Credit - March 2007

I know you have to pay an admin fee which includes any paper work and a credit check, so if you fail the check you dont get to rent the property. Isnt renting property more likley to be for people who cant get a mortgage due to circumstances like bad credit etc? Which would mean you wouldnt have many options.

2007-03-19 05:59:23 · 10 answers · asked by Lolly 1

2007-03-19 05:47:01 · 9 answers · asked by texasgirl 1

Saying I owe them almost $8400.00 I had an account with $0 balance which I closed years ago. I got my discover card in 1997. How can I have 2 accounts? They say I opened one 1989. They have 2 different account numbers. The orignal account was opened in 1989 and was being used until 1998.
PS the collection agency that sent the letter is National ActionFinancial Services, Ltd. Very rude people I wanted to dispute and they hung up on me? I need free legal help Please....Any suggestions? Please

2007-03-19 05:02:10 · 15 answers · asked by The JRTs will rule the world 3

I have been really trying to pay down my credit cards but no matter what I do it seems they raise the interest and re evaluate my payment every month!!!! My minimums are in the hundreds and it is draining me.
I got turned down by 2 banks on consolidation loans and I am at wits end. I have written to the companies, called, spoke to supervisors. I have good payment history except for 1 or 2 mistakes last year. It is horrible now.
Any advice?

2007-03-19 04:59:49 · 3 answers · asked by Ann 5

I don't understand why student loans should be added to a student's credit report, doesn't that seem unfair, especially since students don't have a lot of credit, but will likely end up with student loans (debt) while in school. So, I wanted to know if it is fair practice for credit report agencies to report student loans as part of credit report/determination. Any input is appreciated.

2007-03-19 04:39:42 · 10 answers · asked by QueenieA 1

Won't pulling a credit report like I do for myself cause a bad mark on my child's credit history? Also, will this start my child's credit file if one didn't already exist?

2007-03-19 03:59:51 · 6 answers · asked by pwagner22 2

My ex owes a credit card company. She won't pay, Now they are calling me at work and hassling me. I have told them I will not pay. The lady at the collection agency is getting a kick out of hassling me at work and causing me problems with my job. My supervisor has told me to "solve the problem -- I don't want that woman calling anymore!" which is exactly what the collection agency wants -- they want to cause me problems at work so I will just pay up!

Help -- how can I make them stop calling me at work???? Need help fast, my job is on the line.

2007-03-19 03:55:57 · 8 answers · asked by Anonymous

I was ignorant going into this and I think I might be screwed.
Has anyone any experience with this loan? It is an ARM and will go up soon.
Has anyone had trouble re-financing because housing values have dropped?
How much does it cost to refinance?

The thing is, I probably qualified for a better loan, but I didn't understand the credit score and I am trying to learn about it now.

2007-03-19 03:55:45 · 3 answers · asked by Deus V 2

has anyone gotten a loan from him i was gonna do it a while ago and didnt now im in worse shape but my credit is really bad and need a loan asap! he sent me a business certificate is their a way to make sure this is legit or should i just pass?
are their any lenders in the states that help with BAD credit?

2007-03-19 03:46:33 · 0 answers · asked by jmcgraw1975@sbcglobal.net 3

I have a credit card with Orchard Bank . They swiped my payments back in January through my savings which I had $0 in. Making the payments return now the balnce is $754.00 and the payment is $109.00. I am thinking about canceling it ... I don't know I mean it isn't my fault . My mom thinks I should pay the $109 ... I don't.

2007-03-19 03:41:29 · 6 answers · asked by Anonymous

I have a 380 dollar car payment my grandmother co-sign for me, will that go on my credit or hers?

2007-03-19 03:00:36 · 7 answers · asked by Lora 1

Does anybody know how i can open a bank account quickly. Im am due to get paid on Friday but i gave my partners bank details as i closed my account a couple of months ago and we just shared the same account in his name. then my work only told me today that i cannot use his bank details. Ihave been told that it takes at least 2 weeks to open an account but i need it by this Friday!! I cannot be paid by a cheaque so i really need an account by friday!!
Any suggestions please!!!

2007-03-19 02:21:28 · 9 answers · asked by Anonymous

I feel foolish for asking, but hypothetically, if I was x amount of dollars in debt due to college loans, will my new husband take on that debt? Will it reflect in his credit score or taxes? How will the college loan debt collectors know I am recently married unless I tell them? Thank you for your mature answers.

