Credit - June 2007

I had bought a car at a dealership through an in-house finance program and have about a year and half left paying it off, If I decided not to keep the car and let them have it, will this show up on my credit? I know through this program, me buying this car doesn't show up, but I wasn't sure sending it back will.

2007-06-08 08:46:41 · 9 answers · asked by prima ballerina 2

I guess it says that I have an account in collections. I called the collection agency and asked them and they told me it was a PG&E bill from 12/01. I recall paying it all off before I left. I don't have any record of it since I save everything for only 5 years. When I look at my credit report I don't have bad credit. Should I still pay it off? I heard if I do it will make my credit worse, is that true?

2007-06-08 08:37:26 · 4 answers · asked by Anonymous

HELP! Does anyone know the proper steps I should take? I have ecellent credit. Always pay my bills.
I recieved a letter from a collection agency, claiming that I owe 1065.00 on a phone account from NYC more than 10 yrs ago! I certainly didnt leave any outstanding bills, and I even had phone service in NYC for a year after this address. Since then I have always forewarded my addresses.
Isa person requiredto keep proof of payment on an account for phone service for 10 plus years! Particularly if I havent received any notices through out the last decade indicating that I needed to proove that I had paid it.
Does anyone know my rights in this matter? Or how I should proceed to avoid a blemish on my good credit rating? I don't intend to pay them, and I cant proove after 10 years, that I did.
It could be fraud? Or it could just be a company taking advantage of people based on the likelyhood that no one keeps a receipt for 10 yrs.

2007-06-08 08:25:29 · 2 answers · asked by Mr wondering 2

I just got a collections notice in the mail for a telephone bill I may or may not have had in 1993! At the very least, I shared that number with a roommate. WTF?!!! Could not have come at a worse time. Can I ignore this or dispute this, or will it adversely affect my credit?

2007-06-08 06:27:21 · 9 answers · asked by wayfarstar 2

how long do the following items stay on credit reports in terms of years?

1. late payments
2. sent to collections
3. closed accounts by CONSUMER

Also, how much do each of the above contributing factors lower a credit score in terms of points?

Assuming you begin to have a "perfect line of repayment" How long does it take for a credit score to come back to a higher level? months? years?

2007-06-08 05:42:48 · 6 answers · asked by locotrentrece 1

At the end of the process I have credited inventory and debited accounts payable. All of the other debits and credits are a wash. Shouldn't i have an account that tells our total claims amount. Wouldn't this be an asset account?

2007-06-08 04:07:24 · 2 answers · asked by Sarah B 1

Ive not received a bill for the last 10/11 months. The reason for this is because the energy co. seem to think I have a pre-payment meter. I used to have one about a year ago...got a credit meter.....paid the 1st two quarterly bills then havnt heard anything from them since. I called the co. and they told me I couldnt view my bills online since I have a prepayment meter. (this is how I know they thing I have a prepayment meter).
Another thing is that the meter reading man hasnt been by for the last 10 months either. I think when he does eventually take a meter reading the penny will drop. Shall I call the co. up and explain that I've got a credit meter?
I'm afraid of being landed with a huge bill otherwise. However it is nice not to pay either : )
Basically my is question is this:
Will I have to repay for the electricity I have used recently, if the power company made this mistake?

2007-06-08 03:39:07 · 10 answers · asked by stevokinevo 1

I live in Texas which is a community property state. I have good credit, but my husband has horrible credit. Because of this I have made sure that all of our credit/loan accounts are in our individual names. The only thing that is in both of our names is the house note, but that is about to be in my name solely. What would happen if we divorced? How would that affect my credit? Does divorce show up on your credit report and if so does it show up as a negative thing?

2007-06-08 02:53:37 · 2 answers · asked by Texas Girl 3

I got an offer in the mail for a $10,000 credit limit visa card in the mail yesterday, stating that all I had to do was send them $37 and they would send it out. Is this legit? And do they really give you that much of a limit?

