Credit - March 2007

I have several credit cards and am having some difficulty paying them. Some of them are late. I have met with a financial consultant and developed a plan to get out of debt. What is the best way to communicate this with the companies. I have written a letter and have sent it, but wanted other thoughts as well.

2007-03-23 06:26:31 · 4 answers · asked by skcubog 1

The offer basically implies that by trying their free service you automatically get enrolled into Triple Advantage. If you don't cancel your membership after 30 days you get billed 12.95 for the month and each additional month. Is it a pain to try to cancel the membership or is it a simple click of the button? Is this just Experian? Input from anyone who has tried it would be appreciated.

2007-03-23 06:00:13 · 5 answers · asked by Angels 3

over the interest rate. They said we need to contact the creditor to see if we can have it adjusted. Was the debt really turned over? I thought that once a collectiong agency has your debt, you have to deal with them directly, not the creditor? What's going on?

2007-03-23 05:51:49 · 5 answers · asked by Nicky G 2

My fiance and I have been with each other for 7 years. He had about 5 thousand dollars in debt when we got together and has gotten about 3,000 dollars more since then. (hospital bill) I got my taxes back last week and paid all of my credit card debt. Now he is pissed that I paid of my debt and didn't pay his that he got before we were even together!!! Should I feel guitly that I paid mine instead of his. He's calling me selfish and making feel bad.

2007-03-23 05:26:55 · 7 answers · asked by Anonymous

2007-03-23 05:02:47 · 18 answers · asked by RachLA 2

I have a bad credit. recently i got approved by 2 new credit card companies..one company reported to credit bureau abt my payment on JAN 2007. my score was around 623. another credit company reported to credit bureau last week. the score dropped from 623 to 537 :0. unbelievable. i thought the score will increase.. how come the score got reduced... any idea?? .P.S: 2 new credit card companies which i opened are in good condition.. i'm paying as agreed.. i opened both of em on DEC 2006.

2007-03-23 04:39:40 · 8 answers · asked by mahesh m 1

We are seeking a non profit credit counselor to help us figure out how to eliminate debt. Has anyone ever dealt with this organization? What was your experience like?

Just curious..

2007-03-23 04:23:38 · 4 answers · asked by michellelovelandprincess 1

I am sending a check from the states to my friend who resides in Alberta, Canada. I wonder if he can cash my personal check? If yes, does the Canada banks convert USD to CND? Is there any other hefty fee he might encounter?

2007-03-23 03:27:51 · 7 answers · asked by A W 1

2007-03-23 03:03:14 · 6 answers · asked by Nancy L 1

One of my members (I work in a credit union) just bought a new car & had it dealer financed, b/c we couldnt do anything for her b/c of horrible credit (& yes, I know & told her not to go new, b/c of payment, due to the credit issues).

She just came & told me that the dealer had to do a lot of shopping around to find a finance place (mid 400 score w/ collection issues & lates). The one they found, is not only charging 20% interest on $18k, but also charged an additional $2000 FEE just because of the high risk factor! So, they actually put on the $2000 on the financed amount (b/c of course, she didnt want to put any money down), so she is upside down $2k from day one!

I have never heard of this. Is this something new or did they just get over big time? (even more than the 20%). I had the talk with her about her credit & needing to fix it long ago. She makes over $100k/yr, but is just bad with her money. Tried to help her reestablish, but turned down for $1000 secured loan!

2007-03-23 02:59:53 · 4 answers · asked by ricks 5

Okay...
I recently signed up for an account through Identity Guard. I recently realized the importantce of having good credit and what not having good credit can do to you. Yes, call me young and dumb. I have always not paid my bills, etc. Now, I must face the facts.
I have a few credit card accounts from years ago that were never paid. My total debt is $4000. My three scores are as follows:

559 Equifax
509 Experian
535 Transunion
How can I fix this? I seriously have 3 accounts on my report that are all below $100! 1 is only $34.00. Pitiful!
They are all so old, so I am not sure as to what to do to fix my credit...
Any suggestions?

My husband and I want to buy the home we are living in within 1 year.
His scores are as follows:

545 Equifax
516 Experian
542 Transunion

Our monthly income: $6500
He works, I am a student with no student loans.
Any suggestions on how to fix this?

2007-03-23 02:57:09 · 7 answers · asked by michellelovelandprincess 1

2007-03-23 02:51:27 · 7 answers · asked by Ms. Gump 3

I'm a disabled vet. waiting on va benefits

2007-03-23 02:30:11 · 9 answers · asked by jhirmal24 1

Such a dumb question.. i had a rough night so can someone plezzzzz tell me does Starbucks accept visa?
Thanks..

