Credit - February 2007

I have checked my credit report and it has no record of any aplications for credit and ony one item of bad credit...unpaid phone bill wich is now paid off.

Aparantly this is because I dont reach the cut off point on credit scoring.

Any idea's on what i can do to fix this?

2007-02-20 02:06:10 · 10 answers · asked by MARIA 2

How can bankrupcy give you a fresh start in credit? You hear all these tales that failing will give you a fresh start, is that true? And how?

2007-02-20 01:44:13 · 3 answers · asked by citygirl22_1 3

I do not have a great excuse other than I was laid off when something was reported on my credit. Have you ever been successful at getting something removed from your report that wasn't there "in error?" I do not know if it is even worth trying.

2007-02-20 01:26:50 · 4 answers · asked by sexy law chick 5

I need an empty credit card please... (Visa, American Express etc.)

2007-02-20 00:41:41 · 5 answers · asked by Anonymous

I have $7000 in debt right now with 3 creditors only. One is a loan, a credit card and furniture. Can anyone help me with a company that might could get me a lower monthly payment between the 3 of them and a lower interest rate. My credit score is in Good standings. If I shouldn't worry about it please also tell me that to. Help Please!!!!!

2007-02-20 00:34:38 · 8 answers · asked by Cutie Pie 2

This is Fitness first Gym, they are saying to me the copy they have has a signature on it and the copy I have does not! Ive checked the application numbers and they match! They are trying to swindle 300 off me after i cancelled my membership!

2007-02-20 00:26:50 · 8 answers · asked by zara 2

have youve been scammed by canadian lenders association
its dave and tina again we were scammed by this company
we called phone busters better businesss bureau the attorney general office (google for the #'s and info)
this has worked people !!!!! they have tracked these guys down
if any one who has been scammed by these people call the above mentioned agency's the more info the govn't gets on these guys the better case they can build
you can also contact us at westendhottiez@yahoo.com
or parentsofdavid@hotmail.com
we have a paralegal and lawyer working on this
dont give up on these guys they need to be caught
we need to shut down the web site and stop others fr being scammed
it can be done!!!!!!!!

2007-02-20 00:00:55 · 1 answers · asked by tina g 1

I have been declined for a credit card although I have a good credit history - I recently bought a laptop on hire purchase and I have a contract mobile phone - why would this be?

2007-02-19 23:57:39 · 13 answers · asked by jennymac 2

2007-02-19 23:39:50 · 9 answers · asked by daviepostman 2

2007-02-19 23:03:55 · 3 answers · asked by Anonymous

2007-02-19 22:29:02 · 4 answers · asked by xa 1

What are the odds of having a negative item removed from your credit report that's been unpaid every month up to a year? Do you think it's possible? If so, how would you do it???

2007-02-19 22:18:08 · 2 answers · asked by babynas42478 1

2007-02-19 21:44:26 · 5 answers · asked by Anonymous

where has everyones self control gone...if you cant afford it, wait and save up!

2007-02-19 21:03:13 · 15 answers · asked by ginger 6

i am looking for an opinion of the welcome finance group. is it a scam or legitimate.

2007-02-19 19:19:40 · 10 answers · asked by Anonymous

2007-02-19 19:18:35 · 2 answers · asked by super_ez1 2

Well I got approved for a $10,000 credit limit. One is a visa($5,000) and the other is a master($5,000). I also get a savings account with new millennium bank. The credit status report said: none required, Account Acceptance says: Gauranteed, and the credit card type is: fully secured. acceptance deadline is 03/05/07.
I have to send in $37.50 to get both cards, or just $29.00 to get one. Now my question is..... Am I being scammed or is this how you do the whole credit thing because I want at least 1 card! I dont want to hear people tell me to never get a credit card BC that is not what I'm asking, I will pay my bill every month, and I dont want to hear life stories about you credit debt problem BC IM NOT YOU! I just simply want to know: is this (besides applying) the first step to getting my card.

2007-02-19 18:50:24 · 6 answers · asked by Anonymous

If someone steals my credit card and uses it, the bank reimburses me. But surely visa or whoever doesn't eat the cost. Does the merchant that sold the merchandise end up having to eat it, since they didn't check to see if the card was actually the user?

2007-02-19 18:41:37 · 3 answers · asked by Skinhead Charlie 2

I'm trying to fix bad credit so I applied for a credit card on line and when the bill for a $59.00 annual service fee arrived before the card, I decided that I didn't want it. While I was going through all the pages of the on-line application there was one page that stated that I had thirty days to cancel, but the paperwork I got in the mail says nothing about this and to access this page on-line I would have to go through the process of applying for another card (not happening). Also, the paperwork that came with the card says that I have to call a phone number to activate the card before it can be used. QUESTION: Do I need to call or e-mail these people and tell them I don't want the card anymore (it hasen't been 30 days yet), or, if I just don't activate the card does that mean the account has not been verified and so then it becomes null and void?

2007-02-19 17:39:55 · 4 answers · asked by teksonn 1

my credit card has interest rate of 20%; i will be in so much debt if i dont pay back everything, however i dont have enough money. is there a way to pay back most of it and pay the rest next month without paying interest?

2007-02-19 17:37:43 · 8 answers · asked by lumi 4

I do not have a great excuse other than I was laid off when something was reported on my credit. Have you ever been successful at getting something removed from your report that wasn't there "in error?" I do not know if it is even worth trying.

2007-02-19 17:31:54 · 4 answers · asked by sexy law chick 5

2007-02-19 17:09:26 · 3 answers · asked by sctlndlady 1

2007-02-19 16:40:19 · 8 answers · asked by Anonymous

I'd had "credit" for 13 months and have three accounts open, one fully paid off as of a couple of weeks ago and the other two have higher balances but I've never missed a payment. How am i doing so far?

2007-02-19 16:31:51 · 8 answers · asked by Isabel G 2

The worst was only $4,000 for me, but Im sure some people have high amounts. And what did you buy?!

2007-02-19 16:31:33 · 4 answers · asked by ? 3

Or would it be better to pay off lets say 90% to increase your credit score?

2007-02-19 16:30:39 · 9 answers · asked by montipellier 1

i have just got netbank but find it hard to do a money transfer eg ebay easy answers please step by step

2007-02-19 16:07:24 · 1 answers · asked by Anonymous

A lawyer has been calling, I know it is about a credit card debt. Can I still try to settle for a less amount with the lawyer, or is it too late?

2007-02-19 15:51:28 · 8 answers · asked by Kate R 1

I am thinking about cleaning up my credit myself because I have heard that this can really happen . I do not want to pay hundreds to thousands of dollars just for someone else to do this. I saw a do-it- yourself credit repair kit at office depot for like $30.00 and I was hoping to hear mature answers/opinions from people who may have had credit issues and to just see who was able to repair their credit on their own successful without paying big money to these scam artists making big promises. Thanks in advance! ;)

2007-02-19 15:38:02 · 6 answers · asked by Alexis 1

My dad bought me a Jacket last week from Wal-Mart store by ( not sure Cedit/Dept Card), and i found it too big, I can't wear it and now my dad is in another country for a business. If i return it to the store will they give me cash or they will return the money to my dad's card?
Plz help Thank you!

2007-02-19 15:35:59 · 14 answers · asked by US Girl 2