Credit - May 2007

2007-05-16 12:00:34 · 13 answers · asked by Anonymous

Car payment due on the 7th of each month via ACH from checking acct. On 3/7, ACH was returned due to insufficient funds. Attempted to pay Honda Finance this money ($324/mo)online but wouldn't allow me to establ new ACH acct for a 1 time payment. Payment screen was unclear and deceptive where it automatically added the late car payment plus $30 fee for a grand total of $688 as of 3/7. Under this total was a box that stated "ADDITIONAL AMOUNT TO BE PAID". Next to this box had these words italicized "In addition to the scheduled ACH payment". The "scheduled ACH payment" that was shown was $688 (2 months). Knowing I didn't have 600, I waited until the 6th of April when I had extra money to cover just in case it was going to charge $688 instead of $324. Transaction successful only taking $324, with separate ACH for regular monthly payment. Car company reported late because paid on 6th, which is the 30th day. They refuse to remove this transaction given the circumstances. What do I do?

2007-05-16 11:34:23 · 4 answers · asked by Anonymous

I recieved a credit card offer which says 4.9% APR until the balance is paid off. What does the APR letters mean? Please explain.
Is that a good deal?

2007-05-16 10:42:29 · 4 answers · asked by happydawg 6

When I first began building credit my mom helped me by adding me as an authorized user on her gas cards, which helped me get my first credit card and established credit.

After about 11 months of having good credit, I've built up a nice credit report and I'm now eligible to be approved for my own gas cards.

Is it a good idea to remove myself as an authorized user on her cards and apply for my own or should I keep myself as an authorized user on hers?

Im on three of her cards, the one with the longest history has 11 months on it, the other two are 8 and 9 months?

How much will it effect my credit score if I removed myself from her cards and apply for my own?

Note:

Neither of us EVER missed a payment. Her credit is Good, and so is mine up to this point.

2007-05-16 10:41:15 · 6 answers · asked by eXp 2

2007-05-16 10:01:21 · 2 answers · asked by stevenzepke 1

My 21 year old son is trying to buy a home, and today he went to a bank to talk about what his options are. He has an excellent job history, but has never had any credit or bills other than for his college courses, phone, utilities, insurance and one credit/debit card. It was quite a shock when the bank produced a credit report that said my son owes over nine thousand dollars in unpaid medical bills! My son has had few medical needs, since his worst incident was a car accident when he was a minor, but that was completely paid by our insurance company. He's had no other major medical need, and on everything else, our insurance or his college insurance covered him. One loan officer also said that even if it is proven in court to be inaccurate or false, it will still always remain there the rest of his life as a blemish on his credit. Does anyone know if there is a government agency that oversees wrong or false reporting against a person? To me, this seems to be libel.

2007-05-16 09:41:57 · 7 answers · asked by ­ 6

i tried to get a bank account from first bank but was turned down cause of chexsystems.

2007-05-16 09:33:39 · 5 answers · asked by regboi45 2

2007-05-16 09:27:42 · 1 answers · asked by Rayvin 2

How safe is it to send cash by mail? i am thinking of sending my nephew a $50 bill in the envelope with a B-day card.

2007-05-16 09:05:30 · 10 answers · asked by Thank You 1

I was wondering about this for a long time now. I have subscribed to a credit monitoring service and I have access to my credit report and credit score. But what about bank accounts. These are not reported on the credit report. How would I ever know if someone has stolen my say SSN and used it to open accounts.

2007-05-16 08:32:20 · 2 answers · asked by Yasmin 2

I have outstanding credit card bills and have been unable to pay at present. Now the debt collector is threating to put a levy on my assets. Does this mean my checking account? If so, can they do this? I get my disabiltiy checks direct deposited.

2007-05-16 06:38:52 · 5 answers · asked by sad 1

I'm being sue from a creditor 1 month before the statue runs out is this possible.

