Credit - January 2007

2007-01-29 16:41:01 · 8 answers · asked by Anonymous

I'm sure this is repeating others, but I want to clarify my situation. Hubby-to-be has many collections on his report that I'm trying to clear up. Most of them can be paid, but we're not made of money We got a copy of his credit report, which gives estimated dates of when the items will be removed. Does this mean whether they are paid or not, they are removed? For instance, one that hasn't been paid is due to fall off on 4/2007. Will this actually happen, or will it somehow stay on for another 7 years? I never had to deal with this on my own credit report as all my mistakes were made when I was 18/19 or so. Also, with medical collections, are those shown on his credit report if pulled by a bank or something like that? My understanding was that it wouldn't, but who really knows? I'm sure it affects his score, but I don't know if it can actually be seen. Thanks!

2007-01-29 16:36:59 · 7 answers · asked by Aussie Mommy 3

2007-01-29 16:27:30 · 4 answers · asked by Digital_confused 1

From a legit place, not having to pay for anything (my info right?) and not having to sign up for anything....

2007-01-29 16:17:34 · 10 answers · asked by Myra G 5

everytime i try one they always ask me to input some type of payment option. so that does not make it free now does it. can someone please help me out?

2007-01-29 15:05:53 · 4 answers · asked by Anonymous

I have a Fair credit standing. I would like to ask collectors of 2, 4 year old charged off accounts that were sold to remove these items from my report. The accounts have been paid in full. Am I wasting my time sending letters to request the removal, may I offer to pay a fine for removal, or is it set in stone required that all negative credit remain for 7 years?

2007-01-29 14:07:27 · 2 answers · asked by questions 1

If someone is trying to clean up their credit and there are charge-offs,should they try and pay these off or just forget about them? I have a customer that has really bad credit but wants to buy a home and i have teken it upon myself to attempt to help them clean their credit. They have civil judgements they will pay first and then there are these two charge offs on autos... I am not sure whether they should pay them off or what. I was thinking that maybe if they pay on them for a year and show that they can make the payments for a year it will look good to the finance companies. Any suggestions?

2007-01-29 13:53:00 · 4 answers · asked by amazedmaize 2

Here's the scenario: Someone used your name and ssn# to sign up for and make purchases that required credit approval. Things were not paid for and have created debt and impacted your credit negatively. If you were to report these negative items as fraud to get them off of your credit report, what consequences would this person face? And wold this person have to faces the charges held against them in order to clear your credit report and debt?

2007-01-29 13:26:46 · 4 answers · asked by JRela2000 1

2007-01-29 13:17:43 · 4 answers · asked by Lequinn H 1

Okay, this is a little complicated. My fiance and I are about to get married and want to buy a house, among other things. Basically, we're trying to get his credit rating higher, because in his younger days he was a little careless with his credit. He had a repo which he has just paid off, and some other debts which he has either already paid off or is about to have paid off.

My question is regarding his credit rating. I'm getting conflicting information about wether or not a repo is removed from bad standing in a credit report once it is paid off in full like we have done.

Like for instance, he has paid off his one credit card, yet it still remains in bad standing, even though it is paid and up-to-date. (he missed one payment last year, 30 days late)

How can we get his credit rating up to snuff to buy things like our first home? Will this repo stay on his credit for 7 years, or will it be removed?

This is all so confusing, I wish it were easier to understand :(

2007-01-29 12:50:20 · 11 answers · asked by Carey_w_98 2

I don't mind paying a fee, I just want a reputable and fast-acting company. Thanks for any information about any such companies.

2007-01-29 12:29:58 · 2 answers · asked by isis 4

I have a debt because of someone else and they are now saying that they are willing to take responsibility for that debt by transferring it to their name so that it wont affect my credit. Is that possible and how can it be accomplished?

2007-01-29 12:28:44 · 3 answers · asked by D 2

sounds silly - but I heard this at work today & was wondering if anyone else has ever heard of this

2007-01-29 11:51:57 · 4 answers · asked by pebbles 2

One is under My Name, IV. and the other is My Name, V. Both have the same social security # and account #. There should be no credit report for My Name, V because that person doesn't exist. That report shows accurate credit info that applies to me (I am IV) but it is very old. It looks like I have no credit other than student loans. This is what creditors are seeing and I keep getting denied for loans since I have no credit history. I contacted Equifax and they said they are "unable to combine your multiple credit files due to the amount of data in each." Does anyone have any ideas where I can go from here??

