Credit - February 2007

Or are they just scamming you?.... Can you really fix your credit?

2007-02-08 01:36:14 · 8 answers · asked by amiguita_malu 2

Both of our names are on the title.On the car registeration it reads xxx and xxx. The problem is we are not together and havent been for awhile, but i have been playing miss nice girl, and letting him keep the car as long as he was making payments. Well i would like a new car now, and the car we both sign for is making my debt to ratio huge. I have asked him to re-finance the car to take the car out of my name. The lien holder says he doesnt have enough credit to do so himself and he would need a co-signer, but he doesnt have one. I would like to take the car back and sell to thrid party to get truck out of my name. He refuses to sign the paperwork. Since he wants to keep the car and has been making payments. Also he doesnt have a license, so the insurance is also in my name only. What are my options?

2007-02-08 01:31:38 · 7 answers · asked by Nicole B 2

I have a credit card that will be 30 days past due next week?
will i be sued?
i have quite a few cards and a few late payments none 30 days or more though

2007-02-08 01:12:14 · 22 answers · asked by John L 1

My credit score is in the high 700s. How will closing the cards effect my score and for how long? The 2 cards I am going to keep are my two oldest cards.

2007-02-08 01:10:10 · 12 answers · asked by jeliahtj 1

Does anyone know of a site where my very small business can accept credit cards online......even using a renowned gateway....the funds are 'stored' like a bank......I aply and get a ATM card which I use to get my funds. Very much like Ikobo, epassporte etc but those who pay me dont have to belong to that site. In other words I can accept money from via credit card software/virtual terminal but the funds dont go to my bank. he reason so you all know......the Philippines is not known for having the best security in the world and takes a long time to get the money into an account......even if the customer is a good customer.

2007-02-08 01:06:44 · 3 answers · asked by An_Idiot!!!!!! 1

i have a ccj which is to come off next year. i use a family members bank account. im struggling to find a company who will give me a loan

2007-02-08 00:42:20 · 10 answers · asked by delli 1

Do I still have to make monthly payments?
Also, I am married but my spouse is NOT on the car loan and doesnt even have a license.

Will this end up on my spouses credit as well as mine? (I live in North Carolina)

2007-02-08 00:20:55 · 3 answers · asked by Melissa M 1

I have a MasterCard with HSBC. I know they take fraud prevention seriously, but most of the time they just go too far.

I am usually unable to purchase items online, as my card will decline, and now it has started declining in shops too, simply because the purchase is "unauthorised".

They frequently call me to verify that I have made particular purchases, which even though it only takes a few minutes, is odd because they want to verify that I spent £10 in the supermarket?! I could understand it if it was a couple of hundred pounds.

Every few months they decide to cancel my card and issue me a new one as they say that someone has obtained my card details. I then have the inconvenience of being without a card for two weeks, as well as having to go to the bank in person to collect my new card.

I have excellent credit and pay my card off in full every month. I am wondering if I should switch to another bank, or if other banks put their customers through this trouble as well.

2007-02-07 22:04:21 · 11 answers · asked by Anonymous

i lived in an apartment for less than a month, i moved out but the gas company said i didn't call to have the service turned off. its been 7 years. the gas co. left the gas on for 1.5 years. the people who lived there after me, apparently paid on the bill just enough to keep it on. i don't want the hassle of being a detective, but what can i do to clear this from my credit?

2007-02-07 20:52:56 · 4 answers · asked by Jeffery H 1

Freelotto's are telling me that i am a winner every day whith meny letters.but i couldn't belive it.and they say to me it is not lie. they only need for my adderes.but they are also asking me for credit card.i have no credit card.and there is no avilability of it in my area

2007-02-07 19:35:34 · 7 answers · asked by henock 1

The said it was from the law firm of Joe Pescuto(sp?) about a deliquent account. Has anyone had a debt sent to a law firm insead of a collection agency?

2007-02-07 18:10:12 · 4 answers · asked by sweetjenv23 3

I will soon be applying for a new car loan.
If my wife has better credit than I do should she also apply as a co-borrower? The reason I ask is because I work and my wife doesnt so would they even consider her if she doesnt have any income? Do you think maybe they would consider my income and hers as the same since were married even though she doesnt work?
I'm just thinking we might get a better interest rate by using her credit as a co-borrower since her credit is better than mine.

2007-02-07 17:49:42 · 2 answers · asked by linkinparkchic 3

i got a cingular pick your plan they would pull money out of my checking account automatically $39.99 a month would this build credit if i kept the service and paid on time or do i have the wrong idea
i need credit to get a loan on a mobile home and it would help if this set me on the right track to do that

2007-02-07 17:05:33 · 7 answers · asked by Anonymous

I owe like $35 000 in credit cards and am unemployed ( my business went **** up)...I have had good credit all my life R1 for the most part some accouts I've had since 1994...

The problem is not the interest, I can afford that somehow, but the minimum payments.

Is there a way I can negotiate with the companies to only pay interest and freeze the card until things get better?

Would that screw my credit as bad as not paying at all?

2007-02-07 16:39:11 · 2 answers · asked by fantapattaya 2

I dost this information some time today in a public shopping center. I want to know what I can do to prevent something from happening to my identity.

2007-02-07 16:12:43 · 2 answers · asked by Debby W 1

I don't even owe them money, yet they call night and day, sometimes in the middle of the night. They also send threatening letters in the mail. What can I do?