2007-06-08 01:56:33 · 11 answers · asked by Anonymous

2007-06-07 23:11:17 · 13 answers · asked by fee 210 1

work have not paid me for bank holiday monday because i was off sick on tuesday morning, is this legal?

2007-06-07 22:14:21 · 11 answers · asked by Anonymous

I need a cosigner for my student loan! If you have good credit and you're willing to sign a 7000 loan I'll pay you 500 dollars to do it! Anyone interested? Email me!

I'm not kidding! My school will not give me any more financial aid or scholarships, my parents have shitty credit so they can't get approved, I don't have any credit! Help!!!

2007-06-07 17:33:16 · 4 answers · asked by nkdavis2006 1

2007-06-07 16:39:09 · 4 answers · asked by Tina R 1

2007-06-07 16:37:12 · 6 answers · asked by kelly g 1

2007-06-07 15:36:14 · 9 answers · asked by Anonymous

Is this card only useable at Macy's? Or can you purchase other things with it? If it doesn't have a Visa logo...

2007-06-07 13:55:31 · 8 answers · asked by meeohmi 2

I was asked by a relative to let them piggyback on my credit card. My wife and I are thinking of purchasing a new home. Will this piggybacking hurt me. Will I be liable for anythng. Thanks

2007-06-07 13:08:16 · 9 answers · asked by kenaiken@sbcglobal.net 1

I have great credit and are looking to help a family member who made some mistake in college rebuild her credit by cosigning on a credit card for her. Does anybody know how I go about doing this? Every line of credit I have had never needed/asked for a co signer so I am not sure.

2007-06-07 12:35:12 · 7 answers · asked by neversummer187 2

We currently rent.
Together, we have approx $10K in debt.
We both have excellent credit.

2007-06-07 12:15:24 · 35 answers · asked by Freckles95819 1

but the credit score didnt come with it i dunno why but is there a way i can calculate my score with just looking at my report????

2007-06-07 09:49:04 · 7 answers · asked by Anonymous

I recieved a debt collection notice from a collector and a letter from them that offered me a loan for the exact amount of the debt down to the cents

2007-06-07 09:42:30 · 6 answers · asked by Anonymous

2007-06-07 09:29:46 · 4 answers · asked by Anonymous

Its like $1500. Credit score is currently 59?-600

2007-06-07 09:16:35 · 12 answers · asked by Spirited Virgo 4

I need a good credit card (low interest) that I can use now before I receive it in the mail. I am remodeling a house and have sold my previous house, but need money to finsh the remodeling before I get the profit from my previous house. Any suggestions from anyone, does anyone know about any credit cards that you can use before you receive your card? I need help soon! Thanks.

2007-06-07 07:10:49 · 6 answers · asked by Anonymous

2007-06-07 06:59:53 · 0 answers · asked by Anonymous

Through a bank, mortgage company, or real estate? I am eligible for a VA loan. Should I be careful who I use?

2007-06-07 06:35:42 · 4 answers · asked by Spirited Virgo 4

I would like to consolidate my credit card bills, looking for help, I've heard of places that contact your creators you can pay them off with no finance charge.

2007-06-07 06:32:47 · 2 answers · asked by G 2

I have never had a payday loan before and I was wondering do I go by a check from the store and write void on it or do I have to stamp it or what do i have to do because I have no Idea.

2007-06-07 06:24:11 · 11 answers · asked by Shandreka R 1

Today I received a credit card offer in my son's name, hes only 15 months old. Should I be worried?

2007-06-07 05:46:32 · 5 answers · asked by Anonymous

i recieved a card months ago, but threw it away bc i didnt want it, now i do and i tried to apply for another and they won't accept my application b/c i already have an account with them. How do i tell them about my situation online? is there a login that i should have... orrrr what do i do now?

2007-06-07 05:13:56 · 3 answers · asked by ♥ LovingMyLittle1 4