Credit - January 2007

I was thinking, did you ever wonder how Credit
Bureau's were allowed to come into being? Talk about
one big invasion of privacy! You just can't call and
say they're invading your privacy take your name off
of their rolls. That takes an act of Congress, better
yet an act of God!

And heaven forbid your name isn't on their rolls, you
can't buy a thing.

I mean think about it, they know everything, your
name, date of birth, SSN, where you live, telephone
number, where you shop, what you like to buy, what you
want to buy, what you drive, what you owe and where,
etc... The CIA should be so good. LOL

Why is it that you can't even rent a car without a
credit card, even worse rent something as simple as a
movie(Blockbuster, et al)cold hard cash is better is
it not? Doesn't seem so does it?

2007-01-04 10:28:25 · 5 answers · asked by HOWLING MAD DOC 2

I know its 7 years (right?) for accounts that arent in good standing, does that also apply to closed accounts in good standing? The reason I ask is I have a lot of accounts on my report that have been closed and in good standing and I dont want the amount of accounts that show up on my report to look bad.

2007-01-04 10:15:09 · 3 answers · asked by Tim6298 2

i have a low credit score, i only have a sigle function bank account that has not been registered with the 3 credit companys, do i need to get a currant account so it registers so i can start to build credit?

2007-01-04 10:05:19 · 2 answers · asked by Anonymous

i got money from my cousin on it but i cant take moeny out of it.
:( and i really need right now!! so how long does it takes to add a credit card, or a bank account or a debit card?

-kindly help me?

2007-01-04 10:02:32 · 2 answers · asked by ¤AFTERN00N L0VAH¤ 2

I answered a complaint and filed it with the court. and the lawyers did also. after that I received a date for a non-jury court trial March 2007. then I got a phone call from a paralegal at the plaintiffs lawyers office (same lawyers). asking me questions which I did not answer. I said to him I answered the complaint and that was all I had to say. then, I received these papers told to answer interrogatories. info dated back to when I had the account dated from 1991-2002. its now 2007. info like leases, statements from the account I had with the creditor. deeds, utility bills etc. I have been dealing with the same landlords since 1989. thats the only thing I can think of that they are asking for in terms of where I have been living doing that time. I have nothing else. if I do nothing they said a judgement will be held against me without trial. and they want these answers and info within 30 days. what do I do? any legal advice will be very helpful and needed. Thank You!!

2007-01-04 09:52:24 · 5 answers · asked by Anonymous

i keep promising myself that i am going to lose weight but it never happens!i just love junk food.i hate salads and anything that is healthy.i am more chips or crisps i dont eat much during the day but when i do it is junk food!is anybody else like this ?i am 5.2 and my weight is 12 stone.

2007-01-04 09:43:27 · 12 answers · asked by bigbaps 3

2007-01-04 09:31:02 · 6 answers · asked by harlemworldboi 2

How is this done? b/c i have a repo on mine as well and would love mine to go away.any comments

2007-01-04 08:58:57 · 7 answers · asked by Anonymous

I just pulled my credit report and found that a medical bill that I was not aware of was reported to a collection agency and now that file is closed. There was a balance due of $217.00. Now that the file is closed it has dramatically brought my credit score down by 50 points. Is there anything I can do to resolve this. Will they let me pay the balance even though it is closed and do you think it will improve my credit score any.

2007-01-04 08:52:11 · 2 answers · asked by cmp908 2

Someone told me the agencies normally buy these accounts for a fraction of the amount due, then collect what they can, sometimes accepting half as a payoff amount. If I had had the money, I would have paid it off originally, but right now I'm not even making it paycheck to paycheck and the collections agency will not set up monthly automatic withdrawals or anything other than the full amount. Any suggestions? I'm not debating I owe the money, just can not pay it at this time.

2007-01-04 08:29:36 · 12 answers · asked by bluedot 1

Im leaving the country. In few month. I wont come back. Leaving for good. I have few credit cards to pay off but no time and money to do so. Im thinking about filing for bankruptcy. Is that a good solution. Cant afford to pay off the debts when im in diffrent country. What shall i do???

