Credit - June 2007

not sure where to ask this but I read my old back statement from like 2 months ago ..... well i never use my atm card to withdraw cash, however i noticed that some how money was taking out at an atm... how long to the bank cameras keep their recordings for?... thanks to any help....I called my bank and they will replace the money taking out

2007-06-20 07:35:41 · 3 answers · asked by justin 1

As I am finishing law school, I was wondering what relationship an attorney can have with a credit agency or business that is able to pull a credit report. It seems as if no attorneys can work for a company that pulls credit reports, but can they own the company, possibly as a silent partner? Can an attorney work for or with a company that pulls credit reports even if it is not in the capacity of working with anything doing with credit reporting? Every attorney that I have looked into requires that a client bring in a copy of their credit report.

2007-06-20 07:30:56 · 2 answers · asked by DR 2

Need a personal loan for $3,500.00. I am a private investigator starting my own business. My credit scores are low(I checked them), because I don't have health insurance and have paid rx costs >$300/ mo for more than 12 years. I am sincere about wanting to improve my credit as I want to start a business and purchase a home. I am employed parttime as an investigator and have another parttime job as a sales rep starting July 10th. I will be able to pay back a loan, but because my other job doesn't start for 3 weeks, I am in a desperate situation at present. Will be glad to give additional details to anyone who can offer legitimate suggestion. I am really frustrated with all the scams out there, real help only, please?

2007-06-20 07:13:24 · 2 answers · asked by islandinvestigator411 1

I was wondering how much the overdraft fee was, because I was never too clear on it.

2007-06-20 06:55:16 · 4 answers · asked by girl_is_depeche 2

I recently purchased something $60 on Ebay using my credit card, I've created a Paypal account, but I haven't verified it. Will I still get the item?

2007-06-20 06:02:13 · 5 answers · asked by Anonymous

I've heard, but not sure if it was correctly, that if you've had a debt for 7 years, it automatically gets wiped off of your credit report, and your credit score returns to normal. Please let me know if that's true or false.

2007-06-20 05:57:29 · 11 answers · asked by Anonymous

Have not so good credit, but have a good job and can make payments It is just that the payday loans in particular are costing a lot in service charges, and I'm struggling to keep up

2007-06-20 05:36:06 · 3 answers · asked by Ernest B 1

2007-06-20 05:03:52 · 2 answers · asked by michelecloud 1

Can't pay the finance charges. I've decided to wait and try and settle with these companies. How long should I wait to start negotiating with them? I'm a co-signer on husbands and my house; can they put a lien on it? My husband is not on my credit dept.

2007-06-20 05:03:44 · 5 answers · asked by Anonymous

I resently listed online my spare rooms for rent. I've been getting alot of emails from ppl of different country with basicly the same story. I'm in South Africa or some other country, I want to move to the USA, I saw your listing can you sent me more information, do you accept advance payment and can hold the place for me..and so on and so on about their personal life. Somethings not right? if it is some form of fraud what can I do about it?

2007-06-20 04:53:33 · 4 answers · asked by moose 4

It started doing this a few months ago. I make sure I have enough money and even wait a few days so it's all processed {money transfers and whatnot.} Then I check the balance online and it says I have plenty of money. But when I slide it over at McDonalds or at the gas station or other random places, it says I got declined. So I check with my bank and they said they don't know why that is because I have money. I asked if something was wrong with the card but they checked it and said the card looks fine. It'll work sometimes, randomly, but I can never be sure if it'll work or not. I usually take out cash now if I want to buy something but if anybody else has had this problem, should I just insist on getting a new card or what else is wrong?

2007-06-20 04:34:07 · 8 answers · asked by Anonymous

Over time i have accumulated large credit and personal loan debt that i am really hurting from today. In the past 6-12 months i have been making minimal payments on all the credit cards on time. The interest rates are high on the credit cards between 19-30%. I contacted serveral debt conslidation firms that told me that i would need to be late on my payments before they can help me.
Can anyone recommed a non profit debt managment firm?

2007-06-20 02:38:57 · 5 answers · asked by Newlyone 2

2007-06-20 02:11:33 · 1 answers · asked by Anonymous

I am about 30,000 in debt, mostly from credit cards.

I was married already when the debt occured but they are all in my name, not my husbands. This weighs on me alot. I stopped paying on them about 3 years ago. It got very over whelming.

We are wanting to buy a house in about 2 years. I dont know what to do file bankruptcy, offer a settlement, or continue not paying. Alot of them are "charged off as bad debt" or in collection accounts"

What is in the best interest for me and my family?

Take home pay is about 30,000 a yr. We still have to save for a down payment on a house. We have rent, insurance, gas, electric, internet, tv, phone and all the obvious, normal bills to pay too.

I will answer all questions. And I Thank You for any advise any one has to offer.

2007-06-20 01:16:12 · 16 answers · asked by Anonymous

House costs 575,000.00 and taxes are 8500.00/yr. I am a single mom with a son going to law school in August- I have a low income-50,000.00 and do not want to worry about a mortgage payment as I may lose my job due to a corporate merger-I can claim the taxes on my return.... I really do not want to worry about a mortgage at this point in my life-any ideas>

2007-06-20 00:36:28 · 10 answers · asked by sunflower 2

I would like to begin paying an extra house payment a year.How much will this really benefit me!They seem to always find a way to go up on a fixed loan. Does it make any difference at the beginning or end of the year! Just curious!

