Credit - February 2007

Hey all. i have a 651 credit score and the mortgage company i am working with says i need a 680 to get a good interest rate. how can i get my 651 to be a 680 in a short time?
it's a difference of 2% interest points.
thanks

p.s. anyone know of a website i can use to opt out of credit card offers?

2007-02-07 07:01:27 · 7 answers · asked by shortcrazychic 2

2007-02-07 06:37:49 · 9 answers · asked by Fruitful1 3

I have two credit cards and a car loan on one of my Credit cards my middl name is on it on the other it isn't as for my car loan it doesnt have my middle name neither. Is this a big problem or it really doesnt matter?

2007-02-07 06:06:17 · 4 answers · asked by edgar310 1

2007-02-07 05:59:06 · 7 answers · asked by lg_boy87 1

2007-02-07 05:55:11 · 11 answers · asked by Sandra 1

If you have extra money to make extra payments, should you make extra payments on your current home mortgage or should you make extra payments on your land loan (plan to build a home on the land in the next 1-5 years). If one of the loans has a 1% higher interest rate, is this the one you should try to pay off faster?

2007-02-07 05:42:19 · 6 answers · asked by Home Owner 1

HOW CAN I GET A FREE COPY OF MY CREDIT REPORT FOR FREE?

2007-02-07 05:42:16 · 3 answers · asked by RAYMOND P 1

Ive got two marks on my credit report that im curious about.

1. A credit card i didnt pay off that got turned over to collections. I then payed an amount less then the total to have it closed after a call from a collection agency. It appears on my report and says "revolving account". Im not sure what that means? Can i do anything to make this appear better? For example paying the rest of the total amount?

2. This was a loan i had and payed every month on time for awhile. One month i was late then the following month i payed it off early. Does this look good? Does it look bad? If it looks bad can i do anything to make it look better?

Thanks for any help!

2007-02-07 05:15:22 · 3 answers · asked by jason m 2

2007-02-07 05:13:17 · 8 answers · asked by Jeffery H 1

My dads estate has been closed for almost two years. His ambulance bill from the scene to the hospital has shown up on my credit history. I was executor and beneficiary (only child). I had talked to this company gave them all of the insurance info. They said they would file it. The say that they did but told me that BC/BS said there was no account. So I called BC/BS they gave a number the company could call. I relayed this info to the ambulance company. That was all I had hear of it. Credit was run to purchase a new home. Bingo there it was. I don't have the insurance info as the attorney said I didn't need it now. Am I really responsible for this bill? Do I call the UAW? Who do I call to get this off my credit? The collection company says I have to pay it to get it off there.

2007-02-07 04:48:39 · 4 answers · asked by misstigeress 4

2007-02-07 04:45:27 · 3 answers · asked by norma 1

2007-02-07 04:41:36 · 9 answers · asked by EVELYN A 3

I have a New York and Co. credit card that I closed. Now I would like to re-open it but I'm concerend that it will hurt my credit score.

2007-02-07 04:40:33 · 3 answers · asked by musicjenni 1

I have a girlfriend who is in the market of buying a brand new scion tc 2007 for $16,000.00 but I know for a fact its not going to be that cheap once she has to pay for taxes and the title etc., anyway I was in the process of getting us a vehicle such as a infiniti m45 or g35 but she isnt patient enough to wait and is now trying to get a vehicle for herself, shes approximately 15,000 in debt in which of that is part of a repoed car and payment fees, is she going to be able to just finance with her income directly through Toyota, in my opinion I dont think she will be able to, she is able to make the payments since her salary a month is 2k around that, but she just doesnt understand when I explain to her she'll have to put a big money down or get a cosigner for the car, or ofcourse lease financing, she wanted a 42 month term and she also thinks LOL that she isnt going to have apr fees, guys and gals whats your opinion about the situation, im soon to get an infiniti g coupe

2007-02-07 04:22:46 · 10 answers · asked by Anonymous

I have bad credit so i started applying for credit cards to repair it I've been approved for 4 but one of them has a $250 limit and when i recieved the card it only had $72 credit left after they took out "fees" should i send this card back? why did i have to pay so many fees thanks in advance for your help

2007-02-07 03:41:20 · 10 answers · asked by Anonymous

The lady bought merchandise from our company and her credit was not accepted. In attempt to get our merchandise back i gave her a call and told her that her credit was insufficient and that we had to reposses the machine. She is refusing to give back the merchandise.

