Credit - June 2007

I have been offered a lower amount to pay back back but I don't what that to mar my credit.

2007-06-04 07:41:25 · 4 answers · asked by ravyou 1

My husband and I will be looking to buy a home around Jan. 2008. However, we have a really high car payment that we would like to ditch first so we can afford a mortgage. My question is should we hold on to our higher car payment and have a longer payment history but with high debt to income ratio (our credit isn't that great) or should we get a lower car payment for a lower debt to income but short payment history?

2007-06-04 07:20:49 · 6 answers · asked by missy l 2

2007-06-04 07:17:03 · 8 answers · asked by Joanne A 1

I wanted to know if the credit Bureau shows if someones cell phone bill was 4 day late? or does it have to be over 30 days and reported by the cell company? My bill was late 4 days ( i forgot and was out of town) and was curious if it would affect my credit. iv never been late more than a few days.

2007-06-04 04:49:19 · 7 answers · asked by Anonymous

A catalouge let me have an account without me signing a credit agreement and are now taking action against me for money i owe, can they do this?

2007-06-04 04:15:23 · 5 answers · asked by Simon N 1

I am looking to buy a new pc (mine is quickly dying). I don't have good credit and there is NO way I can pay for a pc out of my piddly little pay check. I checked out the pc for all and blue hippo sites... doe anyone know about them or another place that is legit that has what I might be looking for?

2007-06-04 04:13:53 · 7 answers · asked by Anonymous

2007-06-04 02:47:09 · 11 answers · asked by bhuntsberry 1

i have several accounts that have gone into collection. I want to increase my credit score, but ive heard that making a payment on something that is already in collectsion wont do much to boost your credit score since the account is already in collections. is this true? please help

2007-06-04 00:13:52 · 8 answers · asked by daniel k 2

(stepmom) charged you 2 times on your credit card for one service. I went to her semenar and was charged $75 and then a quick $70 after that. I saw her make 2 quick swipes. I asked her as the receipts came out if she charged me twice and she said she didn't. About 2 months later I saw it on the statement that she did charge me twice. I called her and left a message on her voicemail. That was 3 days ago. I called the credit card company and they said that I have to make contact with the merchant, which I did.
My former Stepmom says that she donates everything she gets to homeless shelters for battered women. Lame?
She also had us play this money game during the semenar. I didn't have any money to give to the pot but there was one girl that gave $20 and another that gave $5. It was undecided and the last one to break the chain of votes was my SM. I won because my SM voted for me. But she gave me only $5 in front of everyone. Is this a Judge Judy case or what?

2007-06-03 22:26:25 · 5 answers · asked by woptie 3

2007-06-03 20:43:41 · 9 answers · asked by jazznjava4me 1

credit report is that legal

2007-06-03 19:02:05 · 1 answers · asked by jeannine d 1

I used to work for wal-mart as an assistant manager, and I just recently received a check in the mail for nearly $700, as part of a settlement they are saying was due to me being underpaid. Now I know there were issues in the past about this, but I have heard nothing recently about Wal-Mart owing anyone any money for working. My wife works for a bank and says the check looks like a fraudelent one, where they send you a check, you spend the money, then owe the bank whatever the amount was simply because the check was bad. I went to the site provided by the company that sent the check, and this is what I get http://www.dol.settlement.wal-mart.com/ . Looks more to me like an easy way to steal my identity. What's your opinions/thoughts?

2007-06-03 17:49:35 · 17 answers · asked by Anonymous

There are 4 children ,she had no insurance but lots of credit card bills.will they come after us if there is a little cash left?

2007-06-03 17:27:47 · 4 answers · asked by gabby/abby 1

What are the pros and cons of both?

2007-06-03 17:18:43 · 5 answers · asked by Lollipop26 2

I am considering contacting a local agency. I have no credit card debt...its mainly old utility and medical bills holding me back. What is your experience or opinion on these companies?

Thank you in advance.

2007-06-03 13:28:39 · 5 answers · asked by Anonymous

I am about $5,000 in debt (NONE OF WHICH IS FROM A CREDIT CARD...I'VE NEVER HAD ONE) and my credit score is a lot lower than I would like it to be. Most of my balance is either medical or utility.

