Credit - April 2007

safety

informed choice

to purchase more than one can afford

responsibility

2007-04-18 10:27:43 · 7 answers · asked by Alyssa R 1

2007-04-18 10:10:32 · 10 answers · asked by Jaime R 1

I have a Chase Student Mastercard with a $300 limit and Ive already spent around $250. I've had my credit card for a week. Am I able to send payment anytime (like within a few days as I have $150 Id like to send) so that I can use my credit card again?

2007-04-18 10:01:32 · 20 answers · asked by Racin Girl 3

2007-04-18 09:46:05 · 1 answers · asked by Anonymous

i had a credit score of 711 on transunion and withing a month it drop to 635 and i dont see any reason. no major changes happend , no delinquen was added and i've been paying on time more than the minimum

2007-04-18 09:04:08 · 5 answers · asked by raphypiano1 1

my fiance needs to clean up his credit but we want to find the best site.

2007-04-18 08:59:42 · 5 answers · asked by Proud New Mommy! 3

I just want to know if anybody here has gone through credit counseling services and if it worked for you.

2007-04-18 07:46:44 · 4 answers · asked by giniblue 2

ok i try talking to the guy this happen back in 2000 i just met my wife ok she was a independent woman with 2 kids fighting to be alright all her bills on time etc ect .now she became disable in 2002 due to bad knees and arthritis she only get 1 income and she try to pay her bills but she could not .now she did a credit report and found out after 6 years they call the house demanding some money we are married now that they want a couple of grand up front and she could make $50 bucks a month or we take her to court and he also said to me that we own a 2003 gmc envoy and that if we dont come out with some money that he is goin to put a lien on the car ..can they do that please i need help in this matter he was forcing me to talk to my credit union to see if i could get a loan from them to help my wife out he was kind of nie but at the same time he was not so . i live in massachusetts so please any advise from any one out there please HELP me thanks ..

2007-04-18 07:23:46 · 6 answers · asked by ehernandez76@verizon.net 1

2007-04-18 06:37:29 · 2 answers · asked by Tim B 1

it show up in my credit report as if somebody issued a credit card with them anybody familiar with this company. thank you

2007-04-18 06:21:58 · 1 answers · asked by kat 1

Like if I want to call the credit bureau? And do I need to pull out all 3 credit reports or with one is enough? I was told I need to pull out all 3 of them. Thank in advance for your help.

2007-04-18 06:12:58 · 5 answers · asked by ME 3

2007-04-18 05:46:10 · 3 answers · asked by yatan vir s 1

I have a lot of old debt on my report. Plus a few things that were added about a year ago. A few things are going to fall off this summer. I went through 2 layoffs and a car repossession ( the car was a lemon that wouldnt even drive anymore). I have 2 civil judgements ( One is the car repo) reported as well. Anyone have any word of advice? Should I start paying off the newer debts or does it even matter at this point? Or should I send letters to the creditors asking them to remove negative remarks in exchange for a full payment? My score is very very low. Like under 400 low. I would like to be able to buy a house in 2 years and a new car sooner than that. Any advice would help

2007-04-18 05:17:58 · 12 answers · asked by kshawn563 1

I have a long and good credit history, my bills have always been paid and on time. My question is...I was hospitalized, there were bills for lab work that my insurance wouldn't pay because they said I had to have all my blood work done at a certain lab. However the choice of lab I went to was out of my hands being that I was hospitalized at the time. The lab at the time offered me 1/2 of the price, but I never did pay it because I didn't think I should have to pay it since I had insurance that should have paid it 100%. It was the principle of the thing. So if this is on my credit file will it hurt my credit score? Any suggestion on if it could be removed from my report if it is on there?

2007-04-18 05:17:26 · 10 answers · asked by Anonymous

I'm in the mid west with a $500+ bill staring me in the face and a threat to cut off my power

2007-04-18 04:40:23 · 5 answers · asked by SadToday22 3

2007-04-18 00:48:40 · 2 answers · asked by nicloa h curly1 1

For example, if you send the electric company half of what is owed, will they shut you off? Same question for cell phones, cable, car payment. I live in NJ. Are there any places(legititmate) that can assist me in making payments to these debtors and still keep my utilities on and keep my car(which I have no choice or I will owe more than the car is worth and I can't get refinancing) and my place to live? I am $600. short this month because of my husband losing his job and taking a pay cut from another job and second jobs at this time are impossible. Any help would be great.

