Credit - February 2007

2007-02-20 07:56:33 · 5 answers · asked by just me 1

2007-02-20 07:43:15 · 3 answers · asked by fiochi 1

Do I write all three credit beaures or do I contact the company and tell them to remove it off my credit report?

2007-02-20 07:08:44 · 5 answers · asked by tjohnson1 1

2007-02-20 06:55:15 · 5 answers · asked by just me 1

Does it affect my credit score if I close credit card accounts I havent' used for over a year. I don't use them any more so I called them and had them closed. I still have at least 10 other accounts I use regularly.

2007-02-20 06:30:47 · 10 answers · asked by Janet H 3

What is the real skinny on Credit Repair. Seems it costs quite alot. Is it honest and worth it. Can someone shed some light on this for me. Can't I do it myself and save the dollars and where do I get the info to do it myself?

2007-02-20 06:19:19 · 12 answers · asked by findtriny 2

You may be eligible to receive a benefit from a class-action settlement if you purchased and paid for a credit score or credit monitoring from ConsumerInfo.com or an Experian Entity between June 17, 1998 and December 27, 2006. A federal court has directed that this notice be sent to inform you of a proposed class-action settlement. Records show that you entered into an agreement over the Internet with ConsumerInfo.com or an Experian Entity to purchase any Credit Check or Credit Check Monitoring (which were formerly known as CreditCheck® Monitoring Service), Credit Manager (including Yahoo! Credit Manager), Triple Alert, or Triple Advantage credit-monitoring product, or you paid for a credit score sold on a website that also sold one of these credit-monitoring products, between June 17, 1998 and December 27, 2006. If so, you may be eligible to receive a benefit under the proposed settlement.

The website is www.browningsettlement.com I think this may be a scam.

2007-02-20 06:17:32 · 17 answers · asked by foshizz 2

Imagine this. your spouse gets access to your personal infosuch as ssn, dob etc.. They open up some charge cards in your name w/o your knowledge - get the statements- you never see them - charge on them - make payments to them. Even use cards you are aware of -you report charges not yours - payments not yours. you spot charges that are not yours - you spot payments not yours - you tell them there was an error - they send you a letter confirming - they change your credit card number to stop the fraud - but then the card comes to you at work, the person is once again aware of your new card number- Again the same thing happens - charges and payments not yours..... where might this be going? .
Well , imagine this type of identity scam - 4-5 years later and you are now being sued for any money that they CLAIM they paid on your cards!! Credit companies say it is rare - but it has happened. years later - how do you defend ?

2007-02-20 06:13:01 · 9 answers · asked by Anonymous

I cosigned for a car with a friend a couple of years ago. The only reason i did this was the dealer had told me that within a year my name would have been removed. So two years later she can't afford to make the payments on the car. I find out that she let the car go into repossession. Months later it shows up on my report saying we still owe about $13,000. She is now claiming to file for bankrupsy and she tells me when she does this is will remove the car from my report. I don't believe it I think I am going to become fully responsible for this. I think it's unfair because I did her a favor in the first place. Can someone please help me.

2007-02-20 06:02:02 · 9 answers · asked by MIA 3

I Oew Natwest Bank 500,000 pounds if i told my friends/family not to tell the collectors when they ring my address in spain or america surly its harder for them ?

2007-02-20 05:40:05 · 3 answers · asked by Tom B 1

2007-02-20 05:17:11 · 2 answers · asked by Anonymous

I know there are 3 reporting agencies, Experian, Trans Union and Equafax but which one gives the most accuarte score and report. I live in North Carolina, if that makes a differnce.

2007-02-20 05:16:28 · 6 answers · asked by byron28 1

Does any Indian bank give loan for pilgrimage..for a minimum of 30,000..Im a student..Earning Rs.3000 by tuitions..Can I think about some bank loan for atleast Rs.30,000?

2007-02-20 04:45:28 · 2 answers · asked by Anonymous

I have bad credit from when I was younger and I wanted to know what the best strategy was to attack it and begin to fix it head-on. I can pay them down now, but they are from years (more than 3 in some cases) and I really want to fix them the best way possible.

