Credit - January 2007

Im a 19yr old student, I work but I dont get more than $1500(can) a month. i dont pay for anything or I dont have any debt... I just want a credit card because in the future I want to buy a house, a car etc and Ive heard if you want to buy one of those you need a good credit history. I wanna start now. Am I qualified? Also Im just gunna be using it to buy stuffs liek on eBay, rent a fancy car or something lol but then ofcourse I will pay them right away..

2007-01-07 17:22:25 · 11 answers · asked by Help me 3

So here's the scoop: I was late on 2 or 3 payments (30 day lates, not 60 or 90) and my interest rate has SKYROCKETED at Bank of America. Are there any employees that know ways to get my rate lowered? As someone that has worked for several corporations, I know that nobody understands how to get a company to work for them better than their own employees. Is there some tactic I can negotiate with to get my rate lowered to something more rational? Thanks in advance!!

2007-01-07 17:17:10 · 4 answers · asked by utopiafourteen 2

I just want to put all my debt into one payment so I can get my credit in good standing.

2007-01-07 17:07:37 · 4 answers · asked by ME 1

Ok so i am 18 years old an am in my first year of college. I want to build credit so i started out by getting a captial one. Ive been doing good with that. I also have a 2005 Ford Explorer that i pay for monthly. The problem is that my car is in my dads name so its helping his A1 credit out even more while leaving mine at a standstill.

I know that there is no way in heck that the bank will transfer the lien and title to my name. BUT is there a way i can be added to the loan as a responsible party along with my dad. I know you can do this with credit cards. So shouldnt you be able to do that with a car loan. I added my name to the bank account with the car loan but that is only so i dont need my dad to make payments. He is still legaly fully responsible.

In about a little over a year my warranty will be up and the car will pretty much be a moneypit if anything goes wrong.

2007-01-07 16:57:20 · 4 answers · asked by Josh S 2

I generally like putting money on my credit card before making expenditures, as this ensures I won't get charged any interest on any amount and that I can actually afford whatever it is I'm purchasing.

I was told by a financial representative that it actually helps to make a purchase often, even if it's a small one. But will my credit rating improve if I pay it before I actually create any debt (the kind that doesn't earn interest)?

Should I be paying it one day after, instead of any time before? Should I wait for my mail statement to arrive?

Thanks,
Ken

2007-01-07 15:45:44 · 11 answers · asked by A: Ken 5

I do not want to file consolidate my debt. I want it gone!!! I know that I got myself into this.Some things just can't be helped. NO bankruptcy...consumer counseling or other rip off ideas. Thank you for your help and insight.

2007-01-07 15:45:41 · 9 answers · asked by timgisme 1

2007-01-07 15:18:48 · 14 answers · asked by Megan B 2

me and my husband are wanting to buy our first home, neither of us have credit, his parents have great credit and are willing to cosign the loan, we just wanna know what is a REASONABLE interest rate.

2007-01-07 15:14:37 · 4 answers · asked by Elizabeth B 1

I know it sounds dumb, but we've been living with my mother in law, and she said we could make an addition to her house, sort of a small apartment, so that we could have our own little place, instead of sharing the kitchen and having only 2 rooms.
I just know it's gonna be expensive. So I was wondering, if the bank will give me and my husband a loan to have this built, even though it is my mother in law's house, and not ours.

Thank you so much!

2007-01-07 14:22:51 · 3 answers · asked by Feed the models! 4

how many days,weeks, credit card company need to make credit report, on my ssn.

thanks

2007-01-07 14:11:55 · 5 answers · asked by ivanljig 2

And if not what credit score do most places require for approving me to rent a place? My income is very good.

2007-01-07 13:36:54 · 9 answers · asked by ukfan1976 1

Well I never received any letters or calls from them. However the claimed that they sent me one letter to my old address. I never recieved that letter. Now I am willing to pay the balance, however, I do not want this to show on my credit report at all. It really is not my mistake that they never made an effort to contact me. And its also related to changing my address. The collection agency said that my only option is to pay the bill and they can not remove it from my credit report, they will only show it as paid....what can I do??
please please help

2007-01-07 13:23:53 · 9 answers · asked by Anonymous

I have a debt collection company trying to tell me the only terms they will accept on repayment includes 22% intrest on the payments. Is this even leagle. If it is not leagle where can I find proof that I can shove in their face.

