Credit - July 2007

I'm 19 years old, and I'm trying to get financing for a car (among other things), but I'm having a problem with my credit. It's a 588, there's a cable bill on there from my stepdad that was opened when I was 11 that my parents never paid. So, it's hurting me now. I've been told to contact the credit agencies, but I don't want to get my mom into any trouble, she was the one who called and opened the account. The only other things on there are cell phones, one of which was default (because I opened it at 16 and never paid it until about a year ago, irresponsible kids, eh?) and one of which is current and paid.

I really don't make a lot, and my mom needs a lot of financial help with her house in forclosure, so a secured card at $200 plus other fees isn't something I can just shell out. But, I need a car, and an apartment once my mom moves, and a credit card would be nice for college books and such. Anyone have any suggestions, or know any card companies that might issue me a card?

2007-07-03 12:07:15 · 3 answers · asked by marsdragon13 3

My friend (someone who i was pretty sure i trusted) needed cash to get something.. not thinking about it i offered my credit card. He used it for a minute then came back out andgave it to me. When we got back to his car, he immediately offered me the cash for the money he borrowed. 2 Days later I received a phone call from my bank regarding unusual activity within my account- only to find $700 had been charged to my card in various places within 2 days. (The charges happened after the day i lent him my credit card) I cancelled my account (i am not liable for the charges) and then found out that the person charging these things used a counterfeit credit card. I really do not think my friend is capable of this-- but what are the chances he did it? And what are the chances he didn't? How should I act towards him now?

2007-07-03 11:46:53 · 9 answers · asked by Usher890 1

what i mean is, if i dont sign up WITH a credit card, but i have a paypal account, does that mean the money will stay inside my paypal until i get my credit card in there?

2007-07-03 11:21:48 · 3 answers · asked by gogogo 3

2007-07-03 08:17:21 · 7 answers · asked by ANGELICA H 1

i just passed my second interview for a really wonderful opportunity and i was informed that they need to do a credit check. i just read my credit report and it shows that i on five occations in the past 3 months paid late do you think this will be an issue? they were in april (rough month) i have nothing in colections .
well thanks everyone for your answers
they are very much appreciated

2007-07-03 08:15:41 · 6 answers · asked by sergnaty 1

2007-07-03 07:50:36 · 3 answers · asked by Wondering? 1

i never paid it of course because it was for one month fee! I try to talk to them, but they just blow me off. now i dont know how to clear it off. any ideas? it is very important to me.
the charge was for internet! i took my laptop to europe, and they never told me that they have a roaming charge for it. my computer was not even working good with the slim card internet! what a rip off. Please help me!!!

2007-07-03 07:36:59 · 7 answers · asked by Eva Daniel Rn 4

surely im not the only one?

2007-07-03 07:06:28 · 23 answers · asked by Anonymous

Does anyone know the steps to repairing credit? Someone told me there were ways of just sending letters to get stuff removed form your credit, is that true? place i can go to get these letters for free?

2007-07-03 07:05:56 · 9 answers · asked by Steele B 2

I watched a video in my class and they said it's better to have one credit card only.

But in reality, I know a lot of people have like at least 2 credit cards and they said it's better to have more than one.

So how many credit card should I have?

2007-07-03 06:21:41 · 12 answers · asked by bigmama 2

Is it common for the interest rate on an auto loan to go up when the balance is close to being paid off?

I am under $2,000.00 and I am paying more in interest now then in the beginning of the loan.

Just wondering if it has to do with the balance remaining. Seems like they are trying to get as much money out of me before I pay it off.

2007-07-03 06:18:12 · 3 answers · asked by ♠♣♥Rogue♣♥♠ 5

2007-07-03 05:34:57 · 7 answers · asked by kw w 1

I am going to buy a new phone and plan from Sprint and they're site I think is insecured. They ask for social security,credit card info,and birthday info. The website is un-protected from Verisign. I just hope I won't get hacked or something.

2007-07-03 04:52:09 · 3 answers · asked by Anthony G 2

2007-07-03 02:49:00 · 10 answers · asked by alsfnmeup 1

I got this dude's e-mail address from a question on here. He says he gives out personal loans to people $4000-$100,000. He asked for a copy of my ID. He is overseas. Is this a scam? What ways can I be scammed by this? I haven't sent anything yet.

2007-07-03 02:11:37 · 11 answers · asked by ms_sexy_thang05 3

2007-07-02 21:10:17 · 12 answers · asked by markdaman272 1

2007-07-02 19:46:50 · 2 answers · asked by Just Me 6

I want to ask if I keep making payment less than min payment on my credit card accounts, can my creditors still sue me on default payment while I have been making efford on my account?? Thanks for your input

2007-07-02 19:12:52 · 6 answers · asked by catlover 1

i have not received notication of any amt. due for nine years & i get a bill from collections. the mort. co. issued checks, i mailed them and never used the credit card after that, how can i owe after nine years ?

2007-07-02 16:52:58 · 2 answers · asked by yndi 1

I've NEVER once ever borrowed money, so my bad credit is a reflection of two medical bills (I am unaware of one ever even happening) and a bill from Verizon, but that is a home phone, not a cell phone.

How long will it take for those to come off my report or to stop hurting my score? Its not like it's borrowed money, two things I wasn't even thinking about my credit when I opened them. Thanks

2007-07-02 14:53:36 · 8 answers · asked by festy1986 2

2007-07-02 13:35:33 · 4 answers · asked by Mrs.D 1

I got a phone call today from a creditor stating that they were going to garnish my wages if I don't pay this. I have never gotten one bill for this and thought it was consolidated with my student loans, but confirmed that it was a personal loan. I don't know where to go with this. It was taken out in 2001 and some people are telling me to wait the seven years and it will drop off and others are saying that they can garnish my wages. One credit bureau shows this under positive history and the other shows negative. Please help!!!!

2007-07-02 13:30:17 · 4 answers · asked by Jess 1

like to find a good card to rebuild my credit with

2007-07-02 13:22:20 · 15 answers · asked by michael b 1

Hello, how many payments can be missed or how many months before a credit card company will turn you in to a collection agency?
Each company may be different but in general how many can be missed?

Thanks to all.

2007-07-02 13:11:38 · 4 answers · asked by ? 2

2007-07-02 12:20:36 · 4 answers · asked by aycombs 1

credit applications take off of your credit score?

2007-07-02 12:14:30 · 2 answers · asked by ChRiStY 1

2007-07-02 11:16:43 · 10 answers · asked by Anonymous

I bought a car 7 years ago. The car fell apart within 6 months. It was financed thru Ugly Duckling car sales. I gave it back to them but havent paid any on it because it was a real lemon. When Ugly Duckling Bankrupted the loan balance was written off and assigned to a co. named Associated receivables. This company has also reported the same debt to the credit bureaus. Can they do that? If not how can I go about removing it from my bureau. I will read and give 10 points to the best answer.

2007-07-02 10:58:45 · 5 answers · asked by hasdad62 6

I had a credit card with capital one, my limit was $500...i maxed it out..now i owe them like $900....I'm ready to pay them off after 1 year or so... can I still have that credit card open or re-open after payment is received...?

2007-07-02 10:51:39 · 4 answers · asked by aemediacorp 1

i.e. you know when u do a swipe with your credit card it shows up on your bank website within minutes.

2007-07-02 10:47:26 · 3 answers · asked by tkl_golfer 1