Credit - January 2007

My dad has agreed to co-sign a credit card for me; where is the option on the application for a co-signer? How do you fill out the application?

2007-01-12 06:02:51 · 5 answers · asked by Dan L 1

a family loan was given ( they are not credit brokers)they were asked to pay off 2 accounts including interest and any settlement due on early payment . the lender had decided to keep the cash and settlement but not pay the account off so the borrower said no they will not pay this settlement if the account is not being paid so they just paid the balance are they in the right to do so?

2007-01-12 05:58:13 · 5 answers · asked by Anonymous

2007-01-12 05:37:20 · 3 answers · asked by candacenglish@verizon.net 1

2007-01-12 05:21:04 · 6 answers · asked by Anonymous

I found someone who has agreed to co-sign a credit card for me; what is the next step? Also, if the co-signer defaults on his other credit card, will that ruin my credit too? Or does it depend only on the card that he co-signed for me?

2007-01-12 05:18:09 · 7 answers · asked by ranny h 1

I want to open a bank account, checking visa debit card type. I have bad credit though. How can you open an account if you have bad credit

2007-01-12 05:11:18 · 6 answers · asked by Anonymous

Is there an age limit to have a bizzness

2007-01-12 05:01:12 · 11 answers · asked by Anonymous

2007-01-12 04:41:09 · 4 answers · asked by Anonymous

If I have 3 kids, and the earned income credit is for 1 or 2 or more, can my ex husband (with my permission) get the earned income credit off of him even though he does not live with his dad?

2007-01-12 04:40:23 · 4 answers · asked by peterpan123 3

I am in a real bind, i have a court date for feb. 13 with an NCO group. they are suing for 5700. In august of last year they sent out a notice stating i owe that amount of money for capital 1. I send out a validation letter certified and i never got anything, i sent another one out and still nothing. I looked up my credit report it showed a capital 1 account charged off in june of 2002 at 2904. dose not show anything from NCO... i live in iowa... all of the certified letters showed that they were recived

2007-01-12 04:23:10 · 4 answers · asked by jen t 1

I accidentally paid my bill with a canceled bank account and it was rejected. Now I have a $30 fee for returned check on my card, anyone know a good way to get out of paying this fee?

2007-01-12 04:03:29 · 8 answers · asked by quortnie11 3

I am having a lot of credit card dept.. and if i dont appy for bankrupsy how do i get out of this mess i am in..... i need real help?

2007-01-12 03:51:31 · 3 answers · asked by ceemagiclydia 2

I have recently rolled over some higher interest credit card debt over to 0% interest cards to pay off faster. Is is better for my FICO score to leave them open or close them? I have heard to do it is better to close them from a financial advisor on TV but recently asked a accountant who said to leave them open. So now I am unsure about which way to go with them.

2007-01-12 03:09:58 · 8 answers · asked by Pauline J 3

know how bad i am looking at?

2007-01-12 02:36:06 · 11 answers · asked by Anonymous

ok, I am in serious trouble, i.e i have total debts on my various credit card to RS 9 LACS, which also includes personal loan on my card.

Now i m ready to do a settlement with all the card companies.

Kindly advise as to how can i go about doing the same. Would the CC Companies, settling for less amount, can the settlement amount be less
than which is reflected on the Card.

I just have 5 Lacs with me....

Can you please advise, the process to follow and what % of Amount will the CC companies ready to forego.

THANKS

D.S

2007-01-12 02:17:12 · 5 answers · asked by DS 1

I had an account with Cap One Visa about seven years ago. I stopped paying it and was wondering how I get the information to pay it off.

2007-01-12 02:14:24 · 3 answers · asked by dragnflyme 1

2007-01-12 02:06:09 · 7 answers · asked by shopalldeals 1

We wanted a intant loan from h&r block but our credit sucks.How likely are we to get it?

