Credit - March 2007

I have the min paid off so I have money now it in good standing so should I pay it now...I told by them it ok i paid my min so what the hell I got the money to pay it now so should I pay it or wait for the next bill come in .. SO I NOT GETTING CHARGE INTEREST SO WHAT SHOULD I DO PAY IT NOW OR WAIT FOR THE BILL DOES THIS SCREW UP THE CREDIT CARD ..JUST WANT TO KNOW WHY THEY HATE THAT WHEN WE PAY IT OFF EARLIER IS THAT GOOD OR BAD HELP ME OUT PEOPLE

2007-03-29 21:33:12 · 3 answers · asked by Anonymous

2007-03-29 21:04:26 · 2 answers · asked by manju s 1

2007-03-29 20:52:30 · 4 answers · asked by manju s 1

If I have outstanding debt on my report that goes unpaid and there is no activity with the account after 5 or 7 (?) years does it get removed from your account? Even if the account was left unpaid?

2007-03-29 19:24:23 · 5 answers · asked by Lily's mom 1

If a collection agency is calling but nothing appears on your credit report from the agency about a debt...What can/should you do?!?

2007-03-29 19:12:43 · 10 answers · asked by Lily's mom 1

Or any online banks that provide service in MN

2007-03-29 16:49:37 · 2 answers · asked by bluelemin55 1

My girlfriend got a rebate check from her school and I wanted to know if its ok if I put it in MY bank account.Sshe doesnt have a bank account and she wanted to know if she can put it in my account. I was just wondering if it is POSSIBLE? I have USAA as my bank.

2007-03-29 16:48:48 · 11 answers · asked by Anonymous

Long story short. I just applied and received 4 credit cards and 1 Circuit City Card. They are lower limits with the highest being 1500 and the lowest being 500. My question is about this affecting my FICO score. I know inquiries hurt but only 2 of these were a hard pulls. I am just wondering if when these all start reporting to the credit bureau if it will drop my score alot? I have no balance on any of them if that helps.


Thanks

2007-03-29 16:42:53 · 1 answers · asked by Tracy J 2

Also, if you do have a card that's activated but don't use it much, will that also go against your credit rating? ($500 limit)

2007-03-29 15:13:37 · 11 answers · asked by pussnboots333 4

2007-03-29 14:32:32 · 8 answers · asked by luckylove 1

My husband and I have a credit card through our joint bank account. Recently, we transferred a balance onto this card because there was a 15month 0% interest rate on balance transfers. I have excellent credit and my husband has okay credit. Never missed a payment and never late on a payment. We have been paying well over the minimum on our bank cc for the past several months in order to have it paid off by the time the 0% interest expires. Anyways we just got a letter that says they are decreasing our credit limit because of the following:
"Amount owed on revolving accs is too high"
"Proportion of balances to credit limits is too high on revolving accts"
"Length of time accts have been established"

I pay my cards off in full every month and have minimal (less than $1000 cc debt that is on another 0% interest card). My husband has higher balances but pays at least the min every month. Our balance is still less than our new credit limit, I dont want this to impact buying a house.

2007-03-29 14:31:54 · 11 answers · asked by abod4 1

If you sign up to a credit card with a great bonus but never use it after, will it hurt your credit score? What if you do it multiple times?

2007-03-29 14:01:34 · 5 answers · asked by randomdude 3

I am a widow and live completely on my SS widows pension that is a direct deposit to my bank. I am so afraid they will put a lein on my account and I won't have anything to live off of. I do not own anything else. This credit card has not been used since early 2000 and was used most of the time to buy medicines for my husband who is now deceased. I currently do not have a credit card. Please help if you can. I received this summons to answer on 3/20/07.

2007-03-29 13:27:54 · 5 answers · asked by Anonymous

Do they look at their debt or do they just base the approval or denial on their over all credit score?

2007-03-29 13:15:47 · 3 answers · asked by monica b 1

If you have a repo or charge off on your credit record, will it drop off after 7 years?And what about a charge off that has been bought by a third party? Does it go away with the original?

2007-03-29 12:51:08 · 4 answers · asked by mc1968c 1

Just wondering peoples response. If you have any statitistics, please provide a link.

2007-03-29 12:01:28 · 6 answers · asked by Anonymous

Returned a lease early, dealer said wait for payoff, they send me a bill for $9853.34 saying I "Voluntarily Repossesed" my own vehicle after only owing 2 payments of total $840. (Which I paid) Being totally shafted by GMAC LEASING!

2007-03-29 11:47:28 · 3 answers · asked by Anonymous

Was curious if anyone knows about wether or not a collection company can still charge you if the company you originally had the account with went bankrupt? Someone told me that if the collection agency has no way of getting a hold of the company that sold them the account then they can't prove any balance due and therefore cannot charge you or keep it on your credit report? Especially if they do not have an itemized bill with dates of service, right?

2007-03-29 09:48:20 · 4 answers · asked by Disneyologist 2

2007-03-29 09:07:16 · 1 answers · asked by Anonymous

My husband recently order some things with his credit card and the credit card company put the payments through twice which put him over his credit limit, he contacted them straight away, he found out that his account was not the only one this has happened to. For the last 3 weeks they kept saying they had sorted it out and he could use the card again but everytime he goes to use it, it gets decline they have even tried to charge him for being over his limit. How long should it take for this to be sorted as it is becoming frustrating phoning them all the time.

