Credit - March 2007

How long does a judgement stay on your credit report in Ohio I have a judgement from my old credit union and my credit report says it is to come off in september but can they extend it for any reason I never paid it and someone said not to because they will get another 7 years I dont know what to do .

2007-03-11 14:12:58 · 3 answers · asked by Anonymous

I am looking to get a car loan from my credit union. The strange thing was that the credit union got higher scores than when I pulled my own credit report from both Equifax and Experian. I pulled my report the day after the credit union did. Was wondering if the credit union uses a different type of "score" when pulling for a car loan.

Thanks in advance.

LC

2007-03-11 13:42:18 · 4 answers · asked by LCJC 2

2007-03-11 13:37:52 · 6 answers · asked by jeremy l 2

I am international student studying in USA. I get a social security number for work.

This year I am supposed to receive W-2 tax form, however, I cannot receive it and the sender also cannot get back the return. As you may know, the W-2 form contains my whole social security number. I am so worried that someone will misuse my SSN for other purpose.

Then, I try to get a credit report online. Even I type my SSN, it is still not available. I am so worried whether there is a problem.

Well, for me, I don't have any credit cards, loans, house mortgage, car and I don't need to pay any bill. What I have is just saving account and check account. My first question is---Can i get a credit report??

Second question---what can someone do just with my social security number?? Can they apply loan, credit card..etc.??

Thanks.Urgent!! I am so worried and sad.

2007-03-11 12:46:18 · 3 answers · asked by K.F. C 1

I'm kind of upset because I've had stellar credit score for over a year now, and then some stupid company with their trial product that you can return if you don't like it decided to ding my credit report with a collection notice despite my having returned the product.. What should I do help?

2007-03-11 12:42:56 · 4 answers · asked by MM 5

I have a few overdue bills that are being taken care of through collection agencies. So far, I have had no luck in getting a credit card; even the easy to get gas cards etc... Is there something I can do? I am very wet behind the ears when it comes to the concept of credit. Many thanks.

2007-03-11 12:34:48 · 5 answers · asked by gatherusin 2

I am looking for an unsecured personal loan between $10,000 and $15,000--but I have past bankruptcy and a low credit score. I have researched and only found the same companies that keep turning me down or companies that want a fee to help me find a loan. Are there other alternatives to these? NEED HELP PLEASE!!!!

2007-03-11 12:09:06 · 10 answers · asked by Silver S 1

Do they use the average, the middle one, consider all three?

Also, I have a 30-day late and a collection account from early 2001. When will these go away?

2007-03-11 11:44:14 · 5 answers · asked by poonie 3

I keep trying to sign up for these on line jobs and, they keep saying it's free.But they want a credit card from me and I don't have one!! So how can I get signed up with somene and start making $????

2007-03-11 11:37:20 · 3 answers · asked by momof5 1

2007-03-11 10:52:55 · 11 answers · asked by Anonymous

The cards which were included in the bankruptcy were not taken off report ,so it looks like I still have lots of unpaid credit cards and a mortgage.

2007-03-11 09:46:58 · 8 answers · asked by cricketanne32002 1

2007-03-11 09:20:58 · 4 answers · asked by fidget 1

and the apr is 31%,,we borrowd 5k,,,is it possible to take out another loan at a better rate and pay the 1st loan off,ps we are in the uk,,,thanks for any help

2007-03-11 09:10:15 · 12 answers · asked by Anonymous

Hi,
im currently involved in an i.v.a. which i pay so much for 60 months then my debt is cleared.
After 60 months the rest of my debt is wiped clean.
I was just after advise if anyone knows what would happen if i missed some payments to my i.v.a.????

2007-03-11 09:07:28 · 5 answers · asked by Anonymous

It's a creditor assosiated with 53 bank. It's a long story, but I don't believe the charges from the bank are correct. In fact Im sure a court would side with me. Anyways they sent my account to a collection agency who calls me 3-5 times a day MTWRFSS. Every single day, never a break... This can't be right. What can I do please. I'm not even sure if the credit agency will give me their address.....

2007-03-11 08:55:53 · 5 answers · asked by phantomknightlad 2

I have a couple of accounts that were in write-off but i paid them over 1 year ago. i have 1 account in collections that i do not remember at all. i read on website site that the statute of limitations for my state is about 5 years. all those items were placed on my credit report in 2001 and 2002. those accts that i paid off are still on my credit report as a negative. Can i call these collections agency and ask them to remove all those items on my credit report because it has exceeded the statute of limitations?

2007-03-11 08:50:24 · 3 answers · asked by ***I Love Anara*** 2

How long do dismissed bankruptcys stay on your credit reports? I heard 7 years. Notice I said (dismissed). Dismissed in different then discharged. Dismissed means the judge dismissed for some reason and are not the same as a discharged bankruptcy.

2007-03-11 08:23:35 · 8 answers · asked by christine s 1

2007-03-11 08:20:36 · 5 answers · asked by christine s 1

2007-03-11 08:16:41 · 6 answers · asked by MR 1

very bad credit own house that's paid for need repairs ,and cash to fix up credit.

2007-03-11 07:24:35 · 7 answers · asked by Anonymous

And worry now because the purchase hasnt been posted. Besides canceling my card what i can i do to make sure everything was honest with the purchase. Afraid the person stole my card number.

2007-03-11 06:47:36 · 3 answers · asked by jerry w 1

local bank turned us down, only need $25,000 on home that
has no mortgage and will appraise for at least $45,000.
late payments were over a year old bankruptcy is 5 years old

2007-03-11 06:43:13 · 3 answers · asked by Anonymous

companies or do I need to add the collection agencies too, who have sent me letters?
Thank you!

2007-03-11 06:39:53 · 4 answers · asked by Dave 1

I was just wondering if anyone knew of anywhere in canada that I could get a loan with bad credit history and with direct deposit

2007-03-11 06:26:01 · 0 answers · asked by Anonymous

2007-03-11 06:03:38 · 5 answers · asked by swimmer 1

I have a credit card that is maxed out and since I didnt have a job for a while last year, I was late for a couple months on the credit card. They change my APR from 14% to 28%!!! There is no way to get my balance down because the balance is so high....are there any options to get it lowered?

I tried calling the customer service number and they told me I would need to talk to a personal banker (since my credit card is through a bank) and see if they could reduce it. I dont know what else to do!!! Just from being late 3 times, noone will give me credit and there is no way to pay down on this...help!!

Does anyone know goodwebsites to go to about this?

Thanks!!

2007-03-11 05:58:06 · 5 answers · asked by Lovely Lady 2

is there a credit card that if i put up some money they will give me a set credit amount then after paying off purchases after so long they will extend me more credit. im looking to put up to 1k in cash and hopefully be up to 5k or so in credit within a year is this possible. i dont have a steady job (student) (self employed usually paid in cash) and my credit score is not the best

2007-03-11 05:43:08 · 2 answers · asked by lastmohican1971 1

2007-03-11 05:37:47 · 3 answers · asked by Charles R 1

2007-03-11 05:05:33 · 8 answers · asked by lilricanmami808 1

Me and my other roommate give her our share of the rent and then she writes the rent check to Long and Foster. She wrote a bad check this month. All of our names are on the lease. Is this going to affect my credit, even though I didn't write a bad check?

2007-03-11 03:49:11 · 4 answers · asked by gobanana516 4