Credit - February 2007

2007-02-27 12:38:14 · 4 answers · asked by paula b 1

I recently paid off all off my credit cards, and one of them just assessed me a fee of $99.00 ... What!!! I have never been charged a fee before, but this card has never been at zero balance before. I have not called them yet and I am looking for good advice on how to get them to drop the fee when I call. I have never had this happen with any of my cards before, and I am not sure what this fee is for. So what is the best way to handle it from personal experience or knowledge?

2007-02-27 12:09:40 · 4 answers · asked by Jungleboy 3

I cashed a check from someone who i think is a scammer from craiglist. It was for a car, but i did not send them the car. I am afraid they can drain all the money out of my bank because i deposited the check in my bank account. What should i do now?

2007-02-27 11:44:52 · 7 answers · asked by Lorrane 2

accumulating interest

2007-02-27 11:29:59 · 2 answers · asked by Anonymous

My husband has had a serious stroke. Shall I sell his pickup. Payments are $500 plus. He may not live and probably will not drive again if he does. His buddy thinks I should wait. If he dies I will have to come up with burial expenses ($1600 for cremation) and I will have to return his last SS check. We barely make our payments now. What to do?

2007-02-27 11:22:24 · 21 answers · asked by Sunkist3599 3

I did not sign the loan and it was in her name. She did tell them my income but I never signed anything. Can they make me pay this bill? How did they put it on my credit report in the first place. She never gave them my social security number. We live in NY and as far as I know it is not a community property state. Help!!!!!!!

2007-02-27 11:20:48 · 5 answers · asked by Tina 1

2007-02-27 11:12:22 · 3 answers · asked by helpless_romantic74 2

2007-02-27 10:59:53 · 7 answers · asked by Anonymous

Here's the background info:

Came to the US in mid-2001, opened my first credit account shortly thereafter.

Everything was going great, making ontime payments, keeping my balance low, until mid-2004 when I hit a bump on the road, which resulted in several late payments on several accounts, a couple as late as 60, 90 days.

Picked myself up a bit, but have been only able to make minimum payments. Cards are maxed out, which is the reason for my score of 580, I guess.

Have about 4K in credit card debt, which I am planning to pay down completely within the next 3 months.

How much and how fast can I expect my score to increase? When will it reach a respectable level assuming everything goes well from now on?

Thanks in advance.

2007-02-27 10:57:51 · 3 answers · asked by Anonymous

I want to order something that's not legal to buy in my state and have it shipped to a friend in another state. If I pay by credit card can the seller deny the sale because of where my bank is located?

2007-02-27 10:55:42 · 1 answers · asked by khayes1995 1

i have some credit card debt.. i have great credit and dont want to ruin it but it seems that i will be paying till i am 90... i dont use them at all. but the balances i do have are taking forever to pay off.. can anyone help?

2007-02-27 10:42:04 · 16 answers · asked by notaclue 2

ok, hello again.. so i tried getting my free credit report but..this is the thing i had gotten one from all 3 agency and they only allow u to do it once a year..so i'm not entittle to to another free credit report..does any1 know of another site that will give u a free credit reort totally free..?

2007-02-27 10:32:30 · 5 answers · asked by newlove 1

I just got my first credit card, and my minimum payment is $15, should I pay that or do likde $30? What builds credit quicker?

2007-02-27 10:29:01 · 5 answers · asked by Anonymous

I have always had EXCELLENT credit. In fact, lately, I have been paying down my debt in full speed. I will easily be debt free in a few months. I have not made any credit inquiries lately, and have never missed a payment in my life. I keep track of my FICO score every month, so was very surpised at the sudden drop. I've checked my credit report in the last few months, but did not notice any erroneous information. Anyway, I am going to be shopping for a mortgage loan soon, so this is really bad timing. Any other suggestions as to why the drop would have been so extreme? I manage my money well, and this score just does not make sense to me at all. I went from 757 to 712 in a month! I can't figure it out.. I still have revolving credit, but have only been using one card. I have $0 balances on the rest. Why am I getting penalized so heavily?

2007-02-27 10:12:44 · 4 answers · asked by catchernkeeper 2

Just curious on what kind of number is a good credit rating?

