Credit - March 2007

I got a call from a debt collector. She said I could make a check payment over the phone. I told her my account doesn't have enough money in it to do that. My payment is due on March 12th according to the bill they mailed to me. The woman kept insisting I make a post dated check and they will take the money out then. I told her no, I will mail the money as soon as I know I can cover it. We went back and forth on this for awhile and I told her what if the funds are not in the bank by the posted date, then I have more problems with bounced check. She was getting very annoyed with me cuz I wouldn't pay by phone. I told her I cannot give you what I don't have. I was behind in payments but this is the last one that I'm behind in and then I can pay my regular monthly bill . Any way she said Well I will be calling you every day until we receive your payment. I told her fine, look forward to hearing from her. Is this harrassment? Or is this just the way debt collection works?

2007-03-02 08:28:47 · 11 answers · asked by Jacobi S 2

Maestro, solo, Switch?

2007-03-02 08:27:03 · 8 answers · asked by TB 5

When buying something from a shop I noticed it was faulty and plan to take it back for a refund.

I paid by debit card, how long will it take for my money to go back in my account.

2007-03-02 08:09:54 · 9 answers · asked by chris s 2

what does percentage of credit available mean?

2007-03-02 07:32:33 · 4 answers · asked by paulp3009 2

I just got my credit reports from two of the credit agencies. My score was 550 on one and 625 on the other. I've started to talk to a few collection agencies and have sent payments in full to a few others.

My family needs to move sometime this summer. We would like to rent a bigger house... everywhere I look online they talk about checking credit ratings. This has me a bit worried.

So, how long do you guys think it will take my credit score to improve after these debts are payed off?

I also, only have one store credit card with a low available credit... I've never been late on that one (I've had it 3 months).

Should I try to get one Visa card, as well, and keep a low balance? Would that help?

2007-03-02 07:03:20 · 8 answers · asked by Anonymous

I have some credit cards that i don't use. I talked with the credit card companies and of course they said don't cancel them but they also said that they report good credit whether you use them or not. Is there a negative to this? Or is it ok? Why or Why Not?

2007-03-02 06:55:34 · 11 answers · asked by biged140 2

I want to clean up my credit and pay things off but I don't know what's more important and will help raise the score quickest. The credit cards are active except for the 890. I still get a statement but I can't use it anymore. The 450is from letting a fam member gat a phone in my name and I'm just finding out about the 197 from when I moved over a year ago. I need good advise. I want to buy a home. Thanks.

2007-03-02 06:52:29 · 19 answers · asked by TC 1

2007-03-02 06:51:59 · 3 answers · asked by Makenna M 1

I am wanting to get a car loan. I have recently paid off a $5,000 loan and I have 3 credit cards with the total debt on them less than 30% of my total available credit all together. I have paid some credit card payments a day late at the most. will this hurt me getting a car loan?

2007-03-02 05:55:38 · 6 answers · asked by ambs 1

I received a letter of demand from the on-call doctor for my hospital stay almost 4 years ago. I was admitted for chest pain and irregular heartbeat. I felt 'Doc Q' was incompetent: Sipping a soda, chating with tech staff while I had a treadmill test (the only one he ordered) and not paying attention to my dangerously high blood pressure or erratic heart beat. I had to be caught from falling off the machine by the nurses.

He came to my room telling me to 'ignore any future chest pains' and released me. The nurse's jaw dropped when he thundered out this jewel of wisdom.

After an EKG with abnormal ryhthm the next day, my personal doctor said something was wrong sent me to a cardiologist who found a murmur and put me on medication to regulate my irregular heartbeat and high BP.

I told Doc Q's billing office I felt his care inadequate and dangerous. They agreed to drop the charges.

Now here comes the demand letter - what do I do??

2007-03-02 05:44:20 · 10 answers · asked by queenlint1 2

could that mean that I don't have any credit? because I doubt that I do. An employer is doing a credit check on me so I just wanted to make sure I wasn't in debt from anything. I had readers digest falsely charge me for "free" gifts, so the collections went after me..but this was a few years ago when I was 17 yearsold.

2007-03-02 05:31:44 · 3 answers · asked by John R 2

My chapter 7 bankruptcy was finalized in May 2006. I had a cc with Bank of America that was discharged. I still have a checking and savings account with them, and would like to reestablish credit by applying for a secured cc. Is BofA likely to turn me down because I had an account discharged with them?

2007-03-02 05:07:51 · 4 answers · asked by countstars 2

If I file chapter 7 do I have to claim all of my creditors? My husband and I got a loan from our local bank. We live in a small town where everyone knows everyone else. We got the loan mostly because they know us. We don't want to cheat them out of their money because they gave us a loan with no colateral. Do we have to claim them on chapter 7 along with everyone else or can we exclude them and still make our usual payments?

