Credit - March 2007

I have recently paid off some negative accounts on my report and was wondering how long or what happens to your credit standings once the account is paid?

2007-03-28 06:11:03 · 5 answers · asked by Authentic 3

of the 3 reporting companies, transunion, equifax, and experian, which one do companies look at the most to determine your credit.

2007-03-28 06:08:39 · 4 answers · asked by Authentic 3

I have some negative accounts on my credit report that are due to come off this year. What will happen to my credit score after they come off. I am in good standings with the accounts that i have open.

2007-03-28 06:06:22 · 4 answers · asked by Authentic 3

I am planning on purchasing an '07 Scion TC soon. I have excellent credit and was wondering what APR I should expect when dealing with car salesmen.

2007-03-28 05:31:45 · 2 answers · asked by True Merr'Kin 2

http://www.ftc.gov/bcp/conline/pubs/tmarkg/loans.htm
Charging an advance fee for a loan is illegal in the US and in Canada. What are the laws like in other countries (for example, the UK)?

2007-03-28 05:31:33 · 4 answers · asked by Matti 4

My fiance has a Bank of America credit card. There's a $7500 limit on the card but after finance charges, late fees etc, the debt is now at $8900. She went 120 days late on payments and was called by Card Services, they say they're a collection division of Bank of America. They offered her settlement in the amount of $4500 rather than the $8900 on the card. She thinks its a deal because half the debt is "vanishing". We checked her credit report and she isn't listed as being in collections just extremely late on pay. I argued with her saying that the settlement is bad and that it will affect her credit for years to come but she thinks its a good plan. We're planning on looking for a house in a year and a half and i don't want this to affect our buying power. So how does settlement effect her credit? Does paying off the full amount rather than settling look better on your credit report even though the account is past due? What should we do, who's right here?

2007-03-28 05:28:46 · 4 answers · asked by Greg O 3

Okay, here's my issue. I defaulted on a loan once but I have since paid it off. But for two years after paying it off, the company have not done anything to report that I've since satisfied that. I even have the letter from the court dating two years back signed by their own lawyer that I have paid everything in full. What should I do? I haven't been able to apply for financial aid and stuff because I kept showing up defaulted for the last two years when I should not have been.

2007-03-28 05:19:37 · 4 answers · asked by PuzzledGuy 3

I heard there are companies that will clean your credit.

2007-03-28 05:16:07 · 6 answers · asked by Anonymous

Can you give me details like what they require for downpayments and requirements for income? Any advice would be appreciated. Thanks in advance

2007-03-28 05:01:44 · 7 answers · asked by DGBrandy 2

if i try to get more credit on my credit card ( like from 1000$ to 1500$ ) and get refuse , will it give me a bad note on my credit report? cause i have a really good credit but want a bigger credit on my card but i'm scared that it will affect my credit report.

2007-03-28 04:57:09 · 3 answers · asked by marcnancy1 4

I have a car payment that I pay every month on time, and I lost my job in December and called my finance company, told them the news and they said i qualified for a "deferment" Basically i skip a payment and they attach it on the back end(meaning when my car payment is paid, i make one more payment)......Do they report that ?

2007-03-28 04:33:28 · 5 answers · asked by gsxr650 3

Verizon won't remove their account off of my credit report, paid the bill in full directly to them not collections, I called them to verify that I paid, they said I have a ZERO balance, and that my credit score was dropped because of a "trimadge" credit report or w/e its called, I had a mortgage loan and it was cancelled when they say the verizon account (which showed up 3 times), verizon told me that was a trimadge report, and that they i had to pay them in full to remove it. I did and now there not removing it they said they will notify them that it was paid and it will show up as PAID and they will not remove it!! Because of this I can't get a home loan, can someone please help me out, I don't know what to do?. THEY LIED TO ME I paid them in full and now there not gonna remove it from my report! HELP!

