Credit - January 2007

2007-01-22 08:36:41 · 5 answers · asked by Tiffany K 1

suggestions ideas?

2007-01-22 08:29:43 · 7 answers · asked by Anonymous

My mortgage broker was trying to find a finance company for me.
My credit had 4 hard hits from one company and 2 from another
in about 26 days. All of these hit dropped my credit score drasticly.
I know the lower your credit score, the higher the interest rate and
at the same time, the broker can raise there fees(points).I"m not
saying that something illegal happened, but I would like to know
if this is common practice or shady practice.

2007-01-22 08:24:10 · 4 answers · asked by michael c 1

my partner needs to get a loan to buy a car. he has been unemployed for about a fortnight and has been offered a job but needs a car to get there. does anyone no of any good loan companies?

2007-01-22 08:16:21 · 7 answers · asked by princess H 1

How difficult is it to get a new car loan with a FICA score of 480?
We are looking into buying a new car and are able to put approx. $7,000.00 cash down. The low score is from having all cards maxed and a new house mortgage and a vehicle loan in one name. The existing vehicle loan will be paid off by the time we buy the car as well as all credit cards paid off....that might bring up the score a little...maybe to 500? Any of you work in loan departments and can tell me if we could even qualify for a loan under the given circumstances? Yearly income is 70K+

2007-01-22 08:06:34 · 4 answers · asked by Yvonne M 2

2007-01-22 08:00:21 · 3 answers · asked by camille b 1

I have been paying this collection agency for over a year and now I am asking them for a balance on my account and they get angry threaten me with a judgment and tells me the payments that I have been making don't matter. What do I do now?

2007-01-22 08:00:13 · 4 answers · asked by Puzzled 1

My husband and I had absolutly perfect credit 3 yrs ago, we could get approved for anything, unfortunatly some circumstances out of our control, Car wreck, layed off, etc., happened all at once and our credit got ruined. However this year my husband recieved a big pay increase and we will be out of debt at the end of Feb. We want to buy our first home at the end of this year, my question is how soon after i pay off the debt will my credit reprot start looking better. How soon can i start inquiring about home loans, to get the best rate possible?

2007-01-22 07:45:01 · 8 answers · asked by Angel 2

I don't mean a credit report, but my actual credit score. Is there a way to get it for free? Where do you recomment that I get it from? How often should I check it and what makes it go up or down? Also, I know that too may inquiries look bad and may cost points, but is requesting my score considered to be an inquiry and will it cost me points? Please be specific/ give examples with your answers. Thanks so much

2007-01-22 07:42:25 · 6 answers · asked by Anonymous

i want to see a bill i had 4 years ago with sprint so that i could pay the bill to get it off my credit

2007-01-22 07:30:50 · 6 answers · asked by latoya_mitchell2003 1

I recently received my credit card statement, and there was a transaction, that I didn't make, to my ex-boyfriend's business. I think he somehow got ahold of my credit card account information. What is the best way to resolve this problem? I want and need that money back in my account.

2007-01-22 07:25:25 · 4 answers · asked by kelly825782003 1

My credit is really bad!!! I want to get it back together but i dont know where to start. I have noticed that there are some things that are on my report that should not be (ie medical bills,a phone bill i know nothing about, and wrong addresses and employment information) I dont want to be scammed!!! I also dont want to pay anything for this as i was told there are sites that help you.

Also is there a site that i can go to that has letters i can use to contact theses agencys?

2007-01-22 06:55:38 · 5 answers · asked by rodnisha f 1

for example, if i want to dispute 10 items, is that too much??

2007-01-22 06:34:12 · 3 answers · asked by rache0116 3

I had a guy come to my office to sell me on this company National Credit Systems, Inc (NCS). They are a collection agency. They sounded great but before I signed up to have them collect my delinquent accounts I wanted to know if anyone knew anything about them or had any experiences.

2007-01-22 06:19:17 · 4 answers · asked by skymer 2

My friend has a really bad credit record from stuff in her past and needs to get a credit card, but doesn't want one that you have to put your own money down first. In Canada please.

2007-01-22 06:16:58 · 6 answers · asked by hasgr8boyz 3

2007-01-22 05:56:30 · 11 answers · asked by KEN 1

My old apartment complex from a year ago apparently filed a collection against me which i just found out about today. They filed it for carpet cleaning services when i moved out. I was never contacted about this and they had my forwarding address. I have been told by the collecting agency that they attempted contact and the apartment complex said the same thing. The problem is i never received any kind of notification. My record was spotless before this and even if I do pay this off right now my record will still be dented. What should I do?

2007-01-22 05:48:29 · 10 answers · asked by lee r 1

I don't know what the deal is, every time I do anything that has to do with my credit, everywhere I go, everyone thinks that I am my sister. Our social security numbers are just 1 digit off, and we have the same last name, but I would think they would still know we're 2 different people. How do I go about letting everyone know that I am NOT my sister?

2007-01-22 05:38:02 · 6 answers · asked by sadlymistaken 2

2007-01-22 05:34:36 · 11 answers · asked by rainbow250 2

Of course, that is, if you pay them off right. I'm assuming they help your credit a little, but i wonder by how much, or if I'm better off to just get a normal credit card.

2007-01-22 05:29:31 · 9 answers · asked by DaniLynn 3

I think that it's best to be prepared ahead of time if a divorce is inevitable and I would like to go about establishing my own credit before the divorce begins. Can I do this and how?

2007-01-22 04:53:24 · 8 answers · asked by sweetbabykitty 3

need my mopney not pay fees did that once trying to get on your space

2007-01-22 04:40:40 · 4 answers · asked by rayfwylie 1

Also what is the average score need to get a good interest rate.

2007-01-22 04:24:30 · 7 answers · asked by Twinkle 1

Seems to me it should cause ur paying off one loan and opening another

2007-01-22 04:15:44 · 2 answers · asked by tp7308 1

I want to request my balance owed and/or what my payment options are. Does anyone know of a website that I could find a sample letter like this??

2007-01-22 04:07:51 · 4 answers · asked by amandamariejordan422 1

A friend said that since credit bureau use your Social Security number to report people that I could eliminate my bad credit by getting a new social security number. Is that true? Is that legal?

2007-01-22 04:06:14 · 13 answers · asked by Kojak 1

i am really distressed at the moment as i need to borrow money urgently.

please help me, my car is on my name and so are bank statements,

thank u

2007-01-22 04:02:34 · 0 answers · asked by Anonymous

2007-01-22 03:31:58 · 5 answers · asked by diamond 1

We live in the States but are planning on marrying in Africa. Problem is I'm worried about our finances. Although we both work and together earn a decent income, I'm thinking maybe we should consolidate our credit bills first, pay them off and sort of, have a fresh start. Or should we get a loan to help with our wedding expenses? We're also saving and the families will pitch in but we would like some financial advice that will leave us with a peace of mind, any ideas?

2007-01-22 03:18:09 · 3 answers · asked by wrkoutchick 1

2007-01-22 02:55:13 · 4 answers · asked by smokey 1