Credit - January 2007

I'm a slave to the system, and I want my freedom. What do I do ?

2007-01-09 09:43:30 · 7 answers · asked by Anonymous

All the financial 'gurus' talk about 'paying yourself first', but how can you do that when you use all your money to pay off debt and just get by?

2007-01-09 08:54:52 · 6 answers · asked by dawn_duguay 2

I am looking to move into a home. My credit score is 642. My husband's is 599. My husband got laid off and he claimed bankruptcy two years ago only in his name. We sold our house. We fell behind on some of my bills. All my bills are caught up now. I only have one credit card that I am making payments on over the limit. I have a lot of medical bills on my credit report. My son was very sick until recently. I make payments though. I have a lot of accounts that are negative, but most are paid off now.We tried to get a loan through a bank. They said because the bankruptcy has not been three years, they could not approve the loan. We really need a house and our whole life turned upside down when he was laid off. He now makes 65,000 a year and I stay home with kids. Do you think there is any company out there who can help?

2007-01-09 08:52:32 · 8 answers · asked by floridagirl 2

How much does it cost to activate a Green Dog Reloadable Visa Gift Card and would it cost anything every time you reload it?

2007-01-09 08:24:03 · 2 answers · asked by Anonymous

I have accounts that I have made payment arrangements on and now they are completely paid off but they are still listed on my credit report but the status says "paid in full". I heard that you can get paid acounts taken off of your credit report.

2007-01-09 08:06:18 · 12 answers · asked by lakishaevans 2

please tell me STEP BY STEP

2007-01-09 07:59:03 · 3 answers · asked by davidrra2000 1

My Account balance was -$55 last night, I deposited $60 @ the ATM , My reciept shows $5 Avail. Now I have 5 Overdrawn amounts , I called and they are being nasty, Is there any protecton I have , I am from NJ

2007-01-09 07:34:06 · 3 answers · asked by Danny H 2

i have no credit, and wondering how i can earn some. i've applied for credit cards before but am always declined because of insufficient credit. i dont work because i'm a full time mother but my husband works full time. how does america expect you to earn credit when the banks wont give you a credit card because you have no credit??? so how do i up my credit score from absolutely nothing to atleast something??

2007-01-09 07:33:28 · 5 answers · asked by Anonymous

Does any one know the minimum amount a collection agency can sue you over in genesee county Michigan

2007-01-09 07:32:14 · 1 answers · asked by cowgrl3611 5

90% of my freakin payment is going toward interest...and I'm on a strick budget - my credit sucks at this point, too!

2007-01-09 07:17:16 · 10 answers · asked by Win 4

Ok so basically I have a credit card, car insurance, and a cell phone. I pay off the car insurance and cell phone bill perfectly every money. Now as for the credit card(500 dollar limit), it's been pretty much maxed out every two weeks since i've got it, BUT, what I do is I pay about 60 to 90 percent of it every two weeks and max it out again and continue the cycle. I've had the credit card for about two months so far and have spent and payed off over 1,000 dollars. I always pay way over the minimum ballance, but not the full balance. I was wondering if i'm building credit the right way. Keep in mind I turned 18 in September and I am just building credit so hopefully it won't be to hard to get a car after 6 months of using my credit card that way.

2007-01-09 06:38:57 · 8 answers · asked by Chris M 1

Columbia House sent me a letter saying my account was past due. They said they sent me a dvd that I ordered. And that I have not paid. But I did not order a dvd. And I have received nothing. They said if I didnt pay the bill that they may report me to the national consumer reporting service.

2007-01-09 06:38:17 · 4 answers · asked by nicole_caraballo 2

to pay off all my debts?

2007-01-09 06:37:00 · 13 answers · asked by ivan3232@btinternet.com 1

2007-01-09 05:47:50 · 3 answers · asked by bajan-black_ant 3

I was told that they would send me a "Demand Letter" for being 2 months behind. I plan on getting to only one month behind when I get paid next, but what can they do if they send me this letter? I don't want my vehicle to be reposessed. I am only 5 payments from finishing off the 60 months plan and my vehicle was purchased in September 2001.

All info will be appreciated.

2007-01-09 05:34:36 · 4 answers · asked by Ariel G 1

i got a phone call last night from a so called collection agency called portfolio management solutions . they said i have a phone bill from 6 years ago from bell canada. also they said we have to pay it to a company called code city coffin for 250.00. iwould like to know if this is a scam and also they told me they cant send out a bill but they can send out a release form. everything pans out what they are telling me but can they come after me after 6 years? please let me know as soon as possible thank- you

2007-01-09 05:04:18 · 4 answers · asked by A 1

I've been wondering how exactly people get into big credit card debt - what motivates them or what do they feel by doing it? What makes them take loans for vacations or new cars they cannot afford? I am not seeking to pass judgment here, but if you are currently in this kind of debt or ever been there, could you describe what made you do it and did you get more satisfaction spending money or more frustration repaying it? How old were you at the time and did your views change, or would you do it again? What did you buy with the money and why?

