Credit - January 2007

this company sent me to a collection agency when i owed them nothing...i found out from when i went to buy a car the car place said you have good credit but this one thing is killing you..i had no clue...i called the company they are just horrible to me wont answer nothing they just say "lady its to late we sent it to a collection agency"...they wont give me there address nothing..not to mention they will not tell me what i owe them for..i never recieved a bill nothing and i had everything squared away from them...what do i do how do i find the collection agency who has it??? i need help this is really hurting my good credit...

2007-01-18 05:45:39 · 9 answers · asked by east 1

When I was 18 I got 2 credit cards, each with a $200 limit. I ran them up and never payed them off because I lost my job shortly afterwards. By the time I got around to being able to pay them off, I owed over $1000 on one of them and a little over $200 on the other. Both of the debts have been closed out (?) but are hey going to just go away or will i have to pay them before they'll clear off my credit?

2007-01-18 05:36:17 · 5 answers · asked by Raina 2

How much would it hurt... a few points? I want to take care of bonus mileage offers that come with new cards, but wonder if changing cards every year or two would hurt my credit rating.

2007-01-18 04:59:31 · 5 answers · asked by Anonymous

Recently the transmission went out in my husbands truck and the price to fix it is more than the truck is worth. We decided it's time to buy a new truck, but I'm concerned that we don't have the credit to finance a $20k truck. I have financed a car before and all of my payments were made on time, and the car is now paid off. I pay all my credit cards (3) off every month, on time. We did have a large amount of debt, but we took out a loan (with a co-signer) to consolidate our debt. What are the chances with I could take out a $20k auto loan with this credit score?

2007-01-18 04:56:22 · 9 answers · asked by Rebecca 1

I have missed 1 1/2 payments on my car lease agreement. I intend on doing a voluntary repo at the end of the month. However, I have given a written request for them not to contact me at work and they continue to call my employer and even told my boss that I was having problems with my lease. Is this not illegal for them to continue contacting me at work when I asked them not to? They haven't called my cell one time which I requested. What options do I have?

2007-01-18 04:25:14 · 9 answers · asked by Great Sells 1

I mom has a large credit card debt, if she gets ill or dies. Can those bills that she hasn't paid be passed on to me?

Would I have to pay the bills she hasn't? One which include a student loan (parents plus loan), she took out for me?

Is there anyway creditors can make me pay that bill.
She is disabled and doesn't work, receives ssu

2007-01-18 04:20:48 · 7 answers · asked by ArchAngel Raziel 3

Should you pay the whole bill or is it ok to take a settlement? What is the point difference?

2007-01-18 04:04:10 · 4 answers · asked by Marlena J 1

i have been dating this girl for 9 months and i kind of spoil her,but all i get is a hug and a kiss on the cheek everytime i see her and when i leave i get the same thing, do you think she is using me or she just taking it slow.

2007-01-18 03:57:30 · 4 answers · asked by mr. metoo 1

was because I have moved to a new house which did not show up on their system. This has now been rectified. How long should I leave it before I apply again as I don't want to keep getting refused.

2007-01-18 03:45:38 · 5 answers · asked by Anonymous

cards that I have never been late on, a secured bank loan that I have never been late on, and a new car, well it was new two years ago, that I have never been late on, there are some negative marks on my credit, and I have lexington law working on removing those. but my score just doesnt seem to come up! what can i do?? i am a responsible, trustworthy, hard working person and i have a toliet credit score!!!

2007-01-18 03:31:18 · 2 answers · asked by Tresa H 1

I just got an additional credit card after working very hard to bring my credit score out of the toilet. I've had it less than a month, used it one time, and found out that for my $300.00 limit there is a $60.00 annual fee. I did not read the fine print, and I can afford to pay it, but I don't especially want to. I'm just afraid that if I cancel it so quick, that might look bad to other lenders, and bring my score down, even if there is no late payments/negative reporting.

2007-01-18 03:11:03 · 5 answers · asked by Andy Jones 2

i have a cashcard account with barcalys and my comapany is transferring me 500 a week on my account.though, the dont want to give me a debit card saying that i was declined before and should wait 6months before applying again.i told them that i need it and if they refuse me i will swich to another bank.but they said that cant help me and i have to wait.my credit score is almost 300 as i recently ordered a credit rating report from equifax.i have no credit cards.what can i do

2007-01-18 02:46:42 · 6 answers · asked by nykkooo 1

I know I should say I got an offer in the mail with citibank etc should I say that they offered me 2.5 percent or my bank offered me 2.5 interest on credit card to transfer my balances?

