Credit - July 2007

2007-07-18 08:48:08 · 5 answers · asked by dadldo 1

Credit Report Scores

2007-07-18 08:35:18 · 5 answers · asked by Anissa H 1

Credit score does not have anything to do with a person's job performance.

2007-07-18 08:33:00 · 5 answers · asked by Michelle J 1

I have heard of people letting you use them as co-signers. For such things as credit cards and student loans. These people are strangers with good credit to offer people like me that need the help. Does anyone know anything about this? If so, please let me know anything you can.

2007-07-18 08:27:56 · 7 answers · asked by wickedchic_ 1

What is the current balance of a credit card? What is the difference between the available credit and the current balance?

2007-07-18 08:20:41 · 17 answers · asked by Julie C 1

I stopped paying my credit card in college (yes, I was young and stupid) and when I wanted to pay it the fees were so high I couldn't. It ended up in a collection agency which i have paid only 100 bucks so far because I am unemployed at the moment. Now they are threatening to have a judgement placed against me. I only owe like 600 bucks though. Is my credit completely ruined? I am worried. I do want to pay my debt, it is just imposssible right now. I am paying all my loans on time and my other credit card on time.

2007-07-18 07:57:59 · 21 answers · asked by Halee 1

I've heard that if I have a 30 year mortgage, making the extra payment can take close to 10 years off the mortgage.

2007-07-18 07:45:50 · 10 answers · asked by knightsprincess66 1

2007-07-18 07:22:04 · 7 answers · asked by c_a_aufdencamp 1

This judgmemt is ahuge amount on the credit report.
what would be the steps to start this process.!
or would bankruptcy be the best thing.

2007-07-18 06:56:51 · 5 answers · asked by jupiter2007 1

2007-07-18 06:49:11 · 7 answers · asked by Jesse L 1

I have bad credit, My hubby has great credit. He is looking to refinance a home he purchased before he got married to me and wants us to apply for a refinance loan together, I'm scared that this will affect his chances of getting a good rate. Also, he purchased a car and since we married I have been responsible for paying the payment. It's been a whole year and the payment has always been on time, but again the loan is only under his name. Is it possible to add my name to the loan with out affecting or changeing the interest rate in order to build my credit? I have paid for everything on my credit report except for 4 accounts. This includes 1 hospital bill, 1 phone , 1 power and 1 rent month. total equals about 1,600 dollars. is there hope? any ideas or links?

2007-07-18 06:42:18 · 11 answers · asked by ROSIEA 1

I am filing for bankruptcy. I was told that because my car is not a sports car or an otherwise in demand car, that I would be able to keep it but I had to reaffirm my debt. Will this affect my co-signer in any way?

2007-07-18 06:29:01 · 2 answers · asked by Amanda L 1

I owe like $1400.00 on an old credit card. I tried to make payment arrangements in February with my tax return, but they had to wait 10 days until I got it and they refused. I am not working right now because I work at a school and we are off until September. I tried telling the debt collector that I have $0 dollars, I had to move into a relatives house because I am broke. So he is like put your relatives on the phone, get your checkbook right now, because if you don't then we will send the sheriff to your house on Friday at noon to serve papers. Can they do this? I don't want the kids and neighbors to see this. I got really angry and told him I don't have any money, so the payment isn't happening right now. He hung up. So I called the credit card company and asked if they could do that and she said no. So I called back to tell the debt collector that he could not do that and that I told my creditor that I would pay as soon as I could, well it was a different guy and he is like no one

2007-07-18 05:41:56 · 8 answers · asked by Anonymous

Someone gave in a £20 note at my daughters shop, they have a special pen to mark notes to check to see if theyre real or not and when the note was marked nothing happened which means the note was real[it goes purple if not real] when the note was taken into the bank they put it under an ultraviolet light and they said it was a fake. The shop are now saying that my daughter has to pay back the money and they are going to take it out of her wages.Is she liable to pay back the money and are they allowed to take it out of her wages.

2007-07-18 05:33:02 · 5 answers · asked by Anonymous

-then after getting a call that my card was "denied", what if i registered it, causing my balance to clear but i do not receive a confirmation email stating that my order is being mailed?
if this should happen, what should i do? has this anybody b4?

2007-07-18 05:01:57 · 3 answers · asked by Anonymous

I have a $3,500 limit on my card on which I have used $3,380. I make monthly payments of $129. My APR is 32.24% and Periodic rate is $96.85. I have this card since October of 2006 and have been late paying it twice (one in Dec. and Jan)/. Is this APR fair or is there the possibility of lowering this by switching banks???

2007-07-18 03:55:18 · 8 answers · asked by Anonymous

2007-07-18 03:54:45 · 13 answers · asked by yesnathaniel 1

I'm in the process of paying off a loan now (I haven't missed one payment and will be paid off soon, but not soon enough), but I need one asap ligit though. HELP :-(

2007-07-18 03:37:05 · 7 answers · asked by diromewilliamson 2

I want a card that is easiest to get a ticket to somewhere in asia? any idea which one would be best??
I want to use for points to hong kong but I do not know which credit card can get the points for the tickets quickest?