2007-03-19 02:11:40 · 17 answers · asked by wrtrchk 5

2007-03-19 00:57:50 · 15 answers · asked by Anonymous

Having a credit check carried out by the letting agency which im applying for to rent a flat. Worried about failing the credit check, does anyone know how far back they check when doing this and what thay are checking for?

2007-03-19 00:46:54 · 11 answers · asked by Lolly 1

I've got us into serious debt and are letting Debt Free Direct help us sort this out, but they keep changing their minds as to whether an IVA is suitable for us or a remortgage. We are both 50 and in full time employment

2007-03-19 00:38:44 · 9 answers · asked by misticmos 1

unsercured credit has got out of hand due to husband coming out of work and cant catch up,
has any one had on of these are they expencive
, and can you recomend any companes in UK thank.
beofre husband came out of work we were fine, but he was off work 4 weeks and thing just got out of hand cant seem to catch up

2007-03-19 00:28:26 · 3 answers · asked by Anonymous

i dnt knw if they can steal ur money,can they? pls i need decent answer

2007-03-18 23:44:17 · 5 answers · asked by Anonymous

I am really interested in renting a property which I went to view at the weekend. The agency have said that as well as supplying two professional references I have to have a credit check done if I fail it I will still have to pay the £100 admin fee. Will this be a proper credit check, like applying for a loan or a mortgage?

2007-03-18 23:23:52 · 10 answers · asked by Lolly 1

What are the chances of having a credit card company file a judgment aginist me for non payment?
They are unsecured credit cards,and I have no assets.
Some of the credit card companys have sent them to collection agencys.
I understand that this my mean they are about to give up???

2007-03-18 22:54:39 · 9 answers · asked by Anonymous

Our credit is really bad and we owe around $9000. on a car that just went bad. We think it might be the engine but don't have the money to get it checked out. I'm trying to get a job to help my husband out with the bills but it's hard since we only have one car. We have already got ex. on our car payments so we could fix something else at the time that went wrong with the car. We are praying that nothing happens with our other car because my husband works an hour away. We so live from pay check to pay check. Do you know of any body who would loan us enough money to get the car fixed? We filed bankruphys about 5 years ago. I know we can't trade the car in for another one because of our credit but not now that there is something wrong with it. We don't have anyone to borrow the money from. We don't care to keep the car we just want to get it fixed so we can get another job.

2007-03-18 22:08:58 · 3 answers · asked by dolly hunt 1

2007-03-18 21:07:27 · 8 answers · asked by nickpark21 1

My mortgage company wants to foreclose. Due to Hurricane Karina, I lost my job and couldn't make several payments. They are asking for $5,000 to bring me current, but I can't get a loan as my credit isn't all that great. Where can I get help with my credit? Please help someone!!!

2007-03-18 19:02:35 · 7 answers · asked by Samantha J 2

After cancelling a credit card...how long does it stay on your credit report. Will it just state that the account was closed in good standing? How long will someone be able to tell that i even had a credit card with that company. Thanks

2007-03-18 18:48:59 · 3 answers · asked by KOOSE 2

A company I'll call CA1 has my account listed as "account transferred/sold, charge off" on my credit report. I called CA1 to request info on this account and was told that it had been sold and to whom. I them called the new company, CA2, and after receiving an agreement in writing that they would not report, paid them off in full.
Since CA1 no longer owns this account, does this *have* to be deleted when I send in my request to the credit bureaus?

Everywhere I've looked for info this particular area seems vague, any help would be appreciated.

2007-03-18 17:48:43 · 2 answers · asked by butterfly 2

2007-03-18 17:38:16 · 7 answers · asked by kimwez21 1

My score is just around 600. I have just paid off 3 collections, a charge-off, two judgments...(all of my bad debt), and I have two credit cards (6 months old with low balances), and a secured loan for 1000 with a balance of 900. Will paying off all my bad debt help my score anytime in the near future?

2007-03-18 17:22:31 · 1 answers · asked by spdwy808 2

what if a credit card holder dies?what will happen to his/her debts on the credit card?will the credit card issuer going to pursue their claims on the balances?or will the debts be terminated already f such incident happens?

2007-03-18 17:08:55 · 8 answers · asked by ian g 1

hi! just wanted to know whats up with the OVERDRAFT plan that comes with wamus debit card.

do they pay for your overdraft fee?
or for example if you went over $20 they'll pay the $20

i just dont get it and i need help because i want to open an account

thanks!

2007-03-18 16:57:26 · 5 answers · asked by ky1a 1

2007-03-18 16:36:54 · 6 answers · asked by meme 1