Credit - July 2007

2007-07-21 16:38:48 · 7 answers · asked by sweetpea 2

My mom has been talking to someone on the internet that is in real estate. He told her that the money that he's getting from the person that he sold the property to was gonna send it through a bank draft, he does'nt have a bank account of his own and he ask my mom could he use hers to do the bank draft. the amount is $10,000,000. We think it's a scam, what do you guys think?

2007-07-21 16:24:57 · 0 answers · asked by onique1980 2

I have an account that is charged off. Which means the creditor wrote it off as a loss. Can they still send my file over to a collection agency to collect on it? I now have a collection on my report also for the charged off acct. Please let me know. I thought if an acct is charged off, that was it and it just remains on my credit report for 10 years. Thanks

2007-07-21 16:23:08 · 11 answers · asked by ANGELMOM 1

I was late on my credit card payment two months in a row. I think it was because I was travelling and they don't give me but about 1 week to pay the bill. What bothers me is the balance (which I paid) is less than $300 each month and the late fee is $39 plus finance charge. That's an effective rate of over 120% per year.

I suppose they have a right to charge whatever they want to charge, but this seems exhorbitant. Is there anything I can do to negotiate out of paying it or do I just pay up and be more careful in the future?

2007-07-21 15:19:50 · 8 answers · asked by blue_prince_of_dallas 2

2007-07-21 12:09:25 · 9 answers · asked by alex91208648 1

2007-07-21 11:39:51 · 4 answers · asked by dmcghee15 2

ok so there is this game on the computer and u can get credits to buy clothes but you have to buy them. and my parents probably would not buy me them. i want to take their credit card and use it. it is a secure website and many people buy credits there. its is only $5-$10. will they get a bill and see everything they used their credit card on? i know they have to spend money on more important things and its really stupid but it's only 5-10 dollars. please help me. are they going to know if i use their credit card?

2007-07-21 11:24:57 · 11 answers · asked by Top Contributor 3

I want to see the loan paperwork because there is an address there that belongs to my dad's sister. We want to know if she bought a house under our name. It came out on our credit report. What can I do?

2007-07-21 09:59:36 · 5 answers · asked by crazyd 3

Here is a scenerio:
year: 2000 -- Discover Account opened
year: 2000-2002 -- Discover Account in good standing
year: 2002 -- Discover Account closed by Discover and final payment due (no payment made)
year: 2003 -- Discover Account charnged off / sold to collections (CollectionA)
year: 2003-2005 -- CollectionA Account: No Payment Made.
year: 2005 -- CollectionA Account sold to ANOTHER collections (CollectionB)
year: 2006 -- CollectionB collections Account: Settlement made and paid off/Closed.

How I have three accounts on my report.
Discover: 2000 - 2002
CollectionA: 2003 - 2005
CollectionB: 2005 - 2006

My question is, when will these be removed from my credit report. I hear 7 years, but when will the 7 years start?

2007-07-21 08:09:05 · 8 answers · asked by Fahad S 3

2007-07-21 07:39:35 · 7 answers · asked by Scaredmt 1

2007-07-21 07:36:14 · 8 answers · asked by Scaredmt 1

My policy no details:- 953678841. Plan & terms :-93/25

Last premium paid 25.08.2006

Installment premium :- Rs. 549.00

2007-07-21 06:52:05 · 6 answers · asked by Anonymous

2007-07-21 06:35:30 · 12 answers · asked by David R 2

I have heard that Texas has a 4 year statute of limitations on unpaid credit card debt. If a collections agency buys this account does the 4 year limit start over? If not, and the debt is over 4 years old and has had no payments made to it, can I have it removed from my credit report? If so, how do I go about it?

2007-07-21 06:31:37 · 3 answers · asked by Anonymous

2007-07-21 06:28:38 · 8 answers · asked by glenbrd 1

yesterday i opened a bank account and i really wanted a debit or credit card and i have to be 18. well i called another bank that i found and they can allow someone to have a card under 18. so how do i cancel the account i opened yesterday and get my money back? it is just me on my account.

2007-07-21 06:06:21 · 10 answers · asked by Anonymous

I had a balance on a credit card and found another credit company with lower interest rate so I transferred the total balance from my card (Chase) to Bank of America. I cut up the Chase card after that.
Chase has since sent me statements with finance charges, even though I made no further purchases after transferring the total balance to another card. This doesn't seem right to me. Has anyone else encounter this?

2007-07-21 04:28:36 · 4 answers · asked by bfwh218 4

I got a letter in the mail from Midland Credit Management, Inc regarding my debt with Verizon. This debt is from 3 1/2 years ago. It says to call them to arrange to pay the balance of $1096.08 by 8/10/07 .

It says " After evaluating you account, we have decided that it meets all the requirements for our arbitration process. Because you have not paid this debt or arranged for suitable repayment of the balance dud, we intent to submit your account for arbitration with the American Arbitration Association if we cannot resolve your account before 8-10-2007. This is your last chance to arrange repayment before we begin to expend costs related to the arbitration process. If an award is granted in our favor and costs are included in the award, we may also add these costs to your outstanding balance."

I am so scared! Please explain to me what this means. I'm afraid to call them, I don't know what to say and I don't want them to be rude with me. Thank you so much in advance.

2007-07-21 00:52:15 · 13 answers · asked by Skinny Blonde 3

to people with not so good credit ( they only not good thing is that my credit cards are high) but I need money to move out of state

2007-07-20 20:54:40 · 4 answers · asked by Anonymous

I'm just wondering. I applied for Capital One credit card with hope that it will help me build/increase my credit score. However, I read that they do not report your credit limit thus affecting the credit utilization part of scoring. If I get approved for this card and decided not to use it, can I simply not activate it. If I do not activate it, will it still show on my credit report?

Thank you.

2007-07-20 18:59:42 · 5 answers · asked by Anonymous

and i want to know when u send in your processing fee for the credit card how long does it take them to send you a credit card from first premier.thank u to everyone who answer this question

2007-07-20 17:49:53 · 6 answers · asked by TRUELOVER4 1

My bank (U.S. Bank) rejected me for an auto loan because I don't have a long enough credit history (I've only had my card since November of 2003). However, my credit score is 704.

I have a dealership in mind that my family has been using for ten years, and they promote their financing program as being able to help almost anyone secure an auto loan despite credit problems.

Anyone know if dealerships can get an auto loan easier than a bank? I do not want to have a co-signer.

2007-07-20 16:15:52 · 8 answers · asked by Anonymous

2007-07-20 15:47:23 · 11 answers · asked by Anonymous

I know several people who got a credit card with some made up name, how do they do that

2007-07-20 15:10:39 · 7 answers · asked by Hacker310 2

2007-07-20 13:43:20 · 2 answers · asked by Farah A 1

I currently owe about 8 - 10 k in debt and i am currently unemployed for the last 4 months. If i cant pay it until i find a job can they sew me or put me in jail? Any answere willl be great. Thank you.

2007-07-20 13:15:56 · 10 answers · asked by Messi1982 1

i apply and apply and keep getting NO NO!! i need help!!

2007-07-20 12:22:43 · 5 answers · asked by berna~d's 1

2007-07-20 11:52:56 · 9 answers · asked by {Angel} 1

2007-07-20 10:28:28 · 3 answers · asked by Samantha 5

Whats the best credit card for a student who is 18 years old?

2007-07-20 10:06:46 · 8 answers · asked by El Yankee 2