Credit - November 2006

i've seen ads on tv about how you can slash your debt by 75% due to a government law help. how do i findout more about it, and how do i qualify for it?

2006-11-14 08:56:33 · 6 answers · asked by adeleke2002 1

I applied on line & some credit card companies ask me for deposits some deny me for the fact that i have insufficient credit history, waht can I do. I have no open credits i have nothing ...help?

2006-11-14 08:48:29 · 8 answers · asked by Lucy S 1

I recently contacted the credit exchange company in regards to an old car repossesion that my husband has to get more info on debt settlement etc.. well they tried to make me sign and seal the deal at all costs but I let them know I wasnt going to make such a big desision without my husband agreeing. Well They have been calling me more than the actual collection people!!!!!!! I let the guy know my husband said NO but he keeps calling me and harasssing saying that they need to talk to HIM to stop calling us. Is this true?

2006-11-14 08:41:32 · 8 answers · asked by msnelle29 2

my my name be one the card

2006-11-14 08:21:47 · 10 answers · asked by Anonymous

Citi Credit card customer service manager told me the merchant does not need publish “term” for recurring charges. They could just charge the CONSUMER if they have it no matter where they have it.And I have to pay it.

I paid one ad service through the phone used Citi credit Card. After one year, the merchant charge the credit card again (Is it legal for merchant to keep card info without inform the customer?) I called the citicard to dispute the item immediately and also called the merchant without get anyone answers the phone and I emailed to the merchant staying I did not agree and signed any agreement.

The citicard investigation found:
“The merchant informed us that he send you a email says if you don’t cancel they will renewal contract. And your email back not in time.

I keep talked and faxed to citicard “I did not agree or signed any contract, I do not need to respond to that email. Thinking of email, if I respond to any, I would have broken or billion rich many times. And they did not have any terms on their web site. I do have one paper from the merchant did not have any terms or contract on it.

The manager told me they do not have to publish it or even let you know there is one.
And CitiCard could not charge back the charges. I need to get back from the merchant.

When I called again at 1:30pm the CitiCard rep #QY58 told me he cancel every time after He uses his credit card on the phone or through the web. That is the advice I heard from at least three reps from CitiCard. They keep say I give my credit card out.


What I should do? I could not prove anything if I did not do anything.
And my credit is now 844. How bad will affect my credit when I don’t pay CitiCard?

I have used my credit card to purchase so many ad services through the phone and some through the web. I wandering if I should write to everyone to saying that I did not agree on verbal any terms or contract. And don’t send email to me to hope I ignore it and get me into a contract. Thank god I did not use citicard for these transaction and those merchants are in moral.

Is anyone known any lawyer would like to take my case deal with the merchant and Citi Cards?

2006-11-14 08:09:53 · 2 answers · asked by olivia 1

I currently owe $3400 in hospital bills. But have no way to pay them off. No one in my family has much to give, even if they were willing to help out.
I am currently 24 years old, with just a part time job, making very little money. I was thinking of moving back to the philippines where tuition for school woud be cheaper, and i can get a degree in nursing.
I'm trying to think of what the best thing for me to do is.
What are the disadvantages of filing for bankruptcy?
Please help anyone. I really need it.

2006-11-14 07:54:44 · 17 answers · asked by sparksXT 3

what are things i need to do to make my credit good beside paying off my student loans and credit cards and paying off the bad debts on my credit report. I know to pay things on time but all the bad things i have against me is for trusting friends and now i know better. but i need something to give my credit a boost to get in the green. I know one thing i need to do is stop applying for stuff like credit cards (walmart,sear etc.) but give me some ideas of ways to make my credit turn good i know it may take a while but i am willing to wait. And for you people that have had fair ok credit have did you make your credit turn good

2006-11-14 07:50:28 · 14 answers · asked by justme 3

My credit score is somewhere between 500 and 550, and I have an auto loan through Drivetime that I would like to get out of. I need a new car (family is bigger, so I need a bigger car), but I still owe 11,000 on my old car. That's after a year and a half of making on-time payments. I didn't realize what I was doing when I got this car, now I feel like I'm stuck with it until I pay it off!!! My payments are $420 a month, and I can afford that just fine, maybe even more, but I can't find a dealership that will approve me without me putting $3000 or more down!!!

