Credit - February 2007

Had virus, malware, or something, then pop-up hapened, and took over computer. I paid someone to clean it up, but later got a bill from "chargemelater", and now a collection agency (CRB).

I don't need bad credit, but hate to pay for a scam. Any suggestions?

2007-02-12 15:30:28 · 4 answers · asked by roger 1

I had a group membership with Bally Total Fitness that was originally set for a 3 year contract. Around 4 or 5 months into the contract, one of the members moved over 50 miles from the nearest Bally Total Fitness, and the other member left to Lackland AFB for Boot Camp. Per the contract, this was reason enough to cancel the contract. I was told that, since at the time i wanted to be a member, the monthly fee would be reduced from $63.63/mo to 30 something. When I went to pay around month 5, they told me that just because the other two members exited the contract doesn't mean I get to pay a reduced priced! I disputed this and contacted the attorney general and BBB. After several months they canceled the contract (finally, JUSTICE!). I disputed the unpaid period that they were trying to overcharge me until they canceled the contract for me but Experian wouldn't correct it. What can I do now? Can I dispute again or sue?

2007-02-12 15:26:08 · 4 answers · asked by James K 1

2007-02-12 15:18:10 · 3 answers · asked by Elly M 3

2007-02-12 14:51:54 · 4 answers · asked by david p 1

college student trying to get good credit b4 im done with school

2007-02-12 14:10:56 · 4 answers · asked by eaglehas1 1

does anyone know the number of years for both these states? ive looked on websites and i keep getting different numbers for each. if you have a website that tells me that would be great too. thanks.

2007-02-12 14:00:03 · 3 answers · asked by smoovstella319 2

2007-02-12 13:57:37 · 6 answers · asked by jean00451 1

2007-02-12 13:44:45 · 3 answers · asked by Anonymous

2007-02-12 13:23:05 · 4 answers · asked by Anonymous

I have little debt on a credit card which is almost paid off (under $500). I am at the age of controlling my finances better, I am considering of switching my spending style to purchase items on my credit card then pay off my balance monthly.

The goal is to use the promotional earned credit to help purchase a car.

Is this realistic? I think I may credit at best $200 to $500 towards the car because $2500 of usage equals $25 towards the purchase of the car. I don't think I will end up running a balance on it at this point of my life.

It's the VW card for Volkswagen if that matters.

2007-02-12 12:51:41 · 3 answers · asked by atg28 5

I am in a situation where I have to overdraw my credit card, I have two a capital one plat card and a chase card. There both over the limit by like 30 dollars its a new billing cycle will i be able to go over on either one of them ?

2007-02-12 12:42:12 · 14 answers · asked by cheerupemokid875 2

hello everyone!
I just recived a notice in the mail from my cc company telling me there decreasing my credit limit from 7500 to 3300, reason recent deliquency. I called the company because i have never been late with anything, the gentleman at the card company was nice enough to re instate my limit and told me the deliquency was in result with a collections on my credit that just was put on 1/2007. I pulled my credit and there it was a 288 dollar collection from CBC for comcast cable. Over a year and a half ago i pd that bill to a collector credit protection assn. I have the canceled check. I am getting sick and tired to dealing with this. I pd the thing in full, this is affecting my score for the last year, now a new collector has it and put it on that is became late 1/2007. this bill was from 2003. I am not someone that gets out of paying bills, this just got overlooked as i moved. Is there anylegal repercusiton as this is apparently not getting taken care off.

2007-02-12 12:38:10 · 4 answers · asked by dan p 1

2007-02-12 12:36:05 · 7 answers · asked by sws 1

As i have never replayed to any letters and have made no contact either in telephone or by letter to the debt collectors working on behalf of natwest bank in the uk would that now mean because its now been 7 years that the statue of limations now kicks in and they are no longer able to inforce the debt using the legal system?