2007-03-02 05:04:57 · 4 answers · asked by invictus 4

I have a credit card already and only has a bit left to pay off and i want another one..actually it was the one i wanted in the first place but they denied me. Now they say i can have it..but i already have one so i just want to get that one and not use it til i pay the other one off..lol..if that makes any sense...anyways if i dont use it do i still have a monthly payment?

2007-03-02 05:03:36 · 8 answers · asked by Anonymous

2007-03-02 04:58:50 · 1 answers · asked by adnan k 1

how does it effect my credit score? like how is that established? does it let me do certain things or like how do i know how good it is and whatnot

2007-03-02 04:40:41 · 5 answers · asked by socosurf4 1

I recently got a phone call from one of my accounts that is in collection, that if I didnt pay the full amount by a certain date that they were going to tell the creditor to file a judgment on me, if I dont pay in full about $4,000. I have tried contacting the credit card direct but they direct me to the collection agency and the agency basically ignored my efforts.

(Ok here is the back story, I was about $13,000 in debt and I am only 24, I know its bad but I have paid all of it but $4,000 in the 3 years I have been working on my debt. This is my last and only debt I have left to pay off.)

If they take me to court what can they take, I don't own a car, a home or anything of value, I have made efforts to pay but they insist on full amount and well I dont have $4000 but I do have $250 I can pay every month.

Is there anything I can do to let them know I am making an effort to pay and really do want to resolve this? I dont want too and cant afford to go to court.

2007-03-02 04:35:41 · 10 answers · asked by jessica g 2

2007-03-02 04:24:34 · 6 answers · asked by butter 1

I am a young adult who wants to start getting a good credit history. I just checked my report and I have one negative thing and I have like 4 or 5 inquiries. I disputed my negative thing for one of the indicated reasons. How can I start getting credit? Where can I apply, when I have no credit? I have 3 savings accounts and 1 checking account, but that doesn't even show up on my file. I have tried getting credit, but I am denied because I do not have a significant history. What can I do to build my credit up? Where can I start? please help!

2007-03-02 04:13:22 · 5 answers · asked by horsegal08 2

your credit report? How long will it show negatively on your score? Best to pay and cancel card?

2007-03-02 04:08:19 · 8 answers · asked by Jasmine 5

As a college student, I've racked up some credit card debt. I have never missed a payment, and have always paid at least $5-10 over the minimum amount.

My grandfather recently passed away and he left me quite a large sum of money. What would be the best way to pay off these credit cards? Should I pay half one month, and then half the second month?

The goal here is to a) settle my credit card debt, and b) improve my credit score. The inheritance money will be released to me monthly until the amount expires (around $500 a month for the next 10 years). Any guidance/suggestions are greatly appreciated.

2007-03-02 03:49:08 · 4 answers · asked by peersignal 3

2007-03-02 03:44:01 · 3 answers · asked by psalmist06 1

i need a loan and my mum has agreed to guarantor it but none of the high st banks allow this anymore! does anyone know where might? i want to avoid paying high interest, so a bank type loan would be ideal.

2007-03-02 03:40:40 · 4 answers · asked by lenstar 2

I am calling them each and asking to negotiate a payoff... what should my goal be to have it 100% removed, paid as agreed, or a settlement? Which is going affect my score the most?

2007-03-02 03:36:00 · 6 answers · asked by Elijah's Mommy!! 2

Im getting married in September, but my other half has a poor credit rating where as mine is really good hence why i now control the purse strings.. I am woried that when i take his name this will affect my credit rating will i be tarred with the same brush when i become his wife and if so would keeping my maiden name help.

2007-03-02 03:34:31 · 23 answers · asked by tjunsworth 2

Last night a server went knocking at my mom's door, my sister told him I did not live there. The server left, and this morning my mom found a court summons for me on an OLD debt. Am I legally binded to respond now, since the summons was not signed for and was left at my moms front mailbox? Hopefully I'm making sense, since I've only had 2 hours of sleep... Thank you in advanced...

2007-03-02 03:18:03 · 6 answers · asked by Anonymous

Exactly what type of help do they offer?Do they remove negative accounts on your credit that are paid in full?Or do they remove any negative accounts whether they are paid off or not??

2007-03-02 03:17:15 · 9 answers · asked by Smooth 3

when you apply for different lines of credit they ask for your mother's maiden name??

2007-03-02 03:13:28 · 10 answers · asked by ped_kia82 1

I use my bank account in paypal ´coz i don´t have my cridit card. But What should i do if my latest funds sent to paypal doesn´t arrive? What should i do if the money become lost?

2007-03-02 02:15:58 · 4 answers · asked by JC 1

I am trying to clean up me and my husband credit reports and I am thinking about using Lexington Law firm to help. Has any one ever used them and if so, have you had any results with them?

2007-03-02 02:02:34 · 4 answers · asked by connie F 2