Credit - January 2007

If I get an auto loan from a bank, would I need to put up a down payment with a 700 FICO score? The loan will be from $12,000-$14,000.

2007-01-03 14:25:40 · 11 answers · asked by Don 2

2007-01-03 14:08:32 · 2 answers · asked by christal stanhope 1

I have been unemployed for over a year. I have been able to keep up with all our credit card debt until now. I have tryed to call the credit card companys for help and they won't help until I am way behind, I am trying to avoid this. What can I do to get them to drop the interest rates on our cards?

2007-01-03 13:47:31 · 2 answers · asked by Wyoming 1

2007-01-03 12:59:33 · 14 answers · asked by Black Rose 4

Please answer only if you financed with them. Should I go for it? I have to pay the $500 tomorrow. Should I do it?

2007-01-03 12:58:05 · 3 answers · asked by Anonymous

2007-01-03 12:41:48 · 6 answers · asked by Dizzstroyer 1

I've been paying on my car loan for over 53 months without a hitch on a 60 month contract, lost my job 6 months back and couldnt afford to make 2 car payments which has now made my account 2 months delinquent even though I've started making regular payments again. The bank sent repossessors, the repossessor stated that the vehicle has been reported stolen and they need to recover it. Is this true? Can a Bank or Repossessor report a vehicle stolen?

2007-01-03 12:38:34 · 4 answers · asked by Alex H 1

49$ was withdrawn from our bank account and weve never heard of this company, our bank only knows the name of the company, no phone number so we cant call and raise hell! these people are thieves and everyone should beware!

2007-01-03 12:16:41 · 3 answers · asked by oldhippy6013 1

Hello,
My husband bought a TV in 1990 and never paid on it (don't ask me why) from a store called McDuff. In 1994, McDuff filed for banqrupcy and closed and in 1995, the collection was charged off. Now, on the 3rd day of Jan., 2007....12 years later.....they called me and told me that he still owes this debt and he must pay it. It already came off his credit....it obviously didn't hurt us getting our house 5 years ago....plus, they tacked on like $300 on top of it. So the whole amount is like $400 they are saying he owes. I'm not proud of my husbands past financial mistakes but does he really owe this debt and what can they do to us??? Thanks!

2007-01-03 12:08:21 · 10 answers · asked by Anonymous

2007-01-03 11:53:53 · 3 answers · asked by chucky 1

I wanted to know if any one has ever had to give their car to back the bank due to a loss of a job and not able to make the payments any more. I have lost my job and I am not able to make my car payments anymore. How do I got about returning the vechile to the auto loan place? And what should I expect after that?

2007-01-03 11:53:37 · 7 answers · asked by duh..... 1

I was told by somone who works for a credit reporting agency that when FACTA (The Fair and Accurate Credit Transactions Act) came out back in 03 or 04, eliminated any restrictions that were in place that prohibited mortgage brokers and lenders from giving out a copy of the credit report. Any insight???

2007-01-03 11:37:12 · 4 answers · asked by ograndetyler 3

yes the person whom I joined with does have a really high credit limit of 20k he's had it for several years! The problem is that we have not received our new credit cards, so I must call and also verify on when they will report this in to my credit report, right? Because in order for it show I do need to activate the card right? Any more advice on this please reply, I really appreciate it, Thanks!

2007-01-03 11:37:11 · 2 answers · asked by cavitia 2

I got this 50 dollar visa gift card for x mas and i tried to buy something online with it at americaneagle.com and i entered the number in and it said ERROR: the number you entered is not valid.

or something like that. is something wrong? isnt it suppossed to work online too?

2007-01-03 11:31:16 · 10 answers · asked by @ |* ! @ n @ ♥ 4

i have really poor credit rating and carnt get credit from anyone.also because i dont have any debt now nobody is willing to give me a chance.were do i go???

2007-01-03 11:17:43 · 6 answers · asked by bigbaps 3

2007-01-03 11:07:37 · 7 answers · asked by cavitia 2

I am about to get myself into a debt consolidation program. Got some pay day one loans, credit cards, lost work at the office. Can someone tell me of some good places for this in California. Please share your experiences with the places and how much I end up paying. Thanks.

