Credit - January 2007

2007-01-02 02:51:16 · 9 answers · asked by Anonymous

2007-01-02 02:17:40 · 17 answers · asked by alan h 1

lol, I was thinking about this for a while today. I have recently got a $250 Visa giftcert from christmas, and I'd honestly rather put this money in the bank instead of spending it. As far as I know you can't straight charge a credit/debit/gift card and send the money to your bank, but here's what I was thinking...

I've set up a Google Checkout (I dunno if anyone here has any experience with them) account and linked it to my bank account. Would it be possible to charge that card $250 thru Google Checkout (aka charging myself) to have it sent straight to my bank account?

I can't see anything wrong with this plan, plus Google is offering free processing fees from now till 2008, so I would get the full $250. Any problems with this?

2007-01-02 02:07:44 · 3 answers · asked by Anonymous

And what if that cardholder leaves behind no assets except for a mortgaged home?

2007-01-02 01:55:47 · 8 answers · asked by Doris T 1

I owe aprox 40,000 to a total of 4 cards, anywhere from 18% to 33% interst. I do not want to file bankrupsy due to owning a house with my daughter.

2007-01-02 01:09:19 · 9 answers · asked by nancycarol003 1

When I went to the website from the credit card company rejection notice it was a recording that wanted me to buy a strategy plan. I just want to know who I'm supposed to talk to about it.

2007-01-02 00:43:38 · 2 answers · asked by Anonymous

II really wanted to ask you some questions, as I am impressed with many of your answers. Please email me if there is anyway you are willing to answer any of my credit questions. Thanks. Kd

2007-01-02 00:37:02 · 2 answers · asked by Kourtnie D 4

I have been threatened with a wage garnishment for a 20 year plus student loan and I was under the assumption all my student loans were paid off. But whats really strange this company has my married name not the name I used in school at that time and someone elses social security number. Can they garnish my wages using my name only

2007-01-01 22:33:12 · 9 answers · asked by Anonymous

I have a payment due tomorrow on my credit card and last months was late too, ive looked on the back of the statement and its saying even if i pay via the counter at a bank that this will take 2 days??? Is there nothing i can do even digital banking says allow 4 days? Its a bank holiday today also so it really looks like im screwed doh :(

2007-01-01 21:26:47 · 15 answers · asked by LBoO 2

2007-01-01 21:19:59 · 4 answers · asked by Jimmy F 1

I Put $35,000 on a credit balance transfer at 2.9% until 8 / 2007. They raise the rate to 28.95% because an old cell phone bill hit my credit. The card company said that it was under a Universal default clause in new contract terms.. Have tried to negotite , write letters..now considering walking away from the entire debt.. Any options or similar experiences?

2007-01-01 19:09:24 · 4 answers · asked by corporatetrade 2

2007-01-01 18:59:01 · 3 answers · asked by ckd_xl 2

2007-01-01 18:27:19 · 12 answers · asked by castmedjj 1

2007-01-01 18:19:58 · 2 answers · asked by greatdame53209 1

About two or three years ago, at age 18, I received a letter form a collection agency stating that a medical account that had gone into collections had been transfered to my credit report when I had turned 18 and that I owed them X amount of dollars. Being that I am a working student I didn't get around to paying off THAT particular bill until about a year ago. Upon paying the bill I was notified that I had 10 other accounts with them (all under $70). Between the 10 accounts, $400 interest had accrued! Aren't they required to inform me of ALL accounts I hold with them? I would have paid off the other accounts if I knew they even existed! Is it reasonable to ask them to eliminate the interest? Would it be reasonable to ask them to delete the information off of my credit report based on lack of knowledge of the accounts?

2007-01-01 18:04:19 · 6 answers · asked by James K 1

Where is somewhere you can get a free or cheap debit card?

2007-01-01 17:48:19 · 5 answers · asked by Edge L 1

I am 19. I have no credit. My first job was at Walmart, part-time for only 5 months. I go to school on a full-ride scholarship. I live with my parents. I was wondering how can I get credit? I heard about going to furniture stores and paying them on time is good. Can getting a federal student loan from the government establish credit history?

2007-01-01 17:45:17 · 7 answers · asked by filberttapaha 2

I have 2 personal loans & 1 credit card bill that are really throwing me off. I owe about $1,500 total. Are there any companies that you can reccomend to help consolidate these three to get them under control? Thanks

2007-01-01 17:44:58 · 2 answers · asked by annie 6

can you go to jail for it?

