Credit - April 2007

I have saved all the money in a savings account to pay off my vehicle. The only thing is I am trying to find a home to purchase and I was told that if I pay off my car now it will make my credit score go down a little. I don't want that to happen but I am paying about $60.00 per month in interest. What should I do? Oh ya and I also was told to get a A paper loan that I need to lines of good credit. I have a Target card and I am on my dad's account with a major credit card,is this good enough? If not what can I do?

2007-04-13 07:38:59 · 12 answers · asked by pooh bear 4

I just recieved a cashiers check for $5,000, ups delivered it. It was the only thing in the envelope, no explenation at all.... People told me not to take it to my bank because it may just me a big fraud..... but after thinking about it, what if i take it to the bank thats listed on the cashiers check, I dont have an account with them, so wouldn't they have to give me the money ifs its from there bank??? I'm so confused!!!!!! Its alot of money, and I dont know were it came from!!!!!!

2007-04-13 07:28:55 · 11 answers · asked by lahcswifey 1

Was unemployed a few years back. Owe $6655 on an old Visa fromo BofA. Sold over two years ago. Bronson and Migliaccio from New Jersey has told me that they are going to serve me papers, and that they process has already started, filing fee and all on the 10th, so I should be getting papers in the next couple of weeks.

They have not tried to negotiate or anything and they will only take the full amount for a 3 year old bill. It is my belief that cc companies with two ways by a) selling the acct. and b) taking it as a tax loss. I lost with unemployment and 7 years bad credit.

I am a FT student with a FT job and have been responsible since my job loss. All this jargon is confusing me though. Can they garnish my wages without defending myself in court first? Has anyone ever been sued by a collection agency? What is it like? Do they let you defend yourself? What can I go in with to arm myself with? Any advice?

2007-04-13 06:33:02 · 10 answers · asked by Jess T 3

Last Sept. my husband and I purchased our first home. We were gifted equity of 20% (probably more) so not to have to pay mortgage insurance (the home had previously belonged to his grandmother who is now deceased).

The home needs some repairs. A new roof, siding and windows. We have the equity, and my husband's credit is pretty good. We've been making regular (on time) payments with this bank for both a vehicle and the mortgage.

Should we get:
--a home equity line of credit,
--a home equity loan,
or
--refinance the house?
and Why?

2007-04-13 05:21:19 · 4 answers · asked by birdgirl94 2

2007-04-13 04:11:44 · 10 answers · asked by jacquestrap77 1

2007-04-13 03:50:18 · 17 answers · asked by Joanna P 1

UNITED STATE PARCEL SERVICE BENIN .
Rue 105 Akpakpa Way,
Cotonou Bureau Office
Republic of Benin
Tel/Fax +229-93-046-557
E-mail: uspservice2003@yahoo.fr
web: www.unitedstateps.be.cx
UNITED STATE PARCEL SHIPPING / F.M.C.-NVOCC -O.T.I.
#RX12327CT USPS LOGISTICS / AIR CARGO T.S.A.-
I.A.C.USA:
ATTENTION: JOHN JONES

HOW ARE YOU TODAY WITH YOUR FAMILY, HAVE YOU RAISE THE AMOUNT? BECAUSE I WANT YOU TO RECEIVE THE BOX THIS WEEK, SO TRY TO SEND THE $800 TODAY IMMEDIATELY.

TAHNKS

DR BROWN

2007-04-12 21:30:10 · 14 answers · asked by jubilee49 1

if we pick a day say july 1 2007 and quit paying on credit cards and collections it wouldnt take long to put them all out of buisness. they couldnt afford to sue everybody. theyd have to come up with a whole new credit system. and dont tell me it would destroy the economy. were throwing billions at iraq it doesnt seem to affect much. lets all get together and shut em down. whoes with me?

2007-04-12 19:47:04 · 1 answers · asked by Anonymous

there someone who wants to sell his home depot gift card for less than its value becuase he isnt planning to buy anything. is there any possible way its fake, even though hes going to verify it's value in front of me at the store? like can he take the code and use it somewhere before i get a chance to use it?

2007-04-12 17:46:14 · 4 answers · asked by dabo 1

trying to own a home and need a credit report but all these sites ask for credit card information and if you don't have it you don't continue. help please?

2007-04-12 17:20:50 · 8 answers · asked by Anonymous

2007-04-12 16:31:40 · 7 answers · asked by iiashley 1

This is my situation, right now my rate is 7.something% fixed. My credit is horible, under 500. I was wondering if refinancing(we have someone that'll give us 9.99% for 2yrs,then refi or buy) will help out our credit score so that we could by a bigger better home within the next year or so. Please help, thanks

2007-04-12 16:27:26 · 7 answers · asked by mchllherman 1

Here is my situation. I have about 15K worth of credit card debt. I've got all of this on 0% apr cards for the next year (while I pay it off). I have about 12K coming my way from my car which I'm going to sell. I'm planning on buying a new car. Would it be better to use the 12K as a down payment on the new car, or buy the new car with little to no down and pay off the credit cards? I'm wondering this from a credit perspective, not from a saving money persepective. Thanks!

2007-04-12 16:27:03 · 4 answers · asked by ike 1

2007-04-12 16:14:32 · 6 answers · asked by jay 2

she owed 1300 and has paid me 200 so far. We have had a falling out and not sure if she is going to keep paying. On the contract I signed it has my name but the address for the bills to go to is hers, is there anyway I can get rid of this debt from my name to hers.