2007-03-28 04:22:00 · 4 answers · asked by Anonymous

I haven't paid my leased vehicle in 4 months... almost 5. I hear if you it gets repoed you can't get it back... is that true?

2007-03-28 04:09:28 · 4 answers · asked by Juanita C 1

2007-03-28 04:03:14 · 3 answers · asked by Anonymous

I have a check card(debit) with the mastercard logo on it. Sometimes they run it as a debit and sometimes as a credit card. As long as it has the visa or mastercard logo, can I rent a car with it?

2007-03-28 03:58:41 · 6 answers · asked by mike9626 3

2007-03-28 03:56:19 · 12 answers · asked by aikon56 2

Do you thin a credit card company would settle for $150 a month for 5 years? I think it would pay back half we owe...

2007-03-28 03:52:03 · 4 answers · asked by reneem1954_2000 6

I am wondering what I need(especially in Canada) in order to get a large loan, with no personal credit or collateral.

I have no credit, good or bad, just none whatsoever. I also have no assets that I can use to secure the loan.

So would I need to get a cosigner with collateral and credit, or just a guaranteur with collateral and credit?

I mean I realize there must be a way, because kids out of high school do it without credit, so how does it get done?

Also is there a limit for how much one can get for a first time loan under such circumstances?

2007-03-28 03:12:02 · 9 answers · asked by Luis 6

2007-03-28 03:09:18 · 5 answers · asked by jzimmerman56301 4

Can someone help me find a quick personal loan, something other than a payday loan?

2007-03-28 02:52:51 · 10 answers · asked by sweetdreams_0423 3

I have a credit card & added my fiance as an authorized user, and when we went to buy a house that acct. showed up on his credit report! I pay everything on time & it did not negatively effect his score, but I am just wondering how/why that happens? I did not provide the card company with his SSN or anything, so how did they even link the authorized user card to him?

2007-03-28 02:46:24 · 3 answers · asked by Jen J. 3

2007-03-28 02:14:14 · 5 answers · asked by stacey p 2

Hi

I am a hard working professional, 24 years old. My wife and I are expexcting our first child on 11/07/2007. We currently have a mortgage but our lender and others are unable to lend much more than we already borrow. We want to move home to a nicer area for ourselves and the family we hope to have.

My credit is not bad or good because I have never borrowed in my life and apart from the current mortgage, never will unless it is for a better home.

Since working after leaving school I am now a part qualified accountant and despite not earning that much, I hope that when I progess my income will increase, thus increasing my repayment ability.

This question is one of those that I hope soemone who has information about or is in a position to help me will recieve it.

Before you say it. Yes, I am in a good career and do have more than most others in my position, but by God I have earned it. My beginnings were humble to say the least and my lifestyle affords no luxury.

2007-03-28 02:03:14 · 8 answers · asked by Matthew C 2

i've tried to search for the web address to log in to ONLY the compass bank visa credit card but can't find it. I know it's not the ones that come up in the search engine. anyone know?

2007-03-28 01:15:17 · 3 answers · asked by Anonymous

2007-03-28 01:10:20 · 11 answers · asked by sajewin30906 1

Can you pay your card off instore? My payment is due and I can't find my cheque book =0S
If not does anyone know which banks I can pay it at - I cant seem to find the details on my statement.
Thanks

2007-03-28 00:47:36 · 6 answers · asked by Kerri 4

Me and my boyfriend have recently bought our first house. Since we moved in we have been receiving letters from a solicitors for the previous owners and phone calls saying the baliffs will be round. We have tried explaining we are not these people but they aren't listening. What can we do? Will this affect our credit rating?

2007-03-28 00:42:54 · 10 answers · asked by Em 1

Please answer me what is the steps included in the making of letter of credit.

2007-03-27 22:02:51 · 1 answers · asked by shamseerhere 1

i need a bussiness plan demo

2007-03-27 19:40:34 · 1 answers · asked by william H 1

in michigan...Thank you!

2007-03-27 19:15:31 · 4 answers · asked by bmwvw750i 1