Credit - March 2007

2007-03-13 02:48:52 · 8 answers · asked by John S 4

2007-03-13 02:42:31 · 12 answers · asked by John S 4

i have a card from capital one using long time about 7 years ,i thinking to cancel it because interest rates too high 24.6% and need to pay annual fee $39 a year ,(at 2006 i got an other card interest rate is 9.99 and no annual fee)so i did not use my capital one card about a year from 2006 to now and right now need have to pay annual fee $39.(also i got dell perfect card about 2 year interest rate 25...% but no annual fee thinking to cancel it too)but my friend told me do not cancel because have a long credit history from my capital one card )my credit score is 640 no good right.
can someone know cancel it is good for me or not?
which card is good for build up my credit score?

2007-03-13 02:33:58 · 7 answers · asked by Anonymous

I have a job and everything and I want to but my dad says the legal age to do that is 18. Is that true, or does he just think I'm irresponsible and is just telling me that to prolong me getting an account?

2007-03-13 01:40:31 · 10 answers · asked by Anonymous

I've tried twice with debit card last month and once this month by internet banking.

2007-03-13 01:04:29 · 6 answers · asked by Anonymous

2007-03-13 01:01:54 · 10 answers · asked by Sophia 1

my partner left five years ago i now with my fiance and council tax want 2500 from years previous but wont take my offer im disabled so dont work but my partner does full time but not well paid so they passed to ballifs who wont accept less than 50 month what can i do

2007-03-13 01:01:35 · 7 answers · asked by Anonymous

I am looking at renting somewhere with my partner, but we are entitled to housing benefit so some of the rent will be paid by the council - will the company we rent from do a credit check? As my credit history is pretty bad and he hasnt got any credit history as never had a credit card etc? Are we ever gonna find anywhere!

2007-03-13 00:36:17 · 10 answers · asked by Anonymous

I am not really sure how it works.. but I am trying to get my boyfriend's credit back in order.. I did the free credit report thing.. and his score is not that bad, it's 607.. but he owes about 5 different agencies and it totals about $4,500.

Within those accounts totaling 4500.. there are 2 collection accounts and 3 delinquent. He has one on there from about 7 years ago also. I am new to this myself.. I'm 20 and learning all the nooks and crannies about credit and I want to know how to he can help out his credit now. THANKS!!

2007-03-13 00:20:06 · 4 answers · asked by Ally, THAT girl 1

I got three cell phones in my name. Which I gave to family since they all have bad credit. We made a verbal agreement in front of employee/friend that they will pay their bill on time. But they have not paid their bill yet and it is past due.

2007-03-12 23:50:37 · 11 answers · asked by Anonymous

2007-03-12 23:44:36 · 10 answers · asked by Lucy 2

2007-03-12 22:24:54 · 2 answers · asked by Becky K 1

I am wondering how to go about getting out of debt. Weather or not I should go through some kind debt consolidation place where you pay the company one fee a month and tey pay off your debts for you. Im only about 1500 in debt.

2007-03-12 21:37:29 · 3 answers · asked by Princess K! 3

2007-03-12 21:34:05 · 11 answers · asked by nickymcxx 1

2007-03-12 21:22:18 · 16 answers · asked by wendyflip23 2

2007-03-12 20:17:38 · 4 answers · asked by yp_des_coventry 1

After those are paid generally how long do they remain on you credit report????

2007-03-12 19:56:07 · 6 answers · asked by kenn g 1

Hi
I have got a credit card 2003, I lost the card in 2004. Now i am applying for the House load. They are telling i have a balance of 20,000 in my account. I dont have any records (Card No, Bank. Etc...). How can i trace the bank&my card no. They are telling they got the details from Credits bearu of india.

2007-03-12 19:51:23 · 3 answers · asked by K K 1

I'm a 24 year old male. I have two a bad credit history. I have late payments, two repo's, and a bankruptcy. My bankruptcy cleared everything. Now I'm debt free, except for a 16,000 dollar auto loan balance. I was approved for my auto loan right after my bankruptcy was approved. I am making my monthly payments on time. What else do I have to do to boost my credit score, and get back on the right track. I want to buy income properties someday, and will need to have good credit. Any tips?

