Credit - April 2007

I am 27 and am in debt to the tune of 5000 dollars. I really want to fix my credit and get myself on track but I have no idea where to start. I want to raise my credit score it is at 536 right now. Does anyone know how to do this in less than a year?

2007-04-09 09:27:03 · 5 answers · asked by Anonymous

I am a Canadian male who made some bad moves that cost me dearly. I need a loan I now have a good job but need to consolidate. I can repay the loan but no one will look at me because of my poor credit. What do i do?

2007-04-09 08:12:41 · 0 answers · asked by greyhairca 1

2007-04-09 08:09:39 · 4 answers · asked by just a guy in this world 1

I am in need of $5000.00 from an individual. I am do money from a previous employer in 60-90 days but need the money immediatley. Will gladly pay a very high rate of intrest to get this accomplished. Pay day loan will not help and I can't get use traditional sources due to previous credit issues. Can anyone help me? Trying to save my house and car. Working again but first check not due in until 3 weeks. Help Please!

2007-04-09 08:09:39 · 6 answers · asked by big_cat_1999 1

2007-04-09 08:04:31 · 2 answers · asked by Beni 1

I received a letter from a debt collection agency this past December. Because I did not recognize the debt, I disputed the item and asked for detail on what the debt was for (in December). I never received a response and followed-up in February, to which I also received no response. About three weeks ago, I sent a certified letter requesting the same information and have yet to hear from the agency. Then, I noticed on my credit report last week that they have reported this debt. Can they do this? Do I have any remedies under the law?

2007-04-09 06:51:03 · 9 answers · asked by mindthetwine 2

Hello,

When I was in college, I took out a loan and paid it late. Today, I see the late payments on my credit report. The real kicker is that (1) it is my one and only blemish, (2) it happened a long time ago, and (3) I have paid every other account on time and as agreed since the year 2000.

Does anyone know any tricks that can be used to get these negative remarks removed from my credit report? I don't care if it's a dirty trick; I would like to at least try it!!!!!!

Thanks!


(By the way, the loan has been completely paid since 2003.)

2007-04-09 06:06:50 · 3 answers · asked by Turd Ferguson 2

Charge account from 2000, will be off my credit report in 10/07. The pay status is listed as >Charged off as Bad Debt< and the remark is >Profit and Loss writeoff<. I have never received any calls or letters froms creditors or collection agencies, and 7 years is almost up. Should I even bother paying this debt at this point? Can a debt that is no longer in your credit report effect any future lending like a home loan?

2007-04-08 18:26:52 · 5 answers · asked by andy211 2

I want to know where to report about that company,and inform for everyone know .

2007-04-08 15:33:16 · 3 answers · asked by lamdien2000 1

I totally disagree with it, and have fought it repeatedly, but the creditor and the credit beaureas wont budge. Its been almost 4years. If I pay it off does it help my credit in any way? Ive been told it could actually potentially harm my fico score and lengthen the period of negative reporting, if I pay after all this time, as the clock is supposedly reset when I pay and wether I pay or not its been there so long it has already done the damage? Any thoughts on this?
AlsoI filed bankruptcy in 2002, which was primarily due to suffering a medical illness and being unable to pay my bills. Is there any way I can add this to my credit file and would this help improve my fico score or should I just wait. And finally I asked before about secure credit cards. I got a few responses but they werent too helpful. Anyone know of a good secure credit card I can get that wont report to the credit beaureaus as a secured card?
Thanks for your help.

2007-04-08 15:05:56 · 8 answers · asked by gokesemail 1

We're supposed to make a payment of $250 but can only afford a smaller payment... (The car is collateral for a loan we took out to pay off our older bills.)

2007-04-08 14:43:28 · 6 answers · asked by hmm 5

2007-04-08 14:37:01 · 5 answers · asked by spellbound_us 1

What if you have three different credit scores from experian, transunion and the other one. Which score will finance companies look at for auto loans?

