Credit - March 2007

I recently got a loan and noticed my credit score dropped from X50 to X18 (don't want to reveal personal info on line). Turns out (the only thing I can't think of) back in Oct Chase raised my credit limit. I misunderstood the terms. Apparently, they wanted to me carry an avg daily bal of $1,000 (I've never even owed that much on this card). When it didn't happen, the lowered it. The downfall here is that I had made two purchases on this card that never would've been made had I known they were going to do this. So, now I'm using 65% of my credit line (around 60% after my next payment).

I have a feeling those points won't reappear as quickly has they disappeared. My question is - how long will it take to rebuild those pts?

2007-03-06 07:33:09 · 3 answers · asked by reandsmom77 6

Does anyone knows about a program that can help people with poor credit buy a house. I live in Connecticut. Does any one knows about a grant program.


Thank you.


I appreciate your answer.

2007-03-06 07:11:07 · 6 answers · asked by Anonymous

2007-03-06 06:55:54 · 7 answers · asked by Kermit 3

2007-03-06 06:54:45 · 5 answers · asked by Direktor 5

2007-03-06 06:32:30 · 6 answers · asked by Anonymous

I heard from someone that disputing a credit card charge affect one's credit score score. Is this true?
Can you provide a website where I can get more information about this?

2007-03-06 06:15:26 · 9 answers · asked by Anonymous

there is amount for 288 on my credit from something that occured in 2003 and i pd it off 2 years ago. guess what it is still on there showing i owe this amount. i disputed it with the credit bureaus with a copy of the cancled check. They all wrote back stating they cannot use this-then then enclosed a copy of my credit report making this collection was verified on 2/07. I am in the process of refiancing my home and this is having some affect on this. I contacted the collection agency that is handling this and they told me they will review this check and it will take 6-12 months to investigate this. Now should i just pay this again? to help my credit score/dose it affect my score with them showing it was verfied? on the credit report it shows that it will removed in 2010. i am lost and need some good advise.

2007-03-06 05:26:37 · 3 answers · asked by dan p 1

2.Credit card
a.Define credit card
b.How is it structured
c.What are the requirements to obtain a credit card
d.What are the costs/fees

2007-03-06 05:26:25 · 1 answers · asked by Anonymous

can anyone tell me ways to rebuild my credit? i have aready gotten a seccured credit card but i dont know of anything else i can do.
my credit is not bad because i dont pay my bills..when i got devorced from my ex-husband everything we had was put into foreclouser and since it was in both our names my credit is now fu(ked. i want to get it reparied so that i can buy the house i live in know. please help if you can without passing judgement.
thank you
teresa

2007-03-06 05:14:58 · 1 answers · asked by crazylady1193 5

2007-03-06 04:38:57 · 5 answers · asked by Lerat 4

I had several delinquent accounts but have paid them all off in full. I am currently a student and have student loans but will not be required to pay them off until after graduation which is about a year from now. I currently have 1 credit card in my name and share one with my dad, with him as cosigner. How do I repair my credit so it'll be good enough for me to finance a car in a year or obtain a mortgage in 2 or 3 years? Help please?

2007-03-06 04:35:13 · 7 answers · asked by Anonymous

I want to know what is paypal & how is it used & i wanted to know how can i get a credit card & what are the neccesary documents or things or things for saftey required in it? And how do u repay the credit?

2007-03-06 04:34:07 · 2 answers · asked by Anonymous

2007-03-06 04:30:50 · 7 answers · asked by brad&tonia s 1

2007-03-06 04:18:30 · 3 answers · asked by lisa b 1

I make my credit card payments online through the issuing bank's website. Despite this fact, I still receive statements in the mail. Is it possible to ask my bank to stop mailing statements to me?

2007-03-06 04:04:46 · 8 answers · asked by Anonymous

Alright I guess that's an oxymoron, but here goes. Does anyone know of a loan (possibly through a bank) where I can cosolidate about $6K incredit card debt into a decent rate? I'm just sick of not making a dent in my debt. My credit is perfect. All ideas are welcome. Thanks in advance.

2007-03-06 03:49:36 · 10 answers · asked by Reens 3

Please this is an emergency!

2007-03-06 03:33:01 · 5 answers · asked by Anonymous

2007-03-06 03:20:48 · 7 answers · asked by michelle 2

2007-03-06 03:19:47 · 3 answers · asked by chefjohnny75 1

2007-03-06 03:16:37 · 8 answers · asked by shafay w 1

So I have no way of paying and have accepted that I'm going to get sued. Since I'm liable for their legal fees, I'll be paying those too. I want to know just how much money I'm going to lose.

2007-03-06 02:49:07 · 3 answers · asked by cejones345 1

LOAN QUESTION: I got the answer I wanted the hard way. Do not use this company AMERICAP LENDING they are a hoax...I sent them over 5000.00 to be approved for a 100,000.00 loan and have not heard from them since. I am on the verge of sueing this company. DONT FALL FOR IT!!! I already did...

2007-03-06 02:32:48 · 5 answers · asked by isis1298 1

I was recently charged £96.00 for going into an unathorised overdraft. The bank is saying that this is a service fee and for every £25 you go into your overdraft they charge you £25. I did not know this as i have never gone over my overdraft and i was on holiday when it happened so i couldnt keep a track of it. I have asked that they refund it and they have refused saying it is not a hidden charge. Do i have any further rights to get this amount refunded? Does anyone know??

2007-03-06 01:52:12 · 5 answers · asked by Belinda 2

I want to advertise a product via the internet, for the international market. It can be bought only by a Credit Card.

Therefore I would like to know, per each country in the world, how many Credit Cards are there, or: How many Credit Cards per resident in each country?

2007-03-06 01:45:23 · 3 answers · asked by Anonymous

I was stupid and co-signed a car loan w/someone that I now no longer have any contact with. Is there a way to have my name removed from this loan?

2007-03-06 01:45:22 · 5 answers · asked by Anonymous

I bought a car on Friday from CarMax. I dont have great credit, so they found a lender willing to finance me for 18.9%. I took it cuz I needed a new car. Anyway, yesterday, I got another approval from a different lender at 13.8%. I'd like to do the 13.8% because it drops my payments about 40.00 per month! What can I do? I'm assuming there is something I can do since I just bought the car 4 days ago.

2007-03-06 01:45:00 · 3 answers · asked by Coltsgal 5

I have heard that applying for a secured credit card (setting my own account spending limit) will help improve my credit score. Is this true? And how does that make any sense?

2007-03-06 01:17:07 · 10 answers · asked by Anonymous

2007-03-06 01:16:07 · 4 answers · asked by Anonymous

I have been told that every time I order my credit report, my score goes down. Is this true?

2007-03-06 01:13:46 · 15 answers · asked by kel5996 2

I just checked my credit report and I have a very poor rating. I can't get another card to help build credit again nor can I get a loan, or a phone, or anything. What do I do?! Pleas help!

2007-03-06 01:10:28 · 18 answers · asked by Anonymous