Credit - February 2007

I had credit problems in the past but its been two years now since I graduated from college and now with a good job I am trying to fix my credit. I pay off already most of my old debt that was in collection. I also have one judgement in my credit report. Should I wait a few months till my credit score is better? My credit score have improved a lot in the last two years. I also check my VantageScore and that is an F or 595. Do car dealerships check both credit scores FICO and Vantage? The car I want is a Honda civic and my income is around 40 k

2007-02-24 07:05:31 · 5 answers · asked by Francisco D 1

2007-02-24 06:50:20 · 3 answers · asked by Anonymous

I also have on my credit report a few old debts and one judgment which is already paid and have a student loan on good stading.I will pay all of my old debts before trying to apply for a car loan. The good thing is that I worked for a good company for the past 2 years and only have a one credit card with a good history.

2007-02-24 06:25:27 · 16 answers · asked by vxeds 1

Okay, I'm going to get my financial aid in a few weeks. (2 grand) I'm planning on using all that money to pay off some of my debts, but I'm not sure which is a smarter thing to do. Should I split that money to pay of some of these debts? Or should I pay 1 whole credit card off?
Here are my debts: Citi (finance charge 18.24%) balance: $2,389; Wamu CC (finance charge: 15%) balance: $714;
Houshold bank (finance charge: 12.24%) balance: $246;
Chase (finance charge 24.24%) balance: $611;
and Capital One (finance charge 23.3%) balance: $414.
Thanks for your opinion

2007-02-24 06:06:53 · 15 answers · asked by sweetsally906 1

the visa credit card is in my name, but the credit card number is the same as is my fathers credit card, when the statement comes in every month it is only in my fathers name. whether he pays it on time or not is it effecting my credit score or does it have no bearing on my credit history?

2007-02-24 05:49:52 · 9 answers · asked by tommartella1 1

I've had this account for about two years, and I haven't used it in a long time, and I'm thinking of closing it but I don't know how it would affect my credit report. This is a secure credit card, with only a $300 limit. I have two other credit cards that I use a lot more often and I've been very responsible about paying bills on time.

2007-02-24 05:49:01 · 5 answers · asked by jenahfah 3

This person either used to have the same number as me or is giving out my number as her own. We get calls or messages for her every day and this morning they woke me up.
We tell them they have the wrong number, but they keep calling. How do I prove to them that they have the wrong number, and do I have legal recourse if the calls won't stop?

2007-02-24 05:47:38 · 16 answers · asked by Rosasharn 3

My gas purchase was denied. The card was expired. It is still February.

2007-02-24 05:15:55 · 3 answers · asked by Barbara T 1

2007-02-24 05:15:17 · 1 answers · asked by idak13 4

im in a mess due to been off work sick n havnt got enough money to pay bills

2007-02-24 05:09:16 · 9 answers · asked by Anonymous

2007-02-24 04:46:52 · 6 answers · asked by BOBINC 1

i dont want to keep the account and credit card i have now.but i dont want to close it. if i keep it untill it expires and they send me a new one, if i dont activate it i wont have an account with them anymore right? or would i have to tell them i dont want to have a nother account when my card expires?

2007-02-24 04:37:21 · 5 answers · asked by Anonymous

Hello. I'm 16 years old and I was wondering if I would be able to obtain a credit anywhere. If you know any company I can get a credit card from, please tell me.

Preferably: no extra fees.

And I have a question: If I was to build up credit on for example "Visa"...And Later on I get a master card, would my credit from Visa be transfered to the master card?

Thanks.

2007-02-24 04:15:39 · 12 answers · asked by Tyler C 2

I have a bill that is $724.00 in collections. They told me that they can give me a settlement deal of $543.00. If I take the settlement I will only get half of the points back. I really dont know what that means so Im not sure what to do. I want to buy a house this summer. Is the $180.00 that I would save worth half of the points?

2007-02-24 04:12:50 · 8 answers · asked by formula11e2000 2

transunion corp, sent a bad credit report to a car lot where i was trying to get a car ,my name is ella l fyffe all i want to know is why?

2007-02-24 03:16:35 · 5 answers · asked by reborn_angel2003 1

I want to start building up my credit, I'm 21 and I have none. I was thinking of getting a Kohl's department store charge. They have great deals on clearance clothes there, and with the card it's usually an additional 10% off. Or would it be better for me to get a card through my bank or someone like Capital One? Any other suggestions on building my credit I would really appreciate. Thanks!

