Credit - January 2007

How much does your credit score drop with one late payment?

I have been reading LAST month's credit report, thinking it was due on teh 16th like usual. It's not. It was due on the 9th and we're paying tomorrow.

Please tell it won't drop too much. I have NEVER been late. My credit score WAS 750 last time I checked.

2007-01-14 10:16:55 · 7 answers · asked by FaZizzle 7

Due to circumstances beyond my control I had one of my homes go into foreclosure. I know it is horrible, but it is over now and there is nothing I can do about it. I still own another home and I have never been late on this home or any other payment on my creidt record. Before the foreclosure my credit score was 750 +. I know this is going to screw up my credit, but is there any to remove it or what can I do start rebuilding my credit. What do you think my credit score will drop to?

2007-01-14 09:47:36 · 4 answers · asked by westcoast25 2

I have made two payments to a hospital to pay off an amount that my insurance didn't pay. They deposited the payment then sent me to a collections company. I was told if I attempted to make some kind of payments the Hospital cound not send me to an collection agency. Is this flase information?

2007-01-14 09:40:56 · 3 answers · asked by sammy 2

My dad added me to the additional card list. I called customer service and they said that i will not build credit because my dad is the person liable for the charges. But, she said that i will build credit with american express; and after that i can apply for an american express card and they'll report it to the credit bureau. Is this the truth or was the lady lying about this? She sounded unsure about her answer. Has anyone gotten an answer like this before?

2007-01-14 09:37:08 · 13 answers · asked by Dan L 1

I have been thinking ahead lately and I want to buy a house when I m older and I want to take care of anything now that might stop me later on so I would like to find out how to pay things that I have on my credit report. Can anyone help me out??Please!?!

2007-01-14 09:32:15 · 4 answers · asked by breziechick 1

If I (great credit) get approved for a card and if i add my sister (no credit history-been denied a few times in 2 months) as a co-applicant, will they still do a credit check on her?

2007-01-14 09:23:10 · 6 answers · asked by ranny h 1

i have used my card before and had no problems with me code now it keeps telling me enter right code and same place i used it at is telling me wrong code please help me ty

2007-01-14 09:21:23 · 3 answers · asked by starbright823 1

2007-01-14 07:23:58 · 5 answers · asked by Anonymous

My sister has agreed to co-sign a credit card for me, but i see no option for co-signing one. How do you co-sign a credit card? Do you have to call customer service?

2007-01-14 07:06:00 · 4 answers · asked by Dan L 1

I got a US American Express credit card already through global transfer. What's the fastest way to buildup credit history in US? Thanks!

2007-01-14 04:14:31 · 2 answers · asked by Allan 1

Hellow, I am having ICICI Bank credit card. Which is visa powered card. So that i can pay my credit card bill by visa money transfer method by my ICICI Bank internet banking. I too have BOB Card which is Master card powered. How can i make payment for mastercard?? Which bank is providing facility to transfer fund to Master card like Visa Money transfer??

2007-01-14 03:41:43 · 8 answers · asked by sumeetindian 1

Why do Credit Card companies allow so many people to get into debt?? People nowadays are using them as if it were there own cash. Then when its too late, they realise they're in big trouble and have borrowed a huge amount that they can't pay back.

2007-01-14 02:52:41 · 10 answers · asked by S 4

2007-01-14 02:35:28 · 7 answers · asked by Empty 2

A lot credit cards today give you 12-18 months with 0% APR.....After the intro period is up just cancel the card and go on to another one that is offering the same type of promotion. I just don't understand why anyone would pay 20-30 APR on money they can virtually have for free!!!!! I am about to graduate college and just got my first card last year so I don't know if this is a good or bad thing to do for my credit. Please let me know!!!!

2007-01-14 02:32:14 · 9 answers · asked by jesse v 1

how will i know that the website can be trusted?

i havent been purchased any product on the web. am afraid they will use my personal data and my bank#s that will be charged on me someday or they going to use it without my permission..

what do i need to purchase? i have here a credit card and me atm as personal savings.

because some of the item i need like electronic device and computers are sometimes hard to find here in philippines..

please advice. and give some additiona ldetails if any..

thank you

2007-01-14 02:27:20 · 5 answers · asked by Anonymous

what are the magic words that can turn 16% into 10%?

2007-01-14 02:10:02 · 3 answers · asked by patzky99 6

I called Quick Loans to get some extra cash.I am a home owner with equity and right now my loan with my bank that I have is 5.87 interest 30 year fixed.I have 4,000 debt 2 are high interest credit cards the rest are hospital and doctor bills.My credit score is not that great but have kept payments up on mortgage.I wanted 20,000
cash out for a loan .They offered me 133,800 fixed paying only interest for 10 years.They gave me a 6% fixed rate paying off all debts and the rest of the 20,000 to invest and possibly make a profit.My mortgage payment now is 790.00 a month paying principle and interest .The new pay debt would be 878.00 per month paying interest only for 10 years.They also want a good faith deposit of
500.00 and will go towards the loan.This would make my credit slate clean.Should I do this?

2007-01-14 01:56:39 · 9 answers · asked by eagle 1

If you have an unsecured bank loan and you want to borrow more money is a contra loan created? Is the first loan cancelled out by the contra loan?

2007-01-14 00:25:58 · 3 answers · asked by harryfeelinlean 1

if i never applied for a loan with a specific lender... can i dispute it? (i know i can dispute the negative part)

2007-01-13 23:03:13 · 3 answers · asked by rache0116 3

if i never applied for a loan with a specific lender... can i dispute it? (i know i can dispute the negative part)

2007-01-13 23:02:48 · 1 answers · asked by rache0116 3

One of those new Visa Debit Cards that you spend your savings instead. Are there any hidden fees I should know about when I sign up? Any monthly fees or something? I turned 18 just last month.

2007-01-13 22:20:23 · 2 answers · asked by ♤ 5

What does Gross Annual Income mean?

2007-01-13 19:53:08 · 14 answers · asked by greenlantern28 2

im 16 and wanna start a bank account and i want good credit for when i turn 19 whats a good bank to go 2 ? I live in Las Vegas

2007-01-13 19:36:48 · 6 answers · asked by Anonymous

2007-01-13 18:53:08 · 9 answers · asked by GMaster 4

I'm pretty sure that i don't have any credit score because i have never had a credit card but i have a debit card with a master card logo on it and i use it as credit on purchases,
i was wondering if the logo is the same as having a credit card...

2007-01-13 18:48:27 · 10 answers · asked by Anonymous

2007-01-13 18:42:57 · 6 answers · asked by guni 2

I owe 5800 at 8.9%, I owe 4000 at 15.99% and I owe 800 at 14.9% I have some extra money, should I pay off the lower one first then move up? Or Start at the highest interest rate? Or should I start at the highest balance? I need help. Serious answer only please! Thanks in advance!

2007-01-13 17:35:35 · 16 answers · asked by DJ C 4

2007-01-13 17:08:32 · 1 answers · asked by DJ C 4

I want to pay my debt off but the credit agency wont pick up there phone i've left my number twice and asked them to return my call and have called four or five times total and all on regular bussiness hours! What do i do now? I want this debt cleared up.

2007-01-13 15:09:54 · 3 answers · asked by jinxintheworld 3

my credit is clean there is nothing on it .so how come i cant get credit . or a score what do they base the score from

2007-01-13 14:40:31 · 9 answers · asked by ? 3