2007-01-07 13:22:05 · 7 answers · asked by dclvrt 2

2007-01-07 12:44:12 · 10 answers · asked by srikanth 1

I have closed out my old account and started a new account at the same bank. i just got a message from my banker that theres been some activity in the old account. It's been 3 weeks since i lost it.

2007-01-07 12:40:34 · 6 answers · asked by Anonymous

For Internet buying and stuff, will pay off every month. I don't believe in month-to-month debt.

2007-01-07 12:33:15 · 9 answers · asked by JA 2

Blockbuster allowed someone who was not authorized to rent on my account to rent movies(do not know who) and they returned one late. I am not missing any cards that I know of and I know that they are supposed to ask for ID when you don't have your card, so how they rented on my account without a card(or ID)is beyond me. I now have a late fee---for a movie I did not even rent. I tried to talk to the manager of the store and she said that she couldn't do anything(I know that's not true) and that she would have to talk to the owner of the store and call me back. Still waiting for a call!! In fact, when I talked to her, she said that the movie had "automatically" showed up in the drop box that very night. I honestly did not rent these movies(one was returned on time) and if they had looked at my account, they would have seen that I have paid late fees before when they have been movies I have rented and they have been late. Will this late fee come back to haunt me as far as credit goes?

2007-01-07 11:57:47 · 6 answers · asked by Imn2jrts 1

my mom bought a ticket and only missed one number and she got pretty exicted then was really disappointed, so i was just wondering if you still get some money even though you didn't get all of them, thx.

2007-01-07 11:33:03 · 5 answers · asked by Anonymous

2007-01-07 11:32:41 · 1 answers · asked by Anonymous

Is there a website or free software download that offers amortization schedules that can be used to enter multiple accounts, APRs, minimum payments, etc?

I, at one time, had a software program that all you did was enter your debts and interest rate, etc. and as they were paid off added that amount to the next debt payment and so on.

2007-01-07 11:17:21 · 5 answers · asked by shanesmommy01 3

Is it possible to pay a company to remove bad credit listings on my credit rating?

2007-01-07 10:41:20 · 11 answers · asked by AARON B 1

My credit is only 4months old and I have a score of 587. If i do happen to get a loan and it has high interest rates once I've built up my credit enough will I be able to refinance for a better interest rate. I was also thinking about asking my mom to cosign. However at the moment she isnt working do they only use her credit score or do they also go by her job and stuff like that?

2007-01-07 10:29:33 · 4 answers · asked by LusciousLady 2

What is the process to obtain your 3 free credit reports?

2007-01-07 09:10:48 · 6 answers · asked by Bob A'a Facilities 1

please help?

2007-01-07 08:06:43 · 7 answers · asked by Anonymous

dont have and positive im not getting paypal or credit card and i want sumthing from ebay. What can i use other than those to do that?

2007-01-07 08:01:31 · 10 answers · asked by Anonymous

I have a collection agency reporting weekly to all three reporting agencies. each time lowering my score by as much as 40 points per week. can they do this? is that fair ?? help !!!! thanks

2007-01-07 07:21:30 · 5 answers · asked by jonboy100us 1

I have a business with a very high debt structure, and we do not have enough cash to pay the bills. I have had no luck selling the business. We (my partners) mortgaged homes in order to finance the purchase of the business. The seller also gave us a deed of trust. In order to relieve some of the debt, we have placed our homes up for sale, but the real estate market is in the tank and we can't sell the homes. We have sent a letter to the seller asking for a 66% reduction in the loan balance, but no response. We have stopped making payments on the seller's note, and have been threatened with foreclosure. This is a complex situation. Thank you to anyone who has suggestions to help.

2007-01-07 06:39:53 · 3 answers · asked by dbo 1

Anyone know where I can get a mortgage with less than perfect credit? I live in the Atlanta GA area and I am 1 1/2 years from a discharged bankruptcy. Are there any legit companies that I can work with and not get ripped off?

2007-01-07 05:58:21 · 7 answers · asked by T.J 1

I sent a letter by priority mail to my credit card company last Tuesday.Because of Ford's death,it would have gone out on Wednesday and arrived by Saturday.However,I accidently put the mailing label on the wrong side of the envelope and my online account with my credit card does not show that the payment has been recieved yet(it's due today).My question is,was my envelope still mailed even though the label was on the wrong side??

2007-01-07 05:28:26 · 4 answers · asked by crystal_tears87 1

i cant get a card anywhere because i have no credit rating. how can i get a credit rate when nobody will give me credit. what do you have to do!!!

2007-01-07 05:18:15 · 14 answers · asked by chess 1