Credit - July 2007

2007-07-14 06:20:24 · 4 answers · asked by scarlet 1

2007-07-14 06:06:40 · 3 answers · asked by Anonymous

Ok, so basically the payment was due on the 27/6, theres no other reason on my part for the lateness, apart from that for some reason I thought id already paid (cr*p to do list ticking off perhaps?!).
I got a late payment reminder, which I didnt open (I figured theyd sent my statement out again seen as I wasnt due one and, to my knowledge, had no issues). This told me I had 7 days to pay the 'amount due immediately'. This was dated on the 3/07.

I plan to pay tomorrow, so itll go in on monday I guess, seen as its sunday tomorrow.

I dont have a huge balance, but I have been repaying the minimum as my circumstances have changed and its not a huge amount to worry hugely about interest.

Basically I want to know if this will effect my credit rating?

Im not a happy bunny not knowing either way at the moment, because I need to apply for a career delevelopment loan soon and its reallyyyy important to me that I get it!

Thankyou

2007-07-14 05:50:01 · 7 answers · asked by Anonymous

If Trans Risk is a subsidary of Trans Union, why would I have a 100 point difference in credit scores between them? The Trans Risk is 100 points lower than the Trans Union.

2007-07-14 03:58:55 · 5 answers · asked by brian f 3

Just entered a new company and will be needing credit card for work. So started to apply for them. Currently received unsuccessful results from 2 banks. No reasons given and this is how they going to help? With meeting of the cap to apply and knowing that I have not taken up any loans or debts. Why does my applications keep failing?

2007-07-14 03:36:32 · 6 answers · asked by Anonymous

2007-07-14 02:18:25 · 15 answers · asked by Marilyn H 1

2007-07-13 22:42:48 · 3 answers · asked by swelwynemma 7

2007-07-13 19:55:01 · 3 answers · asked by rec girl 4

If a credit card is under the parent's account, but has the minor's name on it, can the minor build up credit, or do they have to have the card linked to their own account?

2007-07-13 19:05:00 · 4 answers · asked by mirrorinthesky 3

My score is currently 567 with two accounts that are fairly new (6-12 mos) and in perfect standing. All of my neg accounts are dropping off in the next 3-10 mos. They were all incurred at the same time after a layoff. (It has been just about the 7 year limit.) I was curious how much my score will change with the dropoff of about 6 accts that are neg? I plan to open one more account, a car loan. But I am waiting for the negs to change my score. So I guess the question is, has anyone waited for negs to drop off, and if so, what was the net change for better or worse to your credit score?

2007-07-13 17:18:07 · 3 answers · asked by Anonymous

Someone writes you a bad check and it does not clear their bank account. So they deduct the money from your your bank account. What does the bank do with the bad check.

2007-07-13 16:27:44 · 4 answers · asked by P Dizzt 2

Im not posting one of those whoa is me type questions but it seems like when it rains it pours - Ive never had just a couple of issues in life it either goes from good to very very bad or vice versa, I just found out that my bank account was "siezed" because of a credit card I still owe on from God knows when... I can pay off the balance but I have to come up with 700 bucks before wednesday of next week to have them release my bank acct or my entire paycheck will be taken I ususally make about $1100 every 2 weeks so if i could come up with the 700 i can pay it back when i get my check but have NOONE to get the money from. I actually contemplated driving my car into a concrete pillar but I know money issues should be the last reason to take such drastic messures but I honestly feel that this situation is pulling me down and making me down. Anyone have any suggestions of how I can "snap" out of it??

2007-07-13 16:27:10 · 23 answers · asked by Anonymous

I have 3 bad revolving credit cards that I closed years ago. At that time, I had to "Pay them Off" and were closed. On my credit report, they are reported as paid off, closed and still revolving. How can I remove the fact that they are revolving. Will it be removed in 7/10 years or do I have to call the companies to remove the revolving part. I really don't know. Please Help!

2007-07-13 15:14:54 · 4 answers · asked by Anonymous

Hi, I'm Alex and wanted to ask everyone a very important question. About a month ago I called Bank of America and applied for a personal loan, and they told me right that second I wasn't approved.

