Credit - April 2007

I had a credit card that I let go delinquent in 1999. A while later I made a few payments on it but they were very minimal payments and did not bring it current. The credit card company updated the "date of first delinquency" and now it's showing 2004 on my credit report rather than the correct date of 1999 (which would have fallen off by now). I have managed to get the credit card company to remove it from my report but the collections agency will not remove it. They state that it's the date that the debtor reported to them. It's hard to get any information from anyone as the account was opened with Wachovia Bank and they sold it to Chase Bank and now it's owned by Unifund (collections). I'm trying to get a mortgage and now I'm being denied because of this incorrect information. I've filed complaints with the credit bureaus, both credit card companies and the Federal Trade Commission and nobody can seem to help. Can anyone help??

2007-04-22 03:20:14 · 8 answers · asked by Jim S 1

I have something on my credit that has a last activity of dec 2000. I live in MI. do I qualify for SOL? How do I go about doing this if I qualify?

2007-04-21 18:34:29 · 3 answers · asked by confusion_in_transition 2

2007-04-21 18:09:35 · 11 answers · asked by Caribou 6

i'm an immigrant, an no job yet

2007-04-21 18:04:44 · 10 answers · asked by wish 1

*Sigh. Somebody please give me some good advice. So, I make between 18 - 19 / hr at about 35 hours a week. That is a total income of $1900 a month. I messed up once in my past three years ago and my credit score is now 597. I have a history of repossesion (redeemed). I currently only have 1 credit card thats interest rate is a whopping 16%. I owe $3300 on the credit card and is currently making only minimum payments. No credit line increase on that card obviously. I have one auto loan that's interest rate is about 13%. I am making payments of $120 on that. About 85% goes to the principal. I have $2900 left on that loan. Meanwhile, yesterday, my car broke down and it turns out my transmission is done for. Meaning, because I still have not finished paying my loan, I cannot sell the remaining unworking car and I still need insurance on the car due to lender regulations. However, I need a new car. Any advice on consolidating loans or debt management? or whatever?!!!

2007-04-21 16:58:16 · 5 answers · asked by Meng S 1

2007-04-21 16:29:42 · 4 answers · asked by beerman42379 1

I am in a dispute with a collection agency regarding a discrepency about the amount I owe. I sent the collection ageny a letter threatning to validate the info or I will sue for posting unvalidated info on my report and cc'd the credit agencies. they were calling me at my home and my job everyday for two weeks and now they have stop calling as of thursday. I'm kinda nervous because I need his to be deleted off my credit report for a mortgage. I know they have 30 thirty days to respond it's been two weeks. What do you guys think is going on?

2007-04-21 15:30:31 · 4 answers · asked by KinWin 5

I have heard it could scr*w up my credit history?

2007-04-21 14:47:48 · 14 answers · asked by GlowiDark 2

And what is the result of these differences?

2007-04-21 14:07:01 · 2 answers · asked by stockmarketwiz21 2

Please get back to me with how much I owe and why I am not getting a bill

2007-04-21 13:25:00 · 3 answers · asked by Lori J 2

NATIONAL CITY BANK sent me a GUARANTEED SECURED Credit Card Application but they seem to want alot of money and info about me UP FRONT. Has anybody heard if they're a ripoff?

2007-04-21 12:54:20 · 6 answers · asked by . 7

2007-04-21 12:35:59 · 9 answers · asked by bignati05 1

will a payment made on april 22nd change my credit score by june 4th?