2007-02-24 02:49:38 · 14 answers · asked by Sweet K 1

I just went to www.freecreditreport.com and I got to the point that I could view my credit report.. but then it said I could not because there is a freeze on my identity?? What does that mean? How can I get this resolved.. or figure out what is going on? What are some reasons this could be happening?

2007-02-24 02:39:10 · 6 answers · asked by Anonymous

I am currently renting and the lease is up in september. I had a period where I did not work last year because I was being treated for brease cancer, so I did not receive a paycheck. Also, I was buying a house in 2000, but FHA is currently investgating to charge the contractor with fraud, the house is condemned. I filed bankruptcy, but the case was dismissed because of the case, but it is on my credit report. I also had my car taken because of no income last year. Help me please.

2007-02-24 02:26:50 · 6 answers · asked by Denise B 1

2007-02-24 00:45:37 · 11 answers · asked by Ismir B 2

2007-02-24 00:16:21 · 4 answers · asked by Clint P 1

I did a credit score analyzer, if I pay off all my credit cards my credit score will decrease by 8 points, I am trying to improve my credit but paying on time over a 1 year period will raise it by 67 points, but i don't want credit card debt, what would you do?

2007-02-24 00:01:50 · 7 answers · asked by Anonymous

I have just paid off my final long standing unsecured debt (from my heady student days) and have started paying my bills off on-time (BT and credit cards) but obviously my credit history is less than desirable. Now that my debts are labelled satisified on my Equifax/Experian, how long before I can apply for substantial, normal interest credit again (necessary for a car and my work)? I earn well and have been in secure emplyment for 6 years.

2007-02-23 23:51:32 · 6 answers · asked by Anonymous

how does bad credit people build up credit? i cant even apply any credit card.so how? please let me know

2007-02-23 22:07:04 · 16 answers · asked by Anonymous

Hi all, I'm in a Vicious circle.

I was paying an old Poll Tax Bill at £80 a month, been doing this for about a year, However, last November I did not pay it, I had a lot of bills that month which consequently meant that my account was empty before the standing order was fufilled.
Half way through December I got a letter from the council stating that a Detatchment of Earning was going to be taken from my wages.
I accepted the fact that this money was going to come out of my account in Jan pay packet.
However come Jan, they took out £450. that left me totally broke, I only had enough left to pay my rent and a few other things.
My loan was not paid nor was my credit card because I had nothing left.
This month I have found out that the bank paid my loan anyway but because of that and £100 worth of charges has left me £320 overdrawn.
Another DOE come out again, this time £244(which is the last one)
But now I still have only enough to pay my rent.
So I'm in a vicious circle.

2007-02-23 20:28:29 · 9 answers · asked by Anonymous

I want to earn a online, is someone know a website or any other option for Earning Online (Specially in India). I don't need a fraud or scam websites. Thanks in Advance.

2007-02-23 19:05:33 · 4 answers · asked by smart devil 1

I had a problem where I had to pay a bill for my Aunt unexpectedly while she was on vacation. Long story short, I was house-sitting for her, problems came up with her pets, and I ended up paying $315.
It didn’t bother me that I had to pay $315 since I knew she can pay me back. What bothered me was that when I paid the bill the Checked bounced. The problem was that I did have a sufficient amount to pay off the bill. What had happened was when I added money to my account it cleared the day before the check got cleared. And for some reason, that caused a problem.
I called customer service and they told me something about how the payments got crossed or something, well she said it’s not my fault and she even refunded the fee that I was charged.
So far the bill that I paid went through, but now I am concerned about my Credit score. Does this affect me in any way?
Thanks for the support!

2007-02-23 19:05:07 · 5 answers · asked by xashleyleyx 4

2007-02-23 18:04:32 · 3 answers · asked by Racin Girl 3

Is is the Amex Centurion ( Blac American Express ) or the Visa Infinite ( Blac Visa ) or an other one ????
By the way they are both by invitation only .....

2007-02-23 16:11:04 · 8 answers · asked by edouard 2

I cannot do debt consolidation. I would rather not declare bankruptcy. A dishonest ex-husband dumped his debts on me when he shocked me by divorcing me two years ago after 14 years of marriage. This was in TEXAS.

2007-02-23 16:00:18 · 7 answers · asked by Tracy B 1

Does it mean you have to have a 0 balance?

2007-02-23 15:54:12 · 6 answers · asked by mjfly 2