2007-02-07 16:07:03 · 15 answers · asked by Anonymous

Please tell meee. And.. how can you get it? I WANT ONE LOL

2007-02-07 16:06:00 · 3 answers · asked by LizAsAweS)mE 2

how can i buy e-gold and paypal? where? instead of using credit card, any else way? they said use the money order (bank) but the bank location is too far. Im at malaysia in sabah and the bank location is at peninsular of malaysia (HONG LEONG BANK) so, any bank in sabah can be done?? please help me? or any suggestion?

2007-02-07 15:51:24 · 3 answers · asked by Liquid Solid 2

i don't have to pay any loan to the bank and i don't have children.i don't even have to pay for petrol or bills.we don't even go out for fun as we're the quiet type.my husband and i are both working but still we do not have enough money to last for the whole month..help

2007-02-07 15:42:51 · 9 answers · asked by Anonymous

i got a federal tax id number for my business and i need to know how to use it to apply for credit as opposed to using my ssn and my personal credit

2007-02-07 14:50:05 · 4 answers · asked by skytzo ! 3

I purchased a painting at a store that cost about 1200 dollars on Sunday. I paid 15 % (about 250) by credit card and the rest of it by financing. When I made the purchase, they had a 3 month free financing offer. However, my credit was not strong and was not approved for credit. Before I made the purchase, I asked whether if I do NOT get approved for credit, can I get my deposit back. They said "Yes". On Sunday, the banks were closed to process credit. After 3 days later, the called me saying that I got denied for credit. Therefore, I would have to pay the rest by credit or check. I did not have the money to pay the rest by credit. They now said deposit is not refundable.
However, they accidently shipped me the painting (without full payment). After 5 months, accounting caught up with the short change and called me. My question is if I do not pay, can they legally screw my credit (or do something), even if they mess up by shipping me the painting? I even offer to return picture.

2007-02-07 14:50:04 · 3 answers · asked by supersupau2002 1

I purchased a painting at a store that cost about 1200 dollars on Sunday. I paid 15 % (about 250) by credit card and the rest of it by financing. When I made the purchase, they had a 3 month free financing offer. However, my credit was not strong and was not approved for credit. Before I made the purchase, I asked whether if I do NOT get approved for credit, can I get my deposit back. They said "Yes". On Sunday, the banks were closed to process credit. After 3 days later, the called me saying that I got denied for credit. Therefore, I would have to pay the rest by credit or check. I did not have the money to pay the rest by credit. They now said deposit is not refundable.
However, they accidently shipped me the painting (without full payment). After 5 months, accounting caught up with the the short change and called me. My question is if I do not pay, can they legally screw my credit (or do something), even if they mess up by shipping me the painting? Even I offer to return picture

2007-02-07 14:47:27 · 9 answers · asked by supersupau2002 1

on credit card applications they always ask for "household income" .. i dont get it, if they wanted to know MY income, they would ask "what is your income" .. but they dont, they ask what is the income for my household.. are they just retarded and want to know the income of all the people who live in your house and dont care if its not your income or what? im going to apply for a credit card soon, so thats why im asking... is it ok to just put down the income for everyone in my house? what about situations such as if you have a roomate? is there any way they can even verify this or that it could get a person in trouble?

2007-02-07 14:42:13 · 2 answers · asked by Anonymous

Does anyone know how I can get my credit card history for any credit card, like every transaction made for last Jan. for 2006? is there a law or something that says they must provide me my own history? I have many credit cards and they are acting like its impossible for me to do this. Some business is saying I owe them hundreds and I need to prove that I paid them... a YEAR AGO!! Pls. help me...

2007-02-07 14:38:30 · 4 answers · asked by enna 1

Help! I think I have been duped. I got a credit protector fee about five or six years ago. I was told it would help me if I am disabled, but now I hear I am basically paying them to not give my credit card number away. Please help, I can't believe I have been wasting my money, paying for something they should automatically do for me. Help!

2007-02-07 14:19:46 · 2 answers · asked by pixles 3

I have a couple of negative items on my credit report that are approx 6 years old, I cannot pay them. I have noticed that one collection agency will "sell" the debt to another agency. Does that affect the dropoff date? Also, do items really Drop off and are gone or do they just not count against you anymore? These credit issues are really ruining my life and everything just keeps getting worse and worse and worse.

2007-02-07 14:15:58 · 5 answers · asked by Anonymous

I have a judgement against me and would like to know if it is still possible to get a mortgage and if so who can I contact?

2007-02-07 13:54:23 · 4 answers · asked by Kevin D 1

I bought an expensive item a month ago from Amazon.com and am disatisfied with it, so I'll be returning it sometime tomorrow. I opened up an Amazon.com credit card so that I could get 30.00 off the item and recently paid 10.00 for the first monthly charge.

When my refund comes for the full amount, will I get a 10.00 credit on my card? If so, would I be able to purchase something from another site and use that credit to pay for it? I'm just not sure how that whole thing works. Any help would be great. Thanks!

2007-02-07 13:37:46 · 1 answers · asked by Anonymous

Civics

2007-02-07 13:31:02 · 5 answers · asked by italian_mob14 1

2007-02-07 13:17:24 · 5 answers · asked by seasun 1