Credit - December 2006

Does any1 know of any sites or information on how to best clear credit card debts quickly and efficicently. My girlfriend gets a bit trigger happy with the things and i think its time to get them cleared and cut!

2006-12-10 03:20:27 · 11 answers · asked by McShootyFace 2

Trying to buy a house after the 1st of the year. Have disputed everything on credit reports. Trying to boost my score. Need some positive things to add to my report w/out having my credit pulled. Merchandising or credit card companies such as Crown Jewelers do not look at credit to extend a limit. They will however report positive to credit bureaus. If anyone has any recomendations please post........Thanks!

2006-12-10 03:15:01 · 4 answers · asked by jr39302003 3

i'm at a standstill. I wrote a dispute letter to the collection agency asking them to show proof of mydebt and I got a letter back saying they did not have enough information and returned the debt to the original creditor. The original creditor is requesting I call them. I have no inetention of paying this debt and I'm afraid if i call them they will just try to run circles around me. Where should I go from here? should I write a disupte letter directly to the original creditor and request all correspondence be done through mail? If I refuse to actually call them can they deny me proof of my debt?

2006-12-10 03:10:39 · 5 answers · asked by Shugsmom 3

A couple of months ago, my friend used my information for what she said was 'co-signing' a loan for her, since she didn't have the credit rating to be able to get it on her own, and really needed it at the time.

It turns out she ended up signing up for a credit card in my name, with her as a joint user on the account. She then proceeded to buy a $1500 bed using the account, and has been late on payments, even though, after I confronted her on this, she told me she paid it off.

She continued to change her story, now saying she sent payments. Today, I talked to the collections department for the credit card, and they told me they haven't received any payments on it, and tomorrow the account goes down as being over 30 days late on payments.

They gave me the fraud number, but I don't know if I should report this friend. I've known her for over ten years, and even though she's been abusing my trust and kindness recently, I worry what may happen if they charge her with fraud...

2006-12-10 03:07:55 · 11 answers · asked by Anonymous

havent got any ccj's or anything but have had one or two late payments this year. how much can these effect ur credit score.

2006-12-10 02:53:16 · 12 answers · asked by Anonymous

Do you know what your score is
Need to be at least 630.

Dont use a credit card with a limit of $ 500.00 no more that $200.00. Do you know that can mess up your credit

2006-12-10 02:45:19 · 2 answers · asked by Millenium Plus 1

If I have a bill due today can I still pay it with out them adding the extra $25 to the bill or should I have paid it yesturda? It's due today ---and I'm payig it today (I should have done it sooner) but will they still add intrest or whatever it is. . . I've never had a credit card before (I've been pretty responsible up until today)

2006-12-10 01:55:53 · 3 answers · asked by ari 2

should i be alright since it was a secure site?

2006-12-10 01:35:09 · 6 answers · asked by Dan 2

I thought there was a law about when bill collectors can call you? What are my rights and what can I do about it if they call anyway?

2006-12-10 01:19:19 · 16 answers · asked by Anonymous

pay citi financial loan on line

2006-12-09 23:20:27 · 4 answers · asked by carlos rasta 1

2006-12-09 23:18:27 · 4 answers · asked by cbkingone 2

2006-12-09 20:56:14 · 8 answers · asked by amrit t 1

i charged a total of about 480$ on a 500 dollar card. what is the best way to not hurt my credit. this is my first statement ever. does this mean i messed up my credit already?

2006-12-09 20:53:33 · 6 answers · asked by Anonymous

The place burned down this past september, and the insurance company won't pay me the remaining balance owed to me because i don't have the title to the place. i did some homework and discovered that the park actually financed to me a mobile home with someone else's name on the title! the park says that they will file for a title but that was back over 8 weeks ago. do i have grounds for a lawsuit? i have heard that a mobile home was similar to a car; when you get it, the title comes shortly. i never saw the title to mine. all i have as proof of ownership is the contract. is this illegal? should i hire an attorney?

2006-12-09 20:21:51 · 3 answers · asked by Anonymous

I have a small amount of money coming in and since I have been late paying my cc bills, I was wondering if anyone had any advice on trying to negotiate a settlement amount with my credit cards directly?