2007-01-04 08:26:34 · 3 answers · asked by beata w 1

2007-01-04 08:05:23 · 6 answers · asked by Anonymous

I am helping my husband clean up his credit report. Recently we sent a debt verification letter to a particular collection agency and received no reply. However, an alert appeared on his credit check monitoring account under the "Public Records" section. It contains the name of the collection agency, the date, the type of account, and the amount owed. Can anyone tell me what this means, and whether or not the collection agency had the right to file this alert?

2007-01-04 07:24:21 · 1 answers · asked by sweetsunflowergirl 2

I keep seeing offers for free credit reports. But you always have to signup for a month of service that will continue in perpetuity unless you go to them and tell them to cancel. Is there a way you can get just ONE free copy of your credit report and have no commitment for anything else?

e.g.
http://www.truecredit.com/entry/trueCreditEntry.jsp

2007-01-04 07:01:36 · 10 answers · asked by HomeSweetSiliconValley 4

Why do I get asked for the 3 digit code on the back of my debit card? Any details would be greatly appreciated...

2007-01-04 06:58:03 · 7 answers · asked by logonafire 1

2007-01-04 06:57:32 · 3 answers · asked by Cuteness 4

If you are applying for a secured credit card, will they still do a credit check? Are you instantly approved for a secured credit card if you make a deposit.

2007-01-04 05:50:45 · 4 answers · asked by Dan L 1

How long will it take?

2007-01-04 05:41:21 · 6 answers · asked by Jackinthebox 2

2007-01-04 05:03:51 · 6 answers · asked by syphsss 2

do u do that ? or there is no need for it?

2007-01-04 04:52:34 · 6 answers · asked by Anonymous

2007-01-04 04:22:23 · 3 answers · asked by alan h 1

Iam in indi and I have apay pal account. How do I receive payment in India?

2007-01-04 04:18:14 · 6 answers · asked by Brahmanda 7

i have bad credit from a few years ago thats all paid off. any good lenders out there that work with bad credit

2007-01-04 03:44:32 · 6 answers · asked by bub 1

I have been cleaning up my bad credit for some time and I found a charge from fleet CC on my report. I am fairly sure that the debt was paid, but I don't know how to contact the company to research the issue. I got this off my experian report.

2007-01-04 03:23:40 · 8 answers · asked by Andy Jones 2

If so tell me your story, so I can hopefully learn from it thanks

2007-01-04 03:19:02 · 5 answers · asked by phenom 2

My fico scores average 660. APR's on the cards are 14.24-22.24% and my secured loan has a 13.95% fixed APR. I took out the loan to cover $1800 for surgery expenses that my health insurance would not cover because of no available credit on any cards. When I was approved for the loan, I asked the loan officer to raise the it to $10,000 so I can use it to pay off credit cards by consolidating the debt. The loan's monthly payment is $235 for 5 years. My credit card's monthly payments are $320. Once the cards are paid off, I will save $85/month and only have one monthly payment to make. My main concern is: 1) Will paying the cards off all at one time hurt my fico score, if so, how should I pay them off over time? 2) Should I keep the cards open to show a low balance to credit limit ratio? 3) Or- should I close any of the cards and/or lower their credit limits? 4) Will having an unsecured $10,000 loan hurt my credit limit to balance ratio? 5) Will having the loan hurt or help my fico score?

2007-01-04 03:14:52 · 5 answers · asked by STEPH 1

By which I mean things like cashback deals on mobile phone contracts where if you want to actually pay the monthly amount you are supposed to pay then you have to keep all the bills (and they know you won't bother) - things like that?

2007-01-04 03:12:32 · 3 answers · asked by artegall1 1

My car was repoed in 1998. It is no longer on my credit report. I got married in 2002. I have a deposition to go to regarding this issue. I am not employed and haven't been since I got married. Will they make my new husband pay? Can they take our car or house?

2007-01-04 03:02:48 · 10 answers · asked by annabelle_009 2

I just wanted to know the basics on a lien.

2007-01-04 02:40:09 · 2 answers · asked by Antonio S 1

I am trying to get my paypal account verified.Does paypal contact u after you enter your credit card?
I am trying to get my paypal account verified..Do u know if paypal contact u after you enter your credit card information.I live in canada

2007-01-04 02:35:38 · 1 answers · asked by Rose b 1