Credit - June 2007

Hey Guys!

I'm Alex, and really need your advice on this subject. I currently have a Capital One Visa credit card, but seriously thinking about canceling it because I've heard so much BS about that company. That they don't report the right information to the bureaus, and will most likely end up hurting your overall score. Should I ditch them and get a credit card with my bank which is Banner Bank Visa? Would that be a better idea than to stay with these cynical *** holes? What are advantages of owning a Banner bank credit card, is this a good movie? Can I have all your honest opinion's please...no smart remarks. I know that canceling a credit card ruins your score, but what's the point staying with Capital One my score is already ruined right? I want to develop a good rating score for when I need a personal loan/auto loan or whatever it maybe.



Thanks in advance.
Alex

2007-06-18 12:46:06 · 13 answers · asked by money mike 3

2007-06-18 11:48:52 · 5 answers · asked by DAVE S 1

hi all,
i have just received a first national credit card ccs, las vegas, which i have never applied.
when i tried calling them i realized that there is no option to cancel the card.
recently i have opened a bank of america account and i read few cases in which after opening an account in bank of america they recieved this card, is there anyone out there with same experience.

i am really scared i want to get rid off this card and don't know how. should i just close my checking account, what if they start charging me money.

if somebody had gone thru the same problem and have solution for this pls pls help me.

2007-06-18 10:22:49 · 6 answers · asked by Anonymous

2007-06-18 09:59:48 · 5 answers · asked by Anonymous

okay here is the story my ex open a cerdit card in mine and his name without me know but at the time it was open we were married however i was depolyed and new nothing about it.and know that we are divorced they are coming after me for the 10,000.that i do not have i just had a baby.what can i do to get these off my credit report and my name off the account.im so pissed about these..please tell me what i can do about all of these if it help i live in texas..

2007-06-18 09:56:47 · 6 answers · asked by barrett_s22 3

I owe money to Quest Diagnostics, a large company that does lab work. I have hypothyroidism and my dr was having me come in for several blood tests a year, at a point, as often as once a month, till the thyroid levels in my blood were steady and healthy & my meds seemed like the right dose for me. there were a few yearly physical exams w/ blood tests as well. Some visits I was uninsured others i was (when i got F/T hrs w/ benefits) but cuz I was diagnosed with my condition prior to joining, they wouldnt cover it (prediagnosis) for the first year of the plan. All occured over a few years, off the top of my hear I think the first visit was oct/nov 2004? First collections called a lot but i didnt answer & it just stopped one day. There was a while when I got letters by mail each one trying to sound more serious/threatening than the last. They didnt stop but slowed down tons. I need my debt total so I can plan payment.Bill says amount due for indiv visit. Sent separately but inconsistantly

2007-06-18 09:41:25 · 11 answers · asked by smamfooledme 1

I posted earlier, I have a few more things to add, I was inquiring on getting a $100,000 loan to purchase a house. Credit rating of 629 with $5000 gross monthly income and in debt $3444.00. Has anyone been in a similar situation or any advice? Thanks for your time.

2007-06-18 09:07:29 · 4 answers · asked by momma whitley 2

IS there any dealership that may be willing to work with me in the Philadelphia or anywhere area. I filed for bankruptcy chapter 7 in April and my discharge should be in August. My car broke down this Friday and now im totally stuck

I need to get a car and paying for it will be no problem for me since I have a good job. Is there anywhere that would be willing to work with me even though im not discharged yet?

Thanks

2007-06-18 08:49:29 · 7 answers · asked by Anonymous

I have seen MANY MANY helpful answers to people who had debt while married and advice on what happens to their married debt now that they are SINGLE... but not ONE question about SINGLE DEBT in only my name, and what happens to that debt now that I am married. I certainly don't want to soil my new hubby's good name and excellent credit he worked so hard for. I do NOT want him to help me pay them and want to do this myself... but I worry if we are now married that somehow MY old debts that take longer than i'd like to pay off... might reflect badly on HIM somehow. He already has his house mortgage in his name, not OURS, and I know if we want to buy one TOGETHER that will get complicated if I have bad credit in the future... but as of TODAY, as of right now... can someone please tell me... in the state of Florida, if a single person gets married does THEIR BAD CREDIT or current or past due bills affect the new marriage partners credit? Thanks SO much in advance! - The Bride -

2007-06-18 08:14:21 · 5 answers · asked by Not That Girl 1

We have never been late on our home payment. NEVER. Not even before we filed. Come december, when we are discharged, we will have only my student loans as bills- that's it. Nothing else. We both have current steady jobs, middle ranking incomes (96k combind). What is the likely hood we will be able to get a mortgage? We only owe 68K on our current home, its vauled at 180K, so we will have a huge down payment. Will banks even look at us?

2007-06-18 08:12:25 · 6 answers · asked by Anonymous

I have this stupid collection on my credit report from DirecTV which I refuse to pay and battle with constantly. This is literally the only thing wrong with my credit report and I don't want this to screw it up.

I used to be a mortgage broker, so I know how credit reports are graded for the most part, but the majority of the time that I saw collections on someones credit, there were many other late payments to follow. Any ideas?

2007-06-18 08:00:47 · 4 answers · asked by Reens 3

I have thousand of dollars from multiple credit card debts that are in collection since 2002. Most are charged off but some still lingers. I now have a good income and would like to pay off my debts; however, I read that if I do, the debts would stay on my credit report for 7 years from the initiation of payment. Hence, if I do nothing, then they would disappear in 2 years, while paying the debts would make them stay for 7 more years. I also have a court judgment against one account. Does this expires in 7 years or not? Ought I use my money elsewhere?

