Credit - February 2007

thank you for your help........................

2007-02-28 22:46:43 · 1 answers · asked by Anonymous

and they said they have blocked my credit card because they have reason to believe someone has got my details. what does this mean please? has someone stolen my identity? should i change my bank details, all other credit card details etc? i am very worried.

2007-02-28 20:34:09 · 11 answers · asked by Kelly 5

will it lower your credit score??

2007-02-28 19:18:37 · 7 answers · asked by Lynx S 1

Life can be funny, you look around and you've played alot and messed up so much all of a sudden you're "33" your credit is shot, job sucks, not married, but I have kids the addiction of bad habbits,( NOT DRUS) has a ancor on my life it seem , and now IIm seening the big picture of the things I want a house, being able to provide for my kids etc. it seems every time you see a way something else comes up where you have to speend money you dont have putting you back in the whole, that it seem's you never get out of. everyone else is advancing I know what i want but getting thier is the question where do you start ?????

2007-02-28 18:23:58 · 12 answers · asked by CJ 2

For IRR calculation ( related to bank loan financing) We have to calculate cash inflow and cash outflow . Now what does cash inflow ACTUALLY mean -- Is it NET PROFIT as per P&L a/c + DEP.
OR
"Cash Generarted from OPERATION " as per cash flow statement?

2007-02-28 17:19:09 · 1 answers · asked by SOUMYA JYOTI m 2

I'm not deliquent on anything. I have the same bills as before. I'm not sure what could have caused it to fall 15 points.

2007-02-28 16:41:50 · 11 answers · asked by Jay S 5

Due to some very serious illnesses and life circumstances, I have an extreme amount of debt. Most of the accounts are closed and charged off but at least one is in collections and they are constantly calling my dad's # (I lived there years ago) and driving him crazy. He is very ill and getting upset with me. I am on SSD and have no money to pay these debts at this time (maybe never). I was cautioned not to contact the collectors via phone as they are very nasty and cruel (my disability is major depression and as weak and wimpy as it sounds - I'm very nervous about hearing the nastiness that's surely to come). I know this is my responsibility and I guess I'm just not sure what my next step should be. Any input would be greatly appreciated.

2007-02-28 16:32:53 · 3 answers · asked by creditoops 2

2007-02-28 16:16:18 · 1 answers · asked by Michael C 1

I want to start a business that's very profitable and am wondering what the requirements are for a business loan. Thanks.

2007-02-28 16:09:58 · 1 answers · asked by itguru5354 1

I am looking to relocate back to my home state of Texas. I am looking at a foreclosure in the area I am interested in. I need to find financing for under 60,000 with really horrible credit. Like under 450 fica score kind of credit. Also, I have no money for a down payment. I will be going to work for the family business. I am a single mother who has had to spend all her savings in court battles in Virginia and have been residing with a friend while in limbo.

I just want to go home. I am tired of paying rent and it would take a while to get established if I had to stay with family. Anyone have any suggestions?

2007-02-28 16:04:18 · 8 answers · asked by laraiyne 2

2007-02-28 16:04:11 · 2 answers · asked by Sueanne P 1

What is a good credit score???

2007-02-28 15:37:38 · 5 answers · asked by JAH 1

if you came into a lump sum of money, which would you pay off first?

2007-02-28 15:31:44 · 6 answers · asked by Laughing 4

I moved around a lot so I don't know if it got lost in the mail or something like that. Is there a way I can check? Who should I contact? Anything?

2007-02-28 15:10:47 · 9 answers · asked by NY2006 2

ANY idea what the fee was and what you had to bring in to be approved for it?

2007-02-28 14:54:12 · 6 answers · asked by Labatt113 4

If I have 2 differnt accounts in 2 different banks, if I bounce a couple of checks in one bank will it affect me in a bad way in the other bank?

2007-02-28 14:47:09 · 8 answers · asked by jill 1

Apparently i missed my two mortgage payments for this month. and i got a notice regarding that. how bad is that going to affect my credit? i have a co signer on the loan too..

2007-02-28 13:54:46 · 5 answers · asked by PortReplicator 2

I have a question about the messages bill collectors leave. We received one today, and first of all, it didn't even sound "professional", because the lady's voice kept fading away like she was moving around a lot and not talking into the receiver. Also, she didn't even have the right name: she said Chrissy, but I'm assuming she meant Chris, my husband's name. A few lines of the message: "..if you're listening to this message, we'll assume you are the person we are trying to reach". I've heard of automated messages like this, after which you are connected to a live person if you stay on the line, but not messages from a live person. My point is, if they leave a message on your machine, how are they supposed to "know" who listens to it? Another line from the message ".. if you are recording this message, cease and desist" Ummm..isn't that what voicemail is for, to RECORD a message? Why wouldn't they want us to record them? Is it legal for me to do that, since they record me?