2006-11-14 07:39:14 · 10 answers · asked by Anonymous

When I graduated high school I was in an abusive relationship. Five years my senior, he convinced me to get credit cards he maxed out, and then forced me to drop out of school. I got away with much help from my family, but now I have collection agencies calling me, threatening to turn me over, telling me I need to pay half of my debt from school by the end of the month. I am currently in school, I work as a waitress and live with my parents. I'm barely making ends meet trying to pay for school... Im probably $10,000 in debt... What should I do, right now I just feel like crawling up in a hole... I'm only twenty years old and I feel like I ruined my life...

2006-11-14 07:30:09 · 9 answers · asked by justjen86 2

my credit score is bad due to missed payments a repossioin and other various things so i need one loan and debts included so i make one payment i have a good cosigner that is willing to help i just dont know where to turn so i am considering bankruptcy if i can not find a loan and i would rather not do that

2006-11-14 07:24:46 · 15 answers · asked by SHANNON P 1

I want to know whether being an error or not, if disputing negative items on your report can truly be removed if you are persistant-

If you have done this and had good results please share your expirence because it would be encouraging.

2006-11-14 07:17:26 · 6 answers · asked by Utopia 4

2006-11-14 07:14:29 · 3 answers · asked by oceanfc79 1

2006-11-14 07:10:16 · 5 answers · asked by paul b 2

I got one of those crappy credit cards that charge outrageous fees in order to build some credit. How long do you think it will take in order to become eligible for a better card?

2006-11-14 06:33:16 · 5 answers · asked by Marusia 2

2006-11-14 06:31:55 · 5 answers · asked by Utopia 4

2006-11-14 06:30:24 · 18 answers · asked by dougyfrsh 1

2006-11-14 06:11:08 · 2 answers · asked by Utopia 4

We are expanding credit card payments on our site, and a lot of our customers are in Canada we want to make sure that they can make payments on our US site.

2006-11-14 06:02:03 · 2 answers · asked by KMC 1

2006-11-14 05:18:15 · 7 answers · asked by Byte_this 3

I only need about $3500

2006-11-14 05:10:32 · 6 answers · asked by Anonymous

Where can i get a pre-paid credit card in Ontario?

2006-11-14 04:47:55 · 2 answers · asked by tmlfan_1973 1

if you sign up to a debt agency with a partner and then you break up, does the partner whose name ISN'T on with the debt agency have to pay anything?

2006-11-14 04:16:52 · 11 answers · asked by lilfeeney1991 1

i saught out a debt settlement company that is working for us with the credit card companies and they are refdusing to work with the settlement company so i am going to try and work out an arrangment with to pay what i can.

2006-11-14 04:03:16 · 4 answers · asked by Sonia H 1

Need help trying to get this resolved. It is only a couple hundred bucks and I have provided all the proof to show that they have misbilled me but they will not adjust the bill.

Now the collections guy is doing his thing - threatening to ding my credit report and what not.

How should I handle this?

2006-11-14 03:46:23 · 4 answers · asked by mlauricella 1

So so credit

2006-11-14 03:35:43 · 5 answers · asked by meljessie2002 1

2006-11-14 03:19:27 · 2 answers · asked by Prosad 1

Quick question. I have a charge on my credit card that I do not recognize. I also do not have a receipt for it. Do merchants keep itemized receipts for purchases. For example, would I be able to get an itemized receipt from my credit card company listing everything for this purchase. By the way, it was a grocery store purchase.

Thank you for your help.

2006-11-14 03:05:38 · 6 answers · asked by Anonymous

i need this for a loan

2006-11-14 02:47:25 · 3 answers · asked by Anonymous

2006-11-14 02:29:50 · 6 answers · asked by Amanda S 1

Im a 44 yr old single mom raising a 15 yr old daughter. i make 8 dollars an hour and struggling every month. i dont own anything, but i HAD good credit. My 22 year old son asked me if I could co sign a loan for him for a car. He left me when he was 13 yrs old to go live with his dad and I never saw him much and was so hurt over that, I wanted to do it for him. After lots of consideration, i decided no. when I called him to tell him, I found out he already signed my name illegally. When I called the car company and the loan office, the sale had already gone thru, the dealer had already got his commision, and the only way out was to press charges legally againts my son. I couldnt do it. Now i have $15,000 on my credit report because he hasnt paid and wont call me back. I have no one to turn to and am all alone in this. They threatened to garnish my 8 bucks an hour. this is the most unfairest thing thats ever happened to me. is there anything I can do besides putting him in jail?

2006-11-14 02:23:52 · 11 answers · asked by Anonymous