Credit - March 2007

2007-03-13 08:28:47 · 7 answers · asked by roxie 1

I need a small personal loan of $4,000-$5,000 -- unfortunately, my credit is too new and the only thing on my credit is an account with my credit card company who i only had for the last 4-5 months. Even though they reported all my payments have been on time... my credit is still too new.

So I applied at American General, a loan company, and I took my mom to co-sign, unfortunately they still couldn't get me approved because her score isn't strong (I believe in the 570-580 range) so I am trying to find a place I can get a personal loan at to fix up my car so it run's.

Honestly, its frustrating cause I have to wait 2 years for most of these places as they tell me to build up enough credit... but then they tell me to bring a co-signer, I do, and they STILL can't get me one. My mom is my only source of co-signature... basically, where can I get me a personal loan with a co-signer with a score like my mom's and be able to actually GET A LOAN!!!!?

2007-03-13 08:28:25 · 5 answers · asked by Anonymous

Every website Ive been to, is saying there free but want my card info. I dont want to be charged after 30 days or better yet not give out any payment info. I want a free credit report. Does anyone know if there is such a thing?

2007-03-13 08:19:37 · 9 answers · asked by melissa w 1

Is there a website that I can see my credit score for free? Also,Someone told me that my score l will lower everytime I look at it... is that true?

2007-03-13 08:16:06 · 12 answers · asked by S 2

I need help bringing my student loans under control. I have a federal loan and SEVEN (smaller) private loans. Since graduation, they have never been all current at the same time, so I don't qualify for a consolidation loan. I can't stand dealing with the agencies, since they treat me like a cockroach, but I really need to bring everything current with one or possibly two payments. Sending $100 - $200 each for the private loans (the federal one is much more) is bleeding me dry and my credit is awful!!!!

Please let me know if you've been in this situation and how you got out of it (preferably without having to speak directly with those rude people who treat you badly).

Thanks!

2007-03-13 08:15:52 · 3 answers · asked by Who Knew? 4

merchant or agency that you pay will definitely delete the mark off your credit report?
Do you just have to take their word for it, or is there some way of guaranteeing they will live up to their word?

2007-03-13 08:11:20 · 3 answers · asked by Anonymous

I keep trying to figure my problem out, without telling all my biz. Ok, so I want to consolidate my bills. They are NOT credit card bills, however. They are bills that fell past due and came about when I was going through a VERY difficult time. It only comes up to about $1600 maybe a little more. Everywhere I go that helps people with these kinds of bills expects you to have like $2500 or more in debt. I don't have that much, but I'm a student, who lives alone, and if I pay what I've been paying on my bills I won't have them paid off until like a year or so and mean while I can't afford to save money or even move. I have NO emergency money, I feel strapped and stuck in a really bad cycle. I want to get some relief and some help, but it seems like my debt isn't severe enough!! Anyone know where I can turn??

2007-03-13 07:25:13 · 10 answers · asked by Anonymous

help

2007-03-13 07:09:58 · 8 answers · asked by p 2

Chase raised my limit to $4,000 on the terms that I spent $100/mo or kept an avg daily bal of $1,000. Normally, it's not a problem since I use this card for gas and pay it off monthly, but one month was the month my son was born.
- according to the monthly recap I spent $95
- according to THEM it was $51
- I looked at the bills and one transaction that occured during the billing cycle was forward to the following bill (which I had no way of knowing) - that would've brought the total to $97

My primary complaint is that due to the birth I charged about $600 worth of stuff (car insurance) since we were running low on cash. They dropped my limit w/o warning causing me to have over 65% of my limit used.

They ran a reg. request to raise my limit and it was denied because of the recent change in the limit. I've sent a few letters, but they keep telling to me (standard responses) to apply for an increase.

How can I get them to raise my limit?

2007-03-13 07:05:01 · 5 answers · asked by reandsmom77 6

2007-03-13 06:54:08 · 4 answers · asked by D 2

I have the worst credit in the world( this is seriously bad) My score is some where below 520. At the current moment I owe about 35,000 and have 2 repossed cars.

Someone Help me.

2007-03-13 06:38:38 · 12 answers · asked by K.D. 2

Is it instant?

