Credit - November 2006

I just finished paying off some credit card debts I had for a year or two (I'm 22).

In the next couple of years I'd like to get an apartment, a loan and a new car.

What's the best thing I can do right now so that my credit is excellent when I want to do these things?

I'd really prefer NOT to have a credit card at all, but is that my only way?

Thanks!

2006-11-27 12:50:48 · 8 answers · asked by koifox_104 2

I have a collection agency harassing me and have been told I can report them. First of all, I would not be returning their phone calls if I had no intention on paying them. But they want my checking account numbers before I even have a statement. They said they have sent me two and I stated I did not receive them. THey flat out called me a liar and asked me if I knew how to check my mail box! Then I told them I could pay them next month, they offered me a monthly payment option for three months. Then they asked if I could pay it all. I said I was offered a 3 month settlement and they called me a liar stating they recorded me saying I would pay it all in December, full amount. I was actually called a liar by their supervisor! I was so upset I was in tears. Why would I call them back and try to work something out if I had no intention on paying. They say I am avoiding my responsibilities and have no intention on paying. I feel they need to be reported and wonder how I go about doing this

2006-11-27 12:45:51 · 8 answers · asked by Traci C 2

We are hoping to get a loan for a max amt of $30,000. We want to pay it of in 5 years or less. What are the odds we'll be able to do that w/o getting ripped off? Oh, we're military too...if that helps. Any advice would be great! Thanks!

2006-11-27 11:53:21 · 5 answers · asked by Renee B 4

I am a college student and would like to apply for a credit card to start building my own line of credit, to be honest i dont plan on using it at all, just for emergency type of thing. But if i do not make any charges on the card, can companies still charge me a fee??

2006-11-27 10:39:09 · 10 answers · asked by embabe232 1

I have bad credit and it is a personal loan but they want me to put down a security deposit of 1300.00 and to Western Union it to them and they will put the requested loan amount in my account within 24hours-Does this sound like a scam? Should I do this? they gave me a contract-is this legite?

2006-11-27 10:20:38 · 13 answers · asked by VEE C 2

Although I've read that it's against credit card company rules for merchants to use a minimum purchase amount, I was wondering if there was "etiquette" for using cards.

When I was young I was taught not to use a credit card if the purchase was below 20 dollars, and that you should use cash for something less than 20 dollars. Not because of the credit card fees that a merchant has to pay, but that it was rude.

Anyone else ever taught this? If merchants don't ask for a minimum, is there a standard? Or were my parents just strange?

2006-11-27 10:15:25 · 5 answers · asked by Bookworm 6

2006-11-27 09:47:16 · 19 answers · asked by Gabriela R 1

i have a 300 line of credit and cash access line of 60 bucks.

on top of the check it says "use the check attached below to access your available credit" what? i use the check not the card?

2006-11-27 08:42:58 · 5 answers · asked by Anonymous

2006-11-27 08:16:22 · 7 answers · asked by 1authority 2

I was going to settle with a collection company for a certain ammount. The only thing is I cant come up with the other ammount they want? Can they sue me. I still want to make payments to them but it will have to be monthly.

2006-11-27 07:42:04 · 9 answers · asked by mj29@sbcglobal.net 2

trying to establish good credit is hard when no one will give you a credit card.I have one secured card I use with perfect payment history and no other open accounts. I have paid off all past collections on my report and scores are low to mid 500's. I cannot get approved for a credit card anywhere! Any ideas?

2006-11-27 07:00:57 · 0 answers · asked by karen_michele_1122 2

2006-11-27 06:57:26 · 13 answers · asked by Anonymous

I am about $10,000 in debt, both credit cards and medical bills. I think I have a total of about 6 or 7 credit cards. I am a college student who makes less than $2,500 a year. It's really hard for me to find a job and the job I have is just a work study job on campus. I have collection companies threatening to sue me for my debts. I am currently paying a collection company but there's no way I can pay them all. I only make like $250 a month and I send pretty much all of that off to bills. What will happen if I don't pay these creditors and their collectors? What should I do?

I will appreciate any advice. I am very desperate for help!

2006-11-27 06:49:30 · 10 answers · asked by Anonymous

A relative came and stayed at our home for a few days. They had access to our home when we were at work and so they could have easily gotten all of our information. Now I find that they have stolen from other relatives and committed identity theft in the past! Is there anything we can do to protect ourselves from accounts being opened or loans made in our name?