2007-02-12 12:28:25 · 4 answers · asked by m.ogilvy 1

I am a victim of 4 year long case of I.D theft. I was unable to have credit in my name during this time, as a result my credit score is very low I am 37, I do -not owe any bills. I have a low paying job no children & my car is paid for how can i raise my credit score

2007-02-12 11:59:39 · 4 answers · asked by 7money 1

A friend of mine won a $1000 gift card for goshopping.com and I want to know is it safe to put your credit card number in there and do you really get what you buy there. It looks to be so new I can't find any information on it. Please any help would be great.

2007-02-12 11:59:35 · 8 answers · asked by missy 3

I have received a post card telling me that I am a winner in one of there promotions. Have you any reports on this company? Do you have a rating on this company?

2007-02-12 11:58:46 · 3 answers · asked by benjamin m 1

the credit card company would not allow me to change my address because i was past due on my accounts. i just need to know how to find out if i have been sued and if so if the court filed default.

2007-02-12 11:14:56 · 5 answers · asked by nic 1

2007-02-12 10:54:58 · 5 answers · asked by dams0110 2

2007-02-12 10:49:23 · 5 answers · asked by logic 1

I just received a bill from a collection agency. I had no idea what they were talking about so I called---as I have excellent credit and do not want that ruined. The rude lady told me it was for a cell phone bill from 1998----I vaguely remember a dispute with a cell phone I had --but after months it was resolved--I have thrown all of my paperwork. I only keep records 7 years even for the IRS. I certainly didn't keep these records as I was very unhappy with the company and their record keeping. I have not heard from this company or received any bill or anything since I thought it was resolved. Can they send me to collections over 8 years later with no communication in between? The rude lady kept telling me that it would ruin my credit if I don't pay--about $500--but I know I don't owe it. However, after remembering the trouble I had with that company years ago---I know their records will show otherwise.
Please help, Sam

2007-02-12 10:38:18 · 2 answers · asked by sam 1

I had a Barclaycard 2 years ago, I ended up having problems with them when they changed my address without my permission - by the time I realised what was going on I was late in payments & with a DCA (bad me), did not help that I was the sole earner in a family of 3.

I had all my bills and a new card sent to the wrong address, an address I did not give them, but they refused to let me change my address because I could not pass security – their questions were based on my address & previous bills!! – So I just paid the whole lot off.

Now I have bad credit as a result, doing my best to get better credit (all my bills paid via DD on time – card, two mobiles, nothing else because this has left me in a place where I have little spare cash & I have had to move back with my abusive mother with little chance of escape with this over my head) but this is the major problem on my credit report.

Is there anything I can do to get rid of that bad spot?
How long does it stay with me for?

2007-02-12 10:15:11 · 7 answers · asked by Bella-bella 3

About this time last year I finally got a credit card. It's the only credit I've ever had. I've never gotten a lone, bought anything on credit, no student lones or anything. When I finally got a credit score it was a 5.97 or something like that. I've always paid my credit card on time. It's green straight across. But I have something on my credit report that I have no idea where it came from. I had my bank look into it and they couldn't even find the company that was on my report. I don't know what to do, or how to dispute it. It's ruinning me, and I just got credit.

2007-02-12 09:57:16 · 4 answers · asked by Anonymous

what's some credit card websites, that u can apply and they dont check your credit background, and gurantees approval and no fees to pay and even if u have bad credit u can still get it. what are some of the credit cards, and the websites to go to.

2007-02-12 09:42:24 · 4 answers · asked by punkchic1232000 1

2007-02-12 08:47:17 · 12 answers · asked by sws 1

2007-02-12 08:36:30 · 4 answers · asked by DUCKIE DODLES 1

2007-02-12 08:06:21 · 7 answers · asked by Clare M 1

I took out a loan for a totat of 5000$ at 5.99 % interest, missed one payment, and am now being charged 32.3%.

2007-02-12 07:56:19 · 7 answers · asked by Anonymous

My sister opened an account with my info, but using a different birthday. the account is now charged off on my credit report, I want it removed, but I obviously don't want to press charges against her. Can I do anything to remove that negative info?

2007-02-12 07:52:41 · 4 answers · asked by Anonymous

How do I start a bank account if I messed up on one already and no other bank will let me in?

2007-02-12 07:40:26 · 16 answers · asked by sammythesauce 1