Credit - March 2007

In August of last year, my boyfriend, a roommate of ours, and I went to sign-up for the gym. The only way my roommate could sign up was if he had a credit card that the gym could charge payments from. My roommate had just opened his bank account that week and had not yet received his card so my boyfriend agreed to put his card on the account temporarily but they would change it as soon as our roommate received his bank card. Problems arouse in the household and we ended up moving out. They never changed it and now my boyfriend got sent to collections for my roommates account at the gym. Is there anything we can do so that we don't end up paying for something that is not ours?

2007-03-14 12:38:26 · 8 answers · asked by Anonymous

Hi if I freeze all 3 credit reports. Can I still close a bank account??? Can I still open up a bank account???

I know this freeze on the three credit reports will prevent loans and new credit cards from opening up by anybody but can anyone help me with my two above questions.

Thank you.

2007-03-14 12:15:36 · 3 answers · asked by David W 2

for not great credit

2007-03-14 12:14:22 · 4 answers · asked by jaywill528 2

2007-03-14 11:53:15 · 13 answers · asked by Ryanne 2

Back in 2000, I lost my job and I ended up having my car reposessed. The money owed was on my credit as a negative for 7 years. It is set to roll off my credit this year. In the mail today, I received a letter stating that after 7 years, they have just now sent the money owed to a collections agency. Isn't this illegal? This seems to be a harassing technique set at purposely and maliciously marring a person's credit for longer than 7 years. Do I have any means of recourse, or because the first negative wasn't fully discharged off the credit, what they are doing is legal?

all help in this matter is greatly appreciated.

2007-03-14 11:51:36 · 4 answers · asked by kasstastrophy 2

I'm a college student who got a credit card a little less than a year ago. I spend a lot (around $700 a month) and always pay back the total in full before the due date. My bank has increased my credit line three times since because of my good credit.

So are there any additional advantages to having a good credit score than easily getting approved for credit cards and getting large credit lines? Does it also project to any type of loans (i.e. it is easier to get approved for a car loan with a lower interest rate) or something?

2007-03-14 11:29:47 · 5 answers · asked by Anonymous

Leaving for business in 5 days and would like to have a card for just travel. Have good scores and other cards so approval should not be an issue.

2007-03-14 11:29:08 · 2 answers · asked by mike d. 1

I own a business and before a sale I would like to know the customers credit limit. What software will allow me to do such a search? Thanks

2007-03-14 11:25:46 · 2 answers · asked by Anonymous

what is the best credit card to get with a 584 mid fico, i want to pay off all my debts and start paying the card off now that i can afford it? is there one with out an annual fee? i was told orchard bank? i definitley want to get an american express once im at 700? and how long will it take to get me there once i start paying off the debts?

2007-03-14 11:22:54 · 3 answers · asked by Tony M 3

I chose not to pay off the charge offs on my credit report but I am paying off the open past due accounts that are up there. My credit score is extremly low and I am trying to fix my credit so I can start investing in real estate, am I making the right decision by not paying off the charge offs and will another company come after me for those same debts.

I will like to thank everyone in advance for there answers but please only qualified people should answer this question. You will not only be helping me but thousands of others who reads this post.

2007-03-14 11:07:32 · 4 answers · asked by Want To Invest in Real Estate 1

Let's say I have a bill of 140 due on march 20th and I pay the full amount on march 15. But then I use the card again on march 18. Will that recent purchase on the 18th have to be paid on the 20th also? Or will that be on the next statement?

I have a citi college credit card by the way.

2007-03-14 11:01:44 · 4 answers · asked by This Is Not My Real Name 2

Now I know people say 7-10 years, but when does the clock start? Is it 7-10 years since the adverse inccident or 7-10 years after the last updated reporting onto your credit report?

2007-03-14 10:55:17 · 8 answers · asked by when and how 4

I am aware that there is a penalty for withdrawing before maturity but I'm not sure if it has effect on my credit report.

Thanks!

2007-03-14 10:51:49 · 6 answers · asked by Justin T 1

Within the past couple of months, I've been receiving several letters per week from credit card companies enticing me to apply. I have bad credit, got rid of all my credit cards eight years ago, and am still paying off old debt. Could these letters have something to do with the fact I bought a new car last fall? Should I apply for a card to build my credit back up? How would I know what company to go with?

2007-03-14 10:47:55 · 6 answers · asked by Anonymous 4

I have 5 accounts equaling $3400 in collections and no revolving credit. In hte next 3 months I am going to pay off all of my debt and open 2 - 3 secured credit card accounts. If I were to apy off my my debt and maintain low balances and pay on time for 6 months how much will my score improve. Oh yeah it's a 528...

2007-03-14 10:43:37 · 3 answers · asked by timmy78 2

Example, one mortgage broker said the score was 631. A day or two before I pulled it and all the agancies reported in the 580s.

2007-03-14 10:42:17 · 4 answers · asked by PlasticTrees 2

Is there anywhere you can check or call to ask? Thanks!

2007-03-14 10:23:59 · 4 answers · asked by yeager_renee 2

2007-03-14 10:10:09 · 4 answers · asked by ramtuff6928 1

I have history of bad credit, but over the past 4 years I've improved greatly. What can I do to improve my credit rating and score?

2007-03-14 09:51:57 · 21 answers · asked by whatugot 1

2007-03-14 09:48:42 · 7 answers · asked by exiletheking 2

I just opened my first bank account.

I was told that I have a $500.00 withdraw limit using ATM machines. But is there a limit to use my debit card. Like for instance I have $5000.00 in my checking account, I can only spend $500.00 a day? even for purchases?

2007-03-14 09:40:52 · 9 answers · asked by Anonymous

Like if I had $100 million, could I start one?

2007-03-14 09:38:19 · 7 answers · asked by jared 1

After much shopping around for the best interest rate for a used auto loan, I am now totally confused!! Can someone suggest the best bank to go with for this type of loan? Thanks for your answers! :)

2007-03-14 09:34:33 · 6 answers · asked by Anonymous

2007-03-14 09:09:03 · 4 answers · asked by David S 1

on my credit report it said this would be off my credit in dec 2007

2007-03-14 09:03:52 · 7 answers · asked by todd emery 1

I have bad credit, and Im trying to clean it up. On one of my reports its shows a specific date that the charge will be removed from my report, paid or not. I know there is a 7 year window for when things are taken off your report. Does your credit score go up if its removed from your report after the 7 years despite not having been paid?

2007-03-14 09:01:55 · 2 answers · asked by Lou-Lou 2

when im paying for something at a store, is there a difference if i pay with debit or credit.i have a checking account for bank of america. i know i worded this question badly. but any input appreciated.thanks!

2007-03-14 08:42:08 · 3 answers · asked by thehundreds 2

I have several accounts on my credit report that show the status as 'charge-off'. What does that mean? Is it a good thing to have a charge-off or is it bad?

2007-03-14 08:23:40 · 6 answers · asked by Tiff 3

We dont have any credit cards to start off with.We are not in debt at all.They are always calling so my hubby can get credit cards Agh it makes me mad.I've told them that hes Deployed,and they still call!!!

2007-03-14 08:19:39 · 6 answers · asked by Anonymous

This seems too good to be true. I don't know much about mortages but this doesn't seem right to me. Where do they squeeze you?

2007-03-14 08:14:57 · 6 answers · asked by Joe 4