Credit - June 2007

I am trying to get a copy of my credit report from transunion threw annualcreditreport and it keeps saying...... your credit report indicates that additional precautions must be taken beofre we can grant access to your credit report.....I did have a fraud alert on it like 7 years ago, but I have applied for credit over the phone and people have gotten my info without a phone call to verify I wanted it done. How can I get the report online, If I use their pay monthly service to view it, will it let me then??? My brother which has never had anything on his report for an alert also tried it here and it states the same thing??Any info??Thanks!!

2007-06-21 13:30:28 · 7 answers · asked by littlemaltese 1

what are the qualifications for fha or fannie mae loans, i have a low (528) credit score and no down pmt ?

2007-06-21 13:09:31 · 4 answers · asked by stephanie v 1

I recieved my credit report for my husband which we filed bankruptsy and our discharge was july of 2000, on the credit report it states date filed 04/2001....Would this be removed if they reported the wrong date???

2007-06-21 13:03:12 · 5 answers · asked by littlemaltese 1

I recently sent a cease & desist letter along with a settlement letter to a collection agency...they called me today to tell me they received the letter and that my settlement offer had been declined and also said the account was turned over to their legal dept.
Why would they call me after admitting they receieved the cease & desist letter?
Being that they declined my settlement offer of $1995.00 which is $1000.00 less than they were trying to get from me...should I make another offer.
What can I expect from this point after they told me it was turned over to their legal dept.

2007-06-21 12:40:11 · 8 answers · asked by Anonymous

2007-06-21 12:18:27 · 8 answers · asked by Eric S 1

money withdrawn from my bank account says: IBP which stands for inter bank Payment any one know what this means

2007-06-21 11:58:59 · 0 answers · asked by Anonymous

I was buying books for school on my credit card, and I went about $50 over my credit card limit (which is about $500). My mom says that going over my limit is going to hurt her credit score. Is this true?

2007-06-21 11:12:55 · 6 answers · asked by bigstealfan821 2

The rep said it's because I only have been paying minimum payment due. Even if there is no delinquency, no default, they still raise APR. How can I fight back?

2007-06-21 10:24:42 · 8 answers · asked by somad 1

or do they all need you to buy something or sign up for something?

2007-06-21 10:01:06 · 6 answers · asked by ○•○•Cassie•○•○ 6

I live in Illinois and am currently like 80 days past due

2007-06-21 08:56:21 · 7 answers · asked by brandonneary 2

I settled an dispute with verizon becuase they had sold my debt to a collector and now the collector damaged my credit score which is what I do not get since everything was fixed between me and Verizon. I recently paid the amount the collection agency wanted however the dispute was settled over 3 months ago. I just want to know how i can demand the collection agency to fix my credit score Since the problem had already been fixed. I just unfair that an $80 loan took 110 point off my credit score.

2007-06-21 08:40:19 · 9 answers · asked by Anonymous

I settled an argument with Verizon about three months ago, in which they had sent me to a collections agency. So what I did was to settle the dispute with Verizi, once i did I called them and they told me that they would contact the collection agency and tell them to put me off their list. However now i tried to get a loan and they told me that i couldnt since my cerdit score was too low. They told me that my cerdit score had gone down more that 100 points over a simple dispute. So i called Verizon and they told me that everything was cleared and that nothing showed up in my account. So i went to the colections agency and they told me that everything was cleared in my account aswell. However i dont know why the collections agency deducted my point form the Crdit Beareu. Now i paid everything including the total i owed collections agency and I want to know that since I paid the total will my credit score go back up as it was 720??? Please help

2007-06-21 08:26:20 · 3 answers · asked by kashyyyk501 2

2007-06-21 07:33:56 · 8 answers · asked by Anonymous

2007-06-21 06:26:33 · 3 answers · asked by sik_cdns 1

I hear lots of people have a 3.99 or 5.99 % rate for life. That means you can pay as long as you want until you pay it off. Sounds good, doesn't it? Credit card companies are out there to make money. If you have a card that offers rate for life, they also require you to use it once or twice a month for purchases. This purchase rate is not 3.99 or 5.99% but it would be at 15.99%

When you send in the money, they will allocate the payment to the lower APR before balances with higher APR. That mean the cookies or gas that you just pump will not be paid until the balance you have gets paid first. By the time it all said and done, you paid for that $20 gas will not be $20 but it could be $40.
I don't understand why people would prefer rate for life? Do you?

2007-06-21 06:22:00 · 1 answers · asked by Phoenix 3

I heard somewhere that as long as the payment is mailed out before the due date that no late fee will apply. Is this true?

