Credit - June 2007

2007-06-03 09:04:46 · 5 answers · asked by bamyfrunkly 1

It's 640 and I owe $12000

2007-06-03 08:36:56 · 5 answers · asked by Anonymous

the dumb ***** have for some how managed to put my and my brother credit cards together on one social security number. I checked on my credit score and saw his credit cards on the list as wel. Can someone tell me how to or who to contact to fix this matter?? thanx

2007-06-03 08:12:32 · 4 answers · asked by Sheeno 2

I WANT TO GET RID OF THIS CREDIT CARD I'VE HAD FOR A WHILE NOW. IT WAS MY FIRST. MY CREDIT LIMIT IS LIKE $300. (NOT CLOSE TO ENOUGH FOR AIRLINE TICKETS) I REQUESTED A CREDIT LINE INCREASE BUT WAS DENIED. WHILE OTHER CARD ARE AT A MIN. OF $2,500. HOW CAN I GET RID OF IT WITHOUT HURTING MY CREDIT SCORE. AND KEEPING IT OPEN WOULD EFFECT MY POTIENTIAL DEBT TO INCOME RATIO, CORRECT? IT HAS NO BALANCE.

2007-06-03 07:12:49 · 3 answers · asked by monique g 2

security freeze on my credit file now they are asking for a 10 digit pin. What the heck is this? How do I get my security pin#
Please help!!!!

2007-06-03 03:57:02 · 1 answers · asked by memeA 1

i am trying to find auto financing, last year has been horrible for me. I went through bread cancer treatment and thank God I am alive, my financial creditentials went down the tubes. I was out of work for 8 months. I have the income $50,000/year and I have been at my job for 10 years. Can anyone help

2007-06-03 03:52:46 · 8 answers · asked by Denise B 1

has anyone loaned from check cash central.com before or any other loan site and if so do you trush this site or any other loan site? i and my husband are skectical.

2007-06-03 02:08:37 · 3 answers · asked by redgirl 1

I got a credit card about 6 months ago with a limit of just $800. It's a student credit card. Can I call the credit card company and ask for a higher credit limit? I've heard you can ask for a lower interest rate and sometimes they'll give it to you, but is the same true for a higher credit limit?

Thanks in advance.

2007-06-03 01:22:43 · 11 answers · asked by starfishblues 4

whats the diffrence from a credit card and a debit card

2007-06-03 00:35:09 · 6 answers · asked by qasarasara 3

My credit report consists of charge offs and closed accounts that are at least 7 years old. How long will an item appear on my credit report?

2007-06-02 18:26:14 · 1 answers · asked by ........ 2

I am trying to build my credit history.Being on a high limit old credit card account with no balance as a joint account holder will affect my credit history more positively than being an authorized user? Or there is no difference? Some say that being joint account holder will affect more as it will show in my credit report that I am responsible for the credit card payments.
Thanks

2007-06-02 15:51:00 · 7 answers · asked by v p 1

About 2 months ago I had a good credit score but I didn't pay a credit card off and I let it go so now they screwed my credit score by 150 points and now I cant get any thing on credit . Can anyone help me on a quick fix - 9mo.

2007-06-02 15:48:11 · 7 answers · asked by Richard S 1

hi,
i'm looking to purchase an '07 Yaris Hatchback, but the rate I was offered by Toyota Finance is 14%. is this a reasonable rate for a credit score of 630?
i know that i could try capital one, etc. but i dont want to mark my credit down even more by applying to all these loans.
fyi, the last time i bought a car from Toyota they gave me 4.9% financing, but they said that was because of their special Low APR incentive.
If anyone has similar credit and got good APR on their auto loans, I would appreciate any feedback.
Also, if you have purchased a Yaris recently, what was your APR and credit score?

Thank you in advance!

2007-06-02 15:37:27 · 0 answers · asked by Anonymous

I live in California, the company is in Illinois. I sent them a payment on may 16th, the bill was due on may 17th, they credited my account on may 18th. I was given a late charge because they state that the payment arrived late. It is my belief that according to California law, if a payment is post marked on or before the date the item is due, the item is considered paid upon that date. And because the company does business in California, I also believe that they would be subject to this law. The company is a financial services institution but not a bank. The name of the company is Unicorn Financial who deal with the financing of Dental and Optical services and they solicit through the offices where these services are preformed. This was my final payment. Am I correct?

