Credit - June 2007

I just got my credit report and found that my car loan and a revolving loan that i have through a local credit union aren't on there. I went in and asked about it and they said that they don't currently report but may in the future. My issue is that it is all the positive credit i have going for me at the moment. Is it legal for them to not report? Do I have any options on what else to do? I think i still owe too much money on my car to be able to refinance somewhere else. anyones help would be greatly appreciated!!!!!!!!!!!!!!!!!!!!!!!!!

2007-06-14 15:10:30 · 4 answers · asked by big b 1

now i am having the car loan company haunting me w/ their lawyers as of 2yrs ago to pay the loan. I don't understand why it doesn't show on my credit report and I didn't pay the remaining balance from the repoed vehicle. I need to know how this is possible, because we own a house and 2 new (2007) trucks all financed buy top financing companies? p.s. please help

2007-06-14 13:53:45 · 8 answers · asked by Anonymous

how long does it take, before it's off my credit report?

2007-06-14 12:53:17 · 6 answers · asked by jimmiefan 1

I had a judgment against me for a school fee by my university in 05.

I got the lifting/removal letter from my uni and the court house saying that it was paid and satisfied.

I've disputed this with the credit companies and they don't remove it-they only list it as satisfied.

Are they supposed to move it or no?

Thanks!

2007-06-14 12:12:10 · 7 answers · asked by Anonymous

If you owe it- you owe it. How can these companies "legally" repair your credit?? I am confused?? i went to a website that says they send dispute letters...How can you dispute an account you owe?? How does this work?

2007-06-14 12:11:31 · 9 answers · asked by trixibel 6

I keep getting a phone call, I let it go to voicemail and they tell me there name and they want to speak to me or my attorney?

2007-06-14 10:30:48 · 12 answers · asked by ~Eyes that POP!~ 2

i typed in payday loans and not many listings come up. is payday loans the correct term??

2007-06-14 09:44:05 · 9 answers · asked by dgmotley 2

my friend had a student loan 25 yrs or more ago,the loan was for 2,800 dollars,he couldnt finish school cause he had an emergency in NEW MEXICO,traveled from NEWARK,DE, which took him 2 days drive,he didnt get back on time so he got disqualified,with only two days to graduate,30 years went by he received a letter stating he owes the student loan foundation $8,900 in interest plus loan,how can they wait this long and not send any bills before ,is there anything he can do to stop this.

2007-06-14 09:42:07 · 12 answers · asked by Anonymous

pennies on the dollar. And no I do not have money to make a big lump sum settlement

2007-06-14 09:35:39 · 5 answers · asked by Anonymous

I've been trying to improve my credit, but with lots of old bills and living paycheck to paycheck, I have a ways to go and it's going to take some time. An old Visa account of mine was sold to a collection agency. I started getting a lot of calls, so I called them back, willing to work with them and make arraingements (I had been paying 20.00 a month before). They not only want 150 per month which I just can't do right now, but they absolutely refuse to allow me to make payments by mail. They insisted I let them set up an auto payment directly from my checking. I absolutely and steadfastly refuse to allow that. I've had too many bad experiences with this sort of thing in the past, and I refuse to let my paychecks be held hostage. They told me Florida is a garnishment state and got belligerent. I finaly said I'll talk to a lawyer and call you back. They hung up in my face. Help me please, does anyone know if they have a right to dictate how I pay them, and can they garnish?

2007-06-14 09:23:02 · 12 answers · asked by saturdays child 4

2007-06-14 09:18:27 · 11 answers · asked by joker2662 1

I have an old phone bill with verizon. They have sent it to collections and now I want to pay it off to get it off my credit. Will they remove it once I pay? Will paying the old bill affect my credit score?

2007-06-14 08:51:25 · 9 answers · asked by I love Ivy 2

Why am I angry; I have had my VISA for many years and now, since Bank America changed and bought MBA/ Now they want to change my Interest from 17.95% which was always terrible, to changed it to24.95% when I never had any problems to pay my bills.

What is going on and what can I do?

2007-06-14 08:51:22 · 8 answers · asked by bilway2001 2

I have a lower credit score that I am trying to build up. I just had my mom add me as a authorized user on one of her credit cards. Would it raise my score to have another person or 2 add me also, or would it look like too much on my record? Would it up my score even more though if I get more added? (They have excellant credit)

2007-06-14 07:27:53 · 5 answers · asked by littlemaltese 1

I'm 22. I don't have any history of credit. (No credit cards, loans, etc... Nothing.)

