Credit - March 2007

i have all reciepts and communications between debtors i just want them marked as paid at least

2007-03-20 14:15:33 · 10 answers · asked by auggie s 1

I have 3 credit cards that I just never use. I have kept them for emergency purposes. If I need a credit card for something, I just use my debit card. (Is this really a bad thing?)
Anyhow, one of the creditors just informed me that they will charge a fee even if you have a zero balance, and also an extra fee for foreign purchases. Of course, I want to cancel. Is this bad? Also, I already cancelled 2 dept store cards, Lerner & Spiegel, last year.

2007-03-20 14:15:13 · 9 answers · asked by OK 2

2007-03-20 14:03:15 · 2 answers · asked by Bishonen Panda 1

2007-03-20 13:54:00 · 5 answers · asked by dancingqueen_grace 1

How can I clean my credit, I have a Verizon bill at collections which made my credit score plummet, causing me to lose a loan, and now I need to fix my credit, and am going to pay? any steps towards cleaning it? such as paper trails and such a detailed explanation of the exact process will be greatly appreciated, such as what to get from verizon or the collection agency when I pay, how to pay? check money order via phone or mail? Certified and such. Thanks Winner gets 10pts. Thanks In Advance

2007-03-20 13:41:25 · 5 answers · asked by Anonymous

I am 19 and I have a $500 credit card, and I have been paying more than the monthy payment, although I owe 417, I have never missed a payment, and I have never been late, I also had a secure loan that I paid off, and never missed a payment also. I have had both of these less than a year and my credit score is only 616!!!! That is not good, what can I do to make it go up? I'm paying everything up, and on time adn just don't understand. On my credit score it said that length of time had something to do with my score, and possibly my inquiries 12, and my balance on credit card? WHAT SHALL I DO?

2007-03-20 13:33:59 · 6 answers · asked by mennoseeker 1

I need to refinance to stop a forecloser after a bankrupcty. Is there any way I can do this because the soon to be X is fighting everything and won't sign papers to refinance.

2007-03-20 13:32:10 · 2 answers · asked by M L 2

My dad took out a loan for me in his name. He is the only person on the loan. I make the payments every month. I mailed a check in for the payment, but due to an error I had made the check was returned unpaid. Without contacting me they sent a letter to my dad telling him the check was returned NSF and also included a copy of my check. Can they leaglly send my father a copy of the check even tho the loan is in his name? Don't they have to tell me the check was unpaid. I thought they could only say the account was past due since my check bounced. Can they legally send him the copy of my NSF check?

2007-03-20 13:23:15 · 1 answers · asked by Anonymous

I have 3 one is a $2500, $1000, and one is $600.
So far i've only use the 2500 limit one, I've haven't even activated the $1000 card, should I just closed that card account?

The $600 would be my reward card, the gm flexible reward card. Which would help me in getting I car. So is this too many?

2007-03-20 13:11:07 · 11 answers · asked by ArchAngel Raziel 3

I was a very naive nice girl and I let my friend (who is an idiot, and I'm an even bigger idiot for helping him) get a phone from Sprint under my name. It's been at least 3 months and he has not made one payment. I have tried to get him to pay and I can't afford it. I know I made a mistake in trying to help him and I AM RESPONSIBLE. But what can I do??? I can't pay it right now and I guess he just doesn't care enough about me to pay it. I am regretting ever even knowing this person and I want to quit bugging him about it? Advice?

2007-03-20 13:02:22 · 4 answers · asked by Anonymous

I had a Chase Mastercard that I had gotten my freshman year in college. 4 years later and I have only used it maybe 5 times....and only recently. But then my card went missing and I have $700 on my account that I'm responsible for???? How do I fix this?? I only maybe used it for $120 altogether?? I don't use credit cards...I know it's a very bad habit...so that is why I never used it. I don't have many expenses yet so there is no need to use it. I definitely don't want my credit ruined this early.. on my first card!

2007-03-20 12:45:09 · 4 answers · asked by Anonymous

My mother in law passed away recently leaving behind a $8400 credit card debt. She left no will and has no estate. Her name has been removed from all accounts, however her name is still on the title of the house I currently live in along with her brother's. The credit card bill apparently went to collections and an agency is calling demanding the balance in full, which neiter I nor my father in law have. My wife insists that we send monthly payments even though the agency told me they don't accept payments, only the balance in full or a settlement which they want in a lump sum. I don't want anything to happen to the house but nobody can afford to pay this bill and she had no liquid assets. Her brother will not remove her name from the title of the house. The agency said that they could send the account back to the original creditor if we don't pay them and that they could send a 1099 form to her estate. What should we do?

