Credit - June 2007

I had my car repo'd in nov 06. The settlement was way too much for me to come up with along with the payment plan. They decided to take it to court now for 9500 bucks. I would rather have them take it out of my paycheck then my joint bank account. Is that possible?? Would they go after my wages before my checking account?

I live in CA

2007-06-13 11:08:51 · 4 answers · asked by misspinkmeow 2

I have been trying to help my friend get some form of credit. She's 23 and has no credit as of yet. We've tried having her apply to a gas card, her primary bank's credit card and now we've sent in an application for a retail credit card.
I'm wondering, since she has no credit yet, can she get a negative score? Will these failed appempts to gain a credit source cause marks against her?
If this application is denied... what advice can you give to help her attain credit?

Cheers!!

2007-06-13 11:00:53 · 7 answers · asked by Anonymous

I would like to know how it is that credit bureaus take away your right as a consumer to bargain, by penalizing you for doing so and lowering your scores. Also, just how much does it hurt your credit rating if you do mortgage inquiries.

2007-06-13 10:16:02 · 7 answers · asked by myrnpr 2

i been overdrafted at my bank for 10 days.I owe like 500.00. Now what will happen if i cannot pay the 500.00 at once? I made a huge mistake in calculating my money and im in a big mess.I called the bank to explain and he was scaring me saying its gonna be investigated for fraud.But im gonna pay it.So what do u think?Im scared now.Its gonna take a few weeks to pay them back.Will i be okay?

2007-06-13 09:35:29 · 22 answers · asked by Anonymous

I've been offered a new job in finance. However, the position is pentending my credit and background check. I once got fired from a job, but it was done for unlawful reasons. But, I never pursued legal action. Will that effect my chances at getting the job.

Secondly, I have poor credit. I don't believe I even have the ability to get a credit card, although I haven't tried. I do have a car payment that is up to date and in good standing.

How bad does you credit have to be, in order to be denied a job?

2007-06-13 08:55:56 · 6 answers · asked by Answer Girl 2007 5

My credit is between 580 and 602 but I have no open debt. I keep getting turned down because I don't have any revolving accounts. I can't afford to pay for a secured card. I only want a credit card to build my credit back up. Please only honest answers, no smart asses.

2007-06-13 08:53:08 · 6 answers · asked by Anonymous

Hello, I was wondering if you can be sued for not paying hospital, cell phone, or any other kind of bills that you have
even if you try and pay them as much as you can?

2007-06-13 08:39:14 · 6 answers · asked by Anonymous

2007-06-13 08:10:51 · 15 answers · asked by Beauty Itself 1

My husband has $20,000 in debt in occurred before we got together.12,000 of it is past due things he has stopped paying on, the other $8,000 is his car. I want to sale the car and get a junker for $1,000 or so. Then get a personal loan under my name because I have good credit and pay off the $12,000. We will take the money we would normally use on his car insurance (a junker will be a lot cheaper) and car payment towards the new loan. Is this the best way to go about it? Any advise?

2007-06-13 08:01:58 · 11 answers · asked by Nancy 3

2007-06-13 07:41:38 · 6 answers · asked by mexican0k 2

2007-06-13 07:15:09 · 6 answers · asked by Anonymous

My score went way down (730 to 650) because of a 30 dollar bill I didn't even know I had. I saw it on my report, and payed it, but I was told it will be on your record for 8-10 years. But, I was also told, in the meantime, as that transaction gets older, my score will go up. When, or how often, will they notice it getting older, and rescore me?

It's been 1.5 years and it's still low?

2007-06-13 07:14:44 · 3 answers · asked by E-Lo 3

i'm trying to buy something form ebay i have a paypal account but i mean i dont know if its safe... when it asks me to *** my bank... will all my money that i have at the bank is going to be there? is it safe!? i'm totally lost they also ask me for a routing number where do i get that... i left my checks at home and i dont know where to find it in my card helP!

