Credit - December 2006

I was wondering if anyone knew a place I could go to online to see my credit score for free and wont have to use a credit or debit card? Please help! Thank you.

2006-12-28 17:01:20 · 3 answers · asked by Anayden 4

After 8 months of trying do get a business off of the ground, my husband has really put us in the hole. We cashed out all of our 401(k) and now have a debt of $30k. There is no more home equity to cash out and we haven't made a credit card payment since August.

My husband now works in the field he was in prior to his business but at a job he's overqualified for. He's been searching for a better job since May but nothing has worked out.

Credit Counselors say they can't help us until we have a balance budget. Bankruptcy Atty say they can't help us until we have a balance budget.

I've written to all the creditors explaining that we do want to pay off but we don't know when. It's all based on when my husband can get a better paying job. At this time we can pay our 1st and 2nd Mtg and truck payment.

He doesn't want to get rid of the truck because we use it so much. My car is virtually worthless. '99 with 80k on it.

I'm working a part time job, too.

What can we expect?

2006-12-28 16:57:50 · 4 answers · asked by allisoneast 4

2006-12-28 16:53:39 · 1 answers · asked by bed_mohapatra123 1

I am a student with about 3 years left of school before I start making money and I have some serious credit card debt! I owe about $12,000 to Visa and about $7,000 to AMEX. Most of that money has gone to tuition, books, & fees not covered by aid and loans.
I have been reading other post about this matter and am kind of confused. Should I contact the creditors before they go to a collection agency and try to work out some kind of deal (like litterally pennies on th dollar)? How long before they sell the account to collections? I want to call them tomorrow- I've been avoiding their calls like the plague! How do I clear this up? Can I?

I have no income but my parents offered to help as much as they can. If they take me to court what can happen (supposedly I already have a case number) since I have nothing and no income? I've heard some people say that when I call them I should say something like, "I'll pay you *** if you agree to take this off of my credit report." Can I really do that?

2006-12-28 16:51:06 · 10 answers · asked by macboy987654321 1

2006-12-28 15:42:48 · 8 answers · asked by Cuttie 1

2006-12-28 14:48:11 · 9 answers · asked by kg 1

2006-12-28 14:43:13 · 5 answers · asked by -Goddess- 4

2006-12-28 14:38:45 · 3 answers · asked by kg 1

a Vietnamese want to pay my sea shells using L/C or letter of credit , is letter of credit ok ? how does it works ? do i have to pay for the shipping of the shells to his country , he is going to oder 11 tons of shells .

2006-12-28 14:34:29 · 2 answers · asked by Anonymous

I bought this game from Ebay called Shenmue II for PAL Dreamcast supposedly in mint condition. I bought it on Dec. 16, 2006. He collected the money from my mom's credit card for $106.66 dollars that he took out on the Dec. 22, 2006. I paid with paypal. Today is Dec 28, 2006 and I still haven't received my item. I sent an email to him already on Dec. 25, 2006. He hasn't replied to my email. What do you think?

2006-12-28 14:19:16 · 7 answers · asked by Daniel C 1

I was served papers -" to appear by filing a written answer the petition of plaintiff" How do i do this? I cannot afford an attorney (it was a credit card co charge-off and i wrote a cease letter to collection agency 8 months ago)

2006-12-28 14:10:25 · 11 answers · asked by gcutter 1

what does your credit score have to be at the minimum to be able to get a car? no smart-mouths either, and what are some ways to build up your credit score? I'm only 19

2006-12-28 14:09:38 · 0 answers · asked by ? 2

I owe the bank $42,000 and they are trying to take me to court. I received a $50,000 check from a music firm in pakistan. The bank cleared the check in 2 days when I had $80 in my account - odd in itself - then 2 weeks later OFAC (US Treasury) stepped in and said they want to place a hold on the check - I had paid off alot of debt $42000 and the bank screamed for the money instead of working with OFAC - since then they insisted a promisory and a home lien.
Now after 6 months since deposit they are pushing to get a sale of the home - well - they are pushing for a default court judgement on the promisory - I have a 6 year child with serious aspergers syndrome (like autism) and it is not possible therefore for me to work outside the house. Are there organizations that can help? Any legal stance my lawyer should try? Does bankruptcy protect me? Will they send the sheriff to take everything I own?

