Credit - June 2007

2007-06-27 02:10:24 · 11 answers · asked by Kay 2

if 99.9% of the responses about loans are scams why are these suspect replies not monitored by yahoo answers as some really vunerable people could end up in even more serious difficulty by answering these e mails

2007-06-26 21:55:36 · 5 answers · asked by Anonymous

2007-06-26 17:57:45 · 8 answers · asked by Barbara O 1

Because people say you need good credit to get loans for houses, etc., but then they say "don't get a credit card, they are bad news"... so how can you get good credit other than by having a credit card?

2007-06-26 12:13:28 · 10 answers · asked by ssmith 3

im wondering why i have the balance i have. I know i had to pay an annual fee and all but after the fee, i have 124.00 on the card but then when i just checked online, it says i have only 75.00 on it. i made no transactions or anything due to me not having the pin number in yet, thats coming in 7-10 days. So where is this charge from? im just worried since this is my first card, i got it so i can get some kind of credit to buy a car. Someone please help me out here so i can stop freaking out.

2007-06-26 11:51:02 · 14 answers · asked by short_n_sweet70301 3

I was told by a mortgage company that I can request that a debt in collections be removed from my credit report without having yet paid the entire debt. I do make monthly payments and would like to request for this to be removed from my report to bring up my credit score. I do not know how to go about requesting this. I have a letter started for the company, but have no idea how to word this so that I don't sound completely retarded. Any advice on how to word my request?

2007-06-26 10:33:52 · 13 answers · asked by Anonymous

I stupidly paid off a request from a collection agency for a fee i owed verizon wireless for early termination..... i didnt realize at the time that it was on my report so i paid it, now i dont know if i have a bargaining chip since they have my money. Any ideas to get it off my report? Thanks!

2007-06-26 10:03:55 · 7 answers · asked by Anonymous

i've just found out my ex has got a promotion and a payrise, would this affect the amount of money i get a month and should i tell csa or will they find out for themselves? i'm not on any benefit...

2007-06-26 09:26:08 · 8 answers · asked by nicola j 1

I'm sure this is a stupid question with a simple answer, but I really would like to know. If this country is so in debt, couldn't they just "print" more money to solve this? I have already read that there is not enough gold to back up the money already printed, so why conserve the paper now?

2007-06-26 08:58:47 · 7 answers · asked by Sharon B 1

i have 700+ credit now, but when i cosign my friend with no credit score to get his car, do my credit go down by half or something? so whenever i apply for something else like a phone line, will other people will see my credit lower?

2007-06-26 08:55:18 · 5 answers · asked by Mr. Questionair 2

2007-06-26 08:25:40 · 2 answers · asked by !!!! 1

I just did the closing and find out that real interes rate for thsi mortgage is 9.25 % . It's a 5 year arm. I wander if any1 knows when and where in the document during the processing ( not a closing) lender or brouker should specify the real INteres rate not an option for 5 years. Is truth in lending under APR should have the real rate or the introduction rate?
Thanks for the help.

2007-06-26 08:17:20 · 4 answers · asked by PicassoInActions 3

2007-06-26 07:46:49 · 9 answers · asked by pmakdaddy 1

My 23 year old son had his car repossessed back in December 2006. He was told by Toyota financial, that he had to pay the balance on the loan, plus towing, plus impound fees. It came to over $17,000. Obviously, he did not have this kind of money so the car went to auction.

He now owes about $8000.00. They have offered him a payoff of $4400.00, which again, he can’t afford. Other options are a large monthly payment, wage garnishment or go to court. The monthly payment is more then half his paycheck, they told him garnishment would be as much. He’s worried because he still has to live, eat, rent, and drive to work. He won’t have enough money to live on.

My question is, would he do better going to court? Toyota says no, they will tack on court costs and interest etc. and he’ll owe more. But will the judge see it that way? Will the judge actually allow them to take so much money he can’t pay his bills? Also, we found out it was against the law for Toyota to tell him he had to pay the loan in full. By law he had the right to bring his payments current, plus impound and towing fees. We could have managed that, but they told him no dice.

My son is not trying to get out of paying his loan, he’s just trying to get payments that will allow him to eat and pay rent. Does anyone know if going to court is better or worse for him?

2007-06-26 07:07:03 · 12 answers · asked by Misty 7

If I was taken to court for money owed to a bank, when is the 7 years statue of limitations up, from the court date or date of last payment or how do you know???