2007-03-13 06:16:20 · 6 answers · asked by PlasticTrees 2

I dot want to take another loan to consolidate, but would find it easier if i just had 1 payent a wk/month

2007-03-13 06:08:59 · 27 answers · asked by klairgell 1

I spend a lot of time in the US (about 3 month a year), but I'm not a resident. I have two addresses that I can use, and did for years. I have an Social Security card ( not valid for work) but tried to open bank account and make a driving license but hit the wall. I would love to spend even more time legally in the US, that's why I care about my reputation. thanks

2007-03-13 06:07:55 · 4 answers · asked by Lucas 3

Hi,
I recently scored a 850 credit score - according to TransUnion. They say I'm a "B" because the new scores now go up to 990.
I want to get a higher score. I pay all my bills but I have too many unused credit cards. Two months ago I stupidly applied for a new credit card to get a discount. If I close this account today, will that raise my credit score, or lower it?

2007-03-13 06:05:08 · 6 answers · asked by Vivien 2

I already receive a student loan from SLC, but need additional loan

2007-03-13 05:51:53 · 4 answers · asked by Kal 1

I'll try to make this quick and simple. Husband has a couple of past debts. He has a non profit company taking care of them by paying a mothly payment and the company sends it. Keep in mind that he hasn't paid anything in a loooong time and is trying to get everything satisfied now.

Once we close on this house he is paying these debts off in full. He called the one attorney representing one of the creditors and told him that he wanted to pay the debt in full once we close on the house and wanted a print out of the full pay off. The attorney sent the payoff print out and is continuing to receive the monthly payment through the nonprofit company.
Anyway, we have had to file two extensions on this house. It has been in the family that is selling it for well over 100 yrs & some redtape has popped up. It will close, it's just taking longer. This attorney said that he is planning on garnishing wages if we don't get this paid in full right away. I think he is full of crap. Is he?

2007-03-13 05:36:29 · 5 answers · asked by zinntwinnies 6

2007-03-13 05:35:50 · 5 answers · asked by Looking4ansas 1

I know how to get a free credit report, but they say if you want to know your score you have to pay a fee.

If I'm applying for a mortgage can I ask the lender what it is? I just got pre-approved and all he said was it was "excellent."

2007-03-13 05:28:06 · 4 answers · asked by gobanana516 4

i thinking to apply washington mutual credit card or HSBC,which one better?

2007-03-13 05:16:15 · 6 answers · asked by Anonymous

My husband and i are looking to buy our 1st house but his credit is not all that great and i dont have credit at all--anyone know who we can go through to get out loan?

2007-03-13 05:03:38 · 8 answers · asked by Ayden's Mommy 3

I got a check yesterday and when ripping the envelope accidently ripped a part of the check as well. It didnt rip in 2 parts, but a few more centimeters down and it would have. So any bankers here can you tell me will the bank accept this check?

2007-03-13 04:34:36 · 6 answers · asked by Anonymous

2007-03-13 04:24:57 · 8 answers · asked by mookie 1

What does this mean? It then went on to list the three main credit companies as though they checked all of them. Is this bad?

2007-03-13 04:23:19 · 2 answers · asked by ~*Girly Girl*~ 1

There is sapose to be an address, when applied to will stop these credit card offers.

2007-03-13 04:22:10 · 6 answers · asked by Anonymous

2007-03-13 04:13:19 · 4 answers · asked by ~*Girly Girl*~ 1

I am in the process of cleaning up my credit so I can purchase my first home. I paid off 2 outstanding balances. how many points will my score go up. how much points do you earn for each paid off balances. one balance was for $250.00 the other was $690.00 The one for 250 will be deleted completed. any ideas?

2007-03-13 03:56:06 · 4 answers · asked by KinWin 5

Me and my boyfriend stayed at a hotel in London last week and they wanted a photocopy of his credit card "for I.D" or something like that, so he gave thim it to photocopy it..Was that a daft idea?
I think it was..

2007-03-13 03:40:24 · 7 answers · asked by Anonymous

I was just wondering if there is a maximum amount of money you can pay company over the counter at a bank?
i want to pay a company £800 , can i do this, or is that too much money to pay using the slip they provided me with
sorry if i dont make sense!

2007-03-13 03:08:37 · 5 answers · asked by Jemmax 6

Ive used ebay loads but has a slight break for a while, when i used to pay by paypay it used to clear straight away and the seller would send item straight away. Now all of a sudden the past 2 times ive bought stuff the payment hasn't cleared for with the seller for about 6 days so i dont get what ive bought for ages! How is this fair? I thought that was the whole point of ebay! Is it something wrong with my account or other peoples? My card expired a couple of weeks ago and i had to update that with ebay but surely that cant have anything to do with it? Thanks

2007-03-13 03:01:21 · 8 answers · asked by foxylovablegal 2