2007-06-02 15:23:05 · 7 answers · asked by Anonymous

I was in the hospital, unable to pay anything and my creditor reported me to the agencies. I disputed it but they said "the creditor verified the information to be correct." What do I do? I was in the hospital unable to pay anybody. BTW this is the only late payment I had in 20 years. The report says it is potentially negative.

2007-06-02 11:34:01 · 8 answers · asked by Lucie C 2

Do I have to report it first or since the bank deposited it in there saying were its from (even though I dont know were it is) Is it mine to keep?

2007-06-02 11:26:50 · 8 answers · asked by theone 1

My daughter has an issue with Capital One and their credit reporting practices. She has paid all of her bills on time for the past 5 years, but a Capital One CC closed in 2002 drags down her score because it is reported with new amounts every few months when interest is added, even though it's reported as a charge off. This makes it appear that she is more than 60-90 days days late even though the last activity was in 6/02. Her CC balance was $250 when it was closed and is now reported as $1,400 due to interest! How can she get this reported correctly instead of it being reported as a more recent debt? I am aware that adverse information remains on your credit report for 7 years from the date of last activity, but they seem to be restarting the clock continually, this can't right. The account was recently sold to a third party who is not yet reporting it.

2007-06-02 11:12:58 · 4 answers · asked by SoCalMom 2

I think I have 'pissed off' someone at my credit card issuer. Every time I try to use my card it gets declined. My balance is not where near my credit limit. I have not been late on a payment for the last four years.

Does this constitute an adverse action as defined by Regulation B.

2007-06-02 11:05:55 · 8 answers · asked by realist_001 1

i cant buy anything with 40cents, and i tried donating the money but my paypal didnt work, so, how do i get rid of it?

2007-06-02 11:02:54 · 3 answers · asked by DiaBEEtus 3

Just wondering, i'm writing a report on Credit Cards.

2007-06-02 06:50:09 · 7 answers · asked by Anonymous

I make about 60k a year but am self employed and have been self employed for only 12 months. I think I need to have my business for 2 years or more but am not sure. Prior to that, I did work for at least 2 years at the same company. Does that count/matter? The loan amount would be less than 60k but I want it at 100%. Credit is below average. 550-580. What can I expect? Don't care about the interest rate.

2007-06-02 06:46:55 · 2 answers · asked by FreakyGeeky 3

with approvment to the application.

2007-06-02 06:41:26 · 9 answers · asked by Anonymous

Ive been bringing up 2 children by myself and have got a bit into debt on credit cards. Now when Im looking for a loan to clear these debts no one wants to know. Im not working and live in rented house, so where do I turn to for help?

2007-06-02 06:17:33 · 6 answers · asked by Anonymous

2007-06-02 05:14:31 · 4 answers · asked by southrnrebl4lf 1

2007-06-02 05:10:26 · 6 answers · asked by cedric f 1

2007-06-02 05:00:26 · 7 answers · asked by cedric f 1

I'm 22 and I need to take out a loan but I don't have any collateral for the bank. I want the loan so I can pay off my motorcycle ($9,000) and get the title so I can sell it for $7,000 which means I personaly would only be paying $3,000 back to the bank. Is this a good idea or is it even possible

2007-06-02 04:18:38 · 8 answers · asked by Anonymous

What does disposable income mean?

2007-06-02 03:55:08 · 2 answers · asked by kristina 1

I realized I left the first deposit slip, all filled out with my account number, name and address, on th ebank counter. What if someone found it (I mean some customer)... can they take my money with that info? (name, address, account number) SHOULD I RUSH BACK TO SEE IF THEY CLEANED THE COUNTER UP? The bank closes today at 1 pm, do you think they clean up before re-opening monday? Am I totally risking identify theft or money theft in these couple of hours remaining before they close???

2007-06-02 03:40:08 · 6 answers · asked by Anonymous

2007-06-02 02:13:11 · 3 answers · asked by Anonymous