2007-05-16 05:41:27 · 10 answers · asked by Anonymous

I am getting a divorce and my ex is going to transfer the balances to his card, is that going to negatively affect my credit because it will go from a $2500 balance to $0 overnight?

2007-05-16 04:13:01 · 8 answers · asked by chels929 2

can someone please tell me what a wholesale is plz ta.

2007-05-16 03:01:32 · 4 answers · asked by pattigunnel@btopenworld.com 1

I have just been accepted for a mortgage and as the bank are lending me 100% they will not add onto and consolidate some other small debts that i have got.
The debts i have got arent dreadful but come out of my account all thoughout the month and i never know where i am although i have never missed a payment.
I have since tried for a loan with Northern Rock and got turned down and then a week later i tried my own bank and have just been turned down again.
The mortgage is still going through (although paperwork been signed and accepted) and the property im purchasing still isnt in my name. I am just a bit lost as to why i am now being refused a loan when i have just recieved a mortgage.
Can anyone put light on this for me? Has this happened to anyone else?

2007-05-16 02:57:46 · 5 answers · asked by Anonymous

I live in Ohio and I was curious on what the SOL is on delinquent accts. I have one that is 10 yrs old and I haven't paid on it in at least 5. What options do I have?

2007-05-16 02:46:22 · 3 answers · asked by gusman20 1

2007-05-16 02:27:34 · 7 answers · asked by st0rmchaser76 1

Just divorced and need to refiance do to Ex but close to foreclosure.

2007-05-16 01:13:10 · 3 answers · asked by M L 2

I have a couple of credit card charge offs. How can I start to rebuild my credit? should I make a settlement on those credit cards, or should I pay off the entire balance? How will each affect my score? How do I get those inquiries off of my credit report that drag my score down?

2007-05-16 00:57:45 · 9 answers · asked by BRONSON M 1

I applyed yesterday and was accepted. However its not showing on my credit report as a search, does this normally take a few days/weeks???

2007-05-16 00:49:19 · 5 answers · asked by kieran m 1

Thank you!

2007-05-15 21:02:44 · 12 answers · asked by NT 2

2007-05-15 19:14:13 · 6 answers · asked by Kitkat 1

2007-05-15 18:54:42 · 6 answers · asked by Kitkat 1

The debt collector called me many times a day. Then they started calling my mom's house, and my brother's house. They demanded a payment...if I didn't give them the amount they came up with over the phone, they threatened to sue me. I asked them to cease and desist, but they kept calling. Finally, I gave them the amount they asked for over the phone. I was relieved.

A short time later, they sold the debt to ANOTHER debt collector. When I dispute this with the three bureaus, it goes off of my credit report, and then it reappears a few months later. The amount is getting out of hand! How do I get this item removed from my credit report? I have my canceled check of the exact amount they asked for over the phone, but now this debt is in the hands of another creditor. What do I do? Thank you!

2007-05-15 17:38:29 · 9 answers · asked by Michael H 2

My mom and uncle are on the title, and nothing is owed on the house. She said she'd add me if it'd help my credit (which it won't), but couldn't it help if I applied for a mortgage? Would my uncle also have to agree to adding me to the title?

2007-05-15 17:06:56 · 5 answers · asked by PlasticTrees 2

1 week before Katrina I took out a pay loan from ace cash express. When I took out the loan I had a job and fully intended on paying the loan back. With Katrina I lost my job and most of my belongings. The store that I got my loan from went completely underwater along with several other ace stores in New Orleans. I only work part time because I am taking care of my bed ridden mother. A collection agency is coming after me to repay the loan.

My question is because ace cash express stores were damaged during Katrina did they receive and insurance bond that covered the loans that were due.

2007-05-15 15:21:46 · 6 answers · asked by cebou725 1

2007-05-15 15:09:37 · 3 answers · asked by mamacat78 2

2007-05-15 13:42:00 · 6 answers · asked by Peter R 1

2007-05-15 13:38:10 · 5 answers · asked by psychoguitar666 1

2007-05-15 13:00:10 · 8 answers · asked by Avery T 1