Credit - March 2007

there were numerous of inquiry place on my credit report. transunion credit agency said "they dont investigate false inquiry". however, the other credit agency did and it was deleted. what can i do about transunion ? are they pulling my leg ?

2007-03-23 23:48:00 · 1 answers · asked by michael s 1

2007-03-23 22:42:05 · 5 answers · asked by mrtitanhead 1

2007-03-23 22:03:36 · 2 answers · asked by Casanova 2

Is there a website that you can check the total amount of money you owe? haha I am hoping theres one...

2007-03-23 21:20:58 · 3 answers · asked by a9113257311 3

I am going to Europe in august and I need money. Help help help. How can someone like me get a credit card or a loan. I have a student loan plus at least 3 to 4 other things in collections????

2007-03-23 21:20:53 · 8 answers · asked by Jes 2

My friends are all getting approved for monthly PITI payments that are 40-50% of their gross monthly income. They had 10-20% down payments. Do lenders care less about your debt-to-income as your down payment increases?

2007-03-23 19:55:36 · 4 answers · asked by Erik 2

2007-03-23 19:47:49 · 7 answers · asked by shynin 1

I am with a credit repair company and they pulled my credit 3 months ago and had a bill for $300 on there. I know they probably disputed it and recently when I seen my cedit report it was not on there. Is it gone for good or did it no just show up that time.

2007-03-23 19:37:54 · 2 answers · asked by Anonymous

i had PERFECT credit my whole life with not one late payment it was like 70o something. i had barrowed and paid back thousands over the years. last summer i got divorced then a aobut 5 months ago got pregnant. ever since i got pregnant i have not paid one payment to any of my credit cards * not even minimums* however my insuracne, rent, utilties and phone are still right on time every month. how messed up do u think my credit is? really bad, unrepairable? or not that bad? thanks

2007-03-23 18:45:13 · 9 answers · asked by lady26 5

2007-03-23 18:17:02 · 7 answers · asked by Bob 2

A mortgage company told me I need to get an additional 12 points to qualify for certain first time home buyer programs. any ideas on how long this could take?

2007-03-23 18:00:00 · 6 answers · asked by KinWin 5

I can't seem to find anywhere to get my credit score online. I'm aware that in the states your allowed one report from each of the major credit companies per year for free. Does this apply to Canada? What are the companies called in Canada? How do you get it online?

2007-03-23 17:33:14 · 0 answers · asked by Anthony D 2

I worked in the USA and obtained the credit card while in the USA. I now live in Canada and have a Canadian credit card as well. I had planned to cancel the American card but the bank does not mind that I live in Canada so my husband wants to keep the card and use it when we travel to the USA. I wonder if this is wise or foolish.

2007-03-23 17:15:05 · 3 answers · asked by Cindy G 1

2007-03-23 16:50:22 · 6 answers · asked by jv3377 1

a credit limit of $750.00. I also have the premiers and orchards but one of better offer as my last. If you have the same credit problem and have gotten a good high credit limit with low payment, could you give me the www.bank to fill out for an application for that credit card instead of waiting for a deal to come in the mail. No Prepaid Please. Thank you!

2007-03-23 16:03:15 · 5 answers · asked by auntkarendjjb 6

I know that everytime your credit report is pulled it affects you, but can it hurt me if at least three quotes. I am trying to apply for a home loan, and very unclear about a lot of things.

2007-03-23 15:50:28 · 3 answers · asked by Mariposa13 3

i would like to get a credit card solely for emergency purposes. But i dont want to pay a monthly fee if i dont use it. I am 18 and dont have enough credit to go with another credit card company. Capital one sent me an offer. I would like to know if they charge a minimum fee, because the only time i want to pay anything is when i use the card. Does anyone know if their are a minimum fee?? or a monthly fee??

2007-03-23 15:49:21 · 5 answers · asked by joshua102888 1

My wife and I applied for an auto loan. We can borrow traditionally from a bank @ 9% or can go thru a family trust @ 7%...which makes sense because we can borrow more cheaply and pay the family more than they can fetch in today's current interest rate environment (it would save a couple thousand dollars over the term of the loan).

