Credit - February 2007

2007-02-14 12:05:39 · 4 answers · asked by lisa a 1

The place I've banked at for almost six years, has offered me a credit card which I accepted over the phone, and I should receive in a few weeks. If I change my mind and decide not to activate the card, and call in to canel it, will that count against me next year if I apply for a loan through the bank(for school or realestate)? Or does refusal of a previous offer not matter? The bank has authorized access to review my credit report either way. Thanks

2007-02-14 11:53:05 · 5 answers · asked by Anonymous

When u get ur credit card bill will the website show up or what u ordered??

2007-02-14 11:46:31 · 2 answers · asked by Tigers Gal! 4

Can anyone tell me if JP Morgan Chase sells credit card debt to debt buyers after they (Chase) write off a credit card debt?

Thank you.

2007-02-14 11:44:11 · 5 answers · asked by worried 2

2007-02-14 11:32:26 · 9 answers · asked by somthin_genuine 1

I want to purchase a peice of property (A House in GA) that is dirt cheap, but my credit is so horrible I cannot even get a credit card. Are there any programs out there that I can apply for; with out my credit score being checked so often?

2007-02-14 11:30:26 · 15 answers · asked by busybodie 1

I've had the same credit card five years, and have never been late with payments. However, I'm planning to pay that card off and have it cosed in exchange for another with lower interest, no annual fee, and a higher balance.

If I appy for a loan next year for any reason, how will that look on my credit report? Is it better for me to keep my current card to show good payment history, or does it not matter?

Also, exactly how does Balance Transfer work? I've never used it before, but the new credit card will offer me that option, and I may use it to pay off my current card. Thanks.

2007-02-14 11:29:29 · 16 answers · asked by Anonymous

I had some medical bills from 4/10/01 that I didnt not pay in full. I was harassed for awhile by collections and then left alone. This debt was never reported on my credit record and has never showed up. Today on 2/14/2007 (6 years later) I receive a letter from a collections agency telling me to pay up or be reported to the credit agency. I am afraid to call because I heard making contact with them could cause the statutes of limitation to start up again. My question is, If I ignore them, can they really report this to the credit bureaus since the debt was from 6 years ago? Is this just a scare tactic at this point- keep in mind I havent heard from them in 5 years until now all of the sudden.

2007-02-14 11:27:45 · 3 answers · asked by Avery S 2

2007-02-14 11:27:31 · 8 answers · asked by Ivan Drago 1

2007-02-14 11:22:34 · 9 answers · asked by Ivan Drago 1

Im still reciving letters from the debt collection company robinson way and co ltd even after all this time surly the limations act now applys whats funny about it is they have been saying the same thing all these years in the letters that they will file a ccj , yet i check my creidt report and they never have the debts with NATWEST BANK and the collector is ROBINSON WAY AND CO LTD I HAVE NEVER CONTACTED WITH AT ALL TO AMIT THE DEBT

2007-02-14 11:20:53 · 5 answers · asked by mrkthomasson 1

Loss a car used a collateral?
Recently I had to take out a loan and to do so I used my car as collateral. My car was 8 years old but running ok. Well shortly after taking out the loan all sorts of problems requiring repairs happen and then to top it off recently someone ran into my parked car. I took it to the shop but just recently was told that the car is a "total loss". I was shocked because the damage didn't seem that bad but apparently it means the cost to repair exceeds the value of the car and they said my insurance company will likely try to settle with me.

so Question1 - what exactly does this mean that they will settle with me?

Question 2 - What are the ramifications of the fact that I am using this car as collateral.

I have no idea as all this was just hours ago told to me so any help or advice is appeciated.

2007-02-14 11:17:37 · 3 answers · asked by Anonymous

I need to improve my credit and i want to use one of those credit repair agencies I heard about. anyone have any advice on that? ive checked out a few and one that seems to be the best Ive found charges $99 to setup and $79 a month. anyone know anything about these? it is worth it? thanks-

2007-02-14 10:52:34 · 8 answers · asked by vinsthemann 1

Situation: I went to a college in NYC in 2002. I enrolled in September, left by October. I had gotten a loan from Bank of America for part of my tuition. When I left the college I cancelled the loan, therefore the school never got the money. However, the school wants the 14K even though I wasn't even there for a semester. When I dropped out the only thing I ever signed was a Withdrawl Form which has nothing regarding being responsible if I left, etc. Is there any way of putting the burden on the college to prove that I do have to pay and dispute this in my credit report, etc?

