Credit - March 2007

When I pulled my credit report today I noticed that it only listed two years of payment history. Is that all that is seen when someone else requests my report?

2007-03-15 04:27:38 · 5 answers · asked by Michelle 2

I'm seriously considering working w/ a debt consolidation company, and just wanted a rough idea of how much ppl have paid or are paying... and how long it took you to get out of debt?? any answers are helpful!

2007-03-15 04:26:29 · 6 answers · asked by chi_twnchica 3

2007-03-15 04:20:07 · 3 answers · asked by dadspost1146 1

Most of our bills are in his name alone, although some are in mine--they're usually frivolous things that I shouldn't have signed up for but did. I can't afford to pay any of them off or back, we're so strapped we're barely able to pay the important things (rent, car, insurance, food, etc.) let alone pay for my Church movie group subscription (which is a 2 year contract, and I have to pay $200 to get out of it early), etc.

I'm still not clear on how a bankrupcy works, but I was told I ought to consider it.

But on the other hand, my husband has a decent credit score, and is very, very opposed to bankruptcy because of what it might do to his score.

But aren't our credit scores seperate??

I don't know how this works... Could you enlighten me?

2007-03-15 04:19:13 · 5 answers · asked by ? 3

Now I have a car loan, can I use that to re-establish my credit and raise my credit score? Does anyone know how long it will take?

2007-03-15 04:15:28 · 14 answers · asked by pleasure6910462 2

2007-03-15 04:11:51 · 2 answers · asked by niecey 1

2007-03-15 04:03:07 · 6 answers · asked by Emarie w 1

what are the benefits of having an ATM??

2007-03-15 03:57:04 · 4 answers · asked by kathleen j 1

2007-03-15 03:35:42 · 2 answers · asked by Gio 1

IM IN CHEX SYSTEMS FOR THE LAST YEAR, CAN SOMEONE PLEASE TELL ME A BANK THAT I COULD GET

2007-03-15 03:33:23 · 6 answers · asked by Anonymous

My question is, what do I do first -

Do I go to my credit union first to get pre-approval for a loan then go to dealers a price the car I want -

-OR-

Do I get a bunch of different quotes from dealers, then after I found a price I like, I go to my credit union and get approved for the loan.

I personally thought that I would do the second, but considering I have never bought a car before I would like to know if I am correct before I proceed.

2007-03-15 03:31:47 · 8 answers · asked by What Do I Know? 3

I have been paying on a court judgement for three and a half years. on a repoed car. The initial amount of the judgement was 6,0000.00 plus attorney fees $1600.00. anyway after paying $4,000.00. I now owe 11,100.00 I was told all of my payments went towards intrest. I know Im beeing riped off I just don't know what to do about it. Any suggestions? The collections agency sent me a payment summary showing my monthly payments. Also is there a way to pay a minimum without having your bank account frozen or garnished

2007-03-15 03:25:27 · 2 answers · asked by Anonymous

My husband and I are struggling to pay our mortgage, two car loans, consolidation loans, two credit cards, student loans as well as medical bills for new baby. Should I see someone in a CCCS organization, or just try to stick it out for as long as I can? Our debt to income ratio is now 74%, by the way.

2007-03-15 03:24:28 · 10 answers · asked by luvlandon2006 2

Moral issues aside, the bank had refunded my bank charges, but not the statutory interest. After filing in court etc they have now paid the charges again plus the outstanding interest. I believe that I read somewhere that after 5/10 days I can keep it, is this true, or shall I just ring my incompetent bank and tell them their mistake?

2007-03-15 02:47:43 · 28 answers · asked by lisa_m_preston 2

i want a credit card to repair my credit rating

2007-03-15 02:28:28 · 17 answers · asked by bob.xxxx 2

Right after Christmas, my grandpa died and since I helped financially for the funeral and gave some to my grandma, I had to pinch to make my credit card payments...before I got my bills my landlord raised my rent... I had to put all that pinched money up for rent! And have since missed a few payments on my credit cards.... Terrible I know!
Now my payments are more than I make in a paycheck! I have cut up my cards about a year ago and have been working on paying them off since. I don't have much debt in the cards. only about $1,200 between the two of them. I manage my rent, cell phone, and school loan payments just fine. The only problem is the credit card bills. I was thinking about trying to consolidate them... or taking out a small loan just to pay them all off so the interest stops getting me. What do you suggest? Am I thinking correctly?

