Credit - December 2006

is there such thing to get a credit card, but you put money on there so you can buy things online?

2006-12-28 09:03:32 · 7 answers · asked by elektra 1

I currently have a Bank of America credit card in which I earn no rewards from using. Because I'm starting to use it more and more, I've decided it's time to switch to a credit card where I can earn rewards. I'm wondering if people have suggestions on the best credit card to get based on the rewards/incentives associated with it?

2006-12-28 09:02:56 · 6 answers · asked by Gal E 1

I am looking into getting out of my 12 month lease after only 6 months due to a new job in another city. Any tips on breaking this lease without penalty, if possible? Also, would an eviction hurt my credit?

Thanks in advance.

2006-12-28 08:48:52 · 6 answers · asked by Sarrah 1

until we are made permanent residents.does anyone know how we can get around this?

2006-12-28 08:43:20 · 2 answers · asked by ladycindy1701 3

2006-12-28 08:43:01 · 5 answers · asked by healthy life 2

creditors with my new address and carried on paying everyone, and after about a year, i asked this particular debt collector (who was working on behalf of barclaycard) for a new payment book and I never heard a thing back from them at all, Now 6 years on they have again sold the debt to another firm. the (cab asked them to write the debt off 12 yrs ago but they refused) what should i do about it, does anyone know where i stand legally, they are asking for 300 pounds to clear the debt, it was origanally a barclaycard account, who wouldn't stand by me when my marriage broke up, etc. and they put it into the hands of a debt collector, and now they have sold it on again after all this time. I really dont know how to go about dealing with it.. I would really appreciate some advice. Thank you.
kriss.

2006-12-28 08:39:56 · 15 answers · asked by khriss47 1

this has messed up my credit record real bad. as the loan is still outstanding. is there a way to get out of this?

2006-12-28 08:32:47 · 10 answers · asked by nwanso_nguti 1

can no longer pay car payment what to return car.

2006-12-28 08:30:43 · 9 answers · asked by nanamo 1

2006-12-28 08:09:32 · 4 answers · asked by Monkeylynn 2

Now what? They showed me the papers containing the original contract I signed, and I know I should pay something, but the debt is 4 years old, they are re-aging the debt by adding their entry and the original creditor has not been omitted - so I have been double whammied (the coll. agency sent me a form letter and has never call me) AND when I called them, they want 70% of 6K, for a car that got repo'd because it was a lemon and I became unemployed.

Also: why do people get mad when people don't pay certain bills, when most creditors (not talking Mom, I mean huge credit card co.'s) pad their late fees, run up interest rates without notification, and are generally miserable people to deal with as soon as you commit the slightest misstep? And collection agencies buying debt for pennies on the dollar and charging 70-80%? It just seems over the top. It just seems that when the little guy falls on hard times - it's vicious, costly and timely.

2006-12-28 07:40:16 · 7 answers · asked by Jess T 3

what should i do? should i file a chapter 7 or 13?

2006-12-28 07:31:56 · 6 answers · asked by jtrois 1

Okay, lately I have been getting junk mail, junk magazine, and junk stuff (like cup, stopwatch and so on) they send me a bill along with it. Of course I didn't order it and I don't know how they got my address, anyway, it is a good business practice. I don't think I will return stuff to every single one of them. Now my question is, if I just ignore all of them (keeping the stuff... hell no, I am not returning, waste time and postage), would it affect my credit score!???? btw They are not charged in my credit cards

2006-12-28 07:12:18 · 13 answers · asked by LetMEtell&AskYOU 5

there has been no correspondence from UAC for 8-10 years. He figured the balance of 2500 had been written off. A local car dealer, looking at his credit, told him that it appeared to be so. He has since obtained a mortgage without any mention of this debt. Now a collections agency has contacted him in regards to the balance. What should he do??

2006-12-28 06:50:29 · 9 answers · asked by brian m 2

I co-signed with my brother so he could get heavy equipment operator training. In good faith that he would pay the loan back. He lost his job after six months and they didnt help with job placement again like they said they would. The loan has been in forbearance. We actually thought it was for about 5 months and found out that it wasnt. But they worked with us and my bro. finally got all the papers filled out properly. The loan is in forbearance right now. However I want my name off of it before payments are due again.
PLEASE HELP!!!

