Credit - July 2007

2007-07-07 10:06:12 · 11 answers · asked by Anonymous

All of this is from applying for a vehicle & trying to build my credit, I didnt apply for all of these at different times. Some were through those companies that say they can get you approved and this is what has happened to my credit.TOTCRDTSRV 06/27/07 Miscellaneous And Public Record
CITIFINANC 06/25/07 Finance
THD/CBSD 06/25/07 Finance
HFC 06/02/07 Finance
CITIFINANC 06/01/07 Finance
CITIFINANC 05/14/07 Finance
CSC MTGE 05/01/07 Miscellaneous And Public Record
USBK 04/23/07 Banking
COMBK CNSM 04/20/07 Banking
GREATSTHBK 04/20/07 Finance
WELLSFARGO 04/20/07 Finance
AMERICRDT 04/19/07 Finance
CAP ONE AF 04/19/07 Finance
CHASE 04/19/07 Banking
HSBC AUTO 04/19/07 Finance
PRMRAUTO 04/19/07 Automotive
TRIADFINCO 04/19/07 Finance
WACHDLRSRV 04/19/07 Finance
BLU SPGS F 04/18/07 Automotive
HSBC AUTO 04/18/07 Finance
JFMOTORS 04/18/07 Automotive
This is just half the list
LESSON LEARNED!!!
Loads of inquires

2007-07-07 09:36:05 · 3 answers · asked by thecrew74 1

2007-07-07 08:32:04 · 5 answers · asked by SPIROS K 1

2007-07-07 08:02:13 · 4 answers · asked by Anonymous

I applied a credit card and already received it weeks ago, but haven't activated it yet. I'm thinking about cancelling that one and applied for another one [from the same bank, just another type of credit card that offers better cash back]. What should I do, can I just call the customer service and tell I want to cancel the one I got, then apply for the other one I want? Would that be the best way to do? Also, would that affect my credit history for applying and cancelling a credit card?

2007-07-07 07:20:57 · 5 answers · asked by ViTheDuck 2

We recieved an email stating account would be given to collection agency. No contact info on the form and a noreply email address. Next my husbands employer is notified and threatened with a suit, when I called they tried to intimidate me over the phone. I requested documentation from this company as to what I was paying on then was told that "God Help" me they were sending an investigator to my house to arrest us both on bank fraud charges. We have a few loans out and have been working with them all to make arrangements to pay but this company seems unwilling to work with us. They have broken the 3rd party disclosure law at least six times. What can I do, I am willing to pay what I owe but want to know what I am paying for. Do we have any rights???

2007-07-07 04:44:36 · 6 answers · asked by Bubbasmom 1

2007-07-07 01:37:27 · 12 answers · asked by Anonymous

I am a student at the University of Guelph in Ontario Canada. I was just wondering if anyone knows of any good student mastercards for canadian students??

2007-07-06 21:09:59 · 3 answers · asked by missthang 2

keep it

2007-07-06 18:40:55 · 20 answers · asked by Anonymous

I am in SG. I have 40K debit in Credit Card. I try to work out in many ways but end up nothing just pay every month S$2000. I tried work from home or other pay program, but nothing can work. I payed promptly all the banks every month. is there any way in singapore to get a good solution.

2007-07-06 18:40:30 · 4 answers · asked by Anonymous

example: to pay off credit card you should payoff the one with the highest interest rate. This advice was on Yahoo finacial page, but it did not say what to do with the card after it was paid off. I heard if you cancel the credit cards your credit score is lowered. So what do you do with the card?

2007-07-06 18:33:53 · 14 answers · asked by Danni 1

hi my friend was asking me if she can get a credit card but she doesnt have credit she has never used anything in her name but she wants a credit card to buy things.

2007-07-06 17:36:22 · 11 answers · asked by Anonymous

2007-07-06 17:22:00 · 3 answers · asked by lohung 1

my husband owes discover 7000 dollars and I tried to settle with them and the woman was very rude and told me there was no settlement offer. I dont understand when your not paying they hownd you but when you want to pay the make it impossable. help

2007-07-06 10:11:20 · 6 answers · asked by Jennifer H 4

2007-07-06 09:16:04 · 11 answers · asked by Chelle 2

I have about a 650 rating. The only unpaid debt on my report is for a judgement in the amount of $500. Will paying this off raise my score very much. Lenders will still see that I had the judgement, so I am not sure how much of an effect that will have. I was told that by paying it off I could probably qualify for a home loan.

2007-07-06 08:49:43 · 9 answers · asked by miklo 2

Is this normal? Is this bad? I really don't know what to do; I feel like I've gone way over my head. I have like 7 credit cards and it's hard to keep up with the minimum payment every month because it's hard to remember which ones I've paid and which ones I haven't, etc. I am just a server, but it's in an upscale restaurant and I can make over $400 on weekends and usually over $100 a night (closer to $200 if I'm working a double). I really don't know if my situation is as bad as my parents are making it seem like, but if it is, what are some ways to help fix this before I get in over my head? Is it too late?? I'm so stressed out over this and I have nooo idea what to do...