2007-01-18 02:16:55 · 3 answers · asked by eagle 1

2007-01-18 02:10:27 · 1 answers · asked by Anonymous

not had any problem. Last July we moved across the country and our finacnces changed dramatically. We have asked them several times to see if they could lower the month payemnt and extend the duration of the loan. They say they can't do that. Does anyone have suggestions for us? We really actually no longer need the van....we have simplfied our lives greatly. I would rather they not have to reposses it(for credit reasons) but if it comes to it, it comes to it.

2007-01-18 02:06:34 · 9 answers · asked by kardea 4

I screwed up years ago and I've already paid off those bad credit card debts. The only debts I owe now are a student loan (always paid on time), a new credit card (paid on time and only used for emergencies), and a car payment (paid on time).
How do I get my credit score to go up?

2007-01-18 01:35:57 · 14 answers · asked by madeinguam 2

I paid off this account in 2002 and I am just now getting a collection's notice. The first communication I recieved said "Final Notice"! I know I paid this off but being that it was so long ago I no longer have proof. This account has never showed up on my credit report. Is there anything that I can do to not have to pay it again?

2007-01-18 01:19:03 · 1 answers · asked by Timothy & Christina F 2

2007-01-18 01:00:44 · 4 answers · asked by budson45 1

i am unemployed but my husband works,if i go bankrupt,will this effect him in any way at all?

2007-01-17 23:35:50 · 10 answers · asked by yinyangavinit 2

I've started my own business not long ago. At the end of December, I billed one of the clients for the services provided that month and mailed it with "Net 15" due date. It is 1 week past due now. When should I follow it up? How do I ask when the payment is coming? Basically, how is it done?

Thanks!

2007-01-17 23:25:39 · 1 answers · asked by maytwelve 2

I keep my card in my wallet at all times how then does a debit card become demagnitized? I have a loc (line of credit) attached to my checking account. does this have something to do with that? if so how/why would that matter? Any information would be helpful in the mean time should I just wait for the new card in march or get my current card remagnitized and continue to use it in the mean time?

2007-01-17 23:21:04 · 6 answers · asked by demonicunicorn 4

2007-01-17 22:43:22 · 2 answers · asked by annajaaki 1

2007-01-17 21:45:47 · 6 answers · asked by dmarc151 1

2007-01-17 21:38:31 · 7 answers · asked by penny d 1

I have no credit card debt and am very stable financially. One of my credit cards has over a $24,000 credit limit. This credit card has just sent me 0% balance transfer checks. The maximum fee for using these checks is $75 and the 0% deal is until Dec 2007. Should i write one of these checks to myself for $24,000 and keep that money in a 5.05% cd for 9 months? I am confident I can make the miminum monthly payments without problems. I also have other credit cards I use normally (and pay off every month) so I don't have to rely on this one for anything. Does this hurt my credit in any way?

2007-01-17 20:41:28 · 4 answers · asked by kt90012 1

approved for????????

2007-01-17 19:43:40 · 5 answers · asked by Anonymous

i need obviously non-traditional funding for refi my horendous ARM, unfortuneately, i have been snagged in the high debt credit trap and my fico score looms around 440 which equates i believe to a D on the new scale. The upside; i only have a first mortgage on my 200K property, i have a relatively good ann. sal of 75K job security (9 yrs.). please help !!!

2007-01-17 18:51:54 · 3 answers · asked by jetatp 1

Ideally cash back or loads of airmiles etc

2007-01-17 18:33:40 · 7 answers · asked by Anonymous

Helppppppp!!! I finally got a capital one card have made a couple of payments. Im trying to get another card but I cant get approved Ive done chase, walmart, target ( thats sad) orchard and discover( waiting for response but sure im denied cause of no instant approval) and ideas how to get me rolling Im trying to build credit because Im a new resident and like i said Ive only been able to get one

2007-01-17 18:31:39 · 7 answers · asked by pelonsea 1

2007-01-17 18:23:34 · 11 answers · asked by mari 1