Credit - January 2007

I just became an adult like two years ago and I'm still in college and not in "the real world" yet, so I never really cared. How does this whole credit score thing work and what's the big deal about it? What is it and why the hell does it matter? And what will I need a good credit score for anyways, I mean, I don't plan on taking out any loans in my lifetime, I plan on moving into a city and living without a car, I have a prepaid cellphone bill, I don't plan on ever getting a credit card (I have a debit card from my bank), I don't plan on getting married. So what am I ever going to need a good credit score for? The only thing I can think of is for when I get my own apartment, but still, I'll just put a security deposit down, I don't mind.

2007-01-11 16:04:37 · 7 answers · asked by ? 1

How long will it take my bank to put all of it towards my available balance? It is withholding all but $100 of the money. How long does it usually take? It is US Bank in case that helps.

2007-01-11 15:18:24 · 7 answers · asked by Anonymous

My husband and I were in a lot of credit card debt, about 11,000 dollars. We recently acquired some money and are able to pay off all of our credit card debt. We have three cards; my husband wants to cancel all but one of them once we pay them all off, but I didn't think that was a good idea...doesn't it look bad on your credit score if you cancel a card once it's paid off? Please explain how this works! Thanks!

2007-01-11 15:02:27 · 12 answers · asked by Anonymous

to buy songs. I thought i would just buy a couple songs and then it would tell me the card is declined. Well..... I have bought 6 songs so far and on the internet it says that there is something wrong with my card. Itunes keeps letting me buy songs with this visa gift card that doesnt have any money on it. NOW FROM A LEGAL STANDPOINT......can anything happen? I mean is it possible that they will charge me? Shoul i stop buying songs?

2007-01-11 14:35:12 · 6 answers · asked by hannah. 2

Features
- Visa and MasterCard
- No bank account required
- Availabe for non-american
- long expiration date " long then 2 years"

2007-01-11 14:27:03 · 3 answers · asked by Anonymous

i have a BMO debit card online it says the virification code is always beside the sig, but i dont have any virification code on my card i want to use it for paypal, can i use it for paypal, on the back it has a master card logo and says cirrus and maestro plz som1 help

2007-01-11 14:19:12 · 8 answers · asked by d o double g 1

a business card that I undersigned was used by the mgmt and they ran up $20k in debt illegally. I've repeatedly written to the bank saying it wasn't me, but they're a nightmare, even though the company lawyer wrote them saying it wasn't me. First their fraud people said it was fixed, then client svcs says i have to pay it and now they're telling me my credit will get whacked. is it worth paying it (in installments) so it doesn't dog me for life? or should i take the hit and rely on one of those services to fix it? can I sue the mgmt?? Any suggestions? help!!!

2007-01-11 13:30:10 · 7 answers · asked by slim1705 2

ever since than I have had poor credit 618 score. Thats the only thing on my credit score, If I pay them will my score raise? Im saving for a house and I don't want my credit score to hold me back.

2007-01-11 13:08:51 · 14 answers · asked by cocoacure83 2

I was approved by american express to transfer 3 of my other balances to their credit card. My question is do they directly pay these companies or send me a check so that I can mail it myself?

2007-01-11 12:45:26 · 4 answers · asked by Anonymous

I just accepted an offer from a consulting company. Since I will be travelling a lot, I will be issued a corporate american express card from the company. The problem is that I dont have a good credit history. Do they check the credit even if it is a corporate card?? What happens if the card is declined? Its a very good offer and I dont want to lose it

2007-01-11 12:33:16 · 4 answers · asked by someone 1

we are a family of 5 on a full time teacher's salary. We had some financial issues with our insurance (not our fault) and our Christmas credit cards (our fault). We can't seem to catch up. We work very hard, she has a part-time job, and I have 2. Should I tap my 403B? Is that even possible? Is it stupid? If we can get back on budget, we can be ok, but with everything behind, we need a grand or 2 to get back on track.

Any ideas/ advice. Thanks in advance.

