Credit - June 2007

credit is ruined

2007-06-16 05:05:02 · 9 answers · asked by missyh 1

I have a Saks account that is in collections from about 7 years ago and I just got a call this morning from a new collection agency that is handling the case. They informed me that if I do not setup anything by 12 PM today that they would recommend the case to go as an involuntary collection. I personnally have never heard of this and I am unaware as to what happens in that situtation. I do know that collection agencies do use terms and tactics at times to scare people into paying their debts, and I have full intentions of paying mine i just cannot afford to do so right now. Can anyone shead some light on this for me and advice on how I should handle this. I also know that they will accept a settlement, what method should I use to get the lowest settlement payment when I can afford to pay it off.

2007-06-16 04:43:29 · 2 answers · asked by Dirty Dame 1

2007-06-16 00:24:39 · 6 answers · asked by Anonymous

2007-06-15 21:26:09 · 7 answers · asked by maxxypearl 1

full pmt they say, I can't come up with it. offered 10-20 even 100. dont have lawyer's fee and file costs right now. excellent credit up to couple months ago. I was helping friend pay their bills, fell farther behind on mine. I had an American Express charge card, pay in full monthly and some of it was pay part of it each month, flex pay plan, I had bounced a check to them accid., and paid them most of it back except for 400. They said I committed fraud, illegal, also I bought stuff where I work, they said in card member agreement not allowed to buy stuff from my workplace, I didn't remember reading that, that's illegal, fraud, also I bought gift certificates, and meals where I work, when customers buy gif cert. they get cash back, so if I need $ or whatever, I'd buy a 3.00 item and get 47.00 back out of 50.00. they say cause I owe them 7800.00 that's over 5000"Factoring" They say pay 3100 by Wed. File Fraud, They will make me FELON, and call my bosses,wanttoruin life so they get$

2007-06-15 16:23:58 · 6 answers · asked by Anonymous

I'm planning on buying a Friends season package from amazon.com and i'm trying to find the best deal, and its from some person.....newbury_comics, and like is that a company, or a person or what?!? And when im buying it, how does that all work do i use a credit card, and how do i know its safe?!?! HELP!

2007-06-15 16:03:41 · 3 answers · asked by Anonymous

I want to file a report on Credit Solutions of America, but am not sure how to proceed.

2007-06-15 15:17:06 · 4 answers · asked by Missymoo 2

2007-06-15 14:24:50 · 1 answers · asked by Anonymous

I have a tenant and few client didn't pay me. How can I report them to bad their credit?
Did I have to pay them to bad their credit? I only have to submit the bill
? Did I have to go throught collection agent? Did they will cost me too?

2007-06-15 11:42:22 · 2 answers · asked by Guardian Angel 2

Trying to get ahead of the game, I have disputed some items on all 3 credit reports and want additional info. If a company reports only to 2 bureaus that info is current and accurate but fail to notify the 3rd bureau, is it enough cause to have it removed from the other bureaus? So if a company fails to report to all bureaus and an item is deleted from one can you have that same item deleted from another?

2007-06-15 11:33:15 · 2 answers · asked by Anonymous

2007-06-15 10:27:05 · 14 answers · asked by Anonymous

If you have a judgement against you does the court put that on your credit ? Is all judgements on your credit report?

2007-06-15 10:02:00 · 5 answers · asked by jtorhyme 1

Is it possible to withdraw from your checking account at an ATM that doesn't have sufficient funds? How much will it cost me to overdraft? But I have the intent paying back the bank in less than 3 days.

2007-06-15 09:28:08 · 9 answers · asked by Anonymous

i was careless with money when i was younger, and now i owe money to 3 major credit card companies (Bank of America, Citi, Chase) i was able to settle with Citi, so i'm not worried about them, and they were my biggest debt, but now i have Chase threatning to sue me for only $2300. do you think they will sue? i have the money to pay them off, but they want too much. they want $500, but i can only send now $100. do i send the $100 or call them, or what?? please help! thanks!

