Credit - February 2007

so if one applies for a card...and lies on their application and get approved...how do the cc know? what if u dotn work but u just tell them u do? and u lie about ivome and ect..?

2007-02-18 16:26:43 · 10 answers · asked by nycgreekguy004 1

Just wondering cuz I was watching Extrem Makeover: Home and they meantioned something about that.

2007-02-18 16:24:10 · 3 answers · asked by Girly♥ 7

I recently went from a 6 figure income 2 making $13 an hour and filing for BK. I can no longer make the agreed upon monthly payments of $420 a month to the trustee and the BK laws have changed since I filed. My attorney wants $800 to see If I can convert. What happens If i just dont pay the credit card companies? My credit is going to suck forever anyways right?

2007-02-18 16:22:32 · 4 answers · asked by mstone449 1

how do i fix this i have renal failure , and would go to the ER
for treatment of health problems prior to having insurance and just wouldnt pay the bill . now i am on a fixed income because of my kidneys
and i want to clear this debt ,
i know have insurance . and the whole debt is just in medical bills
i have never had a credit card , loan or even anyother
type of unpaid bill but my credit is wrecked
so how do i fix it

2007-02-18 16:19:51 · 4 answers · asked by vainme20 1

I have approx. 10K in credit card debt, I received a letter from a credit card company offering 11K with those Credit Card Checks, the APR is 4.5 % till the balance is paid off. I already have 1800 on that credit card offering the checks. The two loans are a 5000 personal loan from a credit union at 14.25 Interest and a credit card from the same credit union with 3K balance with 11.9 interest. So would it be wise to use the checks to pay off the two credit union loans? The 4.5% interest rate till the balance is paid off looks tempting but not sure what the catch is. I can pay 600 a month payments, so trying to get the loan paid off as quickly as possible. Thanks any help will be appreciated.

2007-02-18 16:06:34 · 4 answers · asked by jumpouter 2

Ok.. i have always got my own loans from SallieMae because i've never had a co-signer and my credit is good. Well i applied for my last loan for my last semester of school and i was denied unless i had a co signer. I have no clue why so i called and they said to check my credit report. My report was all positive except 4 medical bills that have been there the whole time. If i were to pay these bills of do you think it was help my score so i can get my last loan? I'm just worried i won't be able to graduate. The last loan i got was in Jan so maybe time has something to do with it and i should wait to apply again. How long will it take for the medical bills to be removed if i pay them? I'm really worried.

2007-02-18 16:00:05 · 2 answers · asked by tiffaknee01 3

2007-02-18 15:49:28 · 7 answers · asked by Pinky07 1

Hello, I have a Sears Charge with a $524.36 balance that is due Feb. 21st. I am only going to be able to pay $400 of that balance before Feb. 21st, on which a $10 minimum payment is due. In all likelihood, I will be paying the remaining $124.36 on Feb. 24th. The APR on my card is a horrifying 25.40%, which comes to a .0696% daily periodic rate. There is also a $1.00 minimum finance charge.

I've never had to finance a payment in this way before, (mostly because of the ridiculous APR's), so tell me if I'm calculating this correctly:

$124.36 balance for Feb 21, Feb 22, Feb 23, paid in full on Feb 24th.

$124.36 x .0696% = $.09 x 4 days, = $.36 + $1.00 = $1.36

Is that calculated correctly? or would it be:

$124.36 x .2784% = $.35 + $1.00 = $1.35?

I know it's only a penny difference but I'm not sure exactly how they calculate those balances. Any help would be greatly appreciated! Thank you!

2007-02-18 15:48:37 · 2 answers · asked by myesparta 2

2007-02-18 14:20:17 · 5 answers · asked by Heart 1

2007-02-18 13:50:26 · 13 answers · asked by B 2

For example.. If i buy something for $25. When I recieve my bill at the end of the month, do I only have to pay the $25? OR is the interest added on already everytime i use it? OR do you get the chance to pay off the $25, THEN if you don't pay it off the interest is then added on. I'm very confused by it.

2007-02-18 13:06:25 · 4 answers · asked by kryskrys123 1

What would have the most negative effect on a credit rating: 3 unresolved credit card charge-offs or a resolved Chapter 7 bankruptcy?

2007-02-18 13:00:17 · 3 answers · asked by ZPE 2

for someone who is young with no credit score but wants to start building their credit, what is a good way to start aside from a card with a cash deposit on it...? i thought these credit card companies loved giving credit cards to college students but so far i've been denied from american express and two dept. stores......i just want ot know if theres another option aside from putting a deposit down on one of those guarunteed cards.....

2007-02-18 12:18:54 · 3 answers · asked by shifty101easy 1

I am 26,000 in credit card debt. My life turned around completely last year and I lost many things in my life, family, job, etc. I am not making enough on my job to pay the basics and have been using up all may savings. Now I have no savings left and am short 600 month just for basics and providing for my daughter although she doesn't live with me. She lives with my mom who is living on ss. I need to file chapter 7 but can't afford the fees and am not smart enough with paper work to do it myself (I'm terrible with directions). I can scrape together money for the useless credit counseling stuff (so they can figure out how I can pay 1800 bills on 700 income, lol) if I don't buy groceries for a couple weeks but I have no way of getting 500 dollars. My employer cuts hours every week and it's that way on all retail jobs. I can't just get a better job and even with that, i would only have the money I need for the basics. My small tax refund will only be 30 dollars.