2007-01-09 04:39:40 · 5 answers · asked by Kaytee 5

I am past due on a $5000 student loan and past due on another $2000 personal loan.......I'm working a great job now and I have a lump sum of money coming in the next two months that will allow me to pay off both of these....My credit score is like 548 now...how will paying these off affect my credit report and will my score raise immediately or does it take a long time to affect it? Any help on this would be greatly appreciated.

2007-01-09 04:26:49 · 16 answers · asked by Bill B 1

i know i've got unpaid depts and i want to start paying them off! but where or who can i contact to know whos got my depts and what ones i've got?

2007-01-09 04:21:42 · 8 answers · asked by Anonymous

Even if you have completely paid off the card before closing the account?

2007-01-09 03:02:49 · 8 answers · asked by Har 1

2007-01-09 03:01:01 · 5 answers · asked by Anonymous

I live in Monore georgia and me and my hubbie are going to open an account for our child and wud like to know .which is best

2007-01-09 02:40:39 · 5 answers · asked by browneyes 3

I have a 97 Taurus that I have paid on for 4 yrs with an interest of about 22%. The past year I have had to replace the transmission twice and once again the car is not running. I can not afford the payments and the repairs. I tried to refinance with them with a lower percentage, lower payments, pay off amount, etc. They would not accept anything and have added interest and are now telling me that I can not make payments anymore that I owe them $7k to get the title. I told them to take the car back more then once I asked where I can voluntarily return it and they want take it. They said it is not worth the money for them to take it back. They have it listed on my credit report as charged off/repo. Now I have a car that I am paying insurance on and that does not run and no title! I need to go get another car that runs. I do not have $7k to pay them off. Any suggestions?? How can I get rid of this car??? I could fix it and they could take it at any time ..since it is listed as a repo

2007-01-09 02:26:48 · 2 answers · asked by Shelly B 1

Is there a bank of america in minnesota

2007-01-09 02:14:50 · 5 answers · asked by babcock2519 1

My credit card company charged me a nice over limit fee of 76 bucks and now i am considering closing it and being done with that account.

2007-01-09 01:49:45 · 4 answers · asked by MiaDiva28 6

If I have a credit card debt of 3700.00 dollars, would it be a good idea to take out a loan to pay it off ?

2007-01-09 00:28:23 · 8 answers · asked by vik 3

There are no balances on these cards and I have others. A friend mentioned that if I do that my Fico Score will go down. Is that true??

2007-01-08 23:38:39 · 14 answers · asked by Mad L 1

as a second person, well she never told me that she did and that was three years ago. The only reason I found out was b/c I was checking my credit score. I confronted her about it, and she said she thought I knew. How do I get my name removed and make them remove off any negative points that I got with the card without getting my mom in trouble? The card is still active with a balance of $973. I'm trying to clean up my credit so I know removing that will help.

2007-01-08 23:04:30 · 4 answers · asked by ? 3

Well, I have a Washington Mutual Credit Card with a credit limit of $1000. I am being offered 0% on balance transfer by Washington Mutual. I am currently owe about 3k on other credit cards - which I have no problems paying it off within 1-2 months frame. My question is, since that I am being offer that 0% on balance transfer, and as I had mention earlier, my Washington limit is only $1000 but I owe 3k. Do you think that I'll get a credit limit increase to at least 4k with Washington Mutual if i call them? I want to take this opportunity to raise my credit limit. Like I said, I have no problems paying off that debt but I just want a higher credit limit. Do you think that will work? Have anyone ever try to put yourself in this kind of situation before?

2007-01-08 20:17:46 · 2 answers · asked by a9113257311 3

NEW SCAM!
I hope by posting you all....you will find this helpful!

NEVER EVER GIVE those numbers on the back of your credit card to anyone.! if they phone you
1.even if THEY give YOU!! your card number
2.even if THEY give YOU your name
3.or any other details..
4.even if they say you have been charged by someone, using your card numbers.

****IT's the back numbers THEY WANT!!
they will say''can you just confirm for me the numbers on the back of your c-card!..''on the strip where your signature is...secuirty numbers!

Tell Police, a.s.a.p.....o.k. I do hope this has been of help to people.

2007-01-08 20:00:34 · 3 answers · asked by Anonymous