Credit - March 2007

I would like to enroll in a program to pay off most of my creditors, but it scares me to have to close all of the credit card accounts (which I've heard is often a requirement). I would like to keep at least one open for emergencies. Does anyone know of any agencies that will allow this?

Thanks!

2007-03-05 06:10:29 · 6 answers · asked by onodi92 1

I've got great credit and have had several credit card offers and reject them all. Do you think it wise not to have one? I have saved tons of $$$ from interest by not having one. What do other people think of this?

2007-03-05 05:41:51 · 14 answers · asked by Anonymous

I called in and said,"i wanna cancel my card because I dont like the way fees were added to my account ,,!!The company said,"well sir you cannot cancel your account if it is active and you still owe on it>))"So what im saying is they wont even discuss the late fees with me I am always on time and yes when i was late before and agreed I was ACTUALLY late i sent the late fees...anyways what do I tell them to get out of this mess..(THEY also said,"sir we cannot get rid of your fees it is up to you to pay them by contract..So anyways I hung up I am tired of this company I

2007-03-05 05:26:46 · 8 answers · asked by kcir1979 1

We are thinking of using a program from them to help reduce our debt. But we don't want to go into it blindly. If anyone has used them, please let us know your experience, good or bad, all pros and cons.

2007-03-05 05:25:12 · 2 answers · asked by starsidex2 1

I only opened a checking account at a bank. The bank ran a full credit report on me. This shows in my credit report and hurts my score.

I did not apply for credit, could the bank run a full credit report on me? Did the bank violate the laws?

2007-03-05 05:24:06 · 13 answers · asked by pocustomer 1

Somebody got my debit card numbers & street address and I am trying to figure out how. They charged 5 small items and had them mailed to me. According to the companies they charged from, they didn't get my bank account number, phone number or email address. The debit card is frozen and I got the money back, and now I have an extended fraud alert with the credit reporting bureaus. I am trying to figure out how my debit card numbers could have gotten out, because I am reallly careful with the card. But I did read about a breach at TJ Maxx, and I shopped there a couple of months ago.

Did anyone else shop at TJ Maxx and then have their credit or debit card numbers stolen?

2007-03-05 05:22:38 · 4 answers · asked by Kacky 7

I have applied for loan and have recieved phone call from this company called Cash Finance and they have advised me that loan has been p[re approved and i will have to call on number which start with 0905 and would charge me 1.20GBP and i would get refund of that..should i call this number??

2007-03-05 05:22:25 · 7 answers · asked by Gagan S 2

Is it possible to open a Paypal account, purchase maybe like one item on ebay in which the seller pefers you to use Paypal, and then close the account? I wanted to buy an item and thats what the case is, but I only need Paypal for this one purchase. Is there any way to do this or am i stuck with an account for life?

2007-03-05 05:02:59 · 5 answers · asked by Anonymous

2007-03-05 04:50:48 · 2 answers · asked by Angela N 1

im looking for a used car between $6000 and $9000. Will I be approved and what will my down payment need to be?

2007-03-05 04:46:51 · 9 answers · asked by joeblow220 2

I give my credit card you say I m in the the next day i m out but you hit up my credit 4 times so far

2007-03-05 04:42:25 · 2 answers · asked by alan m 1

could someone change £5.64 into Euros please.
how much will £5.64 be in euros and please write down how you did this so i can check myself, and before anyone says, NO!!! its not my homework, i dont go to school, its because i need to purchase something over the net with euros and i only have £5.64 left on my paypal account!
thanks for your help.

2007-03-05 04:42:10 · 9 answers · asked by Anonymous

I need some advice despretley. About a year ago my husband and i had bad money troubles and had to go down the route of debt consolidation, on which we still pay every month. The trouble is, since then i have had a baby and suffered bad post natal depression where my husband has temperally gave up work to help me. although we did declare all debt at the time we did have some active clear credit cards on which unfortunatly we have now got into 7000 more debt with and cant afford the minimum payments anymore. Has anyone got any advice of what we should do?
do we contact the existing debt consolidation company and explain? please help.....

2007-03-05 04:33:32 · 4 answers · asked by clairelington 2

2007-03-05 04:20:05 · 7 answers · asked by teddybear_kaa 1

im not talking about hearsay. if you have ever been sued by a credit card or collections agency speak up. I have heard that they will never sue you just call and bug the hell out of you for the rest of you life. I dont know anyone that has actually been sued by one.

2007-03-05 03:42:14 · 7 answers · asked by heybulldog 5

My mom was a joint account holder with my dad and is willing to make a payment arrangement with the creditor. She was told to give her social security number and mother's maiden name to their fraud department before they can discuss the acct. Shouldn't they have this info if she is the joint account holder? Why was she forwarded to the fraud dept?