2007-02-20 04:22:46 · 9 answers · asked by thrwbckjay67 1

I went today and payed a medical collection to the original creditor. The orignal creditor signed a statement saying that they will take it out of collections and that I had no knowledge of any unpaid bills to the account because they sent all information regarding this account to an incorrect address. Will this collection be removed from my credit report entirely? or will it say paid in full? Is there anything elese I can do to get this removed?

2007-02-20 04:16:01 · 4 answers · asked by candychick 2

2007-02-20 04:10:32 · 10 answers · asked by Blake 1

also what is normal rate for a person with bad credit.
I was charged 33% on a new car ,is this normal,can I do anthing to lower the rate.

2007-02-20 04:07:30 · 6 answers · asked by callman51 1

What is the average time it takes for a persons score to increase if they are paying all their bills on time and paying down installment loans and credit cards. How much should it increase in say 7 months. We are trying to get ready to buy a house and hoping to get everything in order in the next few months. We filed bankruptcy (ch 7) 4 years ago. Right now my credit score is 614.

2007-02-20 03:45:13 · 12 answers · asked by Anonymous

I recently paid off an auto loan. It had quite a few times that it was 30 days or more late. I was not responsible for paying the loan as I gave the car to a friend and they were not paying on time. The car was still in my name and my husbands name. My question is now that it is paid off, how long will it be before I see an increase in my credit score. This was the only account that I had that has a negative paying history. It says closed and balance 0 on my credit report now.

Also what is the average time it takes for a persons score to increase if they are paying all their bills on time and paying down installment loans and credit cards. How much should it increase in say 7 months. We are trying to get ready to buy a house and hoping to get everything in order in the next few months. We filed bankruptcy (ch 7) 4 years ago.

2007-02-20 03:41:45 · 8 answers · asked by Anonymous

If I made a settlement with a collection agency and have it in writing that they can make a 1 time withdraw from my bank account for a certain amount, and no more and that will settle my debt in full....is it illegal for them to take more than that amount out of my account....or come back later and take more on a different day?

2007-02-20 03:38:47 · 7 answers · asked by Kate R 1

I would like to lower my debt to income ratio. I am paying off my debt as much as I can every month. My debt is around 7K. I have 500 open on a credit card and 700 on another. So if a mortgage broker was looking at my debt to income ratio would it be 5800 since I have the open lines of credit??

2007-02-20 03:38:37 · 6 answers · asked by CEESONE 4

it seems i have a bad credit rating, but im trying to get a loan / car finance because last week i had to have my car scrapped and i start a new job on thursday in the middle of nowhere! how do i find out what my credit score looks like, and if there is any chance of me getting rejected again and again? and does looking at quotes go on your credit rating? (e.g looking on money supermarket etc)

2007-02-20 03:35:16 · 3 answers · asked by jennifer b 1

I'd like to fix my not-so-great credit and improve my score. I'm looking into the possibility of working with a consolidator or credit improvement service; I've heard good things about companies such as Ameridebt or Lexington Law. Any recommendations?

2007-02-20 02:48:45 · 6 answers · asked by Nuala 3

2007-02-20 02:42:40 · 2 answers · asked by Alexander O 1

I have collection ($3000 rent 2004) and late payments on my file.

2007-02-20 02:40:48 · 6 answers · asked by E u g e 1

2007-02-20 02:35:42 · 4 answers · asked by lauryn m 1

what is the status of my target credit card account? #3854.

2007-02-20 02:31:12 · 2 answers · asked by minabea 1

i do not use credit cards or use a bank or checking account, nor do i ever want to start....but i would like to pay bills online or order stuff off of e-bay or pay for things over the telephone. Can i do these things with a pre-paid credit card??? how do the pre-paid credit cards work and how would i keep track of how much is on the card??? like if i wanted to order something that is 32.50 and i only have 25.00 on the card...how would that work?

2007-02-20 02:31:04 · 7 answers · asked by Mandy 2

This is for a creditor I owe.

2007-02-20 02:18:18 · 8 answers · asked by carolw_abweston 1

i have had the same phone # for over 2 years now and these collection agencies keep calling for the same person over and over again. it is different financial places. i am so tired of it. they take my name off but then another place calls. even the billing dept for the hospital!!!! i have no idea who this person is. i have never heard of her.

2007-02-20 02:07:38 · 7 answers · asked by MISSYT 2