Credit - March 2007

I am debating between a personal loan at a much lower interest rate or transferring the balance to a new card @ O% apr. I am overly certain that I could pay the balance before the 0% period is over. The transfer fee seems worth it since it is less that one month's interest charge. So my question is which will hurt my credit less?

2007-03-26 02:33:28 · 3 answers · asked by Confused1 1

I was thinking of switching banks but I remember reading, on a couple of credit application forms a few years ago, that there were questions asking how long you had been with your bank for. Why do they ask this?

2007-03-26 02:11:48 · 4 answers · asked by Z F 1

I had an outstanding balance of RM 2000 and I already settled it.I was even been given RELEASE LETTER for fully settling he amount,but now I am facing problem with banks as they are telling me, that my name is still under black list. Why does this happen? Once if some one has settled then automatically his blacklist data should be corrected immideately. Why does this happen? Cant any of my fellow Malaysians voice this out? This is crazy.

2007-03-26 02:10:35 · 1 answers · asked by MalMan 1

2007-03-25 23:39:03 · 12 answers · asked by Anonymous

hello, i have gotten copys of all 3 credit reports , there were at least 12 on each that should not be on my report and some items that were paid , and this is not noted on the reports , my question is they the credit reports will investagate . what do you think my chances are that they will update and delete certin items ?

2007-03-25 23:11:36 · 4 answers · asked by Sandy 3

My mother is in assisted living.She gets about 900 dollors a month in SS benifits.
I pay 600 dollors a month addition to this.Can I claim my mother as a dependant.
I have done some research on this,and the way I see it,is yes because it is more than half of what she gets in SS benifits.
Am I right about this?

2007-03-25 22:48:32 · 2 answers · asked by Anonymous

she has no money cold she get a crisis loan?

2007-03-25 22:47:48 · 13 answers · asked by Anonymous

to apply like bank statements or proof of identity

2007-03-25 22:38:44 · 4 answers · asked by Anonymous

Cars can be bought on credit, OK if it is zero percent but if you have to pay some of the exhorbitant amounts they charge, why not save up?

2007-03-25 22:38:38 · 13 answers · asked by John S 4

is this a good credit card too have they offer $3000.00 for those people with bad credit that would be me

2007-03-25 22:19:00 · 3 answers · asked by honey3 1

2007-03-25 20:41:23 · 12 answers · asked by S D 1

What would happen if I can only pay 1.00 on my credit cards. I am paying in good faith, I just do not have any money.

2007-03-25 20:09:55 · 6 answers · asked by Donna L 3

How long will it remain on your credit report? Is it from the original date, or does the 7 years start over from the date you paid the account in full?

2007-03-25 19:58:34 · 3 answers · asked by IWANNAKNOW 1

2007-03-25 19:48:51 · 13 answers · asked by Anonymous

I would like to know if a person who has no job, bad credit but a big equity in his house can get borrow money against his property. Is it possible?

2007-03-25 19:48:41 · 12 answers · asked by MumbaJumba 2

My mother used my identity to apply for a mortgage loan and an auto loan in 99 and 2001. I am 18 now and I just looked at my credit report and found this out. I was 10 and 13 in 99 and 2001, I COULDNT HAVE APPLIED FOR THESE! How do I have these erased off my credit history!?!? And Second how do I contact law enforcement regarding my mother's illegal tactics? Can she face any punishments for this?

2007-03-25 19:20:07 · 4 answers · asked by Thomas 1

I ordered $10 to my Phone Out and the balance reflected this amount correctly but in my bank statement it appeared twice charges from Yahoo. Please help to check and refund to me.
Thanks!

2007-03-25 19:07:57 · 3 answers · asked by wsw 1

I have a few pass collections, and according to my credit report, they're suppose to drop within the next couple of years... if another agency bought the account, do the 7 years start when they buy it? Should I contact any of the pass account collection agency's to settle the debt? Please advise, I had bad money management problems in the past and have been working on cleaning up my credit and my score is actually going up since I've been keeping up with my current open accounts... Thanks.

2007-03-25 19:04:06 · 5 answers · asked by IWANNAKNOW 1

I have some outstanding debt from years ago to a school and some unpaid student loans. I intend to pay them in the near future, but until then what can they ultimately do to collect? Can they reposses something I own?

2007-03-25 18:45:06 · 5 answers · asked by 21over 7 1

I just lost my card under my mom's account and I want to know how much it usually is so I can be prepared.

2007-03-25 18:31:16 · 4 answers · asked by Anonymous

ive got tons of debt i cant afford and have looked into bankruptcy.several people ive talked to told me not to worry about the credit card companies.how fast are they to sue if i dont pay?how many of them will go that far?

2007-03-25 18:29:27 · 4 answers · asked by Anonymous

2007-03-25 18:18:06 · 3 answers · asked by four5259mil 1

the newer one is unsecured and has a higher credit limit

2007-03-25 18:15:24 · 7 answers · asked by catsmeow150 2

please answer specifically

2007-03-25 17:59:56 · 12 answers · asked by Anonymous

I have two credit cards, of which I am the only holder and the individual responsible for making payments. I also have two credit cards which are held by each of my parents, on which I am considered an "authorized user." On those accounts, my parents each have one card in their name, and I have a second card, but it is an individual (not a joint) account in my parent's name (my name is only on the cards). On my credit report, my cards show, as well as each of my parents cards, where I'm listed as an "authorized user." My question is, will my personal cards, of which I am the only user and there are no other cardholders, show on my parent's credit report? Or are they exclusively on my credit report? Thanks!

2007-03-25 17:46:38 · 3 answers · asked by rnizlek 1

If I should have a bank account,what is the minimum amount and which bank you recommend?(I am a permanent resident)Please give enough information to me.Tanx a lot.

2007-03-25 17:28:24 · 3 answers · asked by Anonymous

i just got married and i have alot of hospital bills due to some bad health problems, i only have one credit card that is unpaid, 1000 dollars. so the majority of my bad credit is hospital bills, if we were going to get a apartment or rent a house, will the hospital bills count against me?

2007-03-25 17:20:36 · 11 answers · asked by Deb M 3

a credit agency came in contact with me about a debt supposily from when i was in the military and when i got paid and discharged, they said they overpaid me. can they accually come after me if i have paperwork showing that everything was paid off the day i was discharged. they said there was some mix up, and i owe them. but how was i suppose to know after 2+ yrs after being discharged, and my paperwork shows no such debt at all. what do i do, and who to i contact?

2007-03-25 17:17:27 · 3 answers · asked by hypermoore 1

including $4600 in federal student loans. Where can I get like a government grant to reduce these debts? or where can I go so i can get some debt consolidation?

2007-03-25 16:54:47 · 7 answers · asked by ? 3

I just went to freecreditreport.com and got a my free report. There is no contact info. I want to know how to contact the companies on there to arrange payment. Does anyone have any suggestions?

2007-03-25 16:44:38 · 1 answers · asked by BSMNYC 1