2007-03-29 08:23:59 · 5 answers · asked by Anonymous

Yes it really happen to me the banks know this person needs help he want me to pay taxs on it first.

2007-03-29 08:14:56 · 5 answers · asked by Burnett B 1

Credit Score help...Paid Collections

2007-03-29 07:48:15 · 10 answers · asked by bizzle 2

I got unemployed 4 years ago, and had a $6K CC that went to collections. I want to buy a house. All of my bills after I got re-employed are current and in good standing. Altogether I owe about 10k, 9k being student loans that are in satisfactory accounts. Still have collections reaging the debt claiming I owe them this money.

I am not interested in settling because 1) original creditor sold the account and 2) wrote it off as a loss. Me on the other hand am stuck with 7 years bad credit, as consequences of a lay-off. Down to 2 and a half years before the time the FCRA claims I can remove this off my report, 1 1/2 yr from SOL. The collection agency never bothers me, theyjust send me a stern letter twice a year.

So my question is - I almost have the downpayment I need for a small condo, and paying off the collection agency re-ages the debt and does nothing for my score, if anything it is kept longer. So can I still buy a house?

2007-03-29 06:31:46 · 4 answers · asked by Jess T 3

Okay i'm a 22 yr old bride to be. I ordered $126 worth of stuff from a website called favorfrenzy.com. I ordered it march 8th, 2007. I paid $20 extra to have it shipped in 3-6 days. It's been 3 weeks and i still have not gotten the package. I e-mailed the company 7 times and have gotten no response. I got my credit card bill the other day and there was a phone number on it, i tried calling it and it doesn't work. There is no address on their site or my bill. IDK what to do! I don't want to pay my credit card bill for stuff that i didn't get. I tried e-mailing them asking for a refund. I talked to my postal carrier and she said there was nothing she could do b/c they didn't give me any type of confirmation number for delivery. what should i do ??? should i call my credit card company??? what should i say?? please help!!!

2007-03-29 05:25:27 · 12 answers · asked by Anonymous

i have really bay credit. i dont know how much im in debt been in dept since i got a credit card at 18 & maxed it out & never paid it now i owe every1 $$$ from dentists & doctors gas & phone companies i even had a cell phone in my moms name. every time i say im going to file for bankruptcy every1 is like dont do that!!!! im now 23 & i cant get anything in my name because of mistakes i made when i was younger. im a single parent so i dont have alot of money. only people with real answers respond i dont want no smart remarks. please be detailed in ur answer all the info will be helpful thanx!!!!

2007-03-29 05:13:19 · 9 answers · asked by Anonymous

I owe 4,000 to a medical collection acct and they sent me a letter to sign agreeing on 100.00 a month. I signed it and made a copy. Then I sent it back. They have it listed as derogatory on my credit report. They are not willing to change it unless I pay the full amount within 2 days. Should I dispute that with the bureaus and send them a copy of the signed agreement and a copy of the check. Will that get it changed to pays as agreed. Please Help..... Thanks

2007-03-29 04:45:30 · 3 answers · asked by michelle 2

I have two different companies calling me regarding the same debt. I was told two different agenices couldn't do this. Where can i find more info regarding this to make them stop. Niether of them are the first company I told the loan with.

2007-03-29 04:26:47 · 4 answers · asked by Renee 3

SICK OF RBS AND WOULD LIKE AN ACCOUNT THAT WOULD GIVE ME CREDIT!
I DO HAVE A CCJ FROM ABOUT 4 YEARS AGO WHEN I GOT A LOAN AND THEN WAS MADE REDUNDANT 3 MONTHS LATER WITH ABSOLUTELY NO WARNING.
I GET A VERY DECENT SALARY NOW AND AM REPAYING THE CCJ BUT CANNOT GET EVEN A DEBIT CARD NEVER MIND THE LOAN I WOULD SO LIKE TO GET TO PURCHASE A NEW CAR.
WAS TOLD ALLIANCE AND LEICESTER WOULD BE ABLE TO HELP BUT CANNOT EVEN GET PAST THE BASIC CASH ACCOUNT WITH THEM.
WOULD EVEN CONSIDER A PAYG CREDIT CARD BUT BECAUSE I AM LIVING IN A NEW PROPERTY CANNOT EVEN GET ONE OF THOSE.
CAN ANYBODY POINT ME IN THE RIGHT DIRECTION PLEASE.
THANKS MARK

2007-03-29 03:11:38 · 3 answers · asked by Anonymous

2007-03-29 02:30:28 · 3 answers · asked by tracy c 1

I posted a question on here askin people if they knew how to get a personal loan and a man by the name of mr. walter cole responded back and said he would help me get the loan his email: is tandata_loan_company@yahoo.com does anyone know if this legit? I mean he didnt ask me for money but he said the bank approved me and to send my bank details so it could be wired to my account. Is this a scam or is it real. Please only serious inquiries.

2007-03-29 02:09:53 · 3 answers · asked by jaydi06 1