2007-04-08 14:33:18 · 14 answers · asked by Anonymous

From the same bank?

2007-04-08 13:30:16 · 5 answers · asked by Steve 3

how long would it be for the credit agencies to update my file to "Paid",and how would that affect my credit

2007-04-08 13:18:13 · 2 answers · asked by Foxtrot 2

2007-04-08 13:02:05 · 1 answers · asked by ry s 1

If so i would like to talk to you, i want to start my own credit repair company but not sure about all the technicalities. I help repair credit as of now but on the side out of my house, usually on the weekends.

2007-04-08 12:57:01 · 4 answers · asked by Gengis 6

I need to improve my credit score within a six month period in order to refinance my home at a better rate than the one I currently have. My loan to income ratio is high because I am single and on a fixed income but live with my boyfriend who has income, but no credit. Specifically, we signed for an auto loan together hoping for a better rate even though it was purchased with the intension he would be making the payments from his pay. I prefer to remain on the title, as it is, because I provided the down payment. The problem I have now is that on my credit report this auto loan adds an additional and hefty liability to my already stretched debt to income ratio. Any way to improve this outlook for my credit score? One reporting agency shows the loan as a "joint" account, the other as a "co-signed" loan. Do they effect my score differently? It has created stress between us because if he pays late, it's reported on my account. Any ideas besides selling or splitting up?

2007-04-08 12:23:22 · 4 answers · asked by Pookie 1

2007-04-08 11:50:11 · 4 answers · asked by mr gogetit 1

2007-04-08 11:14:30 · 2 answers · asked by Donald Y 1

what is the best card to have from american express?

2007-04-08 10:54:20 · 5 answers · asked by John B Harris 3 1

2007-04-08 10:48:08 · 9 answers · asked by You didn't know? 1

They say they will not accept cash or 3rd party checks. Looks like they try to delay full payoff. Yet this would seem to violate interstate commerce law.

2007-04-08 10:34:08 · 3 answers · asked by Maldives 3

I've been curious; I've seen people with $15 and $20,000 in CC debt get sued, but that led me to wondering what, under "normal" circumstances, is required before a CC company would sue a cardholder? Seems much under $2,000 isn't worth it, or is that wrong? Is a debt buyer who acquires a debt once the CC company charges it off more likely to sue?

2007-04-08 10:32:59 · 7 answers · asked by AJH 2

the process can take up to 18 months, what do you do until then, would a structured settlement company be the answer?

2007-04-08 09:52:32 · 2 answers · asked by Ray S 2

I had a card that total $14,000+/-. I haven't paid anything on it in 4 years. I was contacted a number of times from the collection agencies but I couldn't do a payment of $3,000 over the phone and then three monthly payments of $3,000. The first of those three payments would have been due two weeks after the over the phone payment.I offered them what I could afford to pay on a monthly basis but they refused. I live check to check so what do I do now?

2007-04-08 09:46:28 · 4 answers · asked by Anonymous

i have no money untill tommrow when i get paid. am i able to use my check card with no funds at like a walmart for some pop and stuff untill i am able to put th emoney in my account... kinda like writeng a check without haveing the money but knoing ur gona cover it soon. are u able to do that i dont want to emabrres my self and go in a store and look like a fool

2007-04-08 09:12:52 · 8 answers · asked by torque_740 1

My son kept getting offers from different companies and he signed up and was given a liberal credit limit. He had a good job at the time, but has been laid off now and can't pay even the minimum. We get about 5-10 calls daily from different collectors. Do they ever write off the debt?

2007-04-08 09:00:20 · 12 answers · asked by cookie 1

2007-04-08 08:07:03 · 1 answers · asked by safdarzaidi1942 1

i keep paying the minum how can i pay it off quicker ? and how can i make money to do so? i do sideline jobs etc but need to make even or should i do pay surveys or mystery shopping? its stressing me out

2007-04-08 08:01:32 · 10 answers · asked by dvcgurl 7