Credit - March 2007

i wanted to pay off only the 2nd mort (home line of credit) and my friend told me that both loans gotta be paid at a same time or something gets violated etc. i don't get it. i wanted to pay off 2nd loan and refinance with 1st (big) loan to match my current value :(
he said i should put down the money to refinance etc. i'm confused now. what's the deal...

2007-03-03 14:15:32 · 4 answers · asked by h 2

Need a free software that I can download to manage debt and personal budget. help trying to fight debt I am suffering from high debt.

2007-03-03 14:02:53 · 6 answers · asked by Anonymous

I never had a credit card, so I need help. I am thinking about getting one to built credit history.

2007-03-03 13:28:12 · 7 answers · asked by Curious 1

I applied for a JC Penney card accidentally online, but then realized I already had that particular card, but the thing is is my credit is not as good as it was when I signed up originally and I'm SURE I won't get approved, will this affect my original card/accout? In other words, will my denial for the second card cause my original account to be cancelled due to current credit issues?

2007-03-03 13:08:49 · 2 answers · asked by Anonymous

If I cannot recive anything on credit. Even though I pay my bills on time my utility company does not report to the credit bureau, nor does my current landlord. I was thinking to but a mobile home and sell it to add homewonership. I have a student loan that has never been late and not in repayment yet and I have purschased three cars which I have never been late on. What else can I do?

2007-03-03 12:58:31 · 9 answers · asked by nene 3

Someone told me that it was only reported to the major agencies as late if it's 30days late. Can anyone tell me if this is true?

2007-03-03 12:35:36 · 7 answers · asked by ~*~*~*~*~*~*~*~ 6

I just reserved a room with my credit card-3 days ago-however we i called tonight to ask a question the employee didn't have any record of my reservation. I am quite bothered by this because the emplyee i spoke with the other night assured me i was reserved even provided me with a room number...which i guess means nothing now. I would like to know what people can do with this info as this card belongs to mother and I need to stop anything fraudulent before it happens or goes any further ...if I need to?

2007-03-03 12:09:07 · 14 answers · asked by northerngirl617 1

2007-03-03 11:50:28 · 6 answers · asked by Martin H 1

I got my car over a year and a half ago... it was financed @ 19%!!!!
Is it bad to refinance?
I have a few credit cards; not behind in payments (or past due) but almost maxed out! I have also been @ my job for two years now...
Would it help to refinance?
If so, how do I go about doing this?

2007-03-03 10:50:20 · 4 answers · asked by crystal j 3

I got creditcard debt about $35000,i am not resident nor have ssn ,recived my creditcards with tax id .Amex and others will they find me in Eastern Europe?please dont tell me i am lucky :))

2007-03-03 10:47:09 · 5 answers · asked by Simon Z 1

Let's say you have a credit card with JC Penny, for example, and then years later accidentally apply for the same card. Will this affect your current account? I know it's a weird question, but I was apply for a credit card and realized after submitting it online I already had that card.

2007-03-03 10:34:58 · 1 answers · asked by Anonymous

This attorney is attempting to collect a dept of $6,215.71 for an original creditor of FLEET BANK. I have no knowledge of this debt. How do I dispute it?

2007-03-03 10:34:51 · 7 answers · asked by Mark C 1

I would like to print a copy of my credit report without having to use a credit card. Ive heard of some free websites. Can you help

2007-03-03 10:31:13 · 2 answers · asked by sftkses06 1

I loaned a inlaw money in the summer of 06. At the time I loaned the money the in law agreed to start paying back in Aug 06, never happened. In Oct 06 she stated she was going to start paying us back....has not happened. Since Oct 06 she has not spoken to us about it. What should I do? I don't want to do anything legally, it is an inlaw.....but I want my money back...at least payments on a monthly basis. My husband feels his family used us. We have bills and have been tight on a budget, because we loaned away our savings.

2007-03-03 10:30:54 · 5 answers · asked by tonya l 2

2007-03-03 10:23:26 · 3 answers · asked by Arnitha S 2

I need to provide proof of payment, I wrote checks 9 years ago for child support, now can't find them.

2007-03-03 10:05:49 · 3 answers · asked by jodi 1

trying to get cedit card and they are using different credit report companys

2007-03-03 10:05:12 · 3 answers · asked by shocker83_fear_me23 3

Surly they have to take me to court so i can offer some payment via a ccj ( Red, blue letter) before they could make me bankcrut?

