Credit - July 2007

2007-07-19 05:59:52 · 2 answers · asked by The RayVolution! 2

When im ordering something online and they ask for you credit card number(I have a Am. Express Credit Card), are they asking for the 15 digit numbers of the 4 digit numbers on the right hand corner? IM CONFUSED PLEASE HELP ME!


*please know that this is my first time ordering something online and but im using my parents credit card and i dont want anything to happen to it

2007-07-19 05:18:29 · 7 answers · asked by Anonymous

2007-07-19 04:28:42 · 8 answers · asked by Caelestiel 2

My father is 68 and has been accepted for a loan on the condition he has a guarantor. The loan is for a 10 year period. I would willingly be his guarantor, but i dont want to be left with his debt if something happens to him. If my dad died before the loan was repayed would i still be liable? Or am i only liable if he's alive and dont keep up repayments?
Some one please help as I am in a real dilema!

2007-07-19 04:07:04 · 5 answers · asked by Anonymous

I just want a Generic credit card that can be used online, that I don't have to put my name on it.

2007-07-19 03:07:38 · 7 answers · asked by emailinmyroom 1

I have had late payment which did me in. Any one know where I can turn to?

2007-07-19 02:46:40 · 8 answers · asked by JERRY BOY 1

I just turned 22 and I want to rebuild my credit. I got into a bunch of debt (approx 6-8k) when I was 18 and I owe several creditors but I am not sure who all I owe and what the amount is. I have no idea where to start but I am just now starting to save my money to pay this off.

Please help me out I am so lost! :(

2007-07-19 02:39:09 · 10 answers · asked by Skinny Blonde 3

My Experian credit score is "Excellent" but my Experian one is "Very Poor". I appreciate different credit companies use them differently but how can they be so different!?

2007-07-19 00:23:05 · 8 answers · asked by Anonymous

2007-07-18 23:03:48 · 4 answers · asked by KAREN H 1

Heres a quick run down. I just got out of college and about $3000 in debt. It went to collections and I have worked hard so I now have enough to pay it off. I'm planning to apply to graduate school so I need to borrow money. I want to improve my credit to be able to borrow a loan. I talked to collections and they agreed to let me pay it off and they will mark it as "paid in full". Should I pay for it then? help..... please... is this is best I can get from them?

2007-07-18 19:22:33 · 6 answers · asked by PhysThpyStudent 1

Please only serious honest answers.
My husband recently joined the army and we need to get out of debt or atleast make good on what we owe others. Peace of mind and its the right thing to do. We are far behind on our credit card bills and owe about 10,000 dollars. I need to know what would be the best way to take care of this. Debt Consolodation, Call creditors. If I make good on them would this help my husband get a security clearance.
I'm willing to try anything that will work. I understand that my credit score will be low, I just dont want this to be over our heads everyday and I want creditors to stop calling and to show we are paying somehow. Thank you.

2007-07-18 18:48:00 · 6 answers · asked by justwantingtoknow 2

I have absolutely no credit history, no phone bills, no car payments, nothing.

The only open accounts on my name are 3 student loans and i do not have to pay any of them until i graduate so i have never made a payment, or missed one.

What should my credit score be around?

2007-07-18 18:28:15 · 8 answers · asked by Anonymous

If you file for bankrupcy and you surrender your property and add the mortgage loan to your bankrupcy, how long can you apply for another mortgage on a home? Since it didnt go into foreclosure as long as you get your credit score goes up can you apply for a mortgage? and if so how long will it take in order for this to happen?

2007-07-18 18:01:54 · 5 answers · asked by Anonymous

Is this a very bad thing or is it something to worry a little?

2007-07-18 17:13:39 · 7 answers · asked by Josh Muller 1

I need an RV loan. I would love to get one from a credit union. Do they make you wait for a while after joining to give you a loan?

Thanks!

2007-07-18 14:17:56 · 9 answers · asked by Anonymous

2007-07-18 13:37:18 · 4 answers · asked by Biggz 2

My score is Fair but is it even worth the hassle if I won't get approved? What score do I need to qualify for a credit card such as these?

2007-07-18 13:16:39 · 3 answers · asked by Melandi 2

I'm curious about which Credit Cards (Like Visa, Mastercard, etc...) would allow a teenager to apply with no previous credit history if a parent cosigned.

Thanks.