2007-01-01 17:06:31 · 10 answers · asked by against_all_odds 2

I was working and was paying my credit cards on time then i feel to an illness of spinal and neck surgery i'm unable to work and no living on disablity, what will happen to me and the credit card company since i can't pay them any more the credit card are low most are about 300.00 in total limits should i cancel the cards since i cannot pay it and if i do will they sue me??

2007-01-01 17:06:02 · 8 answers · asked by friendsrgood42 1

I closed my bank account with RFCU last year becuase i thought i had found a better bank.Wrong!! I want to go back and open up a new account with RFCU is this possible?

2007-01-01 17:03:43 · 5 answers · asked by Anonymous

My fiance got into a really bad car accident. He was driving without insurance and hit 2 cars. His car got impounded and he left it there so it got reposessed.

He owes a total of almost $28,000 and no one wants to take payments lower than $2000 at a time.

Should he file? Prior to this his credit was good with no delinquencies or collections. The reposession dropped his score to lower than 600.

Any Advice??? Please help!!!

2007-01-01 16:32:29 · 6 answers · asked by SexyStudMuffin 2

Most of my savings is gone and I make very little money (like 600 month) and will no longer be able to pay them as I need to keep every last penny for my rent and basics , which will also run short soon. I have paid my cards for the past 10 years with no issues but since losing a fairly good paying job last year (good pay because of all the years I worked there) and have a job that pays little and I have to take a cab home from work in the evenings and also don't have a regular work schedule and work different shifts every week. There is no way I can pay my cards as I would have to make 3 times as much to cover everything and that isn't going to happen for me with no education. How long is it before they can do anything to me? I am going to send them a letter letting them know I can no longer pay.

2007-01-01 15:50:09 · 10 answers · asked by stillnotsure 1

I'm $7000 in debt and I need to rid myself of that debt before I can start my new life with my lovely english wife. My credit is horrible but I wanna ris myself of all my debt so i can try and improve it. Is there anyone I can talk to about consolidation loans or if anyone has any ideas about what I can do. I love my Girlfriend and we can't start our life together til i do this. PLEASE HELP!

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

I would like to surrender my ownership of a car. I have no income and no recources to make the payments. I want to transfer full ownership to my father, but he is actually a co-signer on the loan and his name is also on the title with mine. I don't think you could transfer ownership to someone whose name is already on the title. I really just want to take my name off it and leave his. Does anyone know how I could do this? (The car is registered in New York State.)

2007-01-01 15:16:21 · 7 answers · asked by Anonymous

I am 19 and will have around a 700 FICO score after I pay all my credit cards off at tax time. I have had a full-time job for over a year now and make $9.25/hour. That puts my monthly gross income around $1,600. I am currently living at home with no housing expenses. I know most banks have a minimum income requirement of $1,500, but I am wanting to get approved for a maximum $12,000 used auto loan. I would like to carry the loan out over 60 months which would make my payment lower than I am paying now for a car payment. I would make sure the car I would get should have a great Loan to Value rate and would be reviewed highly. Is that good enough to get my loan?

If I need a co-signor, the only one I have makes about $27,000 yearly, but only $300/week is verifiable via paystubs (she is a waitress). Her credit score is about 630. Would that be enough to raise the combined income to get approved if I would need a co-signor?

2007-01-01 15:02:52 · 8 answers · asked by Don 2

I just got my first credit card and I wanted to try it out so I went to the grocery store and bought a soda. However my credit card was declined. The card is activated and I'm certainly not over my limit, so what could the problem be?

2007-01-01 14:35:00 · 10 answers · asked by Anonymous

It's not that I'm behind on payments. I been receiving so many propositions through mails and internets recently. Especially I'm unemployed.
I remember during upper 1970s. When if I decide to get a credit card. fill out an application then mail it. Most of the time receive rejection letter, few times the card comes. It was hard to get credit card.
What happen? Than it was impossible now it's too easy.

2007-01-01 14:34:00 · 5 answers · asked by Mattman 6

2007-01-01 13:23:42 · 9 answers · asked by JUSTASKING 1

The gal Bob was married to previously had an operation to help with an obesity problem. The health insurance did not pay so they got a loan and both signed. When they divorced, she said she would pay that bill and this is reflected in the divorce which Bob did himself. Now she has stopped paying and it's reflecting on Bob's credit. She has moved to California to avoid having a judgment placed on her and we're stuck with this negative information on his credit score. All the professionals we've consulted tell us the only way out is to pay it ourselves but we really can't afford to take on this financial burden. I would very much appreciate hearing from anyone who's been through this or has successfully fought a similar problem.

2007-01-01 13:12:38 · 6 answers · asked by Linda A 2