2007-03-23 02:16:18 · 5 answers · asked by Mystic Bell 3

Hi,
I had a really weird experience. I had not gotten my credit card statement in the mail, and was getting a little worried. I went online to check my statement. When I got online, I had all these fraudulent charges. What is really strange, is that somehow, they had made a payment out of my checking account. I checked my checkbook, and was missing a check that they had made the payment with. My questions is why would the thief go to the trouble of making the payment??

Thanks for your time
pb4sc

2007-03-23 02:11:34 · 8 answers · asked by PB4SC 2

I ran into some financial difficulties before I knew it I applied for way to many pay day loans. Now I made payment arrangements with them but my checking account is in negative and car payment needs to be paid. I am basically a single mother trying to do what I can. Does anyone know how to help me I do work right now and I need to bring my checking account back to positive.

2007-03-23 02:09:59 · 3 answers · asked by Tracy G 2

2007-03-23 01:05:57 · 5 answers · asked by Anonymous

Basically a company that I had a store credit account with failed to get any bills to me. I did move during this time but set up a proper forward with the post office and was receiving all of my other bills. A while later I received a collection notice from the aforementioned company. As soon as I received it I went straight the the store steaming mad and explained what had just happened. The employee apologized and called the credit company. I spoke with them and they said that they would consider the account paid in full if I paid a set amount. I then received another bill, went in again angry and paid that amount. I checked my credit report and disputed the item on the basis that I did not receive bills and paid the full amount with all the interest when I did finally receive a bill. They did nothing. Do I have any legal action I can take because this is really the only scar on my credit report and it is not my fault!?

2007-03-22 19:11:03 · 3 answers · asked by bigD4316 2

Is it possible to recieve airline miles from two different credit cards, by paying one off with the other and then immediately paying the second off with a checking account?

2007-03-22 19:10:51 · 2 answers · asked by teach_n_travel 2

Due to fatal car accident and 2 surgeries my student loan fell into default. I'm made many payments there after, but missed a few. They never reported those payments. Now I'm under wage garnishment due to the missed payments and they are still not reporting the payments to the credit burueas. This is costly to my credit score since I have 12 loans out from school. What can be done? Also on top of the 15% garnishment they want $380 per month for a year to get the loan out of default. Help anyone.

2007-03-22 19:08:21 · 1 answers · asked by Anonymous

philippine branches please

2007-03-22 18:50:22 · 5 answers · asked by bright_sitara 1

I defaulted on a CC jugement from 1999. A new CA has me back in court for this judgment. But w/ new CC #'s. Is this leagal. I have called all involved and no one can find the original CC #'s. I have all my papers. And all the docket and case #'s match. But not the CC acount numbers.

2007-03-22 18:37:40 · 2 answers · asked by Fran 1

My Husband has 12 accounts in collection. 9 of the those are for medical bills associated with his epilepsy. All are over 2yrs. We are not sure how to start fixing this. Should we send a letter of validation first and then try the settlement or not even worry about validating the debt?

2007-03-22 18:23:41 · 3 answers · asked by hdc9980 1

Today, I received a call from a man claiming to be from TIAA-CREF. He said there were discrepancies in my SSN and then rattled off a SSN. I didn't respond yes or no but said that I would contact TIAA-CREF directly to resolve any problems. When I contacted them, the TIAA-CREF call center said no employee would ever call me about my SSN. Would it be a good idea to put a fraud notice on my credit report immediately? To make matters more complicated, I am right in the middle of applying for a mortage to purchase a home and I don't want that process screwed up.

2007-03-22 17:43:30 · 7 answers · asked by Anonymous

2007-03-22 17:25:53 · 8 answers · asked by ramanc2002 1

you your ok but then you find out your overdrawn and they wont do anything to make it wright what do we dohow do we resolve this

2007-03-22 17:15:48 · 1 answers · asked by davanna m 3

I was told that I can get a prepaid Visa card to help rebuild my credit,I'm not talking about a prepaid debit card but a credit card.I'm not sure if a debit card would help because it's your money that your spending and you don't have to pay that back or is it the same?

2007-03-22 16:50:50 · 6 answers · asked by Yvette B 1

Are there any alternatives to getting a credit card, especially when it comes to more and more online businesses wanting credit cards?

2007-03-22 16:43:29 · 7 answers · asked by Anonymous

I need $200 right now ( just $200!), but I don't have it in my bank account. I would like to get a payday loan, but I keep running into these fake ones on the net. they say they will approve you, but all they do is direct you to these other sites who then direct you to other sites. I think they just phish for e-mails so they can spam the hell out of you.

Is there a REAL site that will hook me up? Anyone know?

2007-03-22 16:39:18 · 7 answers · asked by marbledmagenta 1

I have a couple store credit cards (Victoria's Secret, New York & Co., etc). They have a $0 balance on them so my question is...is it better to keep the account open with a $0 balance or just cancel them? Which is better for my credit score??

2007-03-22 14:51:18 · 6 answers · asked by Jess 2