My friends told me that they all started building credit by opening a student credit card from Chase, the ones with a 200 dollar limit.

I tried to do that but actually got denied. They said that I have "too few accounts open to resolve credit."

So how do you do it?

2007-06-14 05:50:45 · 15 answers · asked by twitchddragyn 2

They pull it up every time and I'm worrying about that. Should I just tell them not to pull it up and tell them what my credit score is?

2007-06-14 05:41:31 · 6 answers · asked by af 1

2007-06-14 05:12:39 · 21 answers · asked by Anonymous

i called the collection agency and a very rude woman told me they want do it. i am looking for help. anyone have any ideas?

2007-06-14 04:55:43 · 9 answers · asked by Anonymous

and are not used. Or is better to keep them open? I beleive Yahoo had an article about it, but I didn't get to read it. Thanks

2007-06-14 04:25:12 · 6 answers · asked by ? 5

Over the past two years I have been trying to raise my credit score, which I was succeeding with until a $1,900.00 bill that I did not know existed showed up in April. I disputed this account with the collection agency, but then because of the adverse effect it was having on my credit decided to go ahead and start paying it. I am now within two hundred dollars of having it paid in full. How will it effect my credit rating after it is paid in full? Should I have just left things "as is" and not paid the bill? Please help me!!

2007-06-14 04:21:57 · 3 answers · asked by bnlrta 1

2007-06-14 04:12:29 · 6 answers · asked by lvbrdy4vr 1

Recently I received a letter from my bank offering me a free airline ticket if I made 5 purchases in 3 months using my debit card as a credit card by signing the receipt instead of using a PIN. Whats the catch? What does the bank get out of it? Whats the difference?

2007-06-14 03:37:56 · 6 answers · asked by Robert S 2

2007-06-14 00:07:26 · 12 answers · asked by Slyone 1

The nail salon I go to usually wants me to pay with cash which I think is strange considering they advertise that they accept credit cards and checks. Recently, I tried to pay with a credit card and was told they don't allow customers to add tips on the card. I didn't have cash, so I had to write a check for the whole amount (the service and the tip). The manager asked me to leave the payee blank and I assumed he would put the company name on there with a stamp. Once the check cleared my bank account, I noticed the check was made payable to an individual. Is this legal? I feel as though this is fraudulant activity. I don't know who to report it to or if there is anything that can be done to prevent them from getting away with this.

If a company accepts credit cards can they prevent the customer from adding a tip?

Would love some advice on this. I know I can go to a different salon, but I still think this is not fair to the customers.

Thanks.

2007-06-13 18:50:28 · 11 answers · asked by Anonymous

2007-06-13 18:08:44 · 6 answers · asked by shannon h 1

I have never had any positive credit and I am 42 yars old. I have three or four negatives on my credit report for old medical and other things. I have paid off the rest. I think the largest is 950.00 the remaining 200-300.00 each. I have not ever bought a car or home on credit and have never had any credit cards. My question. Is there a way I can build credit quickly? I am not getting any younger and would like to buy a home. Help anyone!

2007-06-13 16:19:22 · 4 answers · asked by Anonymous

I have a two credit cards that are almost at the max limit totaling 20K. I have been making the minimum payments but the interest rates are average of 6%. I am wondering if I should take out a personal loan to pay down half. Is that really buying me anything? Trying to look out for my credit score.

2007-06-13 13:28:32 · 9 answers · asked by MATW 2

what should one do when a credit card expires. does it automatically get renewd

2007-06-13 12:45:57 · 4 answers · asked by kathanm13299 1

Okay so I'm working on my credit and it's not great so every point is important b/c I want o buy a new car in Sept. I've had a regular Target card for over 5 years and today in the mail I get a letter saying I've been chosen to have my account upgraded to Target Visa with a much higher credit limit. They say my balance will just be transfered. If I don't respond to the letter this will be an automatic switch. Has this happened to anyone else? Will this hurt or help my credit score?

2007-06-13 12:29:11 · 5 answers · asked by Delaina77 3

2007-06-13 11:17:38 · 5 answers · asked by Anonymous