2007-04-18 00:21:05 · 5 answers · asked by hazeleyedbeauty1967 6

2007-04-17 21:24:55 · 2 answers · asked by streetball_06 1

The Black Diamond Card comes in VISA & MASTERCARD,

they are approved for anybody.


How legit are they?

2007-04-17 20:44:46 · 4 answers · asked by Anonymous

From time to time, I hear commercials that contain the phrase "Not available in all states." One commercial that contains the phrase is a commercial about reducing or eliminating credit card debt. Do you have any idea why certain services are not available in all states?

2007-04-17 20:17:05 · 3 answers · asked by Ivan B 1

I have 2 collection's on my credit report for medical bills.I have the cash ready to pay both off in FULL so NO payment plan will be needed (I know I could pay less but I want a GOOD chance to have this removed from my credit report) What are my chances of telling them I will pay in full under the condition that I want it removed from my credit report? Here's how "I" think I should go about calling them:

I'll call them and ask them if I have permission to record the call. Ask for their name (so its recorded for ref) Then tell them I am willing to pay in full under the conditions it's removed from my credit report. Then request it in writing if they accept, Pay them with a money order in a certified envelope.

Sound like a plan?

2007-04-17 18:02:29 · 7 answers · asked by Anonymous

May have have some effect on ones credit

2007-04-17 17:53:56 · 1 answers · asked by Gerryp 1

six months, will i see more points added to my score in the next couple of years with proper handling of my credit ?
i know this sounds nuts but its the truth.. thanks for your honesty always..
peace

2007-04-17 17:30:08 · 6 answers · asked by bcwireless420420 1

I was involved in a hit and run motorcycle accident, I was hit by another bike while riding mine. Now I have 2 collections medical bills that made it's way onto my credit report that I refused to pay but since nothing has been done I am stuck with the bill. Who do I pay the collection agency or the original creditor? I plan to pay the full amount so I have better chance of getting it removed from my credit report.

2007-04-17 16:51:39 · 7 answers · asked by Anonymous

okay, so i just got a credit card, and i am a teenager in High school (grade 10). This is a normal credit card, mastercard. I was wondering when i use it (at restaurants, malls etc), do i just show them my school ID? i don't have a DMV ID (no drivers license). Will they accept my student ID as a form of verification? anybody with personal experience with this, your input would help!!!

2007-04-17 16:28:40 · 12 answers · asked by Anonymous

Who are willing to lend to someone with poor credit so they may consolidate debt and get back on their feet?? Please be serious, as we are and do need the loan. Repayment will not be a problem. Just need someone to give us a chance.

2007-04-17 14:47:53 · 1 answers · asked by Anonymous

2007-04-17 14:22:33 · 5 answers · asked by Luckys Charm 4

2007-04-17 14:13:02 · 14 answers · asked by flowers 1

I hit a rough patch back in December/January were I was a little behind in everything. I called and explained myself and everyone worked with me. Last month I made my last BIG house payment (normal payment plus extra payment tacked to spread out Dec's payment) I have caught up on everything or so I thought. Today I get a call from my car financier saying that I needed to pay x amount by Thursday to catch up and if I did they would allow me a two month extention and in July I would be returning to my normal car payment. Now she told me that she was fixing to put a repo claim in or something along those lines and would if I did not pony up. Either way I paid my amount talked to a really nice guy who assured me I was out of repo status and no my car would not be taken, I am just wondering now that I am back on my feet what are some budget tips, techniques you guys have. I don't want this to happen ever again. Any idea why the car company did this?

2007-04-17 14:10:08 · 5 answers · asked by Anonymous

ok i have about 5 accounts open for collections they expire off my credit report in 2011 my credit score is 580! here is my question, i just got off the phone with one off the collections peeps and am about to settel 3 of my acounts and now i think mabye i shouldnt they told me that they cant take it off my credit report but they will mark it as paid so does that push the experation date back another 7 years on it? Should i settel this with them or just let it expire? does it help your credit score if it gets marked as paid or does it not change?
I know it is just right to pay it but if it will stay on there for another 7 years from the paid date whats the point?
and finaly would it hurt me to get a credit card off my gfs account andd would that help my credit?
or can you give me another good way to do this. also do cell phones help build credit?
sorry for the bad spelling im in a rush!!! Thanks

2007-04-17 14:00:29 · 9 answers · asked by Anonymous