Credit - April 2007

I know this sounds like a bad idea but i need to come up with 5-10,000 very quick and conventional methods have failed me so any help would be much appreciated. Thanks

2007-04-30 00:19:18 · 4 answers · asked by Anonymous

bank card
debit card
wells fargo

2007-04-29 17:51:44 · 7 answers · asked by jason g 1

2007-04-29 16:56:03 · 4 answers · asked by natureluv047@verizon.net 2

i have two credit cards which belong to the same bank. is it advisable to consolidate both the accounts and keep the one with the lower APR. in this process the other one gets automatically closed and the credit limits are added into the one account. is this process likely to affect my credit score in any way?

2007-04-29 16:44:48 · 6 answers · asked by funshine 1

rebuilding my credit. I would like to have credit good enough to buy a house at the end of the year. I make good money at this time in my life. I have no open activity on my credit , i do have a checking account. I think my credit score is about 480-500.

2007-04-29 16:39:17 · 6 answers · asked by kansasgirl66542 1

Is their one credit reporting agency that is more commonly used than the others? I am just curious because one report is significantly higher than the others and it doesn't show any negative activity. The other 2 have the 4 late payments I have had in my entire life, and yes, they have definately killed my score for those companies.

Also since those late things are over 1 and 2 years old, is there any chance the one agency that doesn't have them will at some point get them?

2007-04-29 16:16:11 · 6 answers · asked by uhohwhatswrong 2

I am just curious if it looks like what the ones I get when I check it myself, or if there is a different format for formal credit checks.

2007-04-29 16:11:06 · 5 answers · asked by uhohwhatswrong 2

I want to get a debt conso loan from the credit union I just joined. I have a fair credit score of 645-650 depending on which credit report you pull. However, I also have a delinquent cell phone account for $1500 thats about 6 years old. I'v applied for a similar loan at bank of america but got denied due to the delinquent account. I would really like the loan to pay the delinquent account and my credit cards off. What are the odds of me getting the loan at a credit union?

2007-04-29 11:40:05 · 0 answers · asked by JY 2

2007-04-29 11:38:58 · 7 answers · asked by dizzy76 3

i have no credit history whatso ever and i just started my job.

2007-04-29 10:36:18 · 8 answers · asked by meshop4me 1

I'm tryin to sell my house in Michigan. We have had it up for sales for 2 months, and had only one showing. We can't lower our asking price any lower then it currently is without having to come to closing with money. (that I don't have) Since our realtor already lowered his commission he suggested talking to our mortgage company about a short sale. What is your opinion?

2007-04-29 10:14:38 · 3 answers · asked by Kristi 2

3 phone calls to Capital One today. Ist established no voiding. 2nd established debt was .10p (10 english pence) for which I have been charged £24.28. Was offered one deduction, accepted. Went to pay and told if I paid, tomorrows late payment charge will be added automatically. 3rd call I paid 'in full' the £24. Tomorrow I get another £12. The total ludicracy of this was acknowledged by at least one 'operator'. I had cleared a balance but unfortunately last payment of c£5 was late, hence a debt of 0.10p. I have paid the 2 late charge payments but now get another tomorrow - I cant really believe this - can you? My operators were from remote call centre and two were reasonable - I got a name for a manager but would like to know - are these legally inforceable and any advice please. Will pay yet another £12 this month - but for 0.10 p I shall forever rankle about it. Got little support from family and friend so hence I am asking you. Thanks very much for reading this.

2007-04-29 09:32:57 · 13 answers · asked by Anonymous

2007-04-29 09:08:35 · 11 answers · asked by Jennifer 1

telling everyone you know and even some strangers who happen to answer the phone at a family members house all about your debts and personal info????I understand that it was wrong to avoid the phone calls but I just think this may be crossing the line! Is this not a breach of privacy?

2007-04-29 08:45:32 · 6 answers · asked by pauljmakela 1

scenerio: $17000.00 in debt.. using a consolator... not seeing a difference in balance goign down. Own a morgage. Just got a approved for a $13000.00 loan to consolodate. Should I call each creditor and find out if they can lower my balance if I pay off a large chunk of the balance? Hmmm any info?

2007-04-29 08:36:01 · 5 answers · asked by Bobby T 2

To long of story but, now I can't afford 180000 morgage as I live SSDI for 14 years. Any suggestions? I got my score up there for home improvements. I just can't afford the payment. Does anyone help people that got taken? Thanks Oh they take but, will anyone take proof that it was up there two months ago.