2007-02-18 11:57:59 · 2 answers · asked by reallyfedup 5

I want to increase my credit limit but I'm afraid when I call to ask, they'll ask me if I still work at the same place or to provide a pay stub. I haven't worked in over a year, but have been using my savings to pay off my bills and always pay on time. If they find out I don't have a job will they deny me an increase, or worse...will they take away my credit card and contact the other card companies? What do you think?

2007-02-18 11:06:52 · 4 answers · asked by leaves 1

was paying direct debit but bank cancelled it one time when i had 4 payments left. they did not notify me so company charged me £20 late pay charge then £25 for telling me. made payments by giro slips they then sent me, my fault but often id be a day or 2 late each time £40 pound charge. then realised id been paying way too long £108.64 a month, they still billing me monthly. i repaid the intial loan by october 06 an realised i overpaid by £500 and they still wanting £300 in fines? asked for a full statement, which was so confusing no one can understand how it works girl on phone no help, this week charged again! as i need too know if they can legally do this as i have more than covered the repayments. any help please, going mad with it all now thanks

2007-02-18 10:59:05 · 7 answers · asked by meggy 2

I haven't been working for a year but have used my savings to pay off my bills. Just wanted to know if I was supposed to tell them I no longer have a job...

2007-02-18 10:57:25 · 7 answers · asked by leaves 1

Here's my situation: I'm a student and so my credit limit is only $2,500. I want to register for a class next term, but the only way you can do that at my school is if you pay the tuition at the time you register online. I need to register for the class right away because the class only admits 10 students and I need it to graduate. Anyway, the tuition is going to be about $2600. I was wondering if it would hurt my credit score if I use my credit card to charge this amount (and go over the limit by about $100-$200), even if I pay it off ENTIRELY the very next day.
I have the cash to pay for it, so there is no question of whether or not I will pay off my balance, it's just you need to use a credit card to register for the class online.
Don't suggest I pay the tuition in person or by mail, because by the time I do that, the class will already be Full. My only option is to pay it online with a credit card.

2007-02-18 10:06:14 · 7 answers · asked by Brianne 1

2007-02-18 09:54:47 · 5 answers · asked by shabirgani786 1

There was a depoist fee to pay but I had not done so cause of the last minute sighn up. I never payed and now they are going to send me to claims. I did not sign anything. What can I do??

2007-02-18 09:50:20 · 1 answers · asked by red 1

2007-02-18 09:13:08 · 5 answers · asked by j 1

2007-02-18 09:05:47 · 2 answers · asked by shadshad1964 1

I heard it was 648 but that seems really low to me. I know my hubby's is 629 and we just started to build credit. He never had bad credit just no credit which is just as bad as having bad credit. We have no credit cards but have built it up in the last 6 months with financing our furniture. It has gone from a 580 to a 629 in that amount of time. Does ayone know the average score and how much longer will it take to get it to around 700?

2007-02-18 08:45:27 · 4 answers · asked by BELLABELLA 2

I use only my debit card...i rarely use cash or write checks.

2007-02-18 08:16:34 · 11 answers · asked by sugar_n_spice 5

i am willing to talk to a bank associate about my overdraft fees, i only went over 2 dollars and they charged me 54.00 which is unfair, because i they just sent me a letter when the overdraft happend a while ago..since today is sunday, the bank is not opened, but im not sure if the bank if opened tomorrow since it is presidents day, will the bank continue to charge me money and will they let me off the hook ? i had this bank account since november, and i think this is really unfair because i can't deposit the money in tomorrow, and yet they continue to charge me money

2007-02-18 07:24:13 · 9 answers · asked by CRUNCHATIZEMEEE! 3

https://www.getmastercardnow.com/bap/nav/finder.jsp

I got a letter and it stated that I'm invited to get color wamu credit card. Is it a scam?

2007-02-18 07:13:52 · 5 answers · asked by shady 1

Fifty dollar question. Why did a busy corporate executive take time out of his schedule to send this card. We have been intimate twice, visited his home once in five years. Why bother?

2007-02-18 06:31:56 · 4 answers · asked by Sports Maven 1

I Owe American Express 7,000 pounds if i move abroad do you reacon they be able to track me down and inforce the debt abroad using the legel system of that country say spain for example? Surly if my friends/family do not inform the card issuler or debt collector whihc country i move to it will not be so easy for them to track me down. even if they knock at my door they will say hes moved abroad but not mention the country itself.

2007-02-18 05:27:39 · 2 answers · asked by markt1987 1

what site is the best to get a free credit report and score? there are so manny i'm not sure what site to go with i'm thinking of going with www.creditreport.com what site do you think is the best?

2007-02-18 04:59:15 · 5 answers · asked by alilswt 3

I live in the uk and i have very bad credit

2007-02-18 04:22:37 · 10 answers · asked by BEN C 1