2007-07-18 13:11:49 · 6 answers · asked by Anonymous

2007-07-18 13:07:40 · 2 answers · asked by Mike3st 2

I recently had a negative charge-off that I paid in full removed from Equifax. I did not dispute this item w/ Trans Union or Experian because I didn't want my score to go way down by disputing items, so i only contacted Equifax. The paid charge-off has been deleted from Equifax and now I think it is only fair that TU and Experian remove this derogitory item as well as I am trying to obtain a mortgage and this is highly affecting my score. Once this got removed, my Equifax score went up over 100 points. If i Dispute this with the other 2 major bureaus, can the colleciton agency come back and say that they won't delete it from the TU and Experian? Why would they remove it from one bureau and not the other 2, can this happen, or since it is deleted from Equifax, the other 2 bureaus have to report the same thing? I don't want to ruin my chances and want to take care of this matter the best way possible. Let me know if anyone has any advice! Thanks!

2007-07-18 13:02:50 · 5 answers · asked by Anonymous

I got my credit report today and it shows that my total credit amount is $300 and I have $296 available. After further inspection I noticed that only one credit card had reported a credit limit/max balance and that all of my credit cards hadn't been reported since April. Is there an effective way to contact the credit card companies and get them to report accurate and up to date information to the credit bureaus? I feel that this issue is affecting my credit score, so I would like to fix this.

Thanks in advance.

2007-07-18 12:56:13 · 4 answers · asked by awill110 1

I have applied twice for a credit report like the law says I'm entitled to. I received only a long list of questions wanting to know all kinds of things they have no business knowing. I answered all the required questions on the original application. Is this because I always pay cash and don't believe in credit cards or loans? I feel I'm being discriminated against because I take care of my credit appropriatly. Why can't I get the report?

2007-07-18 12:54:43 · 9 answers · asked by Anonymous

I have screwed my credit a few years ago. I was going to college, my father died and I lost my job so my credit went downhill fast and is at 550. I would like to buy a house in a few years but not sure the best way to impove my credit. I only have one credit card and it has been charged off in jul of 06 but has a date reported on april of 07. Why is the date reported so late and is it going to be 7 years from that date in april? I also have 7 collection companys on my report a couple are paid is there any way to remove them or am i stuck for 6 more years? Also what date do they go by for the 7 year mark the date reported or the date assigned? Thanks for the help

2007-07-18 12:30:05 · 6 answers · asked by nhale24 1

With just our credit debt (not including our vehicles) we're around 45,000 in total debt. Now I want to consolidate it so I can help my debt to income ratio since it's based on your pay out per month. We're coming up where we need to refinance our house and I need to take care of this issue.

Has anyone been in a similar situation, and if so what company did you use? Thank you!

2007-07-18 12:20:32 · 4 answers · asked by Anonymous

2007-07-18 11:57:08 · 9 answers · asked by Brandonn 2

I need a four thousand dollars to pya off my credit card debt becuase I am looking ot buy a house in three years and I would not have gotten rid of my credit car debt by then.

2007-07-18 11:13:23 · 8 answers · asked by Queen_of_Nice 2

2007-07-18 11:07:18 · 5 answers · asked by mrs lopez 1

I don't have good credit. LIke I have 512 is my score. My best friends credit is like 650 to 690. Im trying to get my credit straight but the house I want isn't going to be for sale for much longer & we need that house. We want to get my best friend to get the loan & then we pay it just like its our house. WHen we get my credit straight & the score higher than we're going to get a loan & buy it, or either refinance it. Can we refinance it in my name after my score is better?

2007-07-18 10:49:42 · 10 answers · asked by Mom 2

my credit is not good, but i am paying on a reposed car to the bank that financed me, is it better to not pay them, or to pay them, how will it affect my credit after i do finish paying them off? i was told to stop paying them, because it don't change anything(credit) after i finish paying the balance off. any ideas?

2007-07-18 09:11:27 · 4 answers · asked by saraann24 5

I just got a notice from the credit card company that due to my bad credit they have canceled my card.

I have a high balance in this card. I tried to keep this card in good shape by paying my bills on time for more than 3 years. Now that they have canceled my card, should I continue to pay the balance?

My credit is already in bad shape? Please note that I have another card with them and I am sure they won't renew that one as well.

2007-07-18 08:51:30 · 7 answers · asked by Anonymous