However...we want to buy a house in a few years so WILL A BANK LOAN REPAYMENT OUTWEIGH THE LOWER INTEREST COST WE CAN RECIEVE NOW, meaning will this enable us to borrow at a lower cost when it comes mortage time.

Thanks

2007-03-23 15:22:16 · 2 answers · asked by Banker 1

I am new to this whole credit thing. So I have a couple of questions.


1. I have a about 13 or 14 inquires on my credit report because I had to apply for school loans and credit cards. I was able to get 3 small loans and two credit cards. How will this effect my score?



2. I paid my credit cards balances in full for nearly 5 months, but one month i could only pay the minimum payment will this hurt my score?


3. My credit scores are 689, 698, 715 is this good or bad?


4. I have a couple months left until next school year, and i will have to apply for more loans, (pharmacy student) will i have better luck now that i have some credit history?


5. I know this is a lot but i would really appreciate the help. And I would appreciate any tips on credit, credit scores, and getting the best score possible.
Note: I have been very responsible with my credit cards except one month when i could only make the minimum. So please no lectures on the evils of credit cards

2007-03-23 15:18:12 · 5 answers · asked by TSW 2

Back in the day i played this online game my parents let me be a member for $5 a month but i quit a few months ago i want the membership back but i know my mom will say no if i use the credit card to pay for it since its only 5$ a month will she notice it?

2007-03-23 15:15:51 · 8 answers · asked by java 1

I'm currently disputing a few negativie items on my credit report. My question is this: Do i have to send one letter for "each" negative item dispute along with a copy of my credit report, even if I disputing the items with the same credit bureau? Because if that is the case, I would have to print alot since credit reports contains many pages. Or, can I just simply "list" all the negative items that I'm disputing, in one letter with one copy of my credit report (with highlighted dispute items)?

2007-03-23 15:05:28 · 5 answers · asked by REEMPIRE888 2

2007-03-23 14:36:18 · 3 answers · asked by janaschultz@sbcglobal.net 1

ok i dont understand how come when i apply for a credit card at any store like walmart,target etc.... im approved but when i apply for a capitol 1 card or a visa,master card they dont approve it how come can someone please explain this to me.

2007-03-23 14:31:57 · 8 answers · asked by Anonymous

Hi,

Does anyone know of a great credit card processing company other than PayPal?

thanks...

2007-03-23 14:24:03 · 3 answers · asked by Frank 1

Yesterday 3/22/07 there was a charge on my debit card, please return my money on my account and do not charge me again..

2007-03-23 14:15:39 · 7 answers · asked by regino r 1

It has the bank name that I use but in a city different than my local bank. And it also has my maiden name on it. Does this mean the creditor will take all my money? Or only other money that is deposited and not from my job? Does this mean my bank account is frozen or can I use the money that is from my job to pay my bills?
I need to file bankruptcy, but want to know how much time I have... Do I need to file immediately or can I wait a couple weeks (when I get all the paperwork together)?? I read somewhere that I have 14 days to file an Objection stating I've filed bankruptcy so that the creditor doesn't garnish the property or cash or wages.
Anyone, please advise.

2007-03-23 13:10:29 · 6 answers · asked by Anonymous

2007-03-23 13:05:40 · 3 answers · asked by al l 1

I bought some collectibles from a guy in Peru through Paypal. It appears he is a scammer and am not going to receive anything. How do you get Visa to perform a chargeback on the purchase when your card is a debit card issued by your bank, yet bears the Visa logo? Do you call your bank or Visa?

2007-03-23 13:01:49 · 6 answers · asked by transformerzdealer 2

I've got these NASTY bill collectors from a place called IC System calling me and harassing me. Has anybody else heard of these people?

2007-03-23 12:57:56 · 5 answers · asked by Hand Banana 1

Citi Credit Monitoring Services, True Credit, and one of my credit cards all three have different scores. It is not different scores from different credit bureaus. My Credit bureau scores are also different for all three programs I use.

2007-03-23 12:10:44 · 7 answers · asked by Anonymous