2007-03-03 09:15:22 · 5 answers · asked by mrkthomasson 1

PLEASE EVERYONE, GET ON HERE AND KEEP THIS GOING! I SAW 1 RESPONSE FROM PEACH AND IT WAS BULL, THEY HAVE FAR MORE THAN 125 CUSTOMERS THEY DROPPED THE BALL WITH! THEY ARE NOT CORRECTING IT AS THEY CLAIM, I HAVE BEEN CHARGED 1,500.00 MORE THAN I OWE AND I HAVE BEEN TALKING W/ THEM SINCE DECEMBER AND MY PROBLEM HAS BEEN ACKNOWLEDGED, BUT NOT RESOLVED! WE HAVE TO STAND TOGETHER AND FIGHT THIS, THEY ARE RUNNING A SCAM AND IT IS BLANTANTLY OBVIOUS. NO MATTER HOW TEMPTING THE OFFER IS NEW CARDHOLDERS SHOULD CUT UP THOSE CARDS AND SAVE THEMSELVES THE FAR MORE THAN A HEADACHE IT HAS LITERALLY DRIVEN ME TO MY WITS END..........I HOPE THIS HELPS SOMEONE AND SAVES MANY

2007-03-03 09:13:11 · 5 answers · asked by ilovedalehollow 1

or would that be considered small fish,are the identity thieves only looking for really big credit,so their purchases could go undetected for a longer time period?

2007-03-03 08:31:14 · 5 answers · asked by Anonymous

Ok. We are really credit challenged as we had a few bad years. Our credit scores are awful at 521 and 506. I have been making the car payments on time and the credit cards will be paid off next month (have been paying monthly) I have paid in full 2 items that were in charge-offs, and have paid of the medical collections as well. Literally end of April everything will be paid off except for our cars and living expenses. Is there anything else we can do to help us along. We are hoping to purchase a home NEXT april if our scores are over 640 (is this reasonable do you think). Am I overlooking anything? Is there more than I can do? We are trying to do everything right. Is going to each Credit bureau and getting scores better than using fico? Please only serious helpful answers. Thank you for your time.

2007-03-03 08:09:40 · 5 answers · asked by *G* 3

My X, out of town, filed chp. 13 in 2003. Today I got a "Notice of Dismissal" which says Notice is hereby given that on 2/21/2007, an order dismissing the above entitled case was entered (from the Bankruptcy Court). Accordingly, the automatic stay is lifted. What does that mean? I don't know if he is finished with his bankruptcy. I know when you are finished you get a discharge notice. Thanks

2007-03-03 07:48:04 · 7 answers · asked by pinky 1

I will not have anything open on my credit except my car loan. Some say it's bad to close it after paying it off, but at the same time, having a paid off card with a $3,000 limit is basically a "liability". I'm not worried about accruing more debt... I have no problem putting the cards away and not using them (quite easy considering I'm in Iraq for the next year and have no use for them anyway)... My concern is that when I go to purchase a house in the next year, they will see all the "available" credit I have (that I could potentially rack up)... any ideas/suggestions? Thanks.

2007-03-03 07:34:14 · 4 answers · asked by ? 3

I heard from websites that going through credit counseling for debt consolidation or lower payments is treated like a Chapter 13 bankruptcy. Apparently this would make it more difficult to get a home loan in the future? Is this true? It would help if I get responses from someone who has gone through credit counseling.

2007-03-03 06:51:07 · 8 answers · asked by Trixie1 2

Is 665 ok (for a 22 year old)? If there's no "quck fix", what are good tips in gereal to maintain and elevate the credit score I have? Also, how many points does can the score go up each year and by what means (I know it varies form person to person).

2007-03-03 06:47:59 · 2 answers · asked by Anonymous

I owe lots of money toward bills(such as utilities) and credit cards. I just got a nice chunk of change from my tax return. How do I get my credit rating up without going broke? Or is it wiser to just pay off my bills all at once?

2007-03-03 06:02:05 · 11 answers · asked by John H 2

i have been charged £20 for going over my overdraft limit and £30 for which ever transaction sent me over. which charge can i claim back ?? totally confused

2007-03-03 05:59:03 · 5 answers · asked by lf2003 2

I am thinking about buying the Suze Orman FICO kit. Has anyone used it and did it help increase your score and finances?

2007-03-03 05:47:38 · 2 answers · asked by dee2832000 1

2007-03-03 05:37:39 · 1 answers · asked by Anonymous

if i want to purchase something, but i want to pay with it half with credit card and half with pay pal, how do i do that?

2007-03-03 05:31:10 · 6 answers · asked by jack 1