Credit - February 2007

you are sent a statement when you owe money. If you have a credit you are never notified. I changed dentist then two years later went back, come to find out I had $125.00 credit. Why do they do this?

2007-02-13 08:56:29 · 3 answers · asked by madder than hell 1

I was told that since I made a big purchase..ie..my car and also co-signing for my daughter, my credit scores will go down..is this true??

2007-02-13 08:34:39 · 13 answers · asked by ktopping23 2

Is there a letter I can write?? OR something i can do? I have an account that has been closed over 2 years still showing on my credit report.............it doesnt have the greatest history either....... can u HELP PLEASE!!!!!!!!!!

2007-02-13 08:33:24 · 8 answers · asked by *S* 2

The Wall Street Journal reported today (2/13/07) that Bank of America has rolled out a program in Los Angeles county offering credit cards to those without social security numbers or credit histories. They hope to go national with the program this year.

In recent years, banks across the country have been offering checking accounts and even mortgages to undocumented immigrants, most of whom are Hispanic. Is this a good idea? What do you think will be the long-term effects?

2007-02-13 08:31:58 · 4 answers · asked by lizzgeorge 4

During my last year of highschool I moved in with my mom. All my mail went to her house. Then last summer, the year before I was to leave for college, i moved in with my grandma. So i had some mail fowarded there. Mainly credit card statements and college papers. About half way through the summer I moved back in with my dad, so some mail was going there too. Once I moved to college I had my credit card statements go there, and importmant mail go there also. However, I had to drop out of college at semester bc of financial problems. My mom moved in with her fiancee, so now I have mail scattered all over the place. We live in the middle of NO WHERE, and since were snowed in we cant go anywhere. I need to know if theres a website that i can change my address for free bc my credit card is now cancelled. Over the phone is okay too. The United States Postal Services website charges you a dollar which you must pay with a credit card. PLEASE HELP! thanks!

2007-02-13 08:16:46 · 5 answers · asked by Anonymous

What do you think about Bank of America givng credit cards to illigeal alians? What about taxes and no SSN?

2007-02-13 08:05:08 · 8 answers · asked by mom of twins 6

I am trying to raise my credit score quickly. Right now I am at 593-around 650 depending on agency. So, by paying off the 5 credit cards that I currently have(some with amounts ranging from 1,500-2,500), should that raise my credit score a great deal? If not, will a credit repair company help or are they just a scam?

2007-02-13 08:01:07 · 5 answers · asked by soonerfan0808 2

I just was approved for both an AMEX blue credit card and a Chase Freedom credit card. Can anyone give me strategies that work while dealing with the credit card companies. I always payoff my debt at the end of the month but will I still be able to collect my benefits while the credit card companies not making a profit off of me.

10pts for that person who answers my question well

2007-02-13 07:57:32 · 11 answers · asked by christiansareawesome 4

also, how to increase my credit score? i heard using my personal check would help, is that true??

2007-02-13 07:51:25 · 12 answers · asked by alex4travel 1

i payed off and closed a credit card account in december. i then received a statement in the mail stating i still owed money to the account and it was past due. i then called the company and got it all figured out, with them telling me they would fix what seemed to be their mistake since the card had been cut up and no new charges were made. i now have received another notice in the mail stating that i owe them $80.00 and again the payment is late. because my payment is late they have reported me to the credit agency as 30 days past due. how can i dispute this?

2007-02-13 07:50:30 · 2 answers · asked by Timothy a 1

My student loan defaulted and they are taking pmts from my wages. 15% per pay period, Which OK its a debt so I will pay it. I know that when it defaulted it killed my credit, so ...Will my credit get better after awhile, since all pmts will be made on time through wage garnishing? Will this problem eventually turn to be something good or will it always darken my credit until its paid off?

2007-02-13 07:45:03 · 2 answers · asked by RR77 2

2007-02-13 07:35:18 · 10 answers · asked by AMANDA M 1

2007-02-13 07:33:30 · 4 answers · asked by m.ogilvy 1

I have some capital 1 credit cards that are in collection and I am ready to negotiate a settlement. Are there ways to get the best percentage or do the collection agencies have a bottom line they will not pass?

