Credit - January 2007

Hi, about 6 months ago I applied for my first credit card and got approved. I made payments on time and never went over the limit. After about 3 months they increased my credit limit. But all of a sudden I lost my job because they had to move to another state. I started using my credit card to pay for bills after finishing everything from my savings account.

Im only $10 away from my credit limit and stopped using it since I dont want to go over. Would this still give me bad credit since im so close to my limit?

2007-01-12 17:34:48 · 10 answers · asked by piesw33ts 1

My son was hospitalized in 05 and the bills were sent to the ins. co. with me (his mother) as the pt. My ins. co started to pay but then received bills in my sons name. There were many double billing errs. After some time, this mess was rectifyed. My ins. company paid the allowed amts on all hospital and doctor bills and we paid our co-pay.

Time passed, about 8 months, when my son got a call from a collection agent stating he owed more money. When we attempted to get a copy of the billing statement the MD office stated that it had been sent to collection; we should contact them. We have made numerous calls and are always put on hold for an extended perior of time or sent to a full voice mail box. We would pay the amt. if we only knew what we were paying. What recourse do we have? Chris

2007-01-12 17:12:02 · 7 answers · asked by chris k 1

if i get approved for a loan that is 1500 but i don't get paid that much on pay day can i pay payments

2007-01-12 17:06:47 · 2 answers · asked by Bonnie L. 1

Attn: Mortgage Lenders, Loan Underwriters, Loan Originators, Mortgage Brokers, Mortgage Bankers.

Who can do this loan??????
90% LTV
No PMI
Intrest Only
No Prepay Penalties
Assets verified but not income
Purchase Price 375,000
Appraisal 410,000
One Employer Fulltime for 7+ Years
At Current Residence for 7+ Years
Current home owned Free and Clear
New Purchase is primary residence single family detached New Construction
800 FICO
first 2 trade lines 24+months
3rd trade line 18 months

Serious replies please.

2007-01-12 16:49:47 · 3 answers · asked by MainlandMig 2

Will the dealership just average the scores out and will i defintly need a down payment or no? I ask because im going in the morning to look for a car with about 300 in my pocket making about 1500 a month and i dont know what to expect... please help!

2007-01-12 16:21:09 · 7 answers · asked by jef v 1

2007-01-12 15:52:14 · 4 answers · asked by Jamshid O 1

2007-01-12 15:09:24 · 4 answers · asked by Anonymous

I have 3 different credit cards, that are not maxed out, but I would like to consolidate to make 1 bill a month.. will that hurt my FICO or credit?

2007-01-12 15:02:44 · 3 answers · asked by getting old 1

I have depleted my savings that has supplimented my meager 600 a month take home pay. I have payed my cards for years with no problems but my life turned around completely a year ago and I have been going downhill since then. I can still pay a couple of my cards for a few months but I must save what little I have left in the bank to avoid homeless for aleast a few more months, then I don't know what is going to happen. I have nothing of value, no car, no fancy electronics (have a 50 dollar tv) and no property. I live in the cheapest place I can although it's dangerous. I walk to work and ride home with a coworker , which means I have to stay an extra hour off the clock till they get off work. I work retail and don't have a regular schedule but I do work every weekend and some evenings and most other jobs I've checked out won't even consider you if you won't work those hours but I already do that at my other job. What can they do to me and how long does it take to be over?

2007-01-12 14:34:23 · 12 answers · asked by reallyfedup 5

say i go to target and i have $10 on my prepaid card and i chose credit instead of debt. could i spend more then that $10 on my debit card? its prepaid visa. tell me experiences. thanks.

2007-01-12 14:31:02 · 6 answers · asked by spontaneous_eyez 1

2007-01-12 14:27:34 · 5 answers · asked by moni32 1

I have already tried Orchard, Premier and they are asking for $200.00 for account set up and monthly maintenance fees which is outrageous, yes my credit is fairly bad. However, I have never filed for bankruptcy.

2007-01-12 14:14:29 · 5 answers · asked by Anonymous

A friend filed bankruptcy 5 years ago but reaffirmed on her car. The transmission fell out last summer. Is there a way to get out of paying for it since it is worth way less than she owes on it.