If I pay a $100 balance with a doctors office how much will it raise my score? Or in general if I pay anything off on my credit report how much does it raise the score?

2007-06-03 13:26:09 · 6 answers · asked by Anonymous

My girlfriend has 3-4 things onher credit report that are from hospitals/doctors. At the time of the billing she WAS covered with insurance but didn't physically have her insurance card available. She gave them the information in order to have it billed. We recently got a letter from the insurance company stateing that she did in fact have insurance at the time. My question is what is our next step? Do we write the credit bearues in dispute or the collection accounts or hospital..how do we get this cleared? Thanxs in advance

2007-06-03 12:59:59 · 4 answers · asked by Eric W 2

2007-06-03 12:33:09 · 5 answers · asked by Marjorie R 1

I co-signed to help a friend purchase a motorcycle. He is still paying it off but has made a few late payments (over 30 days) and this is displayed negatively on my credit report. Can I get these accounts removed or is that part of what I signed my life away for when I co-signed to be a guarunter (sp.)?

2007-06-03 12:30:16 · 9 answers · asked by Drew 3

I often pay my credit card mulitple times during the month instead of making one big payment when the bill is due. If there is a balance due for the statement, I always pay it on time. I was just wondering if there's any negative aspect to paying my credit card multiple times during the billing cycle? Thank you.

2007-06-03 12:15:01 · 12 answers · asked by Alyssa 2

We have some emergency expenses that need to be handled in the next couple of weeks that our outside of our normal budget. We don't have any credit cards, and we're trying to avoid any major credit commitments since we will be closing on a new house next month. Also, we don't have perfect credit. It's not awful but not great either. Any suggestions would be most helpful.

2007-06-03 12:04:33 · 5 answers · asked by nakitars 1

balance off and the money cleared you bank accout? I made an electronic payment for balance in full on my account 10 days ago. The money cleared out of my checking account 2 days after the payment was made, and the bank has a hold on my account for some reason that no one can explain to me why.(It is a well known larger bank) I have never been late in the 2 years I have had the card, no problems what so ever. Can they hold my account like this? If not what can I do about it?This has never happened before, and all the reps can tell me is that there is just a hold on it and there is nothing they can do.

2007-06-03 11:36:50 · 2 answers · asked by Anonymous

If you are paying on time, keeping credit card balances low, and not incurring any new debt? How long does it take these responsible actions to actually start causing an improvement and increase in your score?

2007-06-03 11:14:26 · 8 answers · asked by Anonymous

I need a loan but i have very bad credit and a very low score I do not want to go to a payday loan interest is to high

2007-06-03 11:13:33 · 1 answers · asked by k1235 1

As the person above has posted an advert for loans in response to a posting, thus breaking Yahoo spam and advertising rules, he must be some sort of con man. Do you agree?

2007-06-03 11:07:18 · 12 answers · asked by brian t 5

2007-06-03 11:01:59 · 5 answers · asked by Melissa H 3

there were two public records on my CR that did not belong to me. at the time my score was 542. i made a dispute with equifax and i was notified they were deleted. after both judgements were deleted my score went up to 551??? so it basically increased 9 points? i thought these things had huge impacts on peoples credit?...should i dispute the increase with them? could it be an error or something? please help someone. Thanks.

2007-06-03 10:50:03 · 4 answers · asked by Celz 2

I have been turned over to ASG and through some research, saw that sometimes certain agencies will take full payment and agree to remove the account from all 3 major credit reporters. I originally offered them $700 out of $1100, and they said sure, if I could pay by the next day. I could not. I know it is possible to negotiate, but has anyone had any real luck or advice?

2007-06-03 10:47:00 · 3 answers · asked by Anonymous

Hi,

If I get a Chase freedom credit card, $0 annual fee, and I pay the credit bill in full each month, do I never pay one cent more than I actually spend, regardless of APRs?

Thanks.

2007-06-03 10:10:24 · 9 answers · asked by blcklabelx 1

On my credit report, I have a car repossession that is close to it's statue of limitations. I disputed the debt and the debt is currently showing, "closed, transferred to another lender" on my credit report with a zero balance. What does this mean?

2007-06-03 09:21:24 · 6 answers · asked by Anonymous