2007-03-15 02:18:48 · 8 answers · asked by aslongasitrocks 5

2007-03-15 02:01:14 · 10 answers · asked by Anonymous

If you owe a credit card company £4,000 and you write to them and offer them a settlement amount of £1568 and ask them to accept this as full and final payment of the amount outstanding and write off the remaining, is this usually accepted? Does anyone know anything about this and how it works? Anyone out there work for a bank who actions this kind of thing? Your help would be greatly appreciated. Thanks

2007-03-15 01:56:02 · 10 answers · asked by Anonymous

What would you suggest for her to do? She wants a car for about $10,000-$15,000 no extras. will she be approved for credit with the cash she has? In the past her car loans have been paid, but the credit cards haven't, there has been a problem with those. She's recently has just recieved a few good marks on credit record for recent payment on school loans. Any advice or ideas for her? Could she be turned down?

2007-03-15 01:42:15 · 4 answers · asked by JBWPLGCSE 5

For people who are just trying to buy a house and not refinance it? We are looking at a $400,000 brand new home and they payments on that would be about $3,000/mo.

How come there is such a HUGE difference in payments???

Is it possible to go the regular way of refinancing and then 6 month down the road, refinance with the other company and save a heck of a lot more money? Or am I missing something here?

Please help, we are first time buyers.....

THANK YOU!!!!!

2007-03-15 01:20:20 · 5 answers · asked by Anonymous

I cancelled a standing order online i'm pretty sure at least 2 days before the standing order was due out of my account. When I cancelled the standing order there was no notice saying how long it took and was instantly taking off my standing order list so i persumed that it had been done straight away. However, after checking my account they have charged me £38 for an unpaid fee. Is there a way of checking when i cancelled the standing order or will i need to ring Natwest to find out?

2007-03-15 01:16:19 · 8 answers · asked by wardy_121 1

2007-03-15 00:01:59 · 3 answers · asked by Sinead R 1

2007-03-14 21:27:46 · 11 answers · asked by Anonymous

I don't have anything else in my name. I have applied for Visa, Old Navy cards , and gas cards. Can not get approval. I do have hospital bills that have a grand total 2500.00. Is this stopping me from getting credit cards. How can I build my credit.

2007-03-14 21:08:32 · 8 answers · asked by pinkkidsclubbing 2

is there anything else which would be stopping my husband from getting a basic bank account.

2007-03-14 21:06:36 · 18 answers · asked by Anonymous

2007-03-14 21:06:31 · 6 answers · asked by gs 1

in other words, do i have to pay a collection agency, or can i just pay the original amount to the original creditor?

2007-03-14 20:41:58 · 3 answers · asked by chaz_carsten 1

Hillis v. Equifax Consumer Services, Inc. and Fair Isaac Corp., Case No. 1:04-CV-3400 (USDC, ND GA) and Slack v. Fair Isaac Corp. and MyFICO Consumer Services, Inc., Case No. 1:07-CV-314 (USDC, ND GA)
A FEDERAL COURT ORDERED THIS NOTICE. THIS IS NOT A SOLICITATION FROM A LAWYER. THIS IS NOT A SOLICITATION FROM EQUIFAX OR FAIR ISAAC TO PURCHASE ANYTHING.
PLEASE READ.
You may be eligible to receive a benefit from a class action settlement if you purchased, paid for and received a credit score or credit monitoring offering from an Equifax website (Equifax.com), Equifax entity, Fair Isaac website (myFICO.com) or a reseller of the Suze Orman FICO® Kit between November 19, 1999 and February 8, 2007.

2007-03-14 19:26:36 · 5 answers · asked by CVR 1

Banks extend loans - I want a complete flow chart on the steps to be followed

2007-03-14 19:07:11 · 2 answers · asked by gantalaa 1

I'm trying to get approved for a 15,000 loan BUT they wont give it to me BC they said I dont have any credit! WHAT SHOULD I DO?

2007-03-14 18:39:07 · 6 answers · asked by Anonymous