2006-12-28 13:58:35 · 4 answers · asked by thamilton164 2

had traffic accident,blanked out,damage on vehicle,had it voluntarily repossessed,applying for disability,have no income and no assets in my name.

2006-12-28 13:54:19 · 3 answers · asked by rodfcutler 1

credit cards this month? I already bought alot last month and this month is it ok?

2006-12-28 13:32:09 · 9 answers · asked by LiLi 2

2006-12-28 13:19:30 · 2 answers · asked by Sunshine 1

2006-12-28 12:20:57 · 16 answers · asked by Barry P 2

Any particular agencies or sites that you have used and can recommend?

2006-12-28 11:54:28 · 5 answers · asked by kildarner 2

I was just busy over the holidays and missed it. I paid it on my computer after I got off work last nite, but I am so embarrassed because they called me at work and wanted the payment then and their like I was some kind of a criminal.
Will this cause any adverse affect on my credit worthiness?

2006-12-28 11:24:29 · 10 answers · asked by happydawg 6

can you use american express gift cards online???

2006-12-28 10:47:11 · 4 answers · asked by Kitsch Nouveau; 2

is that good deal or not...?

2006-12-28 10:30:54 · 16 answers · asked by sugarbaby 2

2006-12-28 10:27:24 · 5 answers · asked by Kaitlynn D 1

is it true that by seeking information from various lenders on good rates for a car loan or personal loan your score won't go down and you won't have multiple inquiries?

2006-12-28 10:21:30 · 8 answers · asked by sugarbaby 2

Just wanted to ask if a merchant/travel agent is legally allowed to copy my driver's license and the credit card and keep? I recently did a large transacation of about a thousand dollars with a travel agent. After processing the payment, the agent took a copy of my driver's license and credit card with him. I was wondering if its legally allowed to do so? I was concerned he may post a transaction maybe an year later on my card, and I may be too busy to notice it. Is it all possible?

2006-12-28 10:18:44 · 14 answers · asked by truly_yours 1

LIKE PLACES IN LA LIKE BANK OF AMERICA

2006-12-28 10:18:21 · 3 answers · asked by magicdonjuan_123 1

I received a letter from a collections agency a few days ago. The agency is trying to collect on an a ten-year old phone bill that is now in the hundreds of dollars.

The delinquent account has not shown up on my credit report and I have a very good credit rating. Some credit applications I submitted in the past have been denied citing "too many delinquent accounts."

I never knew about the old phone bill or I would have paid it off. Now I am stuck with the decision to pay the bill collector or forget about. What are the pros and cons of tossing the collections letter in the trash?

2006-12-28 09:51:35 · 13 answers · asked by listo330 1

does neone know someone i can trust and not just rip me off like most places do? i really need to clean up my credit to buy a house. thanx.

2006-12-28 09:26:00 · 9 answers · asked by sassylilb68 2

They're telling me it builds credit if I pay montly and on time. My question is, as long as it gets paid, who cares? Should I pay monthly or what?

2006-12-28 09:16:53 · 21 answers · asked by Allen 3

I am applying for a student loan, and I don't have a co signer and I have bad credit, my goals are on the line here, cause school starts next week. could anyone help me to know what ways I can do to get a loan, even if I have bad credit and no co signer with no money down till after I finish college

2006-12-28 09:10:10 · 5 answers · asked by Anonymous

I attended a training school that is currently closed down and no longer exists. It has been 6 years since I attended. I am now getting calls from a collection agency that says I owe them money regarding the classes that I took at the school. The credit agency will not give me information about the classes that I took and the fees. The collection agency was very unhelpful with providing me informarion about anything. However they did have the last 4 digits of my SSN. What should I do for them to leave me alone and prove that I do not owe them any money nor do I want this to show up on my credit report?

2006-12-28 09:05:21 · 6 answers · asked by Key Key 2