2007-02-14 10:38:28 · 6 answers · asked by Anonymous

2007-02-14 10:31:13 · 7 answers · asked by chucklesemt 1

I have had about 5 medical bills go to collection, whiched totaled around $800.00. I did not negiotiate with the agency to remove the marks from my credit when I paid off the accounts a year ago. I would like to buy a car this June or July, around $10,000 to $12,000 and take out a loan for roughly this amount. Will I be able to get some sort of decent interest rate under 10%? I have a credit card and cell phone in my name and I have ALWAYS paid these bills on time for the last 2 years since I have had both. Also if I cannot get a decent interest rate is there anything I can do in the next 4-6 months to help?

2007-02-14 10:28:26 · 5 answers · asked by luv2shop 2

My spouse owes a debt, and can't pay it and is not working. We live in Indiana. The debt was accrued while we were married, but I am not listed as a cosigner. They are threatening me stating they are going to garnish my wages. Can they do that?

2007-02-14 10:28:17 · 6 answers · asked by Nikki 2

i want to try and move out in 2 months or so

2007-02-14 10:26:18 · 5 answers · asked by pretty peach 1

I dont really trust the companies that say they'll get you out of debt by just making all bills in one payment !!

2007-02-14 10:05:39 · 4 answers · asked by pretty1joanna 2

Ok, I kinda have "not so good" credit, and I'm in the process of improving it. Now...my year's lease on my apartment is about up, and ...here's the question...

Should I stay here at my current apartment complex to show creditors that I didn't have a problem with this manager here??

OR

Should I move to a new place and get another credit reference under my belt??

I guess it mainly boils down to this...is it better to have one 2 year lease....or two 1 year leases? Blah! I've probably worded this all bad...sowwie!!!

2007-02-14 10:01:36 · 8 answers · asked by Blazzzy 2

I want to get a loan to pay off my debt but no one will approve me. What should I do????

2007-02-14 09:53:43 · 8 answers · asked by audie_pooh 1

they keep writing the creditors telling them that your iteams are not supposed to be there i think? but does that work?

2007-02-14 09:22:34 · 2 answers · asked by Anonymous

I am 16, can I get one at my local Rite Aid?
Without a drivers licence?
Can you use it at amazon.com?
The highest card you can purchase is $100.... I need it to be $200 for my iPod. How do I use the Greendot reload thing...... Do I have to wait so long before loading another hundred on it?

Please answer to what you know.

2007-02-14 09:09:23 · 5 answers · asked by Andrew90 2

2007-02-14 08:59:11 · 7 answers · asked by daysies2 1

2007-02-14 08:51:18 · 5 answers · asked by mark f 1

they reported that im over my limit on my card but i dont even have a card or account with them. i dont know what process to go through to correct this.

2007-02-14 08:41:21 · 9 answers · asked by max 1

i have recently been imformed that the tsb are gonna try and file for my bankruptcy,if they get it does that mean al my other debts will be non payable as i would be bankrupt

2007-02-14 08:40:56 · 11 answers · asked by CHRIS G 1

I have a small business in its second year of operation.

The good news: We're profitable now.

The bad: We were undercapitalized and made some mistakes in the beginning. We've racked up some $40,000 in debt, to a variety of suppliers and even $10K to the landlord. Everyone has been patient thus far, but time is running out.

We are profitable, but after payroll we only clear about $1000 - $2000 per month in profit.

My question is how do other businesses deal with problems like this? I'd love to consolidate these debts somehow, but my credit is largely shot due to the whole undercapitalization thing. What do I do?

My business is grossing $250,000 per year, I don't want it to go under.

2007-02-14 07:41:37 · 4 answers · asked by cailano 6

With the Better Business Bureau I had filed a complaint against Apple Canada Inc . The issue has now been resolved and I need to let the Better Business Bureau (BBB) know of this that, I no longer require their aid wih this matter. How can I do so? (There is no BBB contact #, nor e-mail)

2007-02-14 07:37:19 · 4 answers · asked by Anonymous

Do banks run your credit for free? Does it effect your credit everytime you have it ran? I just want to know what my credit score is without signing up for anything over the internet.

2007-02-14 07:34:55 · 4 answers · asked by kalamibe 2