2006-12-09 18:43:31 · 6 answers · asked by Xuxu8765548034567680 2

2006-12-09 18:34:03 · 4 answers · asked by caddyman 1

I have a hospital bill of $101,000.00 and Physicians fees of $38,000.00 with no insurance in sight. I also have racked up about $30,000.00 in various credit card dues. I've never missed a payment on the credit cards for over 18 years thanks to a little help now. I am currently disabled with no resources except food stamps and also are unemployed. I've applied for SSI, SSA and Medicaid but I do not fit their definition of being disabled. My doctor's have pointed out and provided testimony on paper that my medical condition will have to be followed up for years and that I am not to work or drive until they decide it is safe. I had brain tumor surgery with a side order of uncontrolled grand mal seizures. I'm on the road to recovery but it will be well over 12 months with expensive tests in between.
$3500.00 for MRI's twice a year to monitor for recurrence of tumor.

Any sane advice would be helpful. Bankruptcy? Flee the country?
Just jokin.

2006-12-09 18:03:31 · 6 answers · asked by Anonymous

2006-12-09 17:07:46 · 3 answers · asked by teta 1

I also pay mortgage, around $2300/mo, around $860/mo for the car. Income is $95k/yr and about $8k/mo. I know that lenders tend to have a limit of some percentage of your income allowable to be used up in credit, but what percentage is that? How much more credit can I take for another car?

2006-12-09 16:48:15 · 12 answers · asked by Anonymous

im only 16, but im looking into ways that i can buy things online without a credit card (dont have one) or sending money orders (dont like to)....do any of you know about a reloadable card that can be used to make purchases?? i've heard walmart GIFT cards can do that.

2006-12-09 16:43:21 · 7 answers · asked by Kekoa g 1

With all the identity theft going on these days, why don't the credit card and loan companies require a fingerprint to prove identity? You know, ask certain questions that only the person applying for credit would know (birthplace, mother's maiden name, streets you have lived on, schools attended, etc). I know these are general questions, but would a thief go through all the trouble to find out all these and more answers? Then once the company is satisfied with the answers, send a signature required package to the home address of the applicant, with instructions on how to obtain the fingerprint. Then change all the machines in the stores to be able to scan the fingerprint to verify identity? Does anybody else think this is a good idea? I know it would be a tremendous amount of work and $ for the companies to switch over, but in the whole scheme of things with all the money they lose yearly to identity theft, it makes complete sense to me. What do you think?

2006-12-09 16:35:41 · 4 answers · asked by mommy 3

2006-12-09 15:39:00 · 3 answers · asked by Margaret G 1

I have no money. We have had a very hard year. I cannot pay these bills. i have 2 credit cards turned over to an attorney and a hospital bill at collections. My credit is already shot, after everything that has happened this year. Everything i own has a bank lean on it. What can they do to me now?

2006-12-09 15:32:29 · 10 answers · asked by Lola H 1

2006-12-09 13:54:26 · 9 answers · asked by Anonymous

Not a debit or anything.

2006-12-09 12:56:46 · 14 answers · asked by dajet00 1

i had a car repo'd....they resold it....i owe them like 4 grand,....can they garnish my wages?

2006-12-09 12:16:44 · 8 answers · asked by niner_72601 1

i bought a car from the used dealership in april and i have been making payment ontime and everything now i just went today to kay jewelers and i had applyed for their cards and i was not approved for nothing and i asked if my car showed up on the account and nope nothing not to long ago i had called them it was about a month ago i called my finacial and they said they had reported it but kays told me they should have reported a long time what do you think i should do

2006-12-09 12:08:35 · 4 answers · asked by dsm562 3

2006-12-09 10:47:51 · 4 answers · asked by PIMPIN T 1

They Know I lied. I am tryin to open up other bank accounts and clear my credit.

2006-12-09 10:45:48 · 7 answers · asked by PIMPIN T 1

2006-12-09 10:26:43 · 9 answers · asked by twistedsingle 4