Credit - January 2007

Hi! Two questions. First, I applied for a Citibank mtvU credit card for college students, having never had a credit card before, and got an email a couple days later asking for a copy of my student ID, tuition bill paid, phone bill, and utility bill, and if the phone bill isn't in my name, then a bank statement in my name/address. The first two I can do, no problem, but the phone bill and utility bill I can't because I live on campus and don't own a phone. I could technically ask my mom for those, but I would rather avoid a fight if I ca.

So one: Do you think I can just send in my bank statement with my name/address right (and the first two) or must I somehow do something about the phone and utility bill.

Two: they said if they don't receive it within 30 days, the application will be considered withdrawn. If I just let it go, would having applied hurt my credit score (and would the withdrawn be seen as a rejection)? And if so, should I apply for a different one soon after?

2007-01-04 19:08:13 · 3 answers · asked by Maria Regina 1

I currently have a bill on my credit that I am being held liable for, that is not my responsibility. How long does it take for it to go away? Does it matter on the amount, source, or is it just a set time?

2007-01-04 18:28:22 · 5 answers · asked by J M 2

let say ur a bank n u loan joe $600k to buy a house at 5% interest. joe pays u interest+principle over 30yrs. how can u still make $$ if joe only pays u back, say, $1000 a mo. when ur alrdy out $600k up front. in addition, ur lending more $$$ to other ppl as well n they, like joe, r only paying u fractions of what they owe over the course of 30yrs. u hv to be a gazillionaire to do this kind of biz. i just don't understand how banks (or credit card co.) make $$$ by doing this.

2007-01-04 17:08:45 · 3 answers · asked by yuenri511 1

2007-01-04 16:56:21 · 7 answers · asked by petey_5150 1

I will be getting married in May and Need my first credit card to put some of the expenses on. What is a good credit card for first timers with a low apr and intrest rates? I have never had a credit card and need one.
Thanks

2007-01-04 16:27:42 · 4 answers · asked by pjbottom_rebellion 1

2007-01-04 16:20:34 · 4 answers · asked by trr_hnsn 1

the reason i ask is b/c somebody told me that lenders dont pay much attention to medical collections.....IS THIS TRUE?

i pulled my credit report and was able to see several medical collections. i was unaware of this and while i was trying to track down my debts to pay them, i just felt like i was being tossed around by collection agencies. im not sure if i should stress about trying to figure all this out and get these medical bills paid or what. other than that my credit is great. what should i do?

2007-01-04 16:16:07 · 10 answers · asked by ? 2

That around 180 days with a debt free finish line.....yeah baby yeah !

2007-01-04 16:07:58 · 7 answers · asked by Anonymous

does open a bank savings/checking account help?

2007-01-04 16:01:39 · 5 answers · asked by Anonymous

2007-01-04 15:19:29 · 8 answers · asked by hmmmmmm 1

2007-01-04 15:19:12 · 5 answers · asked by mlrjpl 1

Is it better to pay to the actual company or collection agency. Will doing so remove it from collections on my credit report or will it matter?

2007-01-04 15:13:34 · 7 answers · asked by ahottmess 4

I heard you can finance a car if you put %50 down. I have no credit, but recently just started a business that is making me 8k per month. I have $120,000 cash, but don't want to go2 the dealership with no credit. the car i want is $230,000

2007-01-04 15:05:58 · 12 answers · asked by jay_jenkins420 1

2007-01-04 14:47:50 · 3 answers · asked by gigglesticklesu2 1

I had filed a fraud claim for charges on my checking account last week for the company CJW Holding and I was wondering if this means that I have gotten my money back? Has anyone been through this and know what this means. Anyone work for BofA? That is where I bank. Thanks in advance!

2007-01-04 14:30:17 · 6 answers · asked by littledeaftink 3

I am thinking for filing for bankruptcy, and I wanted to know if anyone has done it before so they can give me a few pointers. I know I should talk to a lawyer but I called one and he was acting like a dic* so if anyone out there has done this let me know what are the steps. I am going to tell you this I am working (but getting paid garbage) I do own a house, and I am married. If not pls forward me to someone or somewhere to go get some help on this matter.

2007-01-04 13:59:15 · 9 answers · asked by Anonymous

2007-01-04 13:45:44 · 10 answers · asked by Anonymous

I just wanted to make sure that it was indeed true.

2007-01-04 13:25:16 · 10 answers · asked by Nina 2

2007-01-04 13:21:37 · 7 answers · asked by lakarez_forever 1

an MBNA account that I had paid off in 2000. Although I have paid this amount off in 2000 it has the date of last activity as 2003. I keep disputed it with the credit reporting agency. I call MBNA they have no answers. They can't even give me the information. So how do I dispute this?

2007-01-04 13:14:38 · 8 answers · asked by JadedEzzence 1

i have returned an item that costed 400 dollars for a refund on monday at walmart.i checked my current account and it says that the 400 is still in my current balance...so i called the bank and asked them whats up and they said u have to wait 5 days from the day u had the refund...i was wondering is it even normal to wait that long for the money to go back into my unused credit?

2007-01-04 13:14:31 · 3 answers · asked by Awol 2

Im in debt and need a way out

2007-01-04 13:00:38 · 5 answers · asked by Anonymous

i want to dispute an account that is in collections that is actually my account and i've made payments on. how can i do this? can i get in trouble for disputing that i never had the account if i really did?

2007-01-04 12:04:27 · 3 answers · asked by ***I Love Anara*** 2

lets say i owe a cc company 100 dollars and my interest charge is 5%... do i pay them 5% of what i owe every month? so its would be like 105 the first month? then 110.25 the second month? lets just say i dont have any late fees... so it would just keep going like that until i pay it all off?

2007-01-04 11:50:28 · 2 answers · asked by A 2

my credit score is 719. what is that means. can i take a loan for 3 000$. t hanks

2007-01-04 11:42:00 · 6 answers · asked by ivanljig 2

I want to buy some things off the internet but I dont use credit cards. And there isnt any other way that I know of to shop online If you dont use a credit cards so what can I do?

2007-01-04 11:39:10 · 5 answers · asked by settlesdustin 1

2007-01-04 11:31:13 · 9 answers · asked by rust1909 1

i want to get a credit card but i have very little credit so if there are credit cards for people like me what are the names or them

2007-01-04 10:58:12 · 18 answers · asked by michelle c 1

I know you can get your free annual credit report, but I would really like the score.

2007-01-04 10:46:56 · 7 answers · asked by brokenmotion1 1

2007-01-04 10:33:45 · 6 answers · asked by mrs lopez 1