2007-07-17 22:54:16 · 2 answers · asked by elyse 1

i had a small debt of $91.33 which is big to me because i am a high school student and i only have a part time job. so my bank is Wells Fargo and i had a debt with them for $91.33 i paid in cash to get that off and clear my name off the credit burou thing and i told them in person to CANCEL my card i do not want to use it anymore...and i also tore up the card and trew it away...now they are charging my overdraft fees and it is back up in the negative place again it is -$59.88 i am getting sick of this but i also need help what should i do?

2007-07-17 17:45:27 · 7 answers · asked by bball17 2

my brother and sister in law have gotten into a financial mess with checks...........to make a long story short some of the checks went to a collection place called checkcare....about how long do they allow to pick up checks?and will they take warrents out for them?if anyone knows please let me know they are getting back on track he just got new job but wont be paid for 2 weeks???thanks

2007-07-17 17:30:45 · 3 answers · asked by kelleyandjohn2000 1

and if it does like in how long would it be when i would first noticed on my score. And what other things will bring it up.

2007-07-17 17:13:36 · 4 answers · asked by JESSIE G 1

Yesterday as Im opening my mail, I find a credit card statement. but here's the thing I don't have any credit cards. I pick up the phone to call them and report fraud but after hearing the last five purchases, I put down the phone. I know my Mother shops at ever store that was on "my" credit card. I asked her when she came home is she put a credit card in my name. She said yes, to help me out while I was away at college. She was going to send it to me but some things came up so she used it. She was going to pay it back before I graduated and came home. But I've been home from college since May and the card is Maxed out, she has been paying on it, late. Is there a way I can get it off of my credit report without getting her into trouble? As mad as I am she is still my Mother.

2007-07-17 16:47:56 · 5 answers · asked by cocoacure83 2

2 hours away and are late almost every month on the payment. They are refusing to put the cars into their own name. How can I get off the loan before my credit is ruined? Also, when I left he wanted the house so I left it to him. my name is only on the deed not the mortgage. then he decides he doesn't want the house sells everything out of it and moves. He hasn't paid the mortgage now the house is going under foreclosure. The lawyer says my credit will suffer the forclosure as well even though the loan isn't in my name! I had given him a quit claim deed to sign 3 months ago of course he hasn't signed. I feel my generosity is coming back to bite me in the butt. Any suggestions?

2007-07-17 14:15:23 · 6 answers · asked by fingerpuppytoe 2

i want a unsecured credit card that i will get approved no matter what and not have to pay anything to get it activated and to use it, for instance imagine card makes you use a banking account and pay the 5 bux before you can use it. is there any credit cards that you get approved no matter what and not have to pay a proccessing fee?

2007-07-17 14:08:27 · 10 answers · asked by Anonymous

i was unemployed for 15 months and a friend loaned me 10000.00 to keep me going . I am back at work but i need to pay back this debt and now my credit sucks because both my wife and i were unemployed. Our credit cards got behind but we were able to keep the house up and our carnote current and we are both back at work but now my friend is having rough times and needs the money fast. Do any of yall see any alternitives since my parents are unable to help and i am scared to borrow against my house. my interest rate is 6% on my house and if i refianance i was told it could go up to 10 to 18 %

2007-07-17 13:53:53 · 6 answers · asked by Anonymous

I was advised by many people that when I move or change my phone #, do NOT tell the collection agencies-in order to prevent them from harrassing me. Yes I'm in debt & don't have the money to pay them off since I'm on fixed income.

I just moved & I have a different phone # now. I just had this scary thought that if they're trying to sue me, I wouldn't even know that they are. & what if I get a letter forwarded to my new address after the court date, without knowing I had one? Could that lead to me having a warrant out for my arrest & possibly going to jail? Also, is it a bad idea to not let collection agencies know where I moved? Because when I moved last time & they started harrassing me, my brother got mad @ me when I was living with him, & they started threatening him about me. So I feel so mixed up, confused, & worried. I want to pay my debts, but I'm disabled & don't have enough $$ to go bankrupt & don't wanna go bankrupt. Can you tell me what I should do? Please-no rudeness.

2007-07-17 12:59:06 · 3 answers · asked by Anonymous

So trying to clean up my credit a bit going through all my bills and some companies are offering to settle my account in full by knocking off some money off the full balance. Well if reflect my credit score positively or negatively if I were to pay the settlement amount?

2007-07-17 12:52:34 · 5 answers · asked by nyyankeefan243 1

If you have credit cards you owe, can they take money from your salary before you even say how much or if yes? Do you have any say at all? Does your job say yes or no?

2007-07-17 12:21:22 · 11 answers · asked by soleil_fairy 3

I have a credit score of 720 I have a budy who seems to be living pretty good but he has no job or gets financial aid but I notice he is always getting new electronics and stuff on his house...he does not mess with drug because I have known him for a while now.
He has close to 20 credit cards and he has a dept of 95000 dollars or so he says....what is he doing to live so well and does not have to pay anything?

What happends if i owe a large ammount of money on credit cards? I'll be taken to collection please explain the process thanks should he not be in jail? he says he will owe 3 times as much by next year but will move back to our country Brazil when he is done?

2007-07-17 11:45:01 · 4 answers · asked by MNNNN 1