Credit - December 2006

I just recently paid off all my credit card bills from college and my score is fairly low since I was in between jobs and was late paying on most of the cards. I do not want another credit card ever. I do have an auto loan that is paid on time every month out of my paycheck, but will that be enough to raise my score? Or will I have to eventually get another card to pay off each month?

2006-12-21 03:26:51 · 7 answers · asked by chaotic_dreaming 2

2006-12-21 03:05:58 · 6 answers · asked by michael gb 1

Is it really possible to purchase a home without a credit check and and without a down payment?

2006-12-21 02:59:02 · 8 answers · asked by clint w 1

So, this summer, someone stole my debit card and spent almost $200 with it. Bank of America told me that they would credit my account the $200 if I brought in all the paperwork.

However, I was wondering--if something did something like this again, do you think that Bank of America would still credit my account?

That's why I'm scared to take it up with them because what if someone does this again and takes a lot more money from account. I'll be screwed then.

2006-12-21 02:21:12 · 7 answers · asked by Anonymous

im from Ecuador and over here its a good credit card, at Colombia too, but i went to Usa and i almost cant shopping nothing cause my so kinown credit card over there at New Jersey was just trash, ?? help me with this

2006-12-21 02:14:49 · 3 answers · asked by Viv 1

There is a collection agencie that has posted two times in october,once in november and two time in december on my credit report, can they do this? I thought there was a law for this. And they are all for the same debt. What should I do, its killing my credit the debt is from 2004 and I plan paying in one lump sum but I am still saving. Will have money in two months.

2006-12-21 01:39:17 · 4 answers · asked by steve 1

2006-12-21 00:31:37 · 7 answers · asked by Donn S 1

Me and my hubby both have some negative credit issues from the past, we have a baby coming and don't really see how we can consolidate our debt and pay yet another monthly bill. We were thinking about filing and starting over fresh. Has any1 else done this and if so what pos or neg impact has it had on you(ie prevented you from getting a car, house or whatever) I know it takes awhile(like 7 years i think) to be to get exonerated from your credit record but after that were you able to obtain more credit easily? Please be descriptive in your answers we really want good info so we can make an informed decision if we should even look into it or not. Thank.

2006-12-20 23:41:10 · 5 answers · asked by 1st- time- preggers 1

2006-12-20 22:30:06 · 5 answers · asked by zorro 1

Ferry travel or train...possibly hotel / eurocamp stay in central France.

2006-12-20 20:26:53 · 3 answers · asked by Anonymous

2006-12-20 18:42:52 · 12 answers · asked by lisa h 1

I recently sent out a check to my credit card's bank. Its been about a week and I have yet to see an update on my online statement saying that they received it. For peace of mind, is it possible that someone could have stolen it and cashed it in? Can you even deposit a check that isnt yours? Thank you

2006-12-20 18:37:35 · 10 answers · asked by Once in a Lifetime 1

I think I know most of it but I wana be sure because I have a friend who has given out personal info and SSN and they probably need help dealing with it. I have read that you can call and have stops put on your credit ect and I'm gona tell them to possibly do that. but what I really want to know is what exactly all can a person do with this info???

2006-12-20 17:18:09 · 7 answers · asked by magpiesmn 6

I keep thinking I am doing it wrong. I use to work as a loan processer, but all I had to do was enter the figures into CAYLX software and it did the math for me. So just to assure I am not screwing up... Can someone tell me how to come up with the monthly mortgage payments?

2006-12-20 16:23:03 · 5 answers · asked by SpoiledBrat 2

2006-12-20 14:54:54 · 0 answers · asked by Anonymous

- I have no credit history at all.
- Will have a co-signer (good credit) for loan.
- After 6 months, when credit is built, I plan to refinance and take the loan completely under my name.

I know the interest rate will be higher if I do this, but at least I give my co-signer some peace of mind. I just need to get my foot in the door.

Will I be able to do this? Why or why not?

