Credit - July 2007

Account is paid in full but I request my creditors to close the account, does that affect your credit or should I leave it open and never use it?

2007-07-15 16:30:21 · 6 answers · asked by Anonymous

i just bought one of those cards from safeway and i put 50 bucks in it but after i bought it i notice that u gotta pay some fee..wat i want to know is how much is the reloading fee and i want if i have to pay monthly service fee or anything else other than just getting the card and putting money in it

my card isnt activated and it hasnt been open is there any chance that i can return it without any restriction because it said "some restiction may apply" at the bottem pls and thanks

2007-07-15 16:21:23 · 3 answers · asked by Anonymous

I am trying to find my credit report, but all the sites I go to, you have to use a credit card. I don't have one and don't want one. Does anyone know a site where you don't have to use a credit card? Thanks:)

2007-07-15 16:06:36 · 5 answers · asked by monicamcnabb 1

two of my creators who i put in my bankruptcy are reporting to credit agency that my account was sold/transfered collection/charge off 12/02 they are a lie my accounts were not behind when i filed so i was making pymts up until i filed.
am i going to be held responsible????

2007-07-15 15:20:09 · 6 answers · asked by catgina 2

If you go into the Ameridebt website, you'll see the following message:

Unfortunately, AmeriDebt is no longer accepting new clients.
However, if you are looking to get help with your debt,
you may want to consider 800CreditCardDebt.com

Ameridebt has been under attack for deceptive practices by the Federal Trade Commission and several states. Regulators and customers allege that Ameridebt deceived its customers by charging high fees and operating as a non-profit concern while its real motivation was to make profit for its founders. The chapter 11 filing came after a settlement of $8 million in a class action suit was tentatively approved by an Illinois state court. Of course, that $8 million won't go very far considering there are 500,000 customers that have been ripped off by Ameridebt. The Washington Post reports that the FTC has objected to the settlement on the grounds that even if half of the 500,000 potential class members file a claim, that would result in a payment of a maximu

2007-07-15 14:36:27 · 2 answers · asked by BehindinPayments0077 1

I am looking to obtain a TRIMERGE and IN-DEPTH FILE of my credit report, not a snapshot. I mean like the ones used by loan officers and mortgage companies. I live in Atlanta, Ga. Any clues? This is for serious answers only. I'm trying to accomplish a great goal...credit clean up. Thanks.

2007-07-15 13:54:43 · 3 answers · asked by lamonross80 2

2007-07-15 12:45:18 · 12 answers · asked by sherri m 1

2007-07-15 12:28:44 · 4 answers · asked by Anonymous

I was told that the negative items that are on my credit report will remain there for up to 7 years rather or not I pay them off.So does it make sense to pay the items off, will it raise my score if i do?

2007-07-15 12:04:51 · 10 answers · asked by Ice Mountain 1

I've had my mastercard credit card for 10 months, and I'm trying to improve my score.I've been paying on time every month but my score has only gone up 5 points.Should I get another credit card? My limit is only $500.00.

2007-07-15 11:44:44 · 6 answers · asked by Ice Mountain 1

I've had my mastercard credit card for 10 months, and I'm trying to improve my score.I've been paying on time every month but my score has only gone up 5 points.Should I get another credit card? My limit is only $500.00.

2007-07-15 11:43:53 · 8 answers · asked by Ice Mountain 1

Do all three credit reporting agencies work together to ensure accuracy of individual credit reports?

2007-07-15 11:12:22 · 4 answers · asked by danrredd 1

US Bank.

I verified that it was unauthorized.

Question: do banks call proactively like that?

This is a first for me. Plus, I checked the internet account, and the charge wasn't reflected there.

I always assumed that you had to check your transactions yourself for suspicious activity.

ps: I gave them no personal details like account number or anything like that. They just told me they would cancel the card and send a new one.

2007-07-15 11:02:10 · 12 answers · asked by powhound 7

I was wondering if there is anyway to get a mortgage based solely on cedit score and not have to provide employment info?? (Wouldn't mind if rate might be higher) THANKS!!

2007-07-15 06:10:48 · 10 answers · asked by Angeleyes78 3

I was just busted for possesion of marijuana. I was not arrested and only given a ticket. I am 24 and this is my first offense. Will this affect my credit rating and/or my ability to get loans? Thanks.

