Credit - November 2006

If I have $5,000 on two credit cards each and I'm being charged $50 finance charge monthly because of the outstanding balance, what is the best way to go about and pay them off quickly? Or consalidate them???

2006-11-08 12:01:08 · 9 answers · asked by pololous 1

and to what extent?

2006-11-08 11:42:20 · 9 answers · asked by zz73 2

I have bad credit, but got a refinance, and have paid off most of my credit cards, but have one that I still owe on. Because of a nasty divorice there were payments that were late. How long does it take to increase my credit so I can get credit again? I got the refinance because my boss has a friend at the bank. I have been on time for almost a year, have paid off two credit cards, paying off the third and make higher than the minimum payment. I also pay more on the mortgage payment than the minimum.

2006-11-08 11:29:00 · 3 answers · asked by #2 in the oven 6

They told me out of the $3200 they say I owe with interest, that they would bring it down to 1600 if I pay in 24 hours, but the other option is to give them $2400 and they will clear it from my credit report where it won't effect my credit score so my credit score will go up to the pont like it wasnt ever there.
Can they actually do this? or is this a scam.

If I just pay the $1600 would it be the same with me contacting the credit bureaus myself?

Thanks!

2006-11-08 10:32:49 · 6 answers · asked by gmaddox562 2

my mom and dad are re-mortgaging their house. they told the bank all about their credit history, and they are ok with that. but they also told them that i live there, and my credit history sucks, because i've just gone through a divorce (my husband used to spend tons) and so i have judgements and things against me and my husband. will this affect my mom and dad's remortgage?? I hope not, it's got me really worried.

2006-11-08 09:53:05 · 7 answers · asked by Anonymous

2006-11-08 09:28:43 · 12 answers · asked by rbrtdhrty 1

Okay, yeah, I tried search engines but got mostly spam sites. Woohoo.

So my credit card limit is pathetic enough that it won't cover the cost of my flight home in the middle of December to visit the parents for Christmas. So my mom said I could just use her credit card number. I found a great deal at the travel agent. So, um, how do I go about using my mom's credit card then if she lives a few hundred miles away from me?

As you can tell, I'm a student who has never used a credit card before.

2006-11-08 09:27:52 · 7 answers · asked by Anonymous

i am in a lot of debt and was part of the armed forces.

2006-11-08 09:21:31 · 3 answers · asked by wondering ?? 2

I have a credit score of about 580 that i would like to improve... .. but I can't get approved for a credit card that I can actually afford up front.... Do I need to take out a small loan... is that even possible?

2006-11-08 08:22:32 · 5 answers · asked by crazyredkittycat 1

2006-11-08 08:08:08 · 5 answers · asked by Anonymous

If you dispute something on your credit report to try and get it removed (even if it is accurate), how long do creditors have to respond before it gets taken of of your report because they failed to respond to the dispute?

2006-11-08 07:57:37 · 5 answers · asked by bizzie 2

a friend who put me on his American Express for about 6 months. I also owe about $6000 in medical fees from 2 E.R visits in the past 3 years, will this affect me.

What happens if I get 2 secured cards and do good for 1 year, and not pay the medical fees.

I just ran my credit and it comes up at a fico of 642 the middle.

Please help I want to start building credit but I need to know how to do it the right way.

2006-11-08 07:26:59 · 7 answers · asked by Anonymous

Im considering refinance possibilities.

Current:
$67,600
1st mortgage - 7% - very recent refi previously done due to layoff.

$15,000
Line of Credit (sorta a 2nd mortgage) - 9% - full

$9000
Credit card debt - mostly due to layoff going from making
$70,000 a year to $20,000 a year.
Various rates among 3 cards (all same bank).

Refinance reasons is obvious.
But ultimate reason is consolidate.

Recent attempts at getting estimates find most of the choices
are that a new primary might not be good enough to replace current (except on rate), but the costs are such to make it almost not doable.

On 2nd mortgage, seems that its not doable in that some rates are even above my current avg rate on my debt.