2007-04-21 12:09:15 · 3 answers · asked by rob f 1

is there a default pin number with your card when you get one or do you have to activate it first??

also, what is the phone number to call to activate a visa bank of america check card?? plz help

2007-04-21 12:04:48 · 8 answers · asked by shanestewart22 1

studying macroeconomics

2007-04-21 12:01:10 · 2 answers · asked by Col 1

I have got a check it looks real for 2,940.00 dollars it is from Latex Finance Inc they say i have won 50,000 and the check is for help in paying some of the fees,from what i have found out this is a scam but i was wondering is there anyway i could cash the check and have it come back on them.even if i go to the bank and turn around and give them the money back. i would rather keep it though lol

2007-04-21 11:16:14 · 9 answers · asked by tomlaw 2

but dummy me i wanted a credit card because i have bad credit. but i didnt read that they charge a one time fee of 100 dollars and a ten dollar maintenance fee monthly and if i pay the bill on internet they charge you a 7 dollar fee its just crazy, its from applied card bank, what i want to know is do i have to keep the card when i receive it in about 2 weeks or can i just throw it out before i activate it

2007-04-21 09:51:49 · 4 answers · asked by hooya 3

Okay, here's my situation: I have 7k I put on a 0apr till 08-08 but my husband's is out of control. He has three cards totalling 22k alone. One is at 4% that has the highest balance the rest is at least 15% with 5k in one and 3k in one. Financial geniuses this one is for you!!!!

2007-04-21 09:49:30 · 8 answers · asked by Anonymous

2007-04-21 09:32:45 · 8 answers · asked by peerezboyz 1

i am a overweight woman who is desperately trying to recieve the lapband surgery that i believe will ultimately save my life. however i keep hitting a wall. insurance wont cover it and due to circumastances beyond my control my credit is not so good right now. i am working on it but have not gotten it to the point that i can aquire financing on my own. i really don't know what else to do. i know this sounds crazy. i lost my daughter 2 and a half years ago while i was in the process of going through the hoops for the insurance company. as you can imagine after such a loss i lost my focus in dealing with this problem. now i have another child and a teenager and i want to focus on them and myself by getting healthy, but now my insurance will not cover the procedure anymore. i'm feeling a little selfish in doing this, but at this point i am desperate. if i can come up with the money i can have the procedure done in a matter of weeks. just thought i would try, thanks

2007-04-21 09:30:25 · 8 answers · asked by Anonymous

2007-04-21 09:26:37 · 4 answers · asked by lollyland21 2

2007-04-21 09:20:39 · 2 answers · asked by cinderella4653 2

I basicly want to know how one works, what APR is, Balence tranfers etc...cos im thinking of getting one but dont want to untill i know full facts

2007-04-21 09:19:08 · 6 answers · asked by ? 6

2007-04-21 07:32:46 · 6 answers · asked by joop14344 1

2007-04-21 07:31:01 · 13 answers · asked by emigirl6363 2

I'm 19 ... The problem isn't that I have bad credit ... It's that I have NO credit. I want to put a down payment on a street bike since I have grown up around bikes all my life and have taken all the safety classes. I do not know of anywhere to go to get a decent bike. I've seen on commercials all the time "No credit? Bad Credit" but it's all for cars ... Anyone know of a place that will allow me to get a bike with no credit. I've got the money but I don't want to pay for one in full. Thanks in advance!

2007-04-21 06:47:52 · 7 answers · asked by Chance H 1

I have two bad debts on my credit report that are about $5000 and I want to pay them off to get my credit score up but how do I pay them if I don't have the money? How long does it take for it to be fully removed off of your credit report? I am really trying to increase my score and pay some things off but it seems so hard when you have some balances such as this.

2007-04-21 05:58:18 · 1 answers · asked by tine105 1

Will settling my credit card account hurt my credit report?

2007-04-21 05:40:07 · 4 answers · asked by Joe B 2

There were some unpaid medical bills that were sent to collections on my credit report. After about two weeks I finally got them to realize those charges were for someone I did not even know. They said they would contact the collection company to have it removed from my credit report. I am looking at buying a new car and those two collections dragged down my credit score. How long will this take to be removed?

2007-04-21 04:20:11 · 1 answers · asked by e.sillery 5

days so i paid of my credit cards and it took alot of money out of the bank was this a good or bad thing i still have enuf in the bank to cover two months payments

2007-04-21 01:35:45 · 5 answers · asked by stevenzepke 1