2007-06-21 06:11:28 · 5 answers · asked by Technics 2

I had some problems a few years ago and no job so my credit was really messed up and now I am making pretty good money so I want a new car. My fico score is 560 with about 4 collections from about 2 years ago but my dad has a 700 score and makes about 200k and agreed to cosign. I also have a 2003 Mustang that I only owe 3500 on and the dealership will probably give me 10500 for it The car I want is 30k sticker, Please, Help me out people what are my chances? Thanks

Additional Details


The dealship called today and he got my information and said he would call back. He called back but he didn't say I got approved, he just said for me and my dad to come up there. I ask him did It go through and he said he didn't try but earlier he said he would try? So, do you think he is lying and knows I didn't get approved or what? Why didn't he just tell me one way or another? I didn't mention, I make 3000 a month before taxes. Thanks for any help

2007-06-21 06:09:10 · 4 answers · asked by Anonymous

2007-06-21 05:38:44 · 12 answers · asked by Anonymous

Bought mattresses - total 3500.00 -
1700.00 was charged to my card. I paid it in full. 9 months later, they added 1800 to my credit card, without my authorization..... Im not denying I owed it, but 9 months later??

2007-06-21 03:54:29 · 3 answers · asked by finmansam 1

2007-06-21 03:23:12 · 8 answers · asked by nathen s 1

He is 19. Got his car last January when he was 18. He has been paying for a year & a 1/2 on it. Every payment has been on time. He is trying to get a loan for a new car but every place says he cant because he doesnt have enough credit b/c all he "has" is a credit card. which is untrue because he's had his car loan thru the SAME PLACE as the credit card for much longer. So he has been calling the bank his loan is thru and nothing has been done yet.

Is there anything he can do to make the bank put it on his credit report?

2007-06-21 02:59:28 · 4 answers · asked by Anonymous

knowing that they'll have to pay interest on them?

2007-06-21 02:54:34 · 14 answers · asked by Anonymous

would i have to pay anything for it, even if i never use it, i mean is there a monthly charge just for having the card or any hidden payments such as this?

And can anyone advise the best one to apply for that would suit what I am looking for?

Thanks!

2007-06-21 02:32:22 · 7 answers · asked by Kate 2

expess funding inc. called me saying i was approved for a loan of $65,000.00 for $396.00.Said i didn't have to put up my home. Only i had to make 4 payments of $396.00 this was a type of security insursance.i would not have a payment due for 4 months and the term was for 23 years at 5% fixed interest.Durning the 23 years if i couldn't make a payment that the 4 payments i had made would cover the paymebt for that month. Any one ever heard of this or this company?

2007-06-20 19:52:54 · 6 answers · asked by brenda t 1

I am willing to do electronic payments to get rid of it. I want to buy a home about a year from now, so I need help!

2007-06-20 15:37:17 · 4 answers · asked by cpuchicky 2

I was looking to get a small personal loan. ($2000) I was turned down because they said that I have too many accounts open.

I have $0 in credit card debt. I do have about 10 accounts that are open with a good amount of limits on them. My score is 738.

They told me that I should most of my accounts that I don't use or havent used in years.

I only use about 3-4 of them on a regular basis. I heard that closing accounts hurts your score too. So I feel like I am stuck in between a rock and a hard place. I want to do what is best for my credit score.

Please help me.

2007-06-20 14:25:05 · 6 answers · asked by Zoxx 1

I need exact stores

2007-06-20 11:43:43 · 3 answers · asked by babyblue2pie 4

Does it actually make your credit cards inactive? Does it decrease your credit score, etc? Thank you!!

2007-06-20 10:20:13 · 0 answers · asked by ens 2

In California u can get it at places like savons vons walgreens etc

2007-06-20 09:54:55 · 3 answers · asked by babyblue2pie 4

My elderly neighbor purchased an appliance 2 years ago and could not complete payments due to unforeseen circumstances, and has not had the money to settle with collections. The debt is less than $3000. He received a notice in the mail today that he needs to pick up a civil warrant from the sheriff's office. He knows that he will be served with a judgment because he owes the money, he simply did not have it, however now that we're aware of the situation my husband and I are willing to help him take care of this debt.

Since a warrant has been issued, is there any way to pay this debt before a judgment is placed? He is about to need to mortgage his house because of some other problems, and is concerned that a judgment on his credit will keep him from doing this.

2007-06-20 09:47:30 · 1 answers · asked by Just call me Z 1