Suggestions?

Im leaning toward doing nothing except locking the lineofcredit into a shorterm fixed loan and using a future cashflow improvement to pay off debt (cashflow improvement is a investment that will actually pay the mortga

2006-11-08 07:23:09 · 2 answers · asked by pcreamer2000 5

In 1995 purchased a GMC Jimmy from car lot in MI. Two weeks later vehicle was stolen from driveway. Insurance covered so much, but did not pay off loan. Now they insist I owe them $9000.00 Wich is hard for me to believe that I would have to pay for vehicle that I dont have. Anyways recently trying to buy a house, and had to pay off a few debts off credit report. Truck was on credit report,but said acct.closed. While paying other debts one company said they recently aqquired this debt, for the truck...I told them the acct. was closed per my credit report statement. they said that was'nt true. Now this has been 11 years ago since all this has started and I now live in AZ. Married with 2 kids and trying to buy my first home. Should this be off my Record by now? Or will I be haunted by this for the rest of my life? Any help appreciated...THX

2006-11-08 07:08:13 · 1 answers · asked by bad1bud 1

Is the middle 600's on a credit score plus 2+ years at my current job good enough to get maybe a $2000 approval? Needing a laptop and a digital SLR to get started hardcore on my photography and graphic design. So I need financing.

2006-11-08 06:56:30 · 4 answers · asked by Jenny 4

2006-11-08 06:52:22 · 12 answers · asked by pamela f 1

hes spent over 130 pounds already.. tryed working it out myself but really rubbish at math.

2006-11-08 06:34:22 · 15 answers · asked by lonely as a cloud 6

Like for a Gamecube game, cash is not an option.

2006-11-08 06:10:26 · 16 answers · asked by RokChik 1

has anyone heard of this? an alternative to using your SSN#..

2006-11-08 06:01:53 · 1 answers · asked by sugarbaby 2

I have had a few ppl in my life that took advantage of my credit and my money, when I was just out of High School. Now I have a child and a boyfriend. We are trying to get married in the next few years and buy a house, that we can call home. I checked my credit yesterday and I have about $16,000 in bad debt to pay for. I am not sure what are scams and where I should begin. I can only afford about $200 a month, maybe a little more at times, maybe a little less. Is bankrupcty that bad of an idea for me? And does it hurt you as bad as some ppl say? Is there any loan company that will give me a loan to pay it off and pay them monthly? This is so stressful, I am lost, I dont know where to go or where to begin. Most of my credit is medical bills....does that matter?

2006-11-08 05:40:19 · 8 answers · asked by Candi 1

My score for Experion is 680, should I expect the same with Equifax and TranUnion.

2006-11-08 05:31:56 · 13 answers · asked by Jaleßi 3

2006-11-08 05:13:45 · 12 answers · asked by pauldbrownlie 2

2006-11-08 05:03:43 · 6 answers · asked by chris p 1

2006-11-08 04:51:30 · 1 answers · asked by lbrodeo99 1

I know some one that has a Visa in their 1yr. olds name. Can she go to jail for that?? How will they find out??

2006-11-08 04:50:41 · 5 answers · asked by sw312 4

I have purchased a service from the nationalcreditreport.com and I pay for getting updates and notifications, for over a year many things have change, however no updates to my service, are those services scams?

2006-11-08 04:46:44 · 0 answers · asked by myentertainment.net 2

2006-11-08 04:38:54 · 4 answers · asked by Anonymous

i live in the U.S. and i want a prepaid creidt card. how do i get one and do i need a social security number?

2006-11-08 04:35:58 · 11 answers · asked by tweetstuff27 1

2006-11-08 04:34:41 · 2 answers · asked by Mike R 1

My fiance and I are going to start planning our wedding and want a credit card with a low interest rate. The Knot has a credit card, but the rate is 14%! Doesn't sound like a good deal to me. Anyone know of any cards similiar to this with a lower interest rate?

2006-11-08 04:12:58 · 5 answers · asked by ceesvamp 2