2007-03-20 12:23:13 · 7 answers · asked by sneakytrickster 3

These are very important questions because I am now trying to repair my credit so I can buy a home but am not too familiar with the credit game. And I only have two things in my credit now.

1. How long can a creditor hold you in collections for?

2. and if they remove you for some reason ( pulled out my report the other day and they are no longer there, and I haven't paid it yet) can they report you back into the collection agencies?

3. Anyone have any tips on how to improve your credit?

2007-03-20 12:16:44 · 2 answers · asked by Sonnys Wifey 1

personal loans with few charge offs bankrupcty really need help

2007-03-20 12:00:35 · 11 answers · asked by Lisa N 2

I am truly lost. I lost my job because my employer found out I was questioning things he was doing illegally. He cited rule violation and have been fighting with unemployment for the last six weeks. I filed an appeal a month ago. I have no income. I am educated, have great job skills but this employer is blackballing me, my supervisor told me so. I found a job, but no money to buy gas to get back and forth. Heck, I have 21cents to my name. I've gone everywhere, and don't know what to do? I am motivated, educated and love to work.

2007-03-20 11:27:16 · 3 answers · asked by dlm1ok 3

2007-03-20 11:13:23 · 3 answers · asked by colio 1

About 2 years ago I had a banking account with Chase(bankone at the time) and pulled to much money out of the account and due to overdraft charges ended up with a bill of 300 dollars. Well I paid them off and when I went back to open a checking account again they denied me saying I was on ChexSystems list . I ended up opening a account with Wamu but How do I get my name off. I sent a letter , but nothing happened.

2007-03-20 11:11:21 · 3 answers · asked by Anonymous

serious answers only please, I believe I have been mis-sold a holiday caravan worth £15 000, only to find the loan agreement states a fee of £6000 and a total cost over 7yrs of £25 000. Can someone please advise me of any rights I may have.

2007-03-20 10:50:52 · 5 answers · asked by Anonymous

2007-03-20 10:40:38 · 12 answers · asked by Crystal D 1

im looking to buy a house in 12mths or so, but need to raise my credit rating to obtain a mortgage. i tried to get a credit card to help me do this, but was refused. what can i do?

2007-03-20 10:38:38 · 18 answers · asked by hunter 2

If you couldn't afford to pay the bill on time in the first place, why would a company charge you more fees?

2007-03-20 10:35:21 · 3 answers · asked by Anonymous

Our fico scores are in the low 500s. We've made some mistakes in the past that we're working on. Can anyone suggest a financial/credit advisor that help us with a plan?
We're in California, Bay Area.

2007-03-20 10:31:50 · 3 answers · asked by p.y.t 2

2007-03-20 09:52:51 · 3 answers · asked by michael a 3

Does anyone know if a consolidation firm will allow only two credit cards to be consolidated? Or does the amount have to be at least $10,000? Any advice for me would be appreciated.

2007-03-20 09:32:05 · 3 answers · asked by Anonymous

I have been used to the idea that submitting a credit card request online, if you are approved they will tell you on the spot, but if they tell you "your request can’t be processed immediately, we will mail you" it always means that you got declined.

Now two days ago I requested credit for a Chase credit card that myFico told me I would apply for, but I got something similar to the "we will mail you" message, only they never told me an excuse of "we were not able to process your request automatically"

Now, I am in doubt, my credit score supposedly should allow me to apply for that, do some companies ever say "we will mal you" and do so with an actual approval?

2007-03-20 09:28:27 · 4 answers · asked by Anonymous

How to i get them off my back? Lie and say '' I dont work here anymore!''? Am I going to jail? what would the charge me?

2007-03-20 09:26:34 · 5 answers · asked by shoebettysue 3

2007-03-20 09:18:14 · 6 answers · asked by lilbit 2

I own one fifth of my dads house and i just recieved a notice saying the credit card company is suing me, there are more to come im sure.can they & in how long put a lein on the housefor the money & how soon can they drain my bank account? they did that 15 years ago & took my paycheck when my son was an infant.
thanks for your help
Debbie

2007-03-20 09:16:12 · 6 answers · asked by debbie111 3

I am going to court soon, what should I do or say and what should I bring? Is there any chance they will settle, also if I go to court, what are the legal fees they tack onto your account?

2007-03-20 09:12:45 · 3 answers · asked by Anonymous

im filing chapter 7 totaling over 10,000.00 of bills what if i find a bill from doctors after i file can i add it on to my bankruptcy?

2007-03-20 09:02:36 · 10 answers · asked by Wendy H 1