2007-01-29 11:49:15 · 5 answers · asked by TF 1

I realized that Equifax has 4 accounts open for me (correct) and TransUnion and Experian only two. Is there something I can do, can I report it to them or only lenders are allowed?

2007-01-29 11:49:14 · 1 answers · asked by Alanna V 2

We are in our late 20s homeowners but (unforunatley)not very rich. We have children,and live in N,Ireland.

2007-01-29 11:39:01 · 12 answers · asked by Anonymous

This is embarassing to admit, but one of my credit cards' APR is 33% (long story)! I have signed up for additional cards with 0% balance transfer rates. Any suggestions on how I can better approach this situation? Reducing spending has been implemented.

2007-01-29 11:35:19 · 6 answers · asked by Juse 2

2007-01-29 11:18:13 · 1 answers · asked by Anonymous

If my credit history is poor(trying to rebuild it slowly now!), I will probably need a cosigner for my car I would think. Would a co-sgner with a 6 month credit history which is short but they been oustanding with there payments be of any help in getting approved for this loan?

2007-01-29 11:13:09 · 4 answers · asked by Anonymous

2007-01-29 11:10:16 · 2 answers · asked by JAB 1

Ok, so long story short, I have a bill collector that I need to pay. I was recently sent to this bill collector by an attorney's agency that would not accept my debate of "it was covered by my insurance, call them" (as you can see it's a medical bill for some anesthesia) and sent my file to a collections agency. Trouble is, they've never sent me anything, and when they called at the beginning of this month, I told the guy to email me with the info so I could call when I had the money to pay, and they never emailed me. Where can I find this information online for free? Please help. Thanks for all the answers.

2007-01-29 10:45:35 · 7 answers · asked by Tracey 4

my bf had is ss card stolen a long time ago he was early 20s and did not have a drivers licesne that person used it to get one and has been driving around on a cdl .. then he got tickets and it was supended.. my bf has been trying to get all this cleared up .. he is 30 now and never had a driver liscens.. i went on line to pull up his credit and that guy is also using his ss to get credit and not paying for it... we took out police reports and contacted the fraud division that the ss office told us.. and it has been months since then and nothing.. what elas can we do..they guy has been in ga.. fl..ca.. all over the us.. he never stays still

2007-01-29 09:53:33 · 2 answers · asked by ? 5

My credit score is currently 570 and I want to improve it but because my debt is all in collections and they are all at least 3 years old I don't know what to do.

2007-01-29 09:51:29 · 11 answers · asked by sheila s 1

I would like samples to provide for my teen daughter, such as feminine products, deodorant, etc...

2007-01-29 09:41:40 · 4 answers · asked by acmccn215 1

My fiance and I are wondering if her two previous bankruptcies (one 9 years ago and one a year and a half ago) will effect my credit adversely, and if so are there steps that we can take to protect my credit?

2007-01-29 09:27:40 · 5 answers · asked by Northy 3

For example: I have a store credit card that charges me 26% interest and another that charges only 12%. I have always thought that stores could not charge more that 21%.

2007-01-29 08:27:46 · 7 answers · asked by krodgibami 5

I'm trying to rent an apartment in April but I just got a copy of my credit report and my credit score is very low. Will an apartment complex automatically turn me down or do they usually make you pay an deposit? Any help would be great. Thanks.

2007-01-29 08:07:25 · 9 answers · asked by sparkle2720 2

Yes, the limit is $600, so I know I can go up to that amount each billing cycle. However, I've been told that a low debt to balance ratio looks good and that you should never go over 1/3 of the cards limit because it looks like you're spending just to spend. On the other hand, I've heard that you shouldnt spend too little either. The lady at my credit union says that my spending history looks good and I'm on the right track and my credit score is increasing. What exactly increases my credit score and how can I make it go up faster? How do I know what spending range to stay in on my card?

2007-01-29 07:50:49 · 8 answers · asked by Anonymous

2007-01-29 07:48:20 · 3 answers · asked by masekdallas 1

I have recieve mixxed opinions on this from people. I have 4 credit cards currently. 2 of them have balance transfer cards which I am not accuring interest on. 1 of them is a card that I keep a low balance ,on but dont want to close out because it is an airline miles card. The 4th card is a card where interst just kicked in on ( originally a zero interst transer card). The balance is about 2k and I have the abilitiy to just pay that card off this month.

My question is --should I close the account out when I eliminate the balance, or does that hurt your credit?

2007-01-29 07:30:53 · 7 answers · asked by Anonymous