Credit - June 2007

me and my fiance are in the first stages of buying our first home...im dying here, i have terrible credit and its all because of ID theft, i cant report it cause its a family member.
ive come to the realization that its gonna have to be my load to bare, but how?

i want it fixed fast and easy...how can i do this? all the companies that say they do it for you sound like scams....HELP!

2007-06-28 08:52:57 · 14 answers · asked by at witts end! 1

2007-06-28 08:39:40 · 3 answers · asked by Anonymous

2007-06-28 07:42:20 · 5 answers · asked by Anonymous

If i paid for something in credit card and wanted to return it, would i get cash back? Are there any stores that would give me cash back if i paid with credit card? Please name them if any.

2007-06-28 07:27:12 · 6 answers · asked by Young J 2

I'm selling a big ticket item on Craig's list. The buyer is currently out of state, and wants to pay by credit card through Western Union. Is this trustworthy? I've never worked with Western Union before. How does it work?

2007-06-28 04:15:50 · 6 answers · asked by Brandon 2

2007-06-28 03:12:55 · 8 answers · asked by Anonymous

I currently have a 2 year old visa and an 8 year old discover card. I opened the visa credit card to use during a vacation. The card had one year of 0% interest. That allowed me to pay off the vacation without any interest. Since then I have rarely used the card and it now has a zero balance. It now has a terrible rate. I am interested in doing the same thing again for another vacation. I would like to cancel the visa that I have and open an new one for the 0% intro rate. Will that have a negative impact on my credit? Thanks!

2007-06-28 01:23:47 · 5 answers · asked by Anonymous

i ve got US credit cards capitalone and hsbc...plus hsbc debit card...will i b able to use them when i go to london...in augus 1

2007-06-28 01:15:51 · 5 answers · asked by samuel 1

i am taking more loans to repay my existing pwrsonal loans. my business is not well since three years.my house is also from bank loan.tell me some solution.

2007-06-28 00:21:25 · 3 answers · asked by naresh k 1

I have a judgement against me from Providian . It's almost 10 years old. I never paid any of it. I live in Texas and it is renewable in 10 yrs. It was sold to Sherman aqusitions.Now after all this time they are writing me, threatening me.I absolutely cannot pay it and what can they do to me?

2007-06-27 21:27:32 · 5 answers · asked by ellie 1

my credit score is 734 because im 21 and only had credit for 3 years. i want 830 or higher right now. i never had a late payment, never had a missed payment. and there are no negative things on my credit. i have all unsecured credit cards with visa and master card with 10,000 credit limit.

but it sayd 30-40% of people have better credit than me. thats a lot. it said it because 3 years of credit history is short. and it said the average credit history is 15 years. im NOT waiting till im old for 830 or higher.

i read something on credit attorney, and it said if you have someone esle authorize you on their credit report, their history on that card reports on to yours.
so if a parent has a 834, and they have a kid with a lower score like 700, it will raise their credit a lot higher right away.
my mom has a 834. could i have her authorize me on her card, and have her history report on to mine? she has no car loan, and owns her house with no mortgage, so theres no risk she will

2007-06-27 20:51:02 · 11 answers · asked by beach_babe971 2

hi there,,, currently i only own 2 credit card. one is from bank o america visa and other from citi bank master card. its has been now almost 3 years i opened my first bank account with the bank of america and had my first visa card of $700 credit limit. i opened my second credit card account before 6 months from citi bank and got a credit limit of $6000. i use my credit card all the time and never missed any of my payments and rather my credit cards always has a negative balance as i kept on paying extra. by requesting, bank of america raised my visa credit card limit to $2500. i checked my credit score a week back for the first time from EXPARIAN and it was 783. my credit score raised to 783 in 3 years. but i currently dont own any mortgage or any loan under my name. i often get credit offers by mail but never applied any. i am planning to get a car on a loan of $25000. am i going to have problem getting the loan. is it the right time to apply for better credit card? thank you.

2007-06-27 18:39:43 · 3 answers · asked by smarterchild_usa 1

2007-06-27 18:10:04 · 1 answers · asked by Anonymous

What should I do? I recieved a letter from Chase stating that they lost a disc containing personal info about me including social sec#, DOB, address & etc. I called and spoke with the manager who only offered my a year of free credit monitoring and apologies. Does this seem right, should I have been offered more?

2007-06-27 15:50:24 · 6 answers · asked by blesnme 3

Yep. That's my credit score. How can I apply for more credit to rebuild? Where do I apply?

2007-06-27 14:20:58 · 6 answers · asked by warmwardbound 3

It says it is public record but it shouldn't be their. Please help, im in tx and it is realy making it hard to finde a place to live.

2007-06-27 13:52:49 · 4 answers · asked by tiana2404 3

I have heard in the past that if you have bad credit your auto insurance rates may increase. I did a chapter 7 bk last month and my auto insurance is due to be renewed at the end of August. I have used the same company for over 10 years now with no accidents. I have never been late or missed a payment.

2007-06-27 13:47:52 · 5 answers · asked by Jill S 5

I'm helping my son,who has had a job three years and is stable . But, When he applied for a sears credit card . turned down flat also, the bank did too.He was in arrears to the calif.child support, but is now paying and catching up. He pays his bills on time ,but the credit report say severe delq. is the reason. Any ideas out there?

2007-06-27 13:34:16 · 3 answers · asked by Deeray G 1

Is it true that having no credit history is the same as having a bad credit history? Will someone please provide me with a list or a website link that has information for establishing credit for the first time? The fact that I am in my early 40's may or may not make a difference but in case it does now you know. Thanks!

2007-06-27 13:00:22 · 3 answers · asked by babycattos 4

If so, do I have to send them a copy of the entire thing or just the front page and the page that pertains to the dispute?

2007-06-27 11:19:48 · 6 answers · asked by mclay 1

State = Missouri. Can a collection agency garnish a checking account without first getting a judgement on a credit card collection?

2007-06-27 10:37:28 · 7 answers · asked by John 1

2007-06-27 10:16:38 · 15 answers · asked by Gypsy Gal 6

2007-06-27 10:14:41 · 14 answers · asked by ? 2

2007-06-27 09:53:50 · 5 answers · asked by michele s 1

2007-06-27 08:25:59 · 8 answers · asked by Anonymous

a home equity??

2007-06-27 05:55:28 · 8 answers · asked by toolate 3

I've heard that in some cases pulling a credit report can negatively affect your score.

2007-06-27 05:12:42 · 2 answers · asked by J.A. 1

was taken over by a debt collection agency called lowell group and an arrangement was made to pay £21 per calender month. however after 3 months, they wrote and told her that they had reviewed her account and increased the payments to £24.50 or close to that figure. she emailed and objected but they still took the new amount. would she be breaking the law to cancel the direct debit and send them a cheque or postal order for the agreed £21 per month? or does she have no option but to pay what they decide?

2007-06-27 02:45:19 · 4 answers · asked by daftoldwoman 4

My fiance is struggling with credit card debt and can't do anything to pay it off. He keeps telling me they can't get money from someone who has none. Anyways someone made a phone call to him last night and said "if you do not call me back by 9 pm tonight I will take every legal action possible against you". Of course he called his family to ask for advice and then they said and have been saying that it's just a "scare tactic"... unfortunatly Im not sure anymore.

2007-06-27 02:33:26 · 9 answers · asked by Anonymous

2007-06-27 02:32:35 · 5 answers · asked by Anonymous