2007-06-13 07:01:41 · 7 answers · asked by ButtErFlY 3

2007-06-13 03:23:54 · 4 answers · asked by jonsyaer 1

2007-06-13 01:39:24 · 6 answers · asked by Fruitful 1

2007-06-13 00:28:39 · 10 answers · asked by Rayden 1

hi. if i don't make CC payments then what happens next?
i have 10 CC and not pay for 4 of it.
rest of 6 keep make payments on time.
keep checking , savings account open and pay my rent and all other payments on time..
the reason is i'm trying to ignore large amount of debt bills and save that payments for next 3~4 years for settle it at half if possible..
they can collect money from my bank account if i don't send payment? or they can take my car away?

2007-06-12 21:31:03 · 8 answers · asked by saywhat 1

2007-06-12 20:47:29 · 14 answers · asked by jml 3

I am in California and just made my first purchase using PayPal. Is there a company named PayPal? Where are they located and how do they get paid for their service? I put it on my Credit Card, they pay the person I am buying the item from and they charge my CC. But how do they make money? Am I charged a service charge? Or what? Thanks for your help.

2007-06-12 19:15:50 · 8 answers · asked by kingsley 6

They claim to pay high interest on your investment but when one tries to withdraw the investment, one does not hear anything from them.

2007-06-12 18:56:57 · 3 answers · asked by Anonymous

When is the time to change your brakes? like after how many miles one should change the brakes of a car?

2007-06-12 16:02:07 · 4 answers · asked by Anowar H 1

Does it matter that I rarely use my credit card if I want to ask for a $1000.00 increase to my limit?
The reason I want to raise it is because I want to start charging my college tuition to my card instead of paying in cash every time. Of course I'll pay off my credit card bill right away, but I was wondering if they may decline me an increase because I currently rarely use my credit card.

2007-06-12 15:32:22 · 4 answers · asked by Anonymous

I was told there is now a law where in a 14 day period if you check your credit for the same type of thing (auto loan), it only hits your credit once...

2007-06-12 08:18:10 · 6 answers · asked by legaleye2005 1

Close one of my visas and apply for a premium card or should I just keep my visas open and apply for an additional card? I don't want to have too many credit cards. I don't want my credit report to look bad. What are some good cards to apply for? I have excellent credit.

2007-06-12 07:53:33 · 3 answers · asked by Curious 1

I was reading somewhere that said if you have someone with good credit add you to their credit card as authorized user if will improve my credit score. Do you have to actually use the card or just order it? Is this true???

2007-06-12 07:21:35 · 9 answers · asked by littlemaltese 1

I have a secured credit card which I got it when I came to US. Now i have unsecured credit cards. I want to cancel the secured one since there I have a secured deposite. what happens If I cancel that card. Will I be loosing all the credit history that has been accruded so far?

2007-06-12 07:18:08 · 15 answers · asked by rahul k 1

I want to buy a new car because I want to boost up my credit rating so I can get a house later in life. Now I have enough money to purchase a decent car with cash. Will this affect my credit rating? Maybe I should get the loan and pay it off quickly?

2007-06-12 06:55:16 · 10 answers · asked by Jacob B 2

I let my good friend use my credit card to buy a ticket for 280 dollars. all the sudden we arent friends anymore. what happens if he says he wont pay? Is there anything i can do to get him to pay?? or do i have to suck it up and learn from this and pay it??

2007-06-12 06:03:29 · 11 answers · asked by ByouTfull 4

My FICO score dropped from 747 in November 2006 to 694 this month...... Ive been paying my payments on time, the only thing i could think of is that i had a CareCredit line of up to $8,000.00 that i had never used until April 2007 when I got invasalign so I used my Care Credit and charged about $5,500.00. Could that be why it dropped? And any tips on how to make it go back up? Thank You.

2007-06-12 05:38:34 · 3 answers · asked by **** 2

I got an email from this thing called Franklin Mint FCU, i don't even think I ever used it, I'm not old enough for a credit card, I don't have a bank account, I don't think I ever signed up for it, + It said safeguarding your privacy, i quickly changed my password, iserious need to know what's happening here.

2007-06-12 04:33:35 · 2 answers · asked by Anonymous