2007-04-29 08:07:22 · 1 answers · asked by Anonymous

I understand the banks stance-but am in a catch 22 situation -

2007-04-29 08:06:18 · 8 answers · asked by Anonymous

2007-04-29 08:02:54 · 1 answers · asked by hockeynrfi 2

will that help my credit. Her score is 750 and mine is 678. Another thing, will the credit card company report the credit history and card limit to me credit report.

2007-04-29 05:54:46 · 4 answers · asked by bob b 1

I have a CA calling me about a charged off CC debt. I sent a certified validation letter to a collection agency. I have not heard back from them. What is my next step. Do I wait on validation. If they do validate, Do I make a payment offer in writing? If it gets to this, what do you do if they refuse payment?
The man from the agency left a message on my machine and said "your either have two choices 1. you can call me back today or 2. I will turn this back over to the creditor and you can suffer the consequences. He also said that I could not file bankruptcy or work with a counseling agency because it was too late for that. With a second message he treatened to sent it to a law firm (in Georgia) and have me served with papers. My 30 days is still not up to request validation. I know they recieved the letter (I got the green slip back a couple days ago)
If anyone has ever been in this situation, please advise.

2007-04-29 05:12:22 · 16 answers · asked by ssmc 1

Only # I can get for Experian Credit Reporting Agency is an automated mechanical voice system at 888-397-3742. I need to talk to a REAL LIVE PERSON. There has "got" to be a toll free number for this. Anyone know what it is?

2007-04-29 03:26:40 · 13 answers · asked by mrhalloween17268 6

i want to sell my ebook, but i only have an ATM, paypal doesnt accept ATM's i cant open any credit card because i dont have any money. what should I do?

2007-04-29 03:01:55 · 3 answers · asked by Anonymous

I am a member of Bank Of America and I recently deposited cash into a Bank Of America ATM machine. Usually, it shows up immediately when i check the balance online but for some reason, it hasn't come up yet. Is this normal? Does it sometimes take a while for it to show up? What should I do?

2007-04-28 20:22:57 · 6 answers · asked by BangBang 1

I need to build my score back up and I know that some stuff on your report, payin bills on time, having income to dept ratio, and maxed revolving loans effects that, but I was just wondering what other things that I could do to raise my score. I was laid off work in 2004 and was struck by Katrina in 2005 and between those problems mine and my husbands score has fallen from an 800 to below 600. We have been paying all our stuff on time and do not have maxed revolving credit, I have a full time job again and still our score will not come up what should I do?

2007-04-28 17:59:08 · 4 answers · asked by treys girl 3

my card is a metro bank, ATM cirrus Maestro. Is their any other website like paypal? thanks

2007-04-28 17:55:45 · 2 answers · asked by Anonymous

I am a 55 year old woman that wants to re-open a business my husband had until he became disabled 7 years ago. I have no credit in my name. I have machinery and office equipment for my only assets.

2007-04-28 15:45:48 · 3 answers · asked by PET 2

I heard if you pay the collection agencies a dollar they cannot report you to the credit bureau, is this true? I heard you should dispute everthing at least once , it just might get deleted. I should ask anyone I pay a bill to to report to the credit bureau if in good standing. I heard not having any inquiries raises your credit score?
Can you talk to someone directly at the credit bureau about your score and possibly rasing it when you have paid off debt? Is your profession figured into your creidt score in any way ex being a doc vs, nurses aid?

2007-04-28 14:38:46 · 9 answers · asked by nene 3

We are getting financed,the underwriter wanted us to have something removed from our credit report that wasnt ours,and wanted to add me to the loan with my 1099's.I am self employed.We did all of these things.Well my loan officer called and told us we are approved but with conditions.Well we won't know the conditions until Monday morning and we are supposed to close on Monday at 4! What are some things they might be asking for??

2007-04-28 13:55:31 · 3 answers · asked by mgirl 2

I pay for a credit monitoring service every month. March 1st I opened a new account, and expected the service to notify me of the change, since they have no proof I was the one who opened the account. Typically how long does it take a credit monitoring service to discover changes made on an account? To my knowledge they only work with one bureau, not all three. I have not called them because I want to see if they ever notify me. If not, I'm closing the service and requesting a refund.

2007-04-28 13:05:19 · 5 answers · asked by StartingOver 2

2007-04-28 12:32:24 · 11 answers · asked by stantx5 1