2007-01-03 10:37:12 · 5 answers · asked by Anonymous

Am I able 2 talk & reason w/these credit card comps 2 stop or hold on 4 a few months untill I start working again, or is there another way of not loosing my credit &/or lowering my score. Please help, Thank U

2007-01-03 10:10:31 · 2 answers · asked by Hornylias 2

When I was 18 years old, I moved into my first apartment & lived there for 2 years. I moved into another place & then moved out of the city. When I relocated & tried to get an apartment I was denied. Come to find out I had an eviction & owed the apartment complex. A family member went in & forged my signature on another lease. I know I should have reported them, but I didn't. I eventually found an apartment but it was kind of run down & I had to pay the full deposit. Since then, I have been working on raising my credit score & I have paid the amount owed to that apartment complex & it shows paid on my report, but not sure if that would make a difference being that it was an eviction.

2007-01-03 10:04:41 · 6 answers · asked by ndhlp28 1

Can you obtain a secured loan having only owned my new propert for 6 weeks.

2007-01-03 10:03:06 · 6 answers · asked by ROBERT E 1

2007-01-03 09:59:14 · 8 answers · asked by gordon h 1

I currently don't have a credit card. If i get someone to co-sign one for me, will their credit history affect mines? For example, if that person misses a payment, does that ruin my credit too? I know that i can ruin the co-signer's credit, but does it go the other way around

2007-01-03 09:48:32 · 2 answers · asked by Dan L 1

Please share your experience, almost half of my $19,000 debt is fees and penalties. I want to avoid any wage garnishment but I can start making modest payments and want this off my credit report.

2007-01-03 09:47:19 · 5 answers · asked by johnking1972 1

Just looking for a recommendation.

2007-01-03 09:46:14 · 8 answers · asked by just lise 2

Didn't the law change with FACTA?????? If someone knows, please give me a reference of some kind so that I can show them and get a copy. Thanks so much!!!

2007-01-03 09:36:31 · 4 answers · asked by ograndetyler 3

http://www.fair-debt-collection.com/junk-debt-buyers.html

I had a big problem. I owed a debt due to unemployment. I asked for advice and people were telling me not to pay it because it would restart the clock. The problem: a double entry on my credit report - one from the orgl. creditor and one from the coll.agency. It was kind of unfair because this was zombie debt that resurfaced out of nowhere, 4 year old debt being reaged. I figured I was unemployed for a year and a half - the original creditor got his "reward" (acct. was sold AND was written off) - so I decided to not look back and simply be a good citizen moving forward, which I did. A lot changes in 4-5 years.

Now I have this agency giving me the silent treatment, after writing letters because my credit report tumbled 30 points because of their "fresh entry".

Read the link above, if you scroll lower under #4, "Multiple Listings of the Same Debt" - which means that I can actually fight this. Keep the faith!

2007-01-03 09:36:07 · 2 answers · asked by Jess T 3

im willin to pay 200 to 300 a month for this lets keep it real when responding please is sync lending real or something like dat thank you

2007-01-03 09:31:46 · 4 answers · asked by honesty_lil_mama 1

I don't have much credit so it's been hard to find a place that will give me a loan. I just got an answer back from Charma Wells Financial Group, but from what I here on here it's nothing but a scam. I need to get a loan fast to pay for attorney fees since we're trying to get custody of my fiance's daughter since her mother is abusive. Help me please!!!!

2007-01-03 08:59:33 · 7 answers · asked by sqky15 2

2007-01-03 08:51:47 · 5 answers · asked by twintoddlers1997 1

Also, I found that they put the total amount on a revolving account. This is now in dispute - I contacted BBB and the Attorney General of TX. At one point I thought we might have an agreement with the BBB over it, but now the credit card company (GE Care Credit) is pursuing me for payments over the phone. I am not having the procedures done, and am contemplating not paying the credit company . What could happen if I do not pay them? They are not performing the procedures, and the account was opened up with out me being aware of this financing (contract had small lettering disclosing this).

2007-01-03 07:50:41 · 4 answers · asked by ronla 1