2007-02-13 07:19:06 · 8 answers · asked by tws0000 1

I had to have my dad co-sign for my car loan a couple of years ago. I didn't have bad credit at the time, it was just that I didn't really have a credit history so they required a co-signer. I have never been late on a payment and often pay more then the minimum. Is it worthwhile to see if my bank will remove my Dad as the co-signer in the interest of improving my credit score?

2007-02-13 07:17:07 · 7 answers · asked by RcknRllr 4

I HAVE APPLIED FOR A MORTAGE BUT THEY HAVE KNOCKED ME BACK THREW A MOBILE PHONE BILL I NEVER PAID I HAVE PAID IT IN FULL HOW LONG WIL IT TAKE TO GET MY CREDIT BACK I HAVEN GOT ANY CCJ

2007-02-13 07:15:06 · 12 answers · asked by AMANDA M 1

t I payed it off will thet jip me if I pay with my debit card?

2007-02-13 07:06:41 · 4 answers · asked by unique 1

Does this mean that I don't have to pay it but it is still on my credit report. Are they obligated by law to tell me what they did with the account? and does this mean I don't have to pay now that the collection agency closed it?

2007-02-13 06:56:51 · 1 answers · asked by unique 1

2007-02-13 06:32:10 · 14 answers · asked by Anonymous

No payday loan sharks either.

2007-02-13 06:17:35 · 9 answers · asked by Anonymous

I still have a balance on it. I've learned the hard way that credit cards aren't very nice. I want to pay it off as soon as I can but would canceling them now before the balance is paid off be wise. Would my interest rate go up or down or would it not change once I cancel the card?

2007-02-13 06:08:19 · 9 answers · asked by Nido 1

i am looking to get a credit card but everytime i sign up for one i get denied because of some money that i owe to other credits cards and doctor bills and such

2007-02-13 05:55:29 · 6 answers · asked by GirlyWorld 1

2007-02-13 05:51:56 · 16 answers · asked by Anonymous

2007-02-13 05:24:01 · 4 answers · asked by mrs lopez 1

I am holding renowned banks credit card. they offer me another club offer which i never accepted. now they are trying to get the membership fees forcefully by showing out standings & late fees etc.

2007-02-13 05:07:18 · 3 answers · asked by Anonymous

my best friend is going through a rough time, owes a lot of money to credit cards, and can't seem to be make the payments on time, and struggles throughout the month with money. She wants to go bankrupt, like a personal bankrupt, and I wanted to ask if anyone has done this, and what all is involved. She lives in canada. She definitly wouldnt be able to get a loan or consolidate them, they would deny her cause she owes so much. She got layed off work, and in order to survive for almost a year had to rack up credit cards. She fought so hard to find work and is just getting back into work but can't really get these cards paid for. Shes only making minimum wage. Any advice on brankruptcy would help. Thanks

2007-02-13 04:48:47 · 4 answers · asked by Proud Mother 3

2007-02-13 04:37:20 · 4 answers · asked by gary m 1

a strange thing happened last week. i received a check delivered overnight thru ups. it was made out to me for $2000.00. i took it to the bank and they funds were not available. so i waited a few days and called the bank, they said the funds were available, so i went to cash it and they would not cash it because the account was changed or it may have been a counterfiet check? ever heard of a scam like this? and what could they get from it?

2007-02-13 04:16:54 · 10 answers · asked by christy o 1

2007-02-13 03:35:40 · 13 answers · asked by fireybird 1

I see so many different answers on here .."it's off your repot in 7 years" it's off your report in 10 years"..Collection companys can still sue you after 7 years.".No they can't" What is the real statue of limitation to sue 7 years ..2 year..oral contract..written contact? Who has the right answer?

2007-02-13 03:30:21 · 4 answers · asked by Anonymous