2007-01-12 01:58:08 · 2 answers · asked by plumcouch30 4

Ive just seen an advert for a company called Onebill, they take care of your monthly bills and you just have to make one payment a month, I'm sure they charge you in some way, but it does interest me. Do you have any experience of a service like this? Is it any good? Cheers

2007-01-12 01:50:34 · 4 answers · asked by Thornsey 4

OK Here's the situation...... I have a FICO score of 663 according to the purchase of my Equifax credit report on myfico.com....I own a "annual payment visa card with a limit of $750 (increased from original of $250) over the last year and a half and WalMart Credit card with a limit of about the same (increased as well)..... I want to buy an engagement ring for my girlfriend. I have $3,200 in cash and the ring I want is $4700, so I need to finance the last $1,500. My best financial choice would be to get a credit card with a 12 month 0% APR, so I can pay the $1,500 off no problem in 12 months. BUT, I don't want to apply for some of these cards, (Most are platinum) if it will hurt my credit score if I'm rejected. Will I be accepted? My balance on the other two cards is like $100 total, I've paid them off consistently. (never late) but I am improving on past credit problems from like 7 years ago. . Will I get rejected for these 0% Introductory APR cards?

2007-01-12 01:21:15 · 7 answers · asked by Anonymous

I have credit card debts in uk and am moving to australia. I was thinking of not paying them... what are the implications regarding my credit in australia.

2007-01-12 00:46:23 · 1 answers · asked by grottie2000 1

I am moving to another country. I have two credit cards which i cannot afford to pay. can I just stop paying them? will I be arrested if I return to the Uk at any time? Will my credit score be affected in another country?

2007-01-12 00:22:38 · 15 answers · asked by grottie2000 1

Just received a formal demand,from a debt collector on behalf of unpaid e bay fees,for advertising a car that wasn,t sold,the fees were for £130,i think that is ridiculous,should i pay,or ignore??

2007-01-11 23:18:10 · 10 answers · asked by Anonymous

I sure have been going along and asking questions. It seems fishy. Is the person only trying to steal my identity? He continues to ask for my account number and that the funds will be transferred.

2007-01-11 22:09:11 · 17 answers · asked by James 3

i need some advoice on how to get a loan to pay off some debt - credit card an other bills?my credit score is 613, that is about fair but i need to get about $4500. to pay off some small bills where can i go to get a loan or to consolidate all my bills?( not my bank i already have a car loan with my bank)

2007-01-11 19:51:00 · 2 answers · asked by ANGELCOOL 2

2007-01-11 19:16:49 · 4 answers · asked by Anonymous

First of all, I was not aware of the debt. Also, I believe my credit is in good standing. However, all of a sudden, I received a letter from First National Collection Bureau, Inc. that I owe a $952.00 debt. I called and they told me to call NCO Financial Systems. NCO asked for my social security and told me that the debt was with American Appliance from 1997 which was about 10 years ago. This doesn't make any sense to me. They told me that they've been trying to contact me by mail at my previous address. How come it took them 10 years to discover my current address? Also, what is a statute of limitations (SOL) and how does that apply to me in Pennsylvania?

2007-01-11 18:19:09 · 12 answers · asked by swtxgoodbai 2

I'm 23 years old, and I'm 1500 dollars in credit debt. It's impossible to find a renting place for an apartment with the bad credit, so I come to the friendly people here for some advice. Is it better, in the long run, to pay off the credit debt myself, or to go to a debt reduction agency and have them work with me to get it paid off?

2007-01-11 17:55:32 · 15 answers · asked by Taylor B 1

I am with a debt management program that consolidated my debt. One of my debts is a credit card with Bank of America. This account has been through two different collectors, NCO Financial, and National Enterprise Systems.

When I attempted to make payment through my program to these collectors they both denied the payment and returned it to me.

I was recently informed by the debt management company that NES had closed the account. I called NES to ask what happened and they told me they had returned the account to the original creditor.

It's been a few months and I have not received any official notices or documents from BOA notifying me of their possession and terms for my account/debt. The debt has appeared on my online bank statement, but not on my paper mailed statements.

I have read it is illegal for collectors to not properly notify you about your debt and their terms for collection. BOA has not. Do I contact them or wait for them to properly contact me?

2007-01-11 17:18:12 · 4 answers · asked by jetkitty83 2

I am now legally divorced, but when we separated, I did not cover my a@# financially. My dad was diagnosed with colon cancer, so I was not concentrating on the separation and left with my 2 kids to be with my family. Before I could cancel anything, he overdrew our joint bank account and the car in his possession was repo'ed, but both our names were on the loan. All of this is stated on the divorce decree, but that doesn't protect me from the creditors. Anyway, now he has filed for bankruptcy. So I am afraid the creditors are going to come after me. Should I file bankruptcy too? I refuse to pay for debts that were his alone, plus I can't afford it. Any suggestions?

2007-01-11 17:10:16 · 10 answers · asked by micheyL 2