2007-02-07 02:57:40 · 2 answers · asked by Anonymous

for my invoice was rejected the thing is... i dont own a credit card i i didnt use this company for any thing what or where to i go to find out about this card? dont have a name of card or what was ordered

2007-02-07 02:52:38 · 18 answers · asked by infoman89032 6

We went to apply at a credit union and the first time the lady said that we was approved of the amount that we asked for without collateral and that the next day we could fill out the forms and get our loan. The next day we went, it was a totally different woman and story. She told use that we was not approved at all for the amount of the loan that we have asked for but that they colud offer us another amount in which was not enough to pay off one of the four credit cards that we have. It's very, very fraustrating because we pay all our bills on time and we do make the mininmum payments on the credit cards which ranges from $50-$100 but that's not enough for them. We just want to pay off the credit cards and to build our credit back up again. What can we do? We need some help!!!

2007-02-07 02:17:18 · 3 answers · asked by NoNo 2

2007-02-07 01:57:33 · 15 answers · asked by thumper17tripps 1

fourwheeler was about 8k and he still has about 6k to pay it off and i want to take over the payments on it he hasnt payed a cent on it for atleast a year and a half then he moves to a new state....i think i know the bank he took the loan out from and i just got off the phone with them and the loan lady was not in but she will call me when she gets in ..... what should i ask her? im ony 17 but i work i make about $300 a week... can this be done me taking the payments over the owner of the fourwheeler says its ok but he is not making any effort to call anyone..also when he moved he left the fourwheeler at his house it probably hasnt been ridin in a year its just sitting at his old house...=( so pretty much what i need to know is what should i say to the loan lady when she calls me and if this is possible since im 17 and alll.....any info will help! thanks.

2007-02-07 01:37:54 · 8 answers · asked by straight pimpin 1

Where intrest rates are headed in India ?

what is the possible outlook of intrest rates for next 5 years ?

I am plaaning to take bank-loan, should i wait ?

which option is better Fixed intrest rate or Floating intrest rate ?

2007-02-07 01:28:19 · 3 answers · asked by Anonymous

I regularly check my Credit status on experian. I had a bit of trouble with my credit cards recently, and had to use an outside agency(through which i paid them and they split it between creditors). When I look at my report it still comes up with money owing(big money) for the credit cards even though they have been completely paid off.
I have even had money back from the companies claiming they were paid too much. The only info from the report is that the accounts are resolved. Does this mean they are paid off, and can they be removed from the report?

2007-02-07 01:27:06 · 7 answers · asked by eddie7324 1

and guaranted cheques amount a bout 5000 pound due to some finical difficulty, the Bank called me and told that they will send this case to the court, I offered the bank to pay the loan but on my ability with no extra interest but the bank refused as its will take long time to cover my loan, now if the case went to the court , the court can send the Judge to the Interpol , Internatinal police and charge me in Malaysia as natwest has branch there , I dont have a UK citizenship and working in Malaysia, the loan contract with me and Nat west Isle of Man and no things happened with Natwest malyasia , all my documents with the bank is original no fraud.

2007-02-07 01:14:09 · 5 answers · asked by nice face 1

I have inquiries on my credit and I need to know how long it will take for them to be removed. I also have a REPO and charge-offs. I'm in desperate need of a car and my credit is terrible. I've been turned down by 3 banks already. Can anyone give me any advise??

2007-02-07 01:04:20 · 7 answers · asked by muckybread 1

2007-02-07 00:51:39 · 3 answers · asked by Fruitful1 3

My husband has debt he needs to pay off from before we were married. If he would get a Debt consolidation loan to pay this off, will it affect his credit.. or my credit? I DO NOT want this to ruin my credit.
Thanks!

2007-02-07 00:44:12 · 6 answers · asked by soonerfan0808 2

I had a car repo'd by the finance company. They sold it wholesale and sent me the bill for the deficit....$6000. I'm sure they'll take me to court and be awarded a judgement if I can't pay it off, but I'm wondering what the chances are they will execute on the judgement, meaning they will pursue a court ordered wage garnishment. Anyone have a similar experience?

2007-02-07 00:43:24 · 2 answers · asked by Johnny G 2

hi ,i live in the uk,unfortunatley i had quite a messy seperation last year and my credit history has really suffered as i have checked,i now need either a debit or credit card and cant find anyone to give me one,i have heard about secured cards are these avaliable in the uk,or does anyone know where i may get accepted for a card

2007-02-06 23:02:48 · 7 answers · asked by CHRIS G 1

2007-02-06 21:45:45 · 11 answers · asked by david o 1

My friend left the states 20 years ago to live aboard., he owed 45k to credit card companies and loan companies . If he goes back now can they try to collect from him?

2007-02-06 21:43:17 · 6 answers · asked by Anonymous