Credit - April 2007

2007-04-11 06:14:21 · 6 answers · asked by Anonymous

I want to raise my credit score, and just how can i have the negitives turned into postives on my credit report...there are people offering that they can clean up your credit fast for a fee. so can someone lead me into the right direction....again I do not have the money for settelments or to pay off large accts

2007-04-11 05:42:50 · 8 answers · asked by fruitsmoothies 1

2007-04-11 05:28:00 · 11 answers · asked by Jazelle W 1

What shall I do, and what are the legal complications.

2007-04-11 04:58:23 · 15 answers · asked by HELEND 6

2007-04-11 04:42:16 · 8 answers · asked by amy_dvdsn 1

Or your credit score?? Thx!

2007-04-11 04:39:49 · 8 answers · asked by Rockin T 1

I have about $11,000 in credit card debt I've been avoiding. I need some sort of consolidation. What are the pros and cons for Chapter 13 and a debt consolidation company? Any personal experiences?

2007-04-11 03:11:34 · 8 answers · asked by Ashley Z 2

I have excellent payment histories on my rent, my car (a lease), and am generally good with my finances. I don't carry any debt outside of my reasonable student loan. I only have one credit card and I only use it for small purchases that I pay off in full usually on time. My question is, a couple of times I have been a few days late making my credit card payment, although I either pay in full or at least half of the balance, depending on how much is owed. Do these infrequent late payments (a week at most) affect my credit score and how much?

2007-04-11 01:33:50 · 10 answers · asked by tennisnerd11 2

Is the Statute of Limitations on credit card debt, determined by the state you currently live in or where the debt originated?

I have a debt that I stopped paying on in Jan 2002. I acquired the debt while living in Texas and stopped paying it while living in Texas. My husband is military so we have lived in Missouri for the past 4 years.

The SOL for TX is 4 years for open accounts (credit cards) and for MO it is 5 years. Either way, the SOL has run out on this debt, however I am still wondering which would apply to us since we are military? We claim TX as our home/residence.

Thanks!

2007-04-10 18:42:21 · 4 answers · asked by Anonymous

not like freecreditreport.com where their is a monthly bill

2007-04-10 17:51:06 · 6 answers · asked by Eho 4

2007-04-10 16:25:08 · 7 answers · asked by David S 1

Is there something you can do te reestablish your credit after foreclosure?

2007-04-10 15:40:08 · 2 answers · asked by Anonymous

Okay, i want to apply for a credit card to establish credit, and i want to know what is your imput. What type of card is the best for beginners, and what do you trust?

2007-04-10 14:59:07 · 9 answers · asked by Anonymous

Say a borrower sells their house and pays off the note before the trustee auction date. Will this situation impact the borrower's credit report less severely than a foreclosure that goes to auction?

2007-04-10 13:37:15 · 2 answers · asked by Chuck Z 2

They keep calling me about an account that's not mine. They say I'm a relative, but I'm not. They even asked for my SS#. I refused and asked why my ss# is necessary for someone elses account. The CSR hung the phone up on me. I immediately called back, and asked who the company was, and where they are located. I was going to check them out online to see if they are ligitamet. I'm just wondering if someone was trying to steal my identity.

2007-04-10 13:23:54 · 4 answers · asked by Kristi 2

Collections people have to show proof you owe the debt. What kind of proof would they have?

2007-04-10 13:18:08 · 2 answers · asked by KinWin 5

Its because im trying to shop on amazon and i dont know if i can use that same number to buy things....the stolen one has been canceled

2007-04-10 13:02:09 · 6 answers · asked by fernando c 1

2007-04-10 13:00:33 · 5 answers · asked by latangelamickey 2

I am also a songle mom, if that helps.

2007-04-10 12:41:49 · 4 answers · asked by Jessica B 1

I filed bankruptcy last year, since then a creditor has been calling my friends and family and writing them letters to attempt collection. They have also put a lean against my bank account. Can I sue them for damages?

2007-04-10 12:21:40 · 5 answers · asked by Martyrtoprincipl 2

Will I still be able to pay in installments, or will there be a final amount due?

2007-04-10 12:09:16 · 4 answers · asked by Anonymous

I have a low credit score. If I settle on my credit cards and pay the required settlement amount, will my credit score go up? Thanks!

2007-04-10 11:20:20 · 5 answers · asked by robbie d 1

I was hospitalized in July, 2000 with a stroke. I received one bill in 200 and called the hospital telling them I could not pay because I could no longer work and was on social security disability,. I never recived another bill after that.

Now, almost 7 years later, I received a notice from a collection agency in he amount of $8,5000. I don't have this kind of money and I'm barely getting by on my disability check.

What do I do? Serious answers only please.

2007-04-10 11:07:33 · 4 answers · asked by PLB 2

2007-04-10 10:39:28 · 6 answers · asked by Jennifer D 1

This thing is ridiculous. I pay $375 a month for it, and $145 a month for the insurance i have had it. I want tomove out of my parents house but i can't do it with paying this much a month. Don't even mention refinancing cause taking 20 or 30 bucks a month of the payment isn't going to help. I simply don't want it anymore. What do i do?

2007-04-10 10:25:04 · 9 answers · asked by Chara Pointshot 4

we have no credit history due to paying cash for everything and 2 dealers have advertised as guaranteed financing loing as you own your land.we own our land straight out.is it legal for them to do this?they have turned us down.we have the good income to make payments and pay insurance.thats no problem.were just trying not to get caught up in the credit card craze thats going on.

2007-04-10 10:23:39 · 4 answers · asked by mamanana9 4

I got n an acident and havent payed tha 1st payment so does my credit and the person who co signed for me go bad??

2007-04-10 10:21:54 · 7 answers · asked by Rina 1

I know it all depends upon how severe the deliquency is but there has to be a max time it is allowed to stay on there. What about small things such as small medical bills?

2007-04-10 09:47:27 · 8 answers · asked by ROO! 3

I am an authorized user on a credit card account, and I lost my card. Will I be able to call the credit card company and request a new card be sent to me, or does the primary account holder have to do it?

2007-04-10 09:24:58 · 8 answers · asked by Applejack 1

We recently found out there was a judgement against us for a debt that we actually disputed and somehow they filed it is small claims, it was put before a judge who made a judgement against us for not responding, even though we were never aware that there was even a case brought against us.

2007-04-10 09:04:01 · 3 answers · asked by Tammy O 1