2007-01-11 12:28:58 · 5 answers · asked by Anonymous

Do credit Bureaus really give any concern if your credit is messed up or not. Do they even now what they are doing?

2007-01-11 11:30:24 · 4 answers · asked by Anonymous

2007-01-11 10:53:46 · 7 answers · asked by chido123 1

Paypal asked me for my ATM pin #. Is the pin # on my card?

2007-01-11 10:52:51 · 13 answers · asked by Sophie 2

I was wanting to move from USA to England and I was wondering if my bad credit score will follow me.

2007-01-11 10:45:28 · 5 answers · asked by TwoShins 1

I have many high dollar debts that I am being harrased by collection agencies for. But on my credit reports from all three bureaus show that several of the debts were written off by the creditor. But now I am getting harrassing phone calls every day from collection agencies for those same debts. I just need to know what direction to take next. Any help would be appreciated.

2007-01-11 10:45:13 · 7 answers · asked by Just Another Guy 1

Hey I am in so much debt and have so many outgoings but still want to have a good time and go out and enjoy myself because I'm only 20 and feel I should be - you're only young once!
But my debt is mounting up fast and I have so many outgoings to see to this year on a crappy Customer Service wage that isn't going to improve much for the next few years! What should I do - I don't want to end up like my parents with who have just started an IVA with £130,000 debt under their name but I can see me going that way.

2007-01-11 10:25:50 · 20 answers · asked by southernlad 1

i recentley received my credit report but, some of the things that are on there i'm not sure about.. how do I find out what these items are?? also how do I go about paying them off, there is no addresses or phone numbers to these companies?? thanks!!

2007-01-11 09:55:13 · 5 answers · asked by veral8102 1

does any one no if credit repair companys work such as the one called lexington law

2007-01-11 09:45:51 · 6 answers · asked by steve and angie 1

My mother's Credit cousler told her to put her medical debt at the bottom of the list when cleaning her credit up. Is that true?? Should we focus of loans, credit cards etc, first before we worry about Medical debt???

2007-01-11 09:30:01 · 7 answers · asked by **What??** 4

let say i have 4 account and i close 2. does it gonna affect anything on my credit history.

2007-01-11 09:15:11 · 3 answers · asked by sharad.yedalwar 1

Would I have to contact each credit bureau or one and then the others report it to each other???

2007-01-11 09:02:49 · 2 answers · asked by Anonymous

i want to order books on line, is there a company that will let me pay on deliver?

2007-01-11 08:56:53 · 4 answers · asked by ? 1

2007-01-11 08:53:24 · 5 answers · asked by josegviss 2

why not discount the item right there in the store for corn's sakes? I personally avoid stores and sales involved in these "rebates" as I think it's some trick to get you to pay the higher price then offer some feeble excuse why you're not eligible for the rebate.

2007-01-11 08:50:44 · 4 answers · asked by tijuana t 4

I make about 2,000 a month and I need to pay 1,000 by march...my monthly expenses is about 1200 a month plus groceries-plus personal life...how do i do this?

2007-01-11 08:37:01 · 6 answers · asked by princezzmichy 1

It bounced and now I have to pay the bank every penny of it. I tried calling their number and it's the wrong number. I feel very devastated and don't know what to do

2007-01-11 07:52:07 · 10 answers · asked by NormyChick 1

What type of information do I need to obtain someone else's credit report?

2007-01-11 07:44:46 · 6 answers · asked by Anonymous

I have a friend whose new husband co-signed a loan for his son's college tuituon. The son failed to graduate from school and is now responsible for re-paying the loan and scholarship he had during school. How does this affect her credit standing? Is she financially responsible for the co-signed loan as it was done after they were married? And will the father also be financially responsible to help pay back the scholarship funds as well since he co-signed for the loan?? Please help asap with some information!!! Thank you!!

2007-01-11 07:33:14 · 2 answers · asked by C M 1

They are a credit card processing company like Paypal and I want to start using them, but don't want any issues like I had with STUID Paypal! Experiences please...

www.propay.com

2007-01-11 07:27:00 · 1 answers · asked by Fertility Nurse 1