2007-02-27 10:11:51 · 6 answers · asked by CC 1

I need to improve my credit so I need a credit card...but have no credit, just a car note.

2007-02-27 09:54:13 · 14 answers · asked by oohthatGRL 1

about 4 years ago when I was with an ex boyfriend, (he had bad credit, i had good credit) I co signed for him to get some rims and tires on his car, also I was the first on an apartment that he signed a contract with. Well, once our relationship started to fall apart he moved out of the apartment before the contract was up and didn't pay the rest of the contract and stoped paying on his rims and tires... so now that I am married my husband and I are trying to buy a house but those two things are stopping me and I don't have the money just to pay for those... and I feel like I shouldn't have to. Is there a way to try to get those removed off of my credit and help bump up my credit score?

2007-02-27 09:43:57 · 8 answers · asked by Mommy2Two!! 4

If a loan company reposses a car what am I liable for? Is it better to just let them repo it then to stay three months behind on payments ? I am in a situation where I co-signed for someone a loan that has hid the car and wont give it to me and is continuly behind on payments and I am not wanting to pay out of my pocket.

2007-02-27 09:37:46 · 8 answers · asked by STEVE W 1

i Beenlookin on google for a free credit report.. well i want one that you DONT have to pay and DONT have to enter your credit card.. thanks if anyone knows

2007-02-27 09:30:46 · 5 answers · asked by Mandy 2

im seeing this all over the internet and on tv and lots on yahoo answers. i mean i have some cards but dont overuse at all..and i have evrythign trasfered on one card so i can have one payment a month and also pay more than minimum payment. is it because decide to spend thier money on stuff they dont need? dont people have enough money to pay the minimum balance on time? it sounds ridicoulous to me.

2007-02-27 09:27:32 · 6 answers · asked by justsomeone 1

i have bad credit from my marriage and i've paid some big stuff up but i need a new car because mine is about to go out (its 17 years old) and so i need my credit to go up so i can get a newer car

2007-02-27 09:06:27 · 8 answers · asked by ibitemytounge 2

with legal action where do i stand. I had a violent partner who ran up alot of debt i do not know if he used my credit card. The debt is from 1996 like i said i knew nothing about this until i received a final threatening notice. Can someone please tell me what i can do the debt is for £1,672.37. I phoned the debt recovery service who basically called me a liar only interested in getting the money the debt was sold to Thames credit ltd please help.

2007-02-27 08:55:11 · 18 answers · asked by Anonymous

Now that i have my credit report how do I go about contacting old accounts and getting them resloved or paid off.

Any Suggestions would be helpfull

2007-02-27 08:50:09 · 5 answers · asked by mloinc 4

For example:
the number of defaults
the delinquency rate
any report that has specifics about the defaulters would be most helpful. etc.

THANK YOU SO MUCH FOR YOUR HELP!!!

2007-02-27 08:04:39 · 1 answers · asked by M P 1

My wife and I will be applying for a home loan soon and between 6 total scores, we have 4 which are above 680 and 2 that are hovering just under 600. Will the lenders take the middle score, an average, or simply select a random score?

2007-02-27 07:56:24 · 9 answers · asked by TerpsFanguy 2

2007-02-27 07:35:28 · 25 answers · asked by Marilyn G 1

2007-02-27 07:18:32 · 7 answers · asked by donald s 1

I have 3 years of payments left on my truck, the interest is 3.9% with low monthly payments. I can easily afford to pay it off, but is it really worth it? What are the negative aspects of paying it off this early? This will not affect my credit because the vehicle is not under my name.

2007-02-27 07:11:31 · 18 answers · asked by Anonymous

I went to the hospital last year for dehydration and had no health insurance, so of course I have to pay. Well I have no job and no health insurance. I've told the bill collector that I want to make payments, but can't pay but maybe $20 a month. They said the least they would take was $50, but then even after that, I'd have to start paying $100 a month. I've thought about just sending them 10 or 20 dollars, but I'm afraid they won't take it and will sue. What do I do? The bill isn't but 1300 and I want to pay it, I just can't pay in full. My husband and I are trying to just get by as it is.

2007-02-27 07:11:11 · 8 answers · asked by connie c 1

2007-02-27 07:02:50 · 3 answers · asked by Anonymous