2007-06-18 07:44:19 · 12 answers · asked by Flatbroke 1

I have 2 credit cards I paid off and closed mistakenly. I only have one card left which is closed due to dilenquency that Im paying on. My credit score is 524. Is there any legitimate company that will give me credit based on my score so that I can reestablish my credit? I dont think a repair company will help because the report is correct. Any advise on how I can get my score up quickly?

2007-06-18 07:43:38 · 10 answers · asked by Anonymous

With a credit score of 600 and gross monthly income of $5000 will it be hard to get a $100,000 loan, anyone with any advice or any been in the same position please reply

2007-06-18 07:35:14 · 3 answers · asked by momma whitley 2

Our mortgage is going on my husbands credit only. He has two collections on his report. Our mortgage lender suggested we pay off one and she would work with the credit reporting companies to up our score. Our loan is approved and locked in to a good rate, but we need the good credit score for our PMI. Anyway, we paid off the first debt and got the fax that all is well. She had his credit re-calculated and it went down. Another debt, a small one (1400) came up from 2002, but it was just turned into a collection agency this month. Anyway, my husband and I would like to pay this off too and recalculate, but our lender says that because of the date being so recent we would have to get the collection agency to agree to delete the date. Is that reasonable? We are supposed to close on our house on the 28th. Now, because of this credit issue and the score not going up we can't afford the payment and are locked in. Any ideas on the credit or how to get out?

2007-06-18 07:20:59 · 4 answers · asked by Wendy B 5

There are different names, work places, and addresses that do not belong to me. Do I just call Experian and tell them?

2007-06-18 07:19:25 · 6 answers · asked by trying4_baby 1

i currently have three credit cards. if i where to take the balance on these three credit cards and place them onto a new card that could hold the amount on all three of these and then close the three old ones, will this hurt or help my credit??

2007-06-18 06:44:33 · 18 answers · asked by smile182 3

i want to check out my credit rating but most sites i go to are asking for card details to get a free trial i dont want to do this! any suggestions?

2007-06-18 06:42:03 · 7 answers · asked by HALEY H 1

I was told that I needed some expensive dental work, so I had to apply for credit in order to finance it. It turns out that I didn't need the work done after all, so now I don't need the credit. Should I close my account, or will that look bad on my credit report. My other option is to leave it open until I need it one day. I already have 5 open credit cards an really don't want another. What should I do?

2007-06-18 05:52:53 · 6 answers · asked by teresitasc 2

Its hard to get a loan with no credit vs. bad credit

2007-06-18 04:55:17 · 9 answers · asked by sw_mn_basscaster 1

2007-06-18 01:16:29 · 7 answers · asked by Anonymous

I want to apply for a t-mobile contract phone and I also wanted to apply for a credit card but I wanted to know if it is possible to find out which companies (i.e. department stores like debenham etc and retail stores like topshop, la senza etc etc) use which credit agencies. I was told it is possible but I was looking for a quicker way than approaching each company individually?????????

2007-06-18 01:06:13 · 7 answers · asked by ROSE A 1

2007-06-17 23:45:08 · 5 answers · asked by Aardhra V 1

i had an account with bank of scotland a couple of years ago when i turned 18 , i went over my limit without realising it and suddenly got loads of charges that i was unable to pay , being young scared and stupid i did a runner .When i did try to sort it out there min payment a month was just tooo high i coulnt afford it .4 years on this has turned into a nightmare i now owe over 4000 pounds but this has been passed on to a debt agency according to the bank and they will not deal direct also the agency who are contacting me cannot provide proof that they are to collect the debt .I want to try and sort this out but really have no idea where to start ???????????????? im at university so not absolutely minted but would like to start to get rid of this but how ???????????????????
and before anyone says it i will i , yes i got into this mess myself but i think it is unfair how banks target 18's

2007-06-17 23:13:30 · 3 answers · asked by miss_ninety_ukuk 2

2007-06-17 14:51:16 · 8 answers · asked by Juan M 1

but I recently divorced my husband and he left me in a lot of debt with no way to pay.I intend to pay these debts off when I can get a job but can my house be taken away for any of these debts, I owe nothing on my house.

Thank you in advance for your help.

2007-06-17 13:35:45 · 12 answers · asked by ncgirl 6

Where would be the best place to go for a credit score...preferable free.

2007-06-17 12:54:11 · 11 answers · asked by bamm 2

just got a phone like month ago and i guess whoever had the number last didnt pay their bill and now thier calling me i told them that he doesant live here and keep calling 2 times a day how do i make them stop calling me?

2007-06-17 12:22:02 · 5 answers · asked by curious 2

2007-06-17 11:21:27 · 2 answers · asked by gerbs 1

Hi, I have a few questions.

1) I am 19 and found out that I have a credit score of 740. How good is that score?

2)I was also wondering if there are any drawbacks to having a high credit score.

3)Also, I just left the air force academy and I am thinking about going to another college soon. Should I pay using a credit card or a student load? If I get a student loan, will that lower my credit score because outstanding debts factors into my credit score?

4) I have 4 credit cards (on from each company) right now each with around 2000 credit limit. Is it bad to have that many cards? I rarely ever use them and alternate their usage.

5) I heard from a random adult one day that keeping a small balance on my credit cards all the time is good for credit, is that true?

6) I occasionally call the credit card company probably around once every 4 months and ask them to raise my credit limit for the heck of it. Is it bad for your credit score to have high credit limits on my cards?

Thanks!

2007-06-17 11:19:52 · 5 answers · asked by Anonymous