2006-12-20 12:34:58 · 8 answers · asked by Anonymous

Right now, my credit is pretty horrible. I have alot of late payments and, after paying off two credit cards, they are now closed. I also have a closed credit card account that was charged off. So I have no open accounts on major credit cards. Which, frankly, works good for me. But to improve my credit report, I need to be using and paying for a credit card. This is my question: I do have an open account with a clothing catalog and Sears. If I charge something to them and then pay it off, will that be just as beneficial?? Or would it be a waste of time and effort? If I apply for a credit card, it will mean additional requests for my credit report, and they will probably turn me down.

2006-12-20 11:44:42 · 7 answers · asked by friedokra99 4

I am trying to get my credit report shaped up as much as possible before the summer. In addition to alot of late payments, I have a credit card that was charged off (and sold to another company?????) in January, 2006. I owed 2,100 on it. My question is this, which would be the best thing to do to improve my chances of getting a car loan: Try to pay off the amount that has been charged off (I don't even really know if I can do this) OR use the $2,000 as part of my down payment. I have the money I just don't know which action will be most beneficial for a car loan.....

2006-12-20 11:38:56 · 1 answers · asked by friedokra99 4

2006-12-20 11:25:53 · 3 answers · asked by jdsabo6 1

2006-12-20 10:35:08 · 11 answers · asked by nursesuperman 1

My sister went to a guy that told her he can clean up her credit by writting to the credit companies. Her score was 481. Three months later he was able to get her 100% financing for a new home. Has anyone had this done before?

2006-12-20 10:22:25 · 6 answers · asked by EILEEN G 1

2006-12-20 10:14:23 · 4 answers · asked by Angel 1

2006-12-20 09:36:54 · 10 answers · asked by adonis seeker 1

already have with a lower interest rate than what the first card will be after the promotion ends? My credit isn't GREAT, but it's not bad either. I know it will depend on a variety of factors, so I'm not looking for sound advice, but a gut feeling.

2006-12-20 09:17:21 · 4 answers · asked by Tonya in TX - Duck 6

I owe sears like $300 from twelve years ago. I was young and stupid and actually have paid off thousands in credit card debt since then.
Here's the facts :
The debt is from 1995, original amount of $295, the agency wants $700 now. The state is PA, there has been no activity on this account for over ten years. I admitted over the phone to some stupid collection agent in NV that the debt was mine from a long time ago, but haven't done anything else.

2006-12-20 08:29:39 · 12 answers · asked by Anonymous

bought funiture on personal credit card ($900.00) did not receive funiture. How long will it take to get my money back.

2006-12-20 08:20:27 · 3 answers · asked by upset 1

Freelotoo.com keeps on claiming that i've won lots of money. It's kind of funny because i don't have a credit card nor will i ever in the future. I want to claim my moneybut can't because i have no credit cards. This may be a dumb question, but does anybody out there know if they will accept a money order, that way they can't shaft me by misusing a credit card number? If not, how does a person go about unsubscribing, because nothing i've tried works.

2006-12-20 08:20:22 · 4 answers · asked by William L 1

I totally forgot to make the payment on a credit card. When I got my next bill it had the balance from the previous statement, a late fee and the new transactions. I paid the total balance as soon as I got the statement, and realized I forgot to pay the previous bill.Will this one late payment affect my credit rating?

I never carry a balance and pay the card off every month. This was a one time mistake.

2006-12-20 08:16:55 · 11 answers · asked by alanpks4 4

I would like to get my free credit report, I heard that you have the right to get one once a year, Would it count as an inquire when you order your free annual credit report?...I already have lots of inquires.

Thank you

2006-12-20 08:10:14 · 4 answers · asked by ticosport9 1

My credit score is between 520-530 and I don't own a home... is there any where I can get a personal loan? I already have one of those payday advances, so that's not an option. Am I screwed or what?

2006-12-20 08:07:21 · 6 answers · asked by Alwayz Learning 1