2007-06-15 09:13:17 · 29 answers · asked by laxplayer2604 1

2007-06-15 08:40:59 · 9 answers · asked by Mazie 2

2007-06-15 06:31:32 · 3 answers · asked by babycattos 4

2007-06-15 06:05:55 · 7 answers · asked by Faisal 1

What are my rights and what are the creditors rights in regards to my property or lack of?

2007-06-15 05:17:40 · 11 answers · asked by jatrace 1

2007-06-15 04:47:46 · 6 answers · asked by lbcpj 1

why is it so hard to get a loan when you have low credit score below 500!!! It shouldnt be that hard, I mean there are people out there that really want to help there credit and getting a loan and consolidating everything is the only option yet no one wants to give a loan so they can try to get there life back in order and not lose there house!!!!!! has anyone out there had any luck with any companys that will work with low scores and help homeowners.. please let me know thanks

2007-06-15 03:51:37 · 7 answers · asked by Anonymous

2007-06-15 03:22:26 · 3 answers · asked by lbcpj 1

i want to buy something off ebay with my dad's card but its says accepts paypal.. can i buy it with a visa?

2007-06-15 03:04:51 · 5 answers · asked by hi 3

2007-06-15 02:50:26 · 5 answers · asked by Falloutgirl 4

how can I get these off my credit without starting the Statue of Limitiations starting all over again once I contact the companies. By the way - these companies have all sold them and beefed up the amount to ridiculous amounts. For instance a $32.00 charge I disputed is now up to $4,000 and has been sold to about 5 companies. How can I address this?? I tried to call the 3 big credit companies -but I can't get to a human to help me.

2007-06-15 02:15:45 · 10 answers · asked by Metella 3

For example, when characters on tv are one hit wonders, and they buy loads of stuff then go bankrupt. There are guys that come and cart out everything, but aren't they legally theirs because they bought it. If i went bankrupt, they wouldnt take my guitar and stuff, because it's mine. Right?

2007-06-15 02:08:59 · 6 answers · asked by Mandaye 1

When my husband and I first got married we racked up my credit cards. It's now, 2 kids and 3 years later. We havent paid anything since 2004. I have about 30,000 on credit cards. More than we can pay. Will this just fall of my credit, the money owed? or just the negative comments? I am debating on waiting and not paying or filing bankruptcy. Basicalymy only options. Does anyone knowhow this works? or know the rules on this?
Thank You so much!

Beverly

2007-06-15 01:49:07 · 11 answers · asked by Anonymous

I have a credit account that stays maxed out b/c I always end up using it to get by when I don't have extra $$. I like having it around for backup but the debt has just got to go. I'm tired of having it hanging over me. Can I close the account while it still has a balance so I can pay it off but not be tempted to use it? I guess I could just cut the card up but I can see myself ending up finding a way to use it anyways. Also would doing somthing like this have any negative effects on my credit?

2007-06-14 22:06:16 · 6 answers · asked by Anonymous

I took out an unsecured personal loan to fix a problem with my house. My circumstances change so I am making partial payments. Today I got notice the lender is selling my loan to another one of their out of state branches which is a mortgage lender. I don't have a mortgage with these people. I am thinking they are doing this hoping I will call them so that they can get my number and harrass me again(They called me at all hours of the night and day 7 days a week despite partial payments so I changed my # to an unlisted one) Can a non-mortgage lender sell to their mortgage branch and if so for what purpose? If they report to the credit bureau as a mortgage company, can I challenge owing the money on the grounds I don't have a mortgage with them?

2007-06-14 16:05:18 · 6 answers · asked by Wildfire 3

Most of these are from 2001-2002. I also have some other silly stuff on there, but my score is really bad...what can I do?

2007-06-14 15:30:06 · 8 answers · asked by Reda T 5

2007-06-14 15:25:02 · 6 answers · asked by Dragon Slayer™ 5