2007-06-19 23:27:26 · 6 answers · asked by need2know 5

I am 26 and finnally starting to grow up, I had a couple unpaid collections probably totalling $500, other than that I have never paid for anything on credit. Now I have a pretty good job and I want to start thinking about buying a home/condo, and also I am going to need a new car soon and I'm really tierd of driving junk so I would like to get a loan for that as well, I would be interested in 1st time home buyer info, and credi building/car loan info. Thanks

2007-06-19 17:54:23 · 10 answers · asked by dusty8940 6

My Financial Advisor said to cancel my Express and Vict. Secrets cards that I paid off- they only have 600 limit- I have 9000 on AMEX limit and 5000 on BOA visa- Macys credit of 700.00; Nordstrom- 500.00 - another visa-300.00 limit- ALL CARDS ARE PAID UP TO DATE- what should I cancel if any as I may want to get mortgage this fall-

2007-06-19 17:41:28 · 6 answers · asked by sunflower 2

How long does it take for a bank to unfreeze somones account so that money can be relased to another bank??????

2007-06-19 17:15:53 · 4 answers · asked by candyberrys23 1

2007-06-19 16:20:29 · 1 answers · asked by raine 1

I have some accounts that are with collection agencies. I want to pay them off, but I don't know if I should go through a Consumer Credit place or to do it on my own.

2007-06-19 16:13:04 · 5 answers · asked by sayra718 1

I have tryed many places already and no luck. i know this is a pretty stupid question, but can u refinace ur car and get extra cash like u would with a home refinance. or i know u can put up a car as qolateral, but im still making payments. does the car have to be paid off to do one of those pawn auto things. anyone have any ideas to get some cash? im moving in a month and need money to move.thanks

2007-06-19 15:57:21 · 6 answers · asked by angelz8 1

There is alot of information sorry I couldn't cut it short. I am applying for a loan for a mobile home (manufactured) and it's a foreclosure that has been on the market 80 days for $84K. No bankruptcy or foreclosure in the past, in fact it's a first time thing. Ok credit score is 585, 637, and 617 well they pick the middle one so it's 617. Gross monthly income of $5000 and monthly debt of $400. Well we were not accepted from caldwell banker b/c the only thing posititve on the report is one credit card which was opened in October and it's a $3000 limit with only $800 spent. On the credit report there is $3267 in debt. Is there any way we are eligible for this loan? We can do $2500 down and can show proof of everything! There are so many people out there that get this sort of thing, people worse off than us financially and it is possible.......I am in desperate need of some assistance. Paying $1000-$1200 a month is in our budget. Anyone please help! Thanks so much!

2007-06-19 15:49:55 · 4 answers · asked by momma whitley 2

I know a couple who want to file bankrupcty and don't qualify for it so they buy 2 new cars and then cut her job to part time and they still don't so now she just voluntarily quit two jobs so they don't have to pay the bills I think that is fraud

2007-06-19 15:24:34 · 4 answers · asked by passionannie 3

I have braces and have monthly payments of 160 the remaining balance is $1710 if I pay it all off will it build my credit?? It is a 2 year contract started on april 2006 and I want ot pay it off now will it build my credit?? anyone???

2007-06-19 15:23:01 · 2 answers · asked by jcTROE 2

Also,

Are mortgage closings only done at the end of the month??

2007-06-19 15:22:12 · 3 answers · asked by Mare 1

If it was stolen along with a credit card. Why would the government not want to help someone keep from having their identity stolen before it happens? All credit card charges this person has made have been cancelled along with the card, but if they have the social security card can't they just keep applying for a new card?

2007-06-19 15:21:31 · 3 answers · asked by Wilochka 4

Today I found out that my credit score is 770. The reason why my credit score is high is because my parents co signed ro me to get a car loan. Today when I went to apply or a credit card I got rejected. I don't make alot of money. My question is even though I have a high credit card and becuase I don't make alot of money is that the reason I got rejected? Is there any way I can got my own credit card since I don't make alot o money.

2007-06-19 14:37:30 · 10 answers · asked by sb0983 1

I was told i could get one to help my credit score go up.
I have no job and go off my husbands pay. Im about to be 20 in august.

We are starting a family. So I need one that will be good for us in the long run really and we both can have even though i have no job.

I would go throuh our bank, but we might not be with them for long. Our other bank we have I know wont be very good to go through cause we will be shutting it down next year when my husband comes back from deployment.
I want to get credit in case i have to open an account with a company.
I already had to pay a rediculios $200 up front deposit fee for electric, almost had to do the same for the phone as well.

2007-06-19 14:34:00 · 8 answers · asked by Anonymous

I'm pretty sure I know the answer to this but I'll ask it anyway: Wilson Lending Inc., and some guy by the name Greg Wilson is offering to lend me $25,000 at 3% over 5 years. All I have to do is send him a $275 non-collateral loan fee? This is a scam right?

2007-06-19 13:22:57 · 6 answers · asked by Matt T 1