Credit - June 2007

if its low, explain what made it bad?
if its good, what did you do to make it good?

my credit is 734. but I cant get it any higher, and it says there are 30-40% of people with a better score than me....

maybe cuase im young. im 21 and only had credit for 3 years. it said the average credit history is 15 years, so basically it wont go to 800 till im in my 40's?

if i take out a car loan, pay it for 3-5 months, then sell it and pay it back help my score? im going to sell it any ways because i want to lease instead so i dont have a car loan when i go to apply for a mortgage.

2007-06-25 22:17:41 · 5 answers · asked by beach_babe971 2

if i have an old credit account closed and charged off in may of 1999 is it legal for it to be transferred again and the new collector updates the debt to valid as of today on my report is this legal or can i sue them for fraudulent practices I have had zero communication with anybody in the entire 6 years.

2007-06-25 21:28:25 · 6 answers · asked by Jesse M 1

My father did this for me years ago (still have the cards). I'd like him to add me to more of his accounts to raise my fico score. I don't want him to think I'm going to rip him off, I don't even want a card in my name.. just something on my credit report that says I have a longer length of credit history.

2007-06-25 19:43:17 · 9 answers · asked by Mike P 1

2007-06-25 18:29:45 · 3 answers · asked by sweet2cute35 1

2007-06-25 17:52:22 · 5 answers · asked by lobo 4

I went and looked at a apartment yesterday, and talked to the landlord just a bit. I said i liked it and was interested in renting it. He said he didnt have any applications on him but he would contact me later. Well today he called and said he want interested in renting to me, because he pulled my credit report and it wasnt good enough. The thing is I only told him my name. I didnt even tell him were i live now. Also my credit isnt bad. I think i was discriminated against.

2007-06-25 17:49:29 · 5 answers · asked by mojojojord 1

i went to byerly's grocery (liquor store department) in eagan, mn and looked over my receipt, which included my full birth date along with the last four digits of my credit card number. Isn't printing my birth date on a credit card or cash purchase an invasion of my privacy? What would justify this?

2007-06-25 16:53:16 · 2 answers · asked by butterflylover120804 1

i am 19 and have never had a credit card...just tons of debit cards. what credit card can i actually get to start off with?? i would like to build some credit while i am away at college.

2007-06-25 16:44:57 · 10 answers · asked by Nico 5

WHAT CAN YOU DO TO RAISE YOUR CREDIT SCORE, AND WHAT SHOULD YOU BE LOOKING OUT FOR

2007-06-25 16:24:44 · 7 answers · asked by exotichic 1

I had a credit card that went to collection over seven years ago. But one has sold it to other and other and now I have a new collection agency telling me that I owe them money for a debt and it will stay on my credit until 2012 That will make it a total of 13 years this debt for $2000 is following me. Can they do this. I have disputed it once but I just tried and dipute it again. And experian told me no that I already disputed it. Now what

2007-06-25 15:46:58 · 8 answers · asked by meadows123 3

My friend has just been diagnosed with a brain tumor and has accumulated a lot of credit card debt as she cannot work and has children, (her husband died several years ago). What will happen if she contacts the credit card companies and asks if they can help? Will they lower the balances? There is no way of knowing whether she will be able to pay them at this time.
Will this information about her health get into her credit report if she tells them?

2007-06-25 15:34:32 · 2 answers · asked by Nico 1

Check this out, now they got multiple accounts and defending each other.
http://answers.yahoo.com/question/index?qid=20070625181325AARASUz&r=w#Q5d4U2ToWDZrnGLn4e9LlnVv7U4SYlnO6QYnVAyT7j06_2lTfWhf

The advance loan scheme thing is thick here...

2007-06-25 14:51:02 · 2 answers · asked by 1090 4

can I get a morgage if I have a credit score of only 577, I don't owe anything and make about $35,000 a year.

2007-06-25 14:09:39 · 2 answers · asked by Anonymous

I will be graduating college in December, my career is already set. I would like to buy my first new car and I also have an interest-free home loan from the military I would like to use. I need to build my credit score, how did you build yours or how do you help others build theirs.