2007-06-26 05:33:54 · 5 answers · asked by littlemaltese 1

I have bad credit, medical bills, bogus car loan, and prepaid credit card. I am looking into buying a home and would like to get approved for the loan. how can I pay back old debts, find out who I owe, and where to send money. if I start paying back immediately, how soon can I see a change in my credit score?

2007-06-26 05:21:12 · 5 answers · asked by Anonymous

My company has another company claiming we owe them money and has sent us to collections. Is there a form or number I can call to dispute the claim? I tried calling Experian, Equifax and TransUnion and have hit dead ends. Can anyone make a suggestion on how to dispute this? Should I just put a fraud claim into the credit agencies? Help Please! Thank You!

2007-06-26 04:53:23 · 7 answers · asked by TJ 4

2 questions.

2007-06-26 04:48:35 · 6 answers · asked by Anonymous

It was for exactly half of what the original purchase was. I called the station and spoke with the manager and he said that happens sometimes and they will research it. I don't think my card has been "skimmed" but I have never heard of this happening. Has anyone else?

2007-06-26 04:46:40 · 4 answers · asked by Sue 2

If I do dispute two enteries on my credit report for the same credit card company and they do validate it, will the statue of limitations start over??

2007-06-26 04:07:52 · 3 answers · asked by littlemaltese 1

A few years back I fell into some financial problems, and ran up one of my credit cards. After months and months of fighting with the credit card people, I finally got on a payment schedule that I could work with. I do believe my interest rate was fixed for one year at 12%. Now with the year being over my rate is 29.something%. This tacks on another 100 plus dollars a month to the bill. I ran my credit reports and they all say something different, so I have no clue how to go about getting this lowered. Someone suggested I call one of those credit repair people, I am wondering if anyone has used one and if they helped.
I was just getting this balance down, and now it is shooting right back up and I feel like I'm never going to be able to pay it off. Any help would be great.

2007-06-26 04:06:45 · 4 answers · asked by rollieoolie 4

I will be a senior in the fall and currently have two check cards. I want to apply for a credit card to establish a line of credit but am not sure if I should...

Should I apply for a credit card? If so, should I apply for a student credit card, even though I only have a year left?

I am looking at CitiBank's Platinum Select Card...anyone have that?

2007-06-26 03:25:05 · 9 answers · asked by surfandsand10 1

I recieved my credit report. I have a couple of judgments that are public record but they spell the name of the county wrong. Like Gramt Circuit Court, and it is, Grant Circuit court. if I dispute this, would it be removed for that reason??

2007-06-26 03:09:04 · 3 answers · asked by littlemaltese 1

I have creditor that says I have to make at least a $300 payment a month or they are going to charge me off? Can they do this? I can only realistically afford $200 a month and thats stretching it. I am not sure what to do.

2007-06-26 03:06:24 · 6 answers · asked by kevotron 1

2007-06-26 02:49:16 · 14 answers · asked by Anonymous

My wife ran up about $15,000 in charges behind my back over a period of a year and a half. So I all the sudden realized I owe this money and my credit score has now plummeted from about 700 to 500. The company I am dealing with is really pushing me to settle it for $6500, but they said that:
A. It may adversely affect my credit depending on my score
B. I will get a 10-99 form from Uncle Scam and have to pay taxes on that money.
I am not sure what to do. I am always suspiscious that it ISNT in my best interest to do something that the creditors are "really encouraging" you to do. I guess what I am wondering is how badly my credit will be damaged. I have read that when your credit gets to a certain level, it is actually positive on your report that you settled. I also want ot know if anyone knows how much I would get charged by the government via the 10-99 on $6500.

2007-06-26 02:35:27 · 8 answers · asked by kevotron 1

I filed for disputes on all 3 CRA,however I received a letters from all 3 stating that they received my request for identity theft and has placed some 90 day fraud alert on them.I never reported my identity as being stolen,just wanted to clear a simple medical dispute that should have been covered by my insurance company.

Is this common to receive these letters during disputes or is that their way of extending a dispute or something else?

2007-06-26 01:57:44 · 3 answers · asked by Dylan aka Dilly 4

2007-06-26 01:41:13 · 7 answers · asked by jrab7715 2

2007-06-26 00:47:40 · 17 answers · asked by madison t 1

2007-06-25 22:59:26 · 11 answers · asked by Anonymous