2006-12-28 06:33:11 · 8 answers · asked by Anonymous

I have a small business on which I have a SBA loan thru a small local bank. I am currently 4 month behind on payments. Now - all of the sudden a week before the end of the year the banker wants me to catch up on all payments. Why is it to his advantage for me to be caught up with them by the end of the year?

2006-12-28 06:10:52 · 3 answers · asked by Ralph 7

i have gottten negative on my debit card... does that mean that ima have bad credit?

2006-12-28 06:01:21 · 19 answers · asked by Anonymous

agency once or twice a month? And also how long does it take for payments to start posting ?

2006-12-28 05:52:11 · 8 answers · asked by Dark & Lovely 1

2006-12-28 05:37:00 · 6 answers · asked by Anna G 1

I currently have an IVA and pay £350 per month.

Would it be wise to go bankrupt so I dont have this big monthly
outgoing? and also what is the disadvantage of becoming bankrupt compared to having an IVA?

2006-12-28 05:35:29 · 8 answers · asked by paul a 1

2006-12-28 05:24:47 · 4 answers · asked by mcg 1

My best friend's credit score is about 550, and she wants to lease a car and possibly buy a house in the future, with a score like that can she? I know that her credit was much worse, and she has been keeping up to date on her bills and is trying to bring it back up above 600. Please let me know, she asked me this morning and I wasnt sure about the answer to give her.

2006-12-28 05:23:49 · 9 answers · asked by Roselyn 2

I'm not talkng about how long it remains on my credit report, but rather i have a collection agency who has sent me 2 collections from 98' and 99'.... i thoguth legally they could only collect for a certian number of years? thanks!

2006-12-28 04:46:10 · 4 answers · asked by Anonymous

For instance, i pay my bills online through bill payer, but would writing checks improve my credit score/establish a better credit history?

2006-12-28 03:36:46 · 5 answers · asked by mbinciso 1

how soon can u buy a house after filing for chapter 13?

2006-12-28 03:26:50 · 4 answers · asked by Anonymous

When I was 16 (not knowing what credit was and how it could affect me), I signed a contract with a bank for a loan with a co-signer who also got a loan for a car. The car got repo'd and now at the age of 25, a judgement was entered on me to start garnishing my wages. Is this right? Shouldn't they have gone after the co-signer instead? After judgment was entered, how would I go about fighting it? This is in the State of Missouri.

2006-12-28 02:52:51 · 9 answers · asked by Jennifer S 2

I don't have debt by any means, first and foremost. I am just starting to live on my own and build my credit and stuff. I got a credit card to help me do that and right now my balance is around $600. I can easily pay this off in one month and not think about it again but i heard that won't raise your credit score any. Someone told me that it is good to leave some balance on your credit card. So, I was wondering should I stretch out the payments over a few months? I would like educational answers only please. I want to do whatever is best for my credit score.

2006-12-28 02:00:06 · 7 answers · asked by Anonymous

2006-12-28 01:35:52 · 17 answers · asked by Randi R 2

I was a business owner and the business went under 5 years ago. I haven't made a single payment to any creditors since then and I've had no income since then. I also own nothing, not a car or house or anything. I fear if I start a new business I will just be sued for my outstanding debt and never be able to grow the business and just be stuck for the next 5 years. Do I have any options at all that don't include filing for bankruptcy? Thanks for any advice.

2006-12-27 23:59:10 · 12 answers · asked by Y Knot 2

I have a property rented out by a (relative - sister) tenant. Bills for my mortgage payments were mailed to the property address and the rent is directly sent to my lender by my sister as our agreement. Unaware of the missed payments for Aug., Sept., & Oct., I was notified in Nov. when I immediately updated payments. However, when I checked my credit standing which prior to this incident, has been excellent because I never had any unpaid nor delayed payment ever since i got my 1st credit card 25 years ago. Not once. My loan payment for my primary residence mortgage is excellent as well. Please help.

2006-12-27 23:33:29 · 5 answers · asked by gerardini 2

I'd like to take out a loan to add something other than revolving credit to my credit history, but I don't really want to spend the money I would take out. Would it be possible to either add it to my money in the stock market or put it in a savings account.... Kind of like backwards saving, instead of putting a little away each month I put all the loan money away and pay a little of the loan off each month.

2006-12-27 22:54:55 · 15 answers · asked by Angela 3