2

I don't understand this...I just recently looked up my credit report for all 3 bureaus and noticed that there is wrong information on al 3 of them (Spelling of name, current address, DOB, current employer, etc.) I haven't found any info on the web as to how to correct this. Can someone who knows much about this field please help me...thank you.

2006-11-15 22:55:38 · 7 answers · asked by L-Train 2

My friend lives with her boyfriend and young daughter. They have a mortgage on 50% of their house - the other half is rented from housing association. They both work full time.

She has recently discovered her boyfriend has run up debts of £60k which they are struggling to meet the minimal payments on along with their mortgage/rent etc; and she can hardly afford to buy food/petrol.

He wants to go bankrupt. My advice to her was to apply for an IVA as an alternative. She has made a provisional phonecall to discuss whether he would be suitable and it seems he probably would.

Her fear is that she will lose her house or have to remortgage the half they own to clear down his debts - and I do not know the answer to this.

Given they are not married and they jointly own the equity in half of the house, would anyone know where she would stand financially in all this mess? Will she lose her house anyway - could he be forced to sell his quarter share? Is an IVA a solution?

2006-11-15 21:29:21 · 9 answers · asked by lisaandmax 2

In case of D/A deal, interest will be party A's account and delay charge , if any , will be paid by party B

I'm korean.

I can't understand .....

I'd like to know..

2006-11-15 19:47:13 · 2 answers · asked by Iamman 1

if both card have same credit limit or unlimted credit limit then what will be batter choice and why? which one i choose?

2006-11-15 19:32:01 · 6 answers · asked by abhinav777 2

2006-11-15 19:02:50 · 10 answers · asked by owen z 1

I had my debit card in my back pocket and I accidentally bent it. I tried to bend it back in place, but you can still see the bent mark. Will the card still work?

2006-11-15 17:57:24 · 7 answers · asked by Paula S 2

what rights do you have concerning the credit card.?

what rights does the company have concerning your having/ using their credit card?

2006-11-15 16:45:42 · 3 answers · asked by LEAD 1

I got my car 3 years ago and still have about 3 more years to go to pay it off. When i first got it my credit was okay, not great though and since then I think it has gotten a lot better. Is it a good idea to try and refinance through my bank or something?

2006-11-15 15:49:22 · 5 answers · asked by ELIZABETH M 1

2006-11-15 15:32:07 · 20 answers · asked by Anonymous

paying on this bill for the past 3 yrs. and the int. rate is 27%. Income was cut in half so I'm just paying min. every mo. so the balance never goes down. Am I legally responsible for this bill?I live in N.Y. State and aren't sure what the laws concerning this are.I'm just trying to get out from under a little bit. There was no estate.

2006-11-15 13:51:24 · 10 answers · asked by luckylindy0 4

2006-11-15 13:40:33 · 12 answers · asked by Anonymous