2007-02-28 13:44:03 · 4 answers · asked by crackersmacker_1 2

First of all, yeah I know, PAY MY BILLS. Working on it, thanks. This is not about me, though. My first question is, if a bill collector calls for my husband, can I be the one to tell them to stop calling, even though the bill is not mine? I mean, I know it's my problem now that we're married, but the original bill is his. This one bill collector calls about 2-3 times a day. My husband works very long hours so he isn't here during business hours, therefore he doesn't have a chance to talk to the collectors himself, and I refuse to give them his work number. As for my second question, I guess I'll have to ask later because I'm running out of characters.

2007-02-28 13:34:34 · 8 answers · asked by crackersmacker_1 2

4 yrs. ago while working in singapore,i borrowed from financing agency for my cousin's car loan.its about to get paid in 6 repayments.when i went to stay with my wife here in USA,he stopped paying the debt.now the financing bank is running after me since it is under my own name.however, im no longer living in my hometown in the philippines.my cousin who's staying at my place received lots of demand letters and even thretening to sue me in court.is this possible?whereas the company and transactions were all issued and signed in singapore?i hesitate to pay them back because i never use a penny out of the loan.now im trying to collect money from my cousin but it seems impossible because he is out of job.and we dont even have any signed agreement (between me and mu cousin).one thing is im already a permanent resident in US

2007-02-28 13:16:31 · 4 answers · asked by butch a 1

Im making enough money to pay off all of my debt (student loans, credit cards) within 6 months. However I heard that paying consistently over the course of several years would be better for me credit-wise. Is this true?

2007-02-28 13:03:14 · 3 answers · asked by Chula 1

i know establishing credit thru a credit card is the top way to establish credit. what other factors? loans? living status? this all before owning a home and car. thanks

2007-02-28 12:58:29 · 7 answers · asked by nycgreekguy004 1

im curious at what kinda score u have to get a certain limit on a card. lets say u have a 500 score what kinda limit u get? or 600? or 700 ect..thanks!

2007-02-28 12:54:01 · 5 answers · asked by nycgreekguy004 1

Here is my situation. Me and the wife just applied for a our first mortgage. She has a credit score of 673 and I have the bad one of 584. I went ahead an pulled my reports from the 3 credit bureau's. I have 5 accounts that are in collection or are delinquent. These are minor dollar amounts. Only like 44, 179, 144, 202 and 180. What is the best way to fix this without going to a specialist and paying the extra money. I have all the contact information of the creditors so I can contact them directly now. Should I call them (not mention I'm buying a house) and say I want to work with them to get this off my report? Then infer I don't have much money but what is the least they will take to call it even? I have been much better with my money for the past 4 years with nothing negative. And once this is done, how long till I see it impact my credit score? Thanks for any help.

2007-02-28 12:47:51 · 4 answers · asked by navydave1974 2

I would like to purchase a $165-170 condo in the Minneapolis area in December with a reasonable interest rate. My take home pay is around $48k. My current scores are 608 581 and 525. I have been dilligently working on paying everything on time and paying down on my 1 credit card. I need 100% financing also. I've checked all 3 reports and have disputed what is ligitimate. One big thing that is hurting me are the inquiries I have 9 4 of which that will drop off by the end of summer. What can I do? I dont' feel I'm in debt enough to use a credit counselor. But have a little one starting school and need to permanent place to live for him! HELP!

2007-02-28 12:38:39 · 6 answers · asked by curious1 1

I've had my auto loan for 6 months now with Chase Auto. I've paid ontime each month, and they report it to the credit bureau as such. How come I don't see any change in my FICO score? It doesn't go up at all!!!

Anyone know?

2007-02-28 12:18:18 · 8 answers · asked by tmkats 1

I need to purchase a car but my credit is not perfect. I have a good paying job but this does not seem to make a difference. I did have to do a bankrupcy 6 yrs ago and have tried to establish new credit. There seems to be no limit to the credit hassles. please help me get around the bs.

2007-02-28 12:08:37 · 5 answers · asked by creditblues 1

I checked my credit report today and noticed that one of my previous addresses is located in New York. I have never even been to New York! I recently closed my one and only credit card, therefore I feel I am pretty safe...however should I report the error?

2007-02-28 11:50:39 · 9 answers · asked by Anonymous

2007-02-28 11:47:20 · 2 answers · asked by Anonymous

My husband and i went to the bank a month ago to get pre approved for a home loan. All was good with our scores and our credit reports so we put a bid in on a house. Now we found out through certified mail that we have a 10,000 federal tax lien. My question....since this is not on our credit report yet, will we be able to close on the house with no troubles? It is on record at the county recorders office, but like I said, it doesn't show any liens of any sort on the credit report.

2007-02-28 11:26:10 · 4 answers · asked by larann78 2