2007-07-15 05:18:20 · 11 answers · asked by roguewave9840 2

For the past 2 years I have had 1 credit card. It is a no-annual-fee card. The credit limit is $ 6,000. Almost every month I charge 4 or 5 small purchases on this card. The card never has any more than $ 500 in charges on it. I always pay off the balance at the end of each month. I have never paid any interest or fees because I always pay it off as soon as I receive the statement.
Will this practice cause my credit score to increase, decrease, or will it have no effect on my credit score ??? Yes, I realize there are many other factors that can cause my credit score to go up or down.

2007-07-15 00:23:06 · 7 answers · asked by JustPeachy !!! 5

2007-07-14 20:54:18 · 5 answers · asked by jose c 1

so i can attract more lenders it keeps telling me to put
Max. interest rate: and it has to be between 1.00% and 9.60% if i put more down it gives me this message..........

Your interest rate is LOWER than the average interest rate for borrowers with your credit grade. Your listing is not likely to be funded unless you get funding directly from friends and family.

Your interest rate is above the maximum interest rate allowed. Enter a rate at or below 9.60%.

2007-07-14 20:15:14 · 2 answers · asked by anonymous 2

What is a good credit card to get to establish a credit history?

I have never had one and just got a job about a month ago. I dont plan to rack up the bill or anything, I just want it to help get credit history.

2007-07-14 18:48:15 · 11 answers · asked by J. 4

besides paying your bills on time

2007-07-14 17:35:26 · 9 answers · asked by wildpepsilover 2

2007-07-14 17:19:45 · 7 answers · asked by jamel b 1

My credit is poor and it has been at a stand still for at least 4 yrs now. I had 2 accounts that went bad when my financial situation changed so they were cancelled and now I do not have open credit accounts and cannot qualify for new ones! What can I do? I know about secured cards and that is something I am looking into but what else can I do? Do cell phone companies report to credit bureaus? Any ideas????

2007-07-14 16:23:09 · 3 answers · asked by Me 6

I recently recieved some of those balance transfer checks from my credit card company for 3.99% until the balance is paid in full. There would be a $75 fee. My auto loan is 7.2%, would it be a good idea to use that check to pay off my $12,000 auto loan so I could have the lower interest rate?

2007-07-14 16:22:19 · 18 answers · asked by EV4LIFE 1

Sorry if this question has been asked before but I bought a Amex (American Express) Gift card and it seems it doesn't work with paypal (did the customer service call and everything), So I was wondering if i can use this gift card to buy a visa gift card with an added 4 dollars to purchase.

2007-07-14 15:56:47 · 3 answers · asked by Dman 2

Is there anyway to develop credit besides getting a credit card? And how do you go about getting a credit card?

2007-07-14 12:57:02 · 11 answers · asked by steph 2

They seem to sell it to someone new and then reage the debt. To begin with the debt is something that is not at all accurate. It was an electric bill from 4 years ago and my account was wrongfully transferred to someone's else's address after I moved out of state. (I didn't know) I had a balance on it but didn't pay because I found out they kept adding more to it from a wrong address. They didn't believe me that I was not living there. Now they have messed it up even more. How would I fight this in a validation letter to the Credit Bureaus? Do I say it's not mine because it's totally wrong or do I say it's mine but very innaccurate and listed twice?

2007-07-14 11:55:56 · 2 answers · asked by mclay 1

Several years ago one of my parents decided to add me onto their credit card as a joint holder. I'm only finding out about this now, because I'm reviewing one of my credit reports and see this account listed on my report.

I was totally unaware that I was even a joint holder on this account. Plus, I never see in the mail any statements from the Dillard's credit card either, so I was in the dark about all of this for several years. So far the account is in good standing and there haven't been any late payments or any of that, but still, I don't want to risk being on this joint account that I don't even use and don't even have a card for it, so I don't even know the numbers or expiration dates on the card.

Not that I don't trust my parent, but I don't want to take any risks. Is that even legal to have them put me on their credit card as a joint holder? I would have never agreed to do anything like this. How do I prevent something like this from happening again? They need my permission!

2007-07-14 10:53:37 · 3 answers · asked by Marisa 2

My mom is buying a house and i know buying houses is a good way to build credit so im trying to get her to include me in the whole process so i can use the oppotunity to increase my credit score the thing is i dont have a job and never have and im 19 she says i cant be included since i dont have a job is this true? wha can i do?

2007-07-14 10:37:22 · 5 answers · asked by pamens88 1

2007-07-14 08:14:27 · 2 answers · asked by Anonymous

When my 7 years came around, three negative items have been removed from my credit report. The debtors are still trying to contact me for payment. What are my rights? Should I still pay?

2007-07-14 07:34:22 · 6 answers · asked by prettyredgal 1