2006-11-27 06:45:59 · 10 answers · asked by Anonymous

My son has left home owing monies to a major credit card company and has left me and his mum with no contact. what lengths and procedure do these companys go to to track him down and get their money...He is over 18.. we are frantic..!

2006-11-27 06:13:41 · 6 answers · asked by Anonymous

2006-11-27 06:10:24 · 5 answers · asked by RPD1977 1

I received a credit card in the mail that I didn't sign up for. This company called me up couple of times and I told them I was not interested and to take me off their list.
They agreed and still sent me a card.
They only have the activation phone number which has only two opitons...1 activite your card and 2 hang up
.....and no other enquiry line number....

2006-11-27 06:08:36 · 15 answers · asked by Island Girl 5

My son has left home owing monies to a major credit card company..his address for this debt is my own and my wifes. we do not have any contact with our son as he just got up and left with no contact address..where do we stand as his parents as this is not our debt...

2006-11-27 05:59:01 · 9 answers · asked by Anonymous

i need money but dont know how to get it fast!

2006-11-27 05:54:15 · 13 answers · asked by Anonymous

I am in need of a vechicale and all I found are web sites promising me a loan but must first get approved for it or go see the dealer.

2006-11-27 04:53:17 · 5 answers · asked by Timothy F 1

A collection agency called me and told me that i was being labled as "refusal to pay". I owe them $788. They also told me to have fun for the next 7years. I live in Illinois how will this affect me?

2006-11-27 04:50:28 · 7 answers · asked by Anonymous

how do i file banruptcy for 7 different problem? Do i call every single company and tell them i wish not to pay anymore. I have a car, medical bills from 3 different hospital, cell phone bill, and education loan. my question is do i charge on my credit for every since different company or it would be just one over score taken off. im only 21 i heard that this will stays on my credit for 7 years then remove or dismiss however they do, so by then i will be 28 years old, Im pregnant and im wondering if im going to need any help rising a kid for the next 7 years from any of these company i want to know if im going to regret it in the long run, i want the best life for my baby i don't know if filing banruptcy will affect his or her little life.

2006-11-27 04:45:13 · 4 answers · asked by brazilian women 1

Dial 1-888-5-opt-out you can stop them for 5 years or permantly!

2006-11-27 04:25:54 · 5 answers · asked by wish I were 6

My credit card company is charging me a $90.00 late fee because they say my payment was late. As long as it is postmarked by the due date isn't the payment considered on time? Thanks.

2006-11-27 04:24:37 · 15 answers · asked by Bridezilla 2

Any tips on what to do to make me look more eligable for more credit, or any general credit tips?

2006-11-27 04:07:30 · 6 answers · asked by Anonymous

What is the minimum amount that someone should spend annually to qualify for the Centurion American Express? What is the annual fee on the card? Thanks.

2006-11-27 04:06:21 · 4 answers · asked by Dimi 1

2006-11-27 04:03:30 · 16 answers · asked by Anonymous

I filed for Chapter 7 bankruptcy around January 2005 and was discharged somewhere around March or April 2005. I have been getting credit card offers ever since. I think I remember my attorney saying that it would be ok to get a credit card after a year or so after me being discharged. I don't even know if a credit card company would approve me and if they did they'd probably have me pay the $200-$300 or whatever amount it is. I've lived without credit cards for over 2 years and if I got one it would be for emergencies only. Any advice please.

2006-11-27 03:57:42 · 5 answers · asked by october g 3

I transferred out of state 1 1/2 years ago with my job. I had no time to sell it and now it is scheduled for foreclosure. One option the mortgage company gave me was to list it with a realtor or give it back to them. If I give the house back to the lenders, how does that show up on my credit? How does it affect my score? And how hard will it be for me to purchase a home in my new state?

They won't let me make payment arrangements since I'm not occupying the house and I can't afford to pay in full $15,000 they're asking.

2006-11-27 03:43:27 · 6 answers · asked by Getsbetterwithtime 3

Are there any courses for certification or any professional designation for credit experts, debt counseling, FICO score interpretation and improvement, etc...etc...etc...???

I've searched online and have only come up with FICO in regards to technology and accounting programs...

My goal is to have a total understanding of how FICO is calculated and to what extent different financial moves impact your credit score...

2006-11-27 03:33:29 · 6 answers · asked by akaagassi 2