Credit - December 2006

I have 1 30 day late payment on my mortgage because my payment got bounced due to incorrect account number given by phone and I didnt' realize this until after 30days, which by then they had reported it to the credit bureaus. Overall I have excelent payment history, I own 2 homes, 2 cars, 4 credit cards. All my creidt cards have 0 balances except for 1 which has a 80% balance.

2006-12-15 08:52:59 · 6 answers · asked by Anonymous

When you apply for a loan or credit card, the creditor appears on your credit report. Is there anway to erase those inquires?

2006-12-15 08:42:48 · 10 answers · asked by Little Hulk 1

what happend if i order a credit card, it came in mail but i don't want to activatet do i call the company to cancel? will this hurt credit usually how many days for activation?

2006-12-15 08:37:46 · 5 answers · asked by Anonymous

what happens when you loose your S.S number?
i didnt loose mine im smart enough to keep it somewhere safe

2006-12-15 08:37:42 · 3 answers · asked by gigi 3

If there is no set amount, is it bad to dispute it many times? Can it affect you negatively in anyway?

2006-12-15 08:34:40 · 6 answers · asked by Little Hulk 1

My friend doesn't have a checking account so I gave him cash for it thinking I wouldn't have a problem since it was gov. issued. But now I'm not so sure.

2006-12-15 08:34:18 · 6 answers · asked by Heather 2

This company has the same message but use different numbers and when I called the Fair Trade Commission they said to get the name of the company which the company will not give me when I call this number. I explained they have the wrong number but they keep calling anyways. I am disabled and frustrated with them. One of the numbers they leave a message for me to call back at is 866-530-3819 . Does anyone know who this is so I can send them a certified letter telling them to stop harrassing me?
Also any other advice I can do to make them stop? Thanks!

2006-12-15 08:01:39 · 6 answers · asked by Why Bother 1

increasingly without having solid financial planning knowledge. To many Americans are at the mercy of slick bank credit card promotions without a warning label for "Warning: Could be dangerous to your credit rating".

President Bush is an advocate of "If you spend it, you pay for it". Meaning he doesn't give a cr@p about you or me when all we had was a high school education and a minimum wage job. He was born with a silver spoon. Never worked his butt off just to make the rent payment.

Our government officials need to come out with an understanding that Americans having a lack of debt control. Its not instructed in high school. Basically, studies with goverment garuantee the banking industry over use of credit and the failure for Americans to maintain a good credit rating.

2006-12-15 07:59:05 · 5 answers · asked by JOHNNY D 3

loans for say £8k?

2006-12-15 07:58:57 · 11 answers · asked by Tiki 2

i have a default notice on my credit score and it is seriously affecting the credit available to me. It is not a big credit default and was due to a mistake on the part of the company. They don't acknowledge this and i want to know if i can do anything to get my credit score up regardless.

2006-12-15 07:58:08 · 19 answers · asked by Tiki 2

2006-12-15 07:39:19 · 14 answers · asked by jfebrown 1

I applied for a credit card and got a denial letter. But in the letter it says the reason for denial is because:

"Your credit report reflects charge off(s) or bad debt collections(s)"
"Your credit report reflects delinquent past/present credit obligations"

I don't understand this. I have a cell phone but I always pay on time. Otherwise I don't have any bills and I don't owe any money. I thought if I got turned down for the credit card it would be because I have no credit but this denial letter is confusing me. I called the credit card company and they were very unhelpful. When I called the credit report company, it was all automated.

2006-12-15 07:16:00 · 5 answers · asked by Anonymous

2006-12-15 07:14:14 · 19 answers · asked by Sue K 1

2006-12-15 06:52:10 · 6 answers · asked by vietdoode4o8 2

who do i Hire to help me clean my credit report?

2006-12-15 06:51:02 · 3 answers · asked by studiocruelew 1

How do i clean up my credit report. I have paid balances on it and non paid. No one has sent me any bills Im not sure what i owe out.
Is there a service a can contact to help me with this?

2006-12-15 06:38:41 · 5 answers · asked by studiocruelew 1

2006-12-15 06:29:08 · 3 answers · asked by leverenzmark 1

2006-12-15 06:23:13 · 7 answers · asked by Babes 1

2006-12-15 06:11:23 · 5 answers · asked by CALI GIRL 2

What are yuor rights as a victim of a bounced check?

2006-12-15 06:10:18 · 4 answers · asked by DEREK O 1

2006-12-15 05:52:03 · 4 answers · asked by DEREK O 1

i'm lookig for somone that lives in rochester new york to respond to this only becasue i live in rochester new york and my situation is i dont have a credit card. i wanted to get this magenta razr phone sent to my house i was wondering if anyone would help me by letting me use their credit card to pay for the phone (it's $50 maybe $53) with tax i will mail them or give them a check for the amount due i will trade numbers, my address, and any other info you will need so you can know that i am not trying to pull some prank on anyone.i am getting on the plan but this will NOT mess with any of your money but how much the phone cost thats it. i'm paying for my own bill, i have cash for my bill i just dont have a credit card for shipping of the phone. email me your answer at chastitysingletary@yahoo.com i'll give you more information when someone contacts me. again, i know this sounds crazy, but please just hear me out .thank you for you help.

2006-12-15 05:27:24 · 6 answers · asked by chastitysingletary 1

credit card. The reason i asked was because i want to buy a few things over the net but they only want credit card users. I have a debit card but this isn't much help. If e-bay and amazon had or have physical shops where a person could just walk in and buy what they see would be good but i don't know if they exist in the UK. Do you think the banks could help.

2006-12-15 05:21:38 · 11 answers · asked by Anonymous

Will they send it to you and how exactly do you end up paying for what you order?
For exacmple:
I ordered something online and my pay options were credit card or by email...
I chose email and then a page with "my receipt" came up?
What does this mean?

2006-12-15 05:14:24 · 4 answers · asked by Anonymous

They have you sign a form saying if you don't close within so many days they can charge you more interest and costs. I am having trouble getting them to check things they say the appraiser said needed to be fixed. They have been fixed for some time but still no recheck. Time runs out for the extension on 12/20. Then I pay more. I asked and they say this happens all the time. Is this just their way of getting more money out of the person applying for the loan?

2006-12-15 04:57:10 · 4 answers · asked by Smiley 1

I do not want to refinance my 1st loan, but like to get a 2nd and get cash out..would this be possible?

2006-12-15 04:14:15 · 4 answers · asked by mcoopd1 1

i just balanced my check book and payed some bills, now i am depressed...

2006-12-15 03:54:08 · 52 answers · asked by mmh 4

2006-12-15 03:24:09 · 6 answers · asked by ness_fahd 1

I can not control my spending. ugh

2006-12-15 03:15:48 · 7 answers · asked by kaaykes314 2

I wrote a check out for my credit card bill that was due on the 3rd as I was balancing my checkbook I realized that I had sent them just the statement back..it is now the 15th what should I do? Also can I negoiate my APR?

2006-12-15 02:23:56 · 7 answers · asked by asexystudd 3