Credit - January 2007

I currently have a debit card and find it very convenient while making transactions at merchant dealers and online. But, most of my friends have a credit card and tell me to take one. I always think of credit cards as a way of getting caught in the 'loop of loans'. But my friend tells me that using a credit card is a good way to build a credit history. Please comment on this. And also tell me some good credit card companies.

2007-01-02 08:20:30 · 11 answers · asked by NoviceChap 1

...can anyone advise me on companies that will take me? Considering the price of houses I would need a fair amount and I could get a deposit although nothing great!!! Help!!!

2007-01-02 07:55:55 · 12 answers · asked by secret_smile4u_only 3

my credit score is a ghastly 595 (stupid things i bought and negelected the bills for). as i get older, this just doesn't suffice, especially if i want to move out or by a new car.

what's considered a good score, and how can i build up my score aside from paying off what i owe?

2007-01-02 07:18:44 · 7 answers · asked by noxregrets 2

I recently refinanced with another company and the original company charged me a $500 fee. It is clearly stated that they can in my contract, but I still question the legality of that.

2007-01-02 07:17:21 · 2 answers · asked by Stephen 2

I have other bills and have 2 children to support. I work full time and my credit is not very good at all. I went bankrupt 2 times when
I was married and was doing great but my son was in a terrible ATV accident and I was out of work for several months and lived on credit cards. Food, utilities, gas, and other things needed. My Ex and i share joint custody of our children but my kids do not go to his home very often. If I mention money my ex says he doesn''t make them stay with me. Turns into a big fight, My boys are both older (18 and 17) my oldest works but my youngest (the accident)
he is struggling with school work(had a brain injury) and I dont want him to fail it's his Junior year of high school. HELP???!!!

2007-01-02 07:12:32 · 4 answers · asked by Karen K 3

2007-01-02 06:56:26 · 6 answers · asked by Daniel C 1

I have 2 student loans. One of them is through American Educations Services, and the other one is through Sallie Mae. I'm having a hard time keeping up with both of them along with my other bills (rent, car, insurance, etc.) What is the best way to go about consolidating them together, or is that even possible? Thanks in advance.

2007-01-02 06:54:54 · 3 answers · asked by hockeydude25 4

I have a collection on my credit report. In 5 months the SOL for my state is up. I owe them 350 and now it's like 700 including interested. Do you think they will sell my account back to another collection agency before the SOL is up? I'm afraid they if they sell back I have to deal with the second collection agency all over again for 7 years.

I know Studly ( yahoo user ) could help me on this . I have tried emailing you a couple time but no reply. Please studly reply with your email address thanks.

2007-01-02 06:54:04 · 4 answers · asked by extremelucky7 1

2007-01-02 06:47:36 · 8 answers · asked by Anonymous

i am consistantly being charged by my bank. i don't qaulify for a overdraft facility. i am currrently working two part time jobs, i also recieve ema of £30 a week. my ema payments always arrive either late or are missed due to school teachers not processing on time. recently i was overdrawn only for one day, and got paid the next day. each time i am charged £25. The next charges are being applied on the 4th of jan for the amount if £50. £25 is for the first day of being overdrawn and the next £25 is appalied the next five working days.this is totaly unfair, i am for ever paying money back to the bank. i am only 18 is this not ellagal for a bank to charging me continuously putting me more and more in to debt.

2007-01-02 06:41:20 · 9 answers · asked by navpreet g 1

i am consistantly being charged by my bank. i don't qaulify for a overdraft facility. i am currrently working two part time jobs, i also recieve ema of £30 a week. my ema payments always arrive either late or are missed due to school teachers not processing on time. recently i was overdrawn only for one day, and got paid the next day. each time i am charged £25. The next charges are being applied on the 4th of jan for the amount if £50. £25 is for the first day of being overdrawn and the next £25 is appalied the next five working days.this is totaly unfair, i am for ever paying money back to the bank. i am only 18 is this not ellagal for a bank to charging me continuously putting me more and more in to debt.

2007-01-02 06:40:56 · 11 answers · asked by navpreet g 1

I mean they are worth billions and they want to sue me for $600? gimme a break!

2007-01-02 06:38:13 · 11 answers · asked by AL IS ON VACATION AND HAS NO PIC 5

Do I need to get a lawyer or collections agent? Please help.

2007-01-02 06:30:59 · 17 answers · asked by kitkat 3

She lost the phone number to call and we need to know how we can contact or locate them. Not really sure what the name of it is. It is in Arkansas thanks.

2007-01-02 06:29:34 · 4 answers · asked by jared d 1

has anyone tried any of the credit cards for poor credit, do they work and what problems has anyone had with them

2007-01-02 06:10:39 · 13 answers · asked by barbara j 1

Just wondering if its better to refinance or take out a home equity line of credit as far as credit damage. Thanks!

2007-01-02 06:01:20 · 1 answers · asked by Anonymous

2007-01-02 05:56:17 · 4 answers · asked by shorty2002 2

Can any good people lend me 500$ fast, to pay rent.
Thank you. Hope there are good people in this bad world

2007-01-02 05:33:22 · 3 answers · asked by Anonymous

2007-01-02 05:18:04 · 2 answers · asked by matthew b 2

card number cause there is a surcharge.

2007-01-02 05:15:02 · 8 answers · asked by matthew b 2

I am currently in the process of restoring my horrible credit. I have already sent off my settlement letters to different companies, 2 of which are credit card companies. If the company agree to the settlement offer, I will be paying a total of $1,114.56, if they don't then it will be $2,048.21. I really want to start buying a home by the summer. Unfortunately, I am depending on my financial aid & taxes to pay on my credit. If I do this, I won't have any money left for ernest money, down payment and all the other charges that comes with buying a home. Thing is, I'd like to buy a forclosure, and I'd have to be 100% approved to do so. So in order to get the 100% approval, I have to get my credit in good standing. Are there ANY loans or someting out there where I can deposit my taxes & financial aid into a cd & save that for buying my home & using the loan to pay my bills. Keep in mind that my credit is not in the best shape. I read something about using your cd to borrow money against it

2007-01-02 05:01:59 · 8 answers · asked by Lele 1

2007-01-02 05:00:46 · 13 answers · asked by Anonymous

2007-01-02 04:38:17 · 3 answers · asked by LUCIA H 1

2007-01-02 04:28:16 · 7 answers · asked by Veronica B 1

I went bankrupt over a year ago and I need to get a new credit card in order to re-establish my credit record. Can anyone recommend a decent card for bad credit? Thanks.. ;-)

2007-01-02 04:20:38 · 4 answers · asked by Anonymous

I just paid off my credit cards. How long will it take for FICO to recognize this and raise my score?

2007-01-02 04:17:24 · 5 answers · asked by Dan M 2

2007-01-02 04:05:02 · 5 answers · asked by maria silvia R 1

I was given an email saying someone had left money for me in a will.I t is supposedly a lawyer on my behalf.Then I was also contacted by a bank who verified the funds can be transferred in my savings account.I really want to know if it is a scam I want to report it.
thanks, Me

2007-01-02 03:35:04 · 6 answers · asked by Just Me 1

2007-01-02 03:02:28 · 4 answers · asked by Marcelo 1

are prepaid cards good? They're like gift cards but they're for everyday use. I cant have a checking account (and apparently you need one to get even a debit card) and this just seems easy.

2007-01-02 02:58:31 · 5 answers · asked by Des 1