2007-03-05 03:37:52 · 4 answers · asked by Brian T 1

I have some credit card debt on a few diffrent cards. I'm getting tired of trying to keep track of when they are due and paying the high rates. I have owned my home for over a year and a half, and I was looking at and Home Equity Loan, which it appears the APR is at 7% with most banks. Would it be worth getting to pay off my credit cards? And, If I wanted to sell my home, would there be any probelm with having the loan?

2007-03-05 03:31:36 · 10 answers · asked by plowboy 2

this all happend when i was under the age of 18 but i cant get a any credit and every time i try to do a credit check it tells me i need a creidt card i have never had any creidt cards i do however have bills that i pay on time but how do i fix this

2007-03-05 03:29:51 · 12 answers · asked by dianashay 2

bank of america issuing credit cards to illegals. they don't have to give ssi#. or bank statements like citizens. boa is doing it for greed. they charge higher rates and don't care about the ease of
terrorist to get around this country. rent trucks ,fly planes etc.

2007-03-05 02:28:45 · 5 answers · asked by MR TADS 4

I operate the entire business. I am actually the general manager of the business. I have the credentials, meaning that every course needed to be in this position, I have. I relocated for this position. i am in no way benefiting from being here. I love where I work, the only thing that is keeping me here is the opportunity. I am falling behind on bills, I cannot catch up, this to me should not be the case. So DO I go to my employer and show him/her my bills, car payment, food expenses, mortage, maintenece, what DO I do. I do not want to go beck where I came from, but I am not benefiting from being here. $30,000 is not a lot when I only bring home maybe $800.00 every two weeks. Car payment is $485.00, mortage is $495.00, $300.00 debt consolidation, not to mention food, car maintence, bills, WHAT DO I DO? Please think I f this was you what whould you do......

2007-03-05 02:05:38 · 7 answers · asked by Jerry D 1

2007-03-05 01:44:02 · 7 answers · asked by Mappy~Jazz 2

My credit card company erroneously charged me a "pay-by-phone" fee b/c I called to make a payment when their Web site was down. When the rep informed me that I'd be charged a fee, I did not authorize it and said that I would try the Web site again the next day. They went ahead and charged me the fee, anyway. When I called to complain, they refused to waive it. I have almost a zero balance with them at this point. If I leave them and open a credit card w/another company, will it hurt my excellent FICO score?

2007-03-05 01:32:20 · 5 answers · asked by Donna S 2

On my credit report, been divorced now for 11 years how do I get my ex-wife's accounts showing on my report taken off or the reports seperated ? Also accounts that have been closed for 8 or 9 years removed being either good or bad? Thank's

2007-03-05 01:25:35 · 3 answers · asked by stjustcrusin 1

2007-03-05 01:05:47 · 4 answers · asked by Liz A 2

I applied to Barclaycard online to transfer several balances totalling £4,000, filled in all my details including how much I could pay each month (these are for 0% balance transfers for 12 months) and I get a letter with the new card saying they have set the credit limit to £950.

So I can't transfer the £4,000 over - they said they can increase the credit limit after 3 months but its not guaranteed!

My question is, before I start looking for another card that will accommodate my needs, do all card companies set a specific limit?

Thanks

2007-03-05 00:14:28 · 5 answers · asked by alipaul2 2

all of the sites say they are free but you must either join or put in info from a valid credit card. Does anyone know a place wherre it's truelly free?

2007-03-04 23:57:05 · 6 answers · asked by Angel 2

I have just registered a Ltd company and now need a business bank account my credit is really poor however and most places would probably turn me down. Is there any bank that offers a basic no faciilty bank account for businesses? I dont need to borrow money i just need an account to pay mony into.

Heres hoping someone out there can help me!

2007-03-04 23:46:46 · 4 answers · asked by chris c 1

Ok, I bought a xbox 360 and some games from a shop. It was second hand but this shop sells mostly second hand and ex pawn shop stuff.

Anyway i got it home and set it up and after abotu a hour it started makign a weird noise like the fan was working to hard like a whizzing noise, now I have had one of these computers before and it did not act like this.

So I took it back to shop and he said he did not have an other one so he could not offer me a swap and he was not prepared to offer me a refund cause he said it was not broke, but then offer me a credit note for the store, i did not want this, i want a working computer or my money, in the end he told me to take it away and he would not be swapping it or giving me a refund or credit note, surely he can't do this just because he says it is not broker, thats not fair.

2007-03-04 23:09:48 · 12 answers · asked by chris s 2

I would like to pay off bad debts, but I'm wondering if it's worth it. Even if I pay it off, will it ever matter? I worked as a bill collector for 2 years, although we were trained to lie about how it truly affects your report.

2007-03-04 22:38:58 · 7 answers · asked by PlasticTrees 2

Why on earth do people go to debt consolidation services etc, when the citizens advice bureau help to sort out debt problems for free?

2007-03-04 22:34:46 · 7 answers · asked by brian t 5