Credit - May 2007

2007-05-08 04:27:45 · 9 answers · asked by slutluva 1

I let myself get sucked into this quick said, If I close my checking account and then promise to pay them within 30-45 days what will happen. The interest is killing me. I can pay them off within 30-45 days if I'm not paying the darn interest. I'm in California. They have signs saying they cannot use the Criminal Process for collecting their money.

2007-05-08 04:00:52 · 9 answers · asked by buckwildco 1

I've heard that "baddies" stay on a credit report for 7yrs from the date of first delinquency.

In 2002, I had a Visa lateness recorded on my credit report. Next to the lateness, it said "due to stay on credit report until 3/2005" which is only 2.5yrs not 7. Then in spring 2005, the lateness vanished from my credit report! (hooray!)

But in early 2005, I fell into financial problems again(job loss) and a few more 30day credit card latenesses got recorded on my credit report. In the past month, one of these 30day latenesses has vanished from my TransUnion report, along with any mention of the account(which is a good thing, since it's been closed and was only open a short time anyway; the account was not beneficial to my Fico score)

I was wondering if the remaining 30day lates will disappear from my report once they hit the 2.5yr mark? Or, have the credit reporting regulations changed since 2002, and I will be stuck with them for the next 4.5yrs? Any experience w/ cc lates?

2007-05-08 03:45:28 · 5 answers · asked by lightning_strikes 1

2007-05-08 03:41:50 · 1 answers · asked by lisa l 1

I have had apartments in the past with my daughters father and he ran my credit into the ground. I am now a single mother that lives with my mom and she and I are ready for my to move out. I don't have alot of money to spend on rent and I have had past instinces with apartments such as breaking leases. What should I do?

2007-05-08 03:39:02 · 8 answers · asked by daisygirlsgp 2

Was a college student & didn't pay my bills.

2007-05-08 03:18:23 · 8 answers · asked by real2me 1

for anyone to reclaim their charges? It has been 6 months now and he still hasnt heard anything.

2007-05-08 02:53:50 · 8 answers · asked by Anonymous

2007-05-08 02:52:51 · 4 answers · asked by josh p 2

-I got a Collections letter today for $50!? It's an overpayment from a past insurance company. Date of service was 11-6-2005 for a medicine prescription.

----------------------------------------------------------------------------------- Nobody ever informed me of coverage termination prior to my pharmacy visit on 11-6-2005, but THEY WIN because even though I did not terminate coverage, they have proof of my employer (mistakenly) terminating coverage.
--------------------------------------------------- I can't sue my Federal Employer ( the TSA) , but I won't pay a dime!

-- Can anybody tell me:
------------------------------------------------------------------------ Will they serve me papers to go to court for $50 Will I have to get a lawyer? How much will I be spending on lawyers and court costs?
----------------------------------------------------------------------------------------- If I have nothing to worry about legally; will my credit score of 819 realistically be hurt

2007-05-07 22:10:05 · 9 answers · asked by Laszlo D 4

Why do so many people fall for cons like this?

http://uk.answers.yahoo.com/question/index;_ylt=AqacpTiAvNeGKqbKiCcjMYcVCAx.?qid=20070507150100AAUFQp1

I expect a load of con men offering loans will post replies to this, proclaiming they are legitimate lenders!

2007-05-07 21:57:47 · 3 answers · asked by brian t 5

She refuses to pay them and she won't even answer the phone when he calls. After he put her through 5 years of college and paid everything with our money. It's getting quite serious now as he is still paying other bills for her. She is the manager of a store and works 10-12 hours a day , 6 days a week making good money.

2007-05-07 18:12:06 · 5 answers · asked by debbie2243 7

After they sell the account dont they have to remove it from your credi file since its no longer their account?

2007-05-07 15:57:05 · 6 answers · asked by Luckys Charm 4

I was charged incorrectly at a hotel. The hotel agreed. They told me it will take 5-10 business days to see the credit on my card.

I want to know why such a LAG? It seems if they can instantly take the money off of the card, why can't they replace it with the same speed?

2007-05-07 15:35:15 · 4 answers · asked by csucdartgirl 7

2007-05-07 14:25:26 · 4 answers · asked by bac2good 1

How does that work? When businesses pass off their delinquent acc'ts to collection agencies, are they technically "selling" that account to the collection agency? Do collection agencies "buy" accounts from businesses? Do they pay a fee to businesses to open legally open acc'ts and collect debts?

2007-05-07 13:51:34 · 4 answers · asked by Anonymous

Can someone co-sign on a home loan, like you can with an auto loan?