2007-01-12 13:38:52 · 5 answers · asked by Anonymous

2007-01-12 13:22:03 · 13 answers · asked by Anonymous

If you have caller ID and know it is them....and they call A LOT EVERYDAY, is that too considered harrassment or part of the http://ftc.gov/bcp/conline/pubs/credit/fdc.htm

2007-01-12 13:11:16 · 10 answers · asked by carebarri 2

2007-01-12 12:56:30 · 3 answers · asked by SteveG808 2

I really need to rebuild my credit but I don't have these fees that they're all asking for up frony. they want large amounts of money with the prepaid and secured credit cards

2007-01-12 12:49:31 · 5 answers · asked by jennifer d 2

I live in Arkansas and have recently lost my job and my husband and I are getting divorced. We have 1 child. We have a very large credit card debt load (30,000.00) that is all in my name. Our home is in both our names and we have a 29,000.00 home equity loan that we got back in Sept 06 so we do not have any equity left in our house. We are trying to sell the house right now but I am not sure if it will sell to pay off the mortgage and home equity loan. I am considering bankruptcy and talked with an attorney through a free consultation and I would qualify for Chapter 7 where it would wipe all my debt away. I know this is the worst thing I can do for my credit but it may be my only option. I do not want it to affect my husband's (soon to be ex) credit so that he will be able to get things in case our son needs something. Would it affect him with his name being on the house or could I even file bankruptcy on the house too? Any information would be greatly apprecitated.

2007-01-12 12:36:42 · 2 answers · asked by SHOP GIRL 3

could you please help me find solution to be free of debt? what can I do in a daily basic to be free of 40,000 $ debt. I feel like I am trapped for the rest of my life with this debt. I have 2 kids, no saving, I just realized that I need help to clear this debt. Yes I make a nice salary but the debt amout is way to high to pay it without sacrifying my kids life and happiness. Please help, I am crying to you for your advice or anything usefull to help me free myself. thank you all for your comprehension and not insulting me

2007-01-12 12:27:52 · 6 answers · asked by bibi 1

My friend is paying me $500 with credit card using paypal for "service" not goods or auctions, will I get a fee taken off?

Is there a way my friend can pay using his credit card and for me to get no or low fee?

2007-01-12 12:16:37 · 6 answers · asked by bambam bigalo 1

2007-01-12 12:08:13 · 18 answers · asked by jef v 1

Hi, Im 19 years old and its very important that I start establishing a credit history. My parents are no help since my "step dad" isnt willing to help because Im not his real kid and my mom wants me to be independent. So far I have my own car and pay for all my bills (cell phone, internet, etc.) But its really important that I start to build up my own credit history partly because I want to move out soon.

Im not being approved for a credit card since most of there reasons are LIMITED CREDIT HISTORY, please help.

any suggestions would be great.

2007-01-12 11:57:09 · 7 answers · asked by ky1a 1

I want to start building up my credit. The thing is I don't have any. I'm 19, what is the best way for me to do that without the use of credit cards?

2007-01-12 11:53:40 · 7 answers · asked by Katherine 3

I have had BAD credit for at least 10yrs and I have a student loan in collection which I am making a payment this month. (which i will take care of this month) But I want to buy a house and go back to college ... what is the best SENSIBLE advice. Thanks!! ;-)

2007-01-12 11:34:07 · 3 answers · asked by lisa n 1

I want to resolve my debt issues, and want to use a company called GreenPath Debt Solutions.

Is anybody familiar with this company, and perhaps have used them???



Any recommendations/feedback or opinions would be appreciated.....

2007-01-12 11:33:57 · 1 answers · asked by statenislanddreamer 4

2007-01-12 11:26:53 · 6 answers · asked by Lequinn H 1

how do i send an international cheque from india to us. from which banks can i draw the money.

2007-01-12 10:29:57 · 3 answers · asked by Shaiz K 1

My master card is the paypal mastercard debit. I just sent in the paperwork today.

2007-01-12 10:28:43 · 2 answers · asked by DQ 1

i got a stupid loan, now i have fallen on bad times, is their anything i can do.

2007-01-12 10:21:55 · 4 answers · asked by Anonymous

How does it work exactly?
How many points to earn a free plane flight?\
does ea. dollar spent=a point=a dollar towards travel or what exactly?

2007-01-12 10:16:43 · 5 answers · asked by Anonymous