Today, I got a letter from Bank of America explaining my declined application for a loan. There is a sentence that doesn't make any sense to me can you please tell me what it means?

"Bank of America"
After careful review, we were unable to approve your request because your credit references have not been established for a sufficient length of time and "there are too many inquiries on your credit file. What in the hell does that mean.

I only have 3 credit cards, Capital One, and 2 others. As far as I know I have NEVER missed a payment or sent it in late, so why is there problems with my credit at all? Please any advice is welcome, I want to keep my score in good standing. Thanks for your time and any help is greatly appreciated.

Thanks

Alex

2007-07-13 13:40:31 · 10 answers · asked by money mike 3

How do I contact the credit reporting agencies?

2007-07-13 13:26:30 · 7 answers · asked by clevercomedy 1

I accidently charged too much on my debit account for north fork bank. Are they going to automatically charge me a fee or do i have some time to put the money back into the account before i get charged an extra fee.??

2007-07-13 13:25:38 · 4 answers · asked by buttercup 2

2007-07-13 13:24:51 · 4 answers · asked by roach_309 1

2007-07-13 13:15:48 · 9 answers · asked by TODD S 3

How do I get a late mortgage payment off of my credit report? I mean I'm totally current on my mortgage now. I want this off of my report. Thanks

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

Will it help my credit score if I pay it off now, or has the damage already been done and there is no need to. (P.S. I have not paid on it for 8 years)

2007-07-13 12:42:12 · 6 answers · asked by Darryn L 2

2007-07-13 10:58:35 · 1 answers · asked by embabbby 4

any type (small amounts)

2007-07-13 10:25:19 · 11 answers · asked by cire_x21x 1

can reports be deleted ?

2007-07-13 09:59:30 · 8 answers · asked by keith j 1

2007-07-13 09:32:48 · 9 answers · asked by ANGELA B 1

I rarely call customer service, so I couldn't remember the passcode placed on my account last year. In order for me to change the passcode, the security department asked if I would verify public information concerning the nearest relative who lives with me who is NOT on my account, or affiliated with my account in any way. Supposedly public records about me, listed their name, age, and place of birth.

This seemed very strange. Has anyone every experienced this? Also, the relative they asked me to verify information about, has TERRIBLE credit, and judgments, so will their credit history affect my relationship with this creditor? Thanks

2007-07-13 09:31:52 · 7 answers · asked by RoMoCo 1

my credit isnt great because i had to let the bank take my truck when i lost my job which was months ago now i need a car and i dunno who will finance me i found the car im in love wit only 8,000 not a bad price but dunno who gunna finance me i tried so many thinks im out of ideas can anyone recommend or tell mee sumone or sumthing who will finance me i have tried HSBC i have tried capotal one ... nothing and i have direct deposits to pya my monthly payments.. any ideas?

2007-07-13 08:59:42 · 10 answers · asked by Megan B 2

They are willing to wavie the first year annual fee.

2007-07-13 08:37:32 · 8 answers · asked by Anonymous

I got the loan over 15 yrs ago. Everytime I tried to enter the field, I was turned down because of inexperience even though I finished the school. Now Im stuck with a loan I cant pay back. My first daughter was born and I was forced to seek employment elsewhere. I cant afford to have my wages garnished and I cant afford to pay the loan on my on.

2007-07-13 07:34:55 · 3 answers · asked by Zman 1

I'm being charge a late fee of $40 for nothing!! I owed $27 for the month but after I returned something and got the credit on the card the balance was $1.06. I sent it on time and everything but they say i have to pay $40 because the minimum balance wasnt sent even though only $1.06 was due. Ive never sent a late payment or not paid in full or minimum and they dont want to take it off. Any advise?

2007-07-13 07:01:12 · 10 answers · asked by Jaime 2

i dont want to walk with $7,000 to another bank across town to open an account up there. can my old bank write me a $7,000 check or something so i can open up a different account with that? how long does it take for a check like that to clear?
any info is GREATLY APPRECIATED!
thanks!

2007-07-13 06:51:56 · 10 answers · asked by Lacey 4