2007-03-12 19:46:37 · 6 answers · asked by superlacop 1

Right now my credit rating is a little over 800. The only things in my credit history are 2 current credit cards. I am also about to buy a new car and am trying to figure out if it will be better for me in the future (when I am trying to buy a house) if I get an auto loan or if I just pay the car myself.

So if I get the minimum car loan, and just pay it off over 2 years, it will cost me around $478 in interest. So, assuming the fact that for like the next 3 or 4 years my credit rating were to remain the same, which would be better for my credit when I try to get a home loan? Is paying almost $500 now (well, over 2 years) to get an auto loans payments/history in my credit report going to benefit me or not?

If it will get me a lower interest rate on a mortgage I'll be all for it. If it won't make a difference, then I probably wouldn't want to spend the extra $500ish. Anyone happen to know? Thanks!

2007-03-12 19:43:48 · 6 answers · asked by tagnaldaoc 2

if i have a credit score of 670 is that good or bad?

2007-03-12 18:46:23 · 14 answers · asked by playboyleroy2002 1

more, is that enough? so they are going to wait until the end of the month to pull it again. that is what i meant about 1 point

2007-03-12 18:29:47 · 3 answers · asked by monkey_green_park 1

2007-03-12 18:15:19 · 7 answers · asked by Vincent H 1

how long does it take to get 1 point? we are surppose to close at the end of the month.everything else is done.

2007-03-12 18:00:51 · 2 answers · asked by monkey_green_park 1

If you are able to save some money and have in the bank around 15,000, Does SSD kick you off since they see you are handling your money well????

2007-03-12 17:56:29 · 4 answers · asked by David W 2

My bill must have been lost in mail because I never recieved it. I looked at the Washingtion Mutual Site but it gave me some address that doesn't sound like the right one. I don't want to get stuck with some bullshit late fees so if anyone with a WaMu credit card can give me the full address, I would appreciate it greatly.

2007-03-12 17:18:49 · 3 answers · asked by itscrucial 1

My husband had a credit card in his own name that i knew nothing about. He addes me as a secondary signor on the actt, also without me knowing. We since were divorced and both responsible for our own debts. He was recently disabled and unable to work and now the credit card company is coming after me for 17K in unpaid balance. It also should be noted that he forged my signature to all these transactions. Can i be in anyway held responsible for this??

2007-03-12 16:42:53 · 9 answers · asked by Anonymous

I've heard that once you pay off a credit card you shouldn't close the account to keep a good credit score. I've also heard that even though one pays off his credit card reducing the credit limit is also not a good option for keeping a great credit rating. What is the best way to handle this situation if you don't really want the card around to prevent you from running the balance up, but also don't want to hurt your credit rating. Is there any way to find out what exactly affects one's credit score?

Examples: Let's just say a website or book states something like filing for bankruptcy subtracts XXXX amount of points from your credit rating. Defaulting on credit card payments for XXX amount of months subtracts XXX amount of points from your credit rating. Paying off federal student loans adds or subtracts XXXX amount of points from your credit rating. Also is there anywhere that states how long certain things stay on your credit report?

2007-03-12 16:40:58 · 31 answers · asked by radioactive_babywipes 3

5 yrs ago, a hospital took us to court for an ER bill (daughter broke her leg).we had no insurance but was less than $100 over qualified for medicaid. we had no means to make payments, we have 4 children. anyway, the amount of $1500 was sent as a judgement on our credit report. now, after 5 yrs, we have a chance to clear up some credit, and thought we should take care of this judgement first. ok, if we pay off the hospital, can we ask them to remove the judgment? the amount is 80% of our negative credit. we had always thought that creditors shouldn't use medical against us, but oh, yes, they have! if the judgement is required to stay on for 10 yrs, why should we pay if it will have no effect? and, if anyone is asking, you will get sued in arkansas for unpaid medical bills, even emergencies! why we moved back to texas.

2007-03-12 16:34:29 · 2 answers · asked by Cindy 3

Is there some way I can get a loan for at least $9,000 - $20,000 with bad credit and not being employed? I already know about federal student aid, that is not what I am looking for.
Thanks for your help.

2007-03-12 16:33:50 · 10 answers · asked by Anonymous