2007-04-12 16:02:44 · 7 answers · asked by Simone P 1

I bought a used car from a dealership about 8 weeks ago. After having it 4 and a half weeks the timing chain broke blowing the engine. I have a 24 month 24000 mile warranty, which wont cover it because after market headers where put on the car before i bought it and they cant prove i didnt do it. So the dealership is avoiding me and my phone calls The car has been in the shop for almost a month and I'm stuck. What the hell do I do?

2007-04-12 15:38:48 · 9 answers · asked by adamo m 1

My husband's exwife used his POA in a state that allowd her to take out large amounts of credit in only his name. I am now getting calls from collectors for debt from 1998. It is no longer on a his credit report. How long will thos continue?

2007-04-12 14:48:44 · 6 answers · asked by ls 2

2007-04-12 14:19:24 · 2 answers · asked by actout4u 1

I was wondering how the credit card promotionals work. It says 0% APR for 12 months. Does this mean i dont pay anything for 12 months? or do i have to pay the mins. every month?

2007-04-12 14:15:19 · 7 answers · asked by kyle st. 1

I am 21 years old i dont have bad credit i just dont have much.. I have one credit card which i use and i pay everytime on time. i have a cell phone under my name and also pay on time so i dont have much credit. I want to get a car loan but dont have any pay stubs. I work at a salon and i got a w2 but i dont get paystub each week which the bank needs to apporove me... what can i do to get a car loan i am willing to put 6-8 gs down. i want to get like a 12g loan with not that much intrest i and i dont have no one to cosign please help??? thanks

2007-04-12 14:12:10 · 6 answers · asked by goochie1234 1

what should my first purchase be? my limit for every month will be $50 cuz im trying to build my credit. so help me choose wisely! =)

2007-04-12 13:16:19 · 5 answers · asked by Manrae 5

Uggg! My bank is so irritating! Whenever I overdraw the account they hit me with a $29 fee. It is insane! I understand that overdrawing the account was my fault but $29??? I could over draw it by $0.50 and they still make $29 off of that. How is that ok? And this last time was a nightmare. I took an extra day before depositing my check and EVERYTHING that went through got hit with a $29 fee. Shouldn't it just be one fee? When you are negative you are negative. I can understand the $5 a day thing but is it necessary for them to rape me on each thing? And whats worse is I went to the bank and I told them to NEVER overdraw my account. Meaning, if the funds are not in there, then deny the check or deny the debit card while I am trying to use it. Guess what? Nope. They can't do that. I don't think this is legal. Whatever happened to credit cards being denied??

2007-04-12 12:14:00 · 8 answers · asked by FreakyGeeky 3

I am a few days away to have a consultation with a bankruptcy attorney to file for bankruptcy due to bills that I incurred while being sick and being unable to pay off. I tried working with the direct agencies to pay the balance down slowly but they refuse to work with me, thus my reason for filing for bankruptcy. Now it looks like a collection agency has started to "contact me". I checked my home phone where I live with family and there was a message from someone who didnt identify there were attempting to collecting a debt and they didn't leave the message for me, they left it for the entire family ("This message is for the XXX Family") I traced the number back to a collection agency. I thought it was illegal not to identify you were collecting a debt etc. but over the past two days I've had two requests for my credit report by the collection agency. Is that illegal? Is there a limited number of requests an agency can have? 2 requests in 2 days is excessive and hurts my credit score

2007-04-12 12:09:07 · 2 answers · asked by millenium_ryan 3

2007-04-12 12:08:46 · 4 answers · asked by SadToday22 3

i did not want it they sent me the card and a statement, i have not even activated the card do i still have to pay the min. on the card.

2007-04-12 11:22:36 · 7 answers · asked by I love dooneys 6

I was added as an authorized user on my ex husband's American Express account and a Citibank account. We later divorced and had an agreement that we both shall be held responsible for each of our cards. I never used any of his cards and the he informed me that the accounts were closed, but when I check my credit report (it shows that the Amex account was closed and Citibank says current) But the Amex amount was still showing up in my balance, which is killing my credit score. What do I need to do to ensure that these accounts are actually closed and that I am not responsible for the charges made to these cards? Do I have to call the credit card company and ask to close the accounts? or call the credit agencies and dispute it? Or do both or none? Should I include the divorce settlement in each of these? I want to be assured that I will not be bothered anytime in the future, because he did not end up paying up for his expenses. Can someone please suggest a plan of action?

2007-04-12 10:53:32 · 3 answers · asked by ha16 1

I have received a letter from a law firm stating that they represent a creditor from whom I had a line of credit and I unfortunately stopped paying. This law firm has already contacted my job asking for verification of employment. I requested debt verification and they then sent me copies of old billing statements. Is this enough for them to pursue legal action?

2007-04-12 10:13:20 · 4 answers · asked by boop71 1

I am 18 years old, and have a checking and savings account. But my question is how do I start my credit? Do I apply for a credit card? Please advice me in what to do. Thanks!

2007-04-12 10:08:08 · 18 answers · asked by MichelleBelle 1

I am looking to boost my credit score. I am 22 with an AMEX Blue card with 0% through October. I have an open credit line of $9200 with $3200 used up. Should I keep my schedule of paying $150 a week or pay it off in full. What will benefit me more? The only reason I am looking to boost my score of 715 is in preparation of buying a house next summer. I will be a first time home buyer and I do not want to get hassled around with all the subprime lending fall out.

2007-04-12 09:31:41 · 12 answers · asked by Bob V 2

2007-04-12 08:47:34 · 9 answers · asked by jason e 1