2007-05-07 13:35:46 · 3 answers · asked by Anonymous

I owe tuition to a school that I never attended (never dropped classes so I ended up owing them). They've passed my acc't on to a collection agency. If I can get the school to vouch that I never attended school that semester, will the collection agency close/cancel my account? I spoke to a rep at the coll. agency and she insisted that there is nothing I can do. I'll end up owing the money anyway. What can I do? Can I dispute this? How do I handle this?

2007-05-07 13:32:58 · 6 answers · asked by Anonymous

I have bought and sold 1 home and currently own a home. My wife and I use credit card for as many purchases to gain cash back as we can but pay off at end of month. Bills are always paid on time. Some "old dogs" credit cards still appear open on my credit report but no balance, etc. What is the "cutoff" credit score for getting the best mortgage rate possible?

2007-05-07 13:10:51 · 4 answers · asked by Patrick E 2

i have good credit and after doing an aplication for a third credit card it says i have to wait 30 days.

arent their banks that can approve you in minuets? or is it becuase i also made a request for a balance transfer for 0% for 12 months?

2007-05-07 12:55:24 · 4 answers · asked by beach_babe971 2

http://news.yahoo.com/s/ap/20070507/ap_on_bi_ge/auto_loans_race

Isn't this a very small sample, and with very vague information upon whom was sampled, to reach such a blanket conclusion? What was the deviation in the sample? The ages? The location? Are they Sure it is racism or were there other unreported factors?

2007-05-07 11:23:50 · 5 answers · asked by guyin559 2

My husband and I are trying to find a lender for people with bad credit that just need a fresh start. We have had several responses from applications, and all have been scams. I would like to know if this place is a scam as well.

2007-05-07 11:19:20 · 2 answers · asked by Lisa V 3

I did a stupid thing. I noticed loads of people on yahoo answers recommened richards_loan_agency and said they got a loan of him.
I conacted him and he said he wanted £80 upfront for non collectral fee, so I gave it to him, he then said 4 days later my loan has been aprroved but I need to pay £110 bank transfer charges, I gave that to him. Got my hopes up today thinking I had got loan and it was being wired into my account. Only to find out he wants another £100 pound of me.
How do i get him reported for being a SCAM ARTIST!
Is their any geuine loan lenders on here, that won't rip you off. I have been in touch with dharrin@yahoo.com he's from Italy and sounds geuine on the phone, but STILL WANTS MONEY UP. Reason I need loan is because I have no money.
Please let me know how I can report these loan lenders.
Thanks

2007-05-07 11:01:00 · 9 answers · asked by Anonymous

I've heard it called Auto Pass. I just need to get new tires for my car... anyone know of a good card. I do have positive credit but not a lot.

2007-05-07 10:52:23 · 6 answers · asked by Anonymous

2007-05-07 10:09:05 · 10 answers · asked by Anonymous

2007-05-07 09:08:04 · 5 answers · asked by Anonymous

A. Catering experience
B. A degree in catering
C. Cooking talent
D. Training

2007-05-07 09:06:05 · 1 answers · asked by Anonymous

Back in December 06 I got a credit line for $3000.00 Paid all bills on time even paid more then the balance. 3 months later in March'07 Capitol one increased to 3,500.00 O.K. so I look on line to review my account and my credit line is $2381.00. I called and they said well it was never suppose to be 3,000 only like $1800.00 I aid you sent me a letter in march sataing that it's 3500.00 , the represnative said sorry, there's nothing I can do. A letter was sent in February explaining the error. I said but you sent me a letter in march explaining the increase. what is my recourse

2007-05-07 04:55:29 · 4 answers · asked by KinWin 5

sale of a house that belong to her sister. There was no will, my mother-in-law was the closet living heir, but there are 3 nephews so it is going to split 4 ways with no problems. The only question I have is this money going into my mother-in-laws account and them taking away her some of her social security and health benefits. I have a lady that inhereited 100,0000 and they took everything aways from her until now it has dwindled down some and their giving her back $400 social security but she's still haveing to pay for her health insurance and meds until money is all gone. Is there a way my mother-in-law can give this money as a gift ot her son or can he get power of attorney over her and not let this money hurt her? She doesn't care she just doesn't want to loose her social because it would get all her medicine benefits messed up and cause her more harm than good.....HELP!

2007-05-07 03:20:24 · 7 answers · asked by ? 1

I have a few collection accounts on my credit that I would like to get rid of. My ex husband was suppose to pay them and didn't now they are on my credit. I heard about people making settlement agreements with full deletion. What is this and how do you do it? Do you have sample letters? has anyone actually done this and did it work?

2007-05-07 03:10:17 · 4 answers · asked by Curious Cat 2

Would it be beneficial to retain an attorney in such a matter?

2007-05-07 00:28:15 · 4 answers · asked by Anonymous