2007-06-25 13:38:21 · 4 answers · asked by Seeking 1

This is warning.... about 3 years ago I helped my daughter out by purchasing a subscription through her school to readers digest... approx. a year ago I asked them numerous times to cancel the subscription and not send any more.. they continued to send books.. I sent them back along with additional requests to cancel subscrition. Then we moved and the books stopped showing up even though we had our mail forwarded to our new address so I asumed the subscription was cancelled and no more monies were owed.....I just recently recieved a call from a collection agency regarding monies owed to Readers digest. I called readers digest to inquire and was told that I had to paythe bill. Please take this as a warning to not subscribe to them because the will RIP YOU OFF!!!!! they are the worst company I have ever had the displeasure to deal with

2007-06-25 13:04:30 · 3 answers · asked by javaman1992 2

a relative had co-signed on a credit card for me.... the relative found out that i had accidentally gone over the credit limit (and it's a big limit) i haven't talked to the relative yet about it, but i do know that the relative knows for sure that it was over limit.... i don't know what to do or what to say to the relative about why it's over limit.. i plan on telling the truth, that i just over spend and that i am trying to get out of my hole.... i don't think she'll be all p*ssed off about it, but i do think she'll be disappointed and a little mad.. what do i do!?!?!?!?! i need to get out of this mess!!!! if you were the relative, what could i do or say to make you feel better about what i have done???? I am REALLY sorry and fully intend to pay everything off (and have been paying on it for a while, never late or anything like that....) thanks!

2007-06-25 12:40:09 · 16 answers · asked by what's it gonna be?? 2

2007-06-25 12:31:49 · 3 answers · asked by lala 1

Do these companies who advertise helping cutting debt in half really work? What is their fee for doing th is , help me with my high credit card debt please I sure need someone who has used one of these companies

2007-06-25 09:48:30 · 6 answers · asked by ghillips2003 1

we are trying to take care of old bills and things and i need to watch my report so whats the cheap one?
ive allready done the free one awhile ago so that will not help.

thanks and any tips on fixing your score great!!

2007-06-25 09:45:12 · 8 answers · asked by laura 3

2007-06-25 08:17:49 · 3 answers · asked by Kerv 2

Lets say I have a blance of $1000 on a card w/ 20% interest. After one month of not being paid in full, would there be an additional charge of $200?

Basically, is the interest accrued monthly?? Whats typical?

2007-06-25 08:04:37 · 4 answers · asked by businessgrad2007 2

Are they basically the amount owed against the interest rate? Apperently, these aren't accumulated in your minimum payment amount cause the amound I owed was $511.58 and I made a minimum payment for $15.00 (on time) and for whatever reason, I still owe 528.02 now! Is this a monthly orrurance? I'm just trying to find out exactly what's the real amount I need to pay without paying too much.

2007-06-25 08:00:55 · 4 answers · asked by Jamaal E 3

2007-06-25 07:55:41 · 4 answers · asked by madison t 1

I have got a statement from a debt that is at least 9 years old , I had to quit work because of a disability and now I draw disability ,I have been told I should seek a attorney to see what to do ,this is from a collection agency that has been referred to them by another financial service ,what should I do because I truly do not have the income to pay this bill ,I have not contacted them yet ?

2007-06-25 07:50:53 · 9 answers · asked by SANDY G 2

2007-06-25 07:29:29 · 7 answers · asked by Anonymous

This angers me and I don't understand. Does Experian actually inflate your credit scores or is Transunion really a hard-***? My Experian score is 637 which puts me in the "Fair" bracket. But then my Equifax is 606 and Transunion is 598 (crap!) and both put me in the "poor" bracket.

I don't understand. I would think my scores would be relatively the same between the three.

Why the discrepencies in scores? Is one more "accurate" than the other? How would a potentinal landlord and employer evaluate these scores? Would they average them out?

2007-06-25 07:18:18 · 9 answers · asked by Ms.Kimchi 1

2007-06-25 06:53:49 · 8 answers · asked by allan h 1

i posted this question b4 and got nothing but a bunch of offers from people overseas who wanted me to western union them money upfront.....

2007-06-25 06:32:50 · 5 answers · asked by como2pica 1

Im going to join the police academy for a few years while i finish school, but they told me that my credit has to be clean and that i dont have to owe nothing. I have two credit cards, when i went to best buy they coulnt give me credit for that store? how can i check my credit score? and how can i fix it? Thx in Advance

2007-06-24 19:21:35 · 8 answers · asked by gerrysilva10 1

I was thinking of buying some of this tea and I want to know if I should trust this site when giving personal info...

http://www.wu-yisource.com/

Please give an answer! :)

2007-06-24 19:01:21 · 4 answers · asked by KaykayxMichelle 3