2007-07-06 08:22:55 · 16 answers · asked by Michelle B 3

just started a new job and got to wait a whole month till get paid so i am desperate. help me where can i get a loan even with the worst of credit ratings

2007-07-06 08:21:48 · 0 answers · asked by Anonymous

I am trying to get rid of a bankruptcy that was not mine off of my credit report. Do I have to dispute all three credit bureaus or just do one and all of them will be taken care of? Do they all create their own report or just get it out of some common source?

2007-07-06 08:13:55 · 7 answers · asked by Anonymous

man named Gerald said i could do jail time for credit card debt, is that true??

2007-07-06 06:57:51 · 5 answers · asked by ? 4

not been able to ay since I lost my job, he said if i dont ay by the 27th they are taking me to court. What does that involve, he was very abusive to me and called me names and said i was not an adult and i had no business going back to school etc. I have n ever been talked to like that...

2007-07-06 06:27:54 · 13 answers · asked by ? 4

I have an 2002 Saturn, I have about another year until the car is paid off. My questions are how many payments do you have to miss until they tow your car away. I am just curious. I have been with the same lender for 5 years and although some times I have been late with my payments, I have always paid each month. I have heard that as long as you send them something each month, if you cant make the full payment they cant tow your car away. Is this true or not. My credit is pretty bad with a fico score undre 500, when I pay the car off can I request a letter saying the car is paid off, then send to the 3 credit agencies. By doing this will it bring my fico score up. Thanks

2007-07-06 05:36:01 · 3 answers · asked by paul s 4

2007-07-06 05:16:29 · 6 answers · asked by J@$ePh 3

A few months ago i got fired from my job and i havent been able to make my monthly payments. Ive honestly been trying desperately to find a job.. but know one is hiring. Ive gone to interviews and gave 100% but still i cant get a job.

Now yesterday i received a phone call from a credit collection agency and they explained everything to me.
I am very scared now and I dont know what to do.

The women I spoke to said she was the Wells fargo representitive or manager (i cant remember)
and claimed wells fargo is the second largest bank in the u.s and they are very aggressive. She pretty much demanded i mail a post dated check and that the bank wasnt going to accept anymore of my promises to pay and then said flat out we dont trust you.
I told her their is no one who can borrow me $260 dollars for my credit card payments ( I owe almost 1k) but she insisted that i borrow it from my mother .. and then said hold on while i get your mother on the phone.

.. thats when i hung.
Borrowing the money from friends or family is not an option.
no one has that kind of money just sitting around.

I would really appreciate any helpful advice.

I know collectors like to sound threatening and intimidating towards you and demand large payments but what can they do if i dont make the payment?

they wanted $260 and honestly $ 20 is all i can afford to do right now.


how long until they take further action and what can they do?



I worry about things like this all day long, I cant eat, and i cant sleep. Im very stressed out as it is.

I asked a friend and her advice was to rip up the letters and hang up when they call.

if i did that
what would happen too me
:' (

2007-07-06 04:50:50 · 10 answers · asked by 85501441 1

I'm going to Puerto Vallarta on Tuesday and staying there for a week. I've never traveled internationally so I was wondering if i should take cash, use a credit card or some travelers checks. I'm not sure as to what the international rate is for using my capital one credit card. Another option could be to use my ATM. Any suggestions?

2007-07-06 04:30:45 · 5 answers · asked by Blink 1

2007-07-06 03:48:24 · 10 answers · asked by Automan 2

hi,

i took a job overseas to try to pay off my cc debt. im sending 900 a month but the interest is eating all of it !

i asked them to lower i they hardly did at all. i was so mad. i asked what other option

"Close it out due to financial hardship and pay the balance"

would this effect my credit very bad? im not getting ahead at all

Thanks!!!

2007-07-06 02:06:00 · 6 answers · asked by Cristina 1

My husband family member took a credit card on his name, for 5 thousand dollars and didn't pay, we didn't know about it I comfronted his sister and hubby and they denied it.. I call the credit card people and they say they were going to fix it.. but yesterday i got another bill for almost 3 thousand dollars I thought it was another credit card so I called the colletion company they could not help me all the want was the money. when i compared the two bills the old one and the new one i noticed this bill is the same credit card!! so i called and demand them to tell me what address my husband family knows my real state agent address so they gave me that.. I didnt know my real state agent in 2001 and they say that was the address in the bill.. what the hek happend i dont know should i call mastercard and see if they have more information on how the account got paid some and how the address was changed!

2007-07-06 00:50:12 · 4 answers · asked by boricua_2290 5

ok.. so i signed up for a paypal account, i added my debit card
and filled in the expanded use program, but i still don't have any money it my account..
whats the problem?

2007-07-05 21:32:32 · 6 answers · asked by wwwwwwweeeeee 2

i tried to apply an american express credit card at applyclear.com and my application was denied, 2 months ago i requested i requested credit line increase from bank of america and it was denied and i applied a second credit card in bank of amrica it was denied as well, are these things ruin my credit report?

2007-07-05 18:22:13 · 8 answers · asked by sleepyhead 1