Credit - July 2007

I enrolled with Renaissance Debt Solutions out of MD and paid the initial $349 start up fee to help me with credit cards and a repo that I have been paying on for 3 1/2 yrs. I was not behind in anything at the time but am now. Checked with the BBB (after the fact) and the company has an unsatisfactory rating. Does anyone have any further information about this company before I just cut my losses and try to get back on track with my creditors myself?

2007-07-28 04:03:41 · 4 answers · asked by drowning 1

need a credit report instantaneously, does not concern a charge, can anny body tell me how?

2007-07-28 04:01:15 · 6 answers · asked by Anonymous

An auto dealership called and asked to speak to our 11 year old child. We explained to them this was a minor and they told us that a person called inquiring about a price and left our child's info. I know it wasn't us because at the time of the call we were all together and away from home. It makes me worried someone may be trying to steal our child's information. How can I check this information? Can you run a credit report on a minor?

2007-07-28 03:08:58 · 4 answers · asked by sepultina24 1

2007-07-28 02:48:19 · 10 answers · asked by Javi 5

I have paid every bill in my life on time, but when Sprint charged me $400 for ending a 2 year contract with them, I refused to pay it. I wrote a letter explaining my position to sprint and to the first collection agency. The bottom line is that I never signed a 2 year agreement. I signed a 1-year. When my phones arrived and did not work, I had to send them back. They cancelled my account and apparently signed me up for a 2 year agreement - but I did not agree to this and didn't even know about it.

I don't have any paperwork stating that I had a 1 year agreement, or a 2 year. I asked sprint to provide me with where I signed up for the 2 year but I did not get a response.

OK, now to the present. Now a company called Pentagroup is calling - and claiming they are going to garnish my wages because they have my social security number - I don't know what to think. I have the money, but I don't owe the debt so I refuse to pay. My credit score is 740. What are my options?

2007-07-27 12:25:14 · 7 answers · asked by yah00geek 2

I have a circuit city store credit card i got it to buy a home computer and that's it. Would it be wise to cancel the credit card or to keep it? Which scenario if any would end up hurting your credit score?

2007-07-27 12:07:38 · 10 answers · asked by Alberto 3

is there any credit card companies that will give me a card if iam not working? if so please leave the link

2007-07-27 11:42:20 · 4 answers · asked by rung1819 1

Recently caught my attention when I was applying for personal loan. The loan lady said that I am not qualified, cos there is negative item reflecting on my credit report. It's medical collection. I had never received bills from the medical group. It was about treatment provided to me since 2004! Now the over due debts had turned over to the collection agency, and they also had never sent me a bill for it. When I called the original creditor, they cannot handle my debts anymore. When I call the collection people up, all they want is the full payment without providing me more details on the debt. I was mad cos they ruin my credit behind my back without me knowing at all. Can anyone suggest if it's a good first step to dispute it with credit bureau first. I think, at least the Bureau can force them to dig in to more legitimate info about this debt before I pay.

2007-07-27 11:12:37 · 7 answers · asked by kaffawong 1

Don't confuse this with www.freecreditreport.com or www.annualcreditreport.com, these sites are reputable and it is the goal of creditreport.com to confuse you.

You have to sign up for their crediit monitoring to get your "free" report and credit score. That is pretty standard with the other 2 sites as well but the problem starts when you try to cancel, especially if you kept the service for any length of time after the free trial. They will do anything to try and retain you, they even have a retention department dedicated to doing just that. A call to cancel is worse than a trip to the dentist, then after you think you have cancelled, billing continues as usual.

They claim to have no information about confirmation numbers that they themselves gave you and they claim you never cancelled.
I have reported them to the BBB and everyone else I can think of, I urge anyone else who has dealt with this company to do the same.

These are my own personal experiences, do you have any?

2007-07-27 11:06:40 · 5 answers · asked by Anonymous

I have a negative account on my credit report that is affecting me in a negative way. This was reported way back in 2001 and I paid the account in full in 2002 but the bank continued to report that it was unpaid till I recently disputed with them. They finally changed it from unpaid to paid after a charge off. I really want this information removed from my credit report since its so old. I have asked the credit buraus to remove this three times but they have not done it. What are my options at this point? Please tell me what I need to do to get this peace of information removed from my credit report. Thanks

2007-07-27 10:28:55 · 6 answers · asked by love2shop 1

Ok I receieved a bill from a credit card today and it had a balance of $160...the thing is i never even called to activate the card and I didnt use it...I called and cancelled the card but I am scared now because what if the hackers or who ever got my credit card number in the first place steal more of my information... Could that happen? Could they steal my S.S number? Am i going to have to change it? What can I do please help I am going through a rough time 8-(

2007-07-27 10:15:41 · 6 answers · asked by magallanescarla 2

One time I was late 1 day on my payment. My interest rate instantly jumped to 19% from 7. I was charged interest for the ENTIRE billing period on everything, even if it was purchased halfway through the billing cycle. I was charged interest on everything in the next billing cycle even though I paid off the balance entirely . And then everything that was purchased between the time I got my next bill and they got the payment on that next bill was charged interest on. CRAZY! I'm using cash more now adays because of this. I just don't trust them anymore. So I think they're disenchanting many people and loosing business.

2007-07-27 09:51:53 · 6 answers · asked by LG 7

i have a credit card bill that is 16 years old that a collection company is calling me for. is it still collectable after this time in the state of ohio?

2007-07-27 09:45:53 · 4 answers · asked by Anonymous

I have two of those rip off credit cards, First Premier and Applied Bank, I paid them off in full, will it hurt my credit to close both accounts now? They are the only cards I currently have, as I am trying to establish some kind of history. However they are rip offs and charge me just to have an open account with them. Any suggestions would be appreciated.

2007-07-27 07:22:38 · 10 answers · asked by Anonymous

I have six cards, and don't know which to pay off first.

2007-07-27 07:12:54 · 8 answers · asked by Duncan H 1

I did an online dispute with CSC? I printed out my disputes. Has anyone ever gotten an answer by online disputing? If I mailed this in to the company on a Monday how long would it take before an answer. I keep watching my scorewatch and its been 28 days and nothing has changed. I have been holding on the phone with equifax for 34 minutes now!

2007-07-27 06:41:39 · 3 answers · asked by Kk 1

http://www.sandals.com/sandalscard/index.cfm?WT.mc_id=Visa_July07

2007-07-27 04:06:53 · 4 answers · asked by Anonymous

as when u put in for a loan my credit is good but because my house is still on the list. till it is removed from list i can not get a loan

2007-07-27 03:45:20 · 11 answers · asked by gavin m 1

I don't carry a big balance, just charge things like plane tickets, gasoline, etc. My credit is great but I like to have a 0% (on purchases) interest card so I can carry a balance withoug paying interest. Have always been able to get one before (offer came in the mail) but I don't see any now. The 0% interest should be for 18 months so i don't have to change cards too often. I don't need to transfer a balance at all. Airline miles or rewards would be nice, too. Suggestions?

2007-07-27 02:56:29 · 4 answers · asked by Sufi 7

my wife is in a band and had a gig in florida, the gutiar player decided to quit the band and come home early, hewent to united and bought a plane ticket and told them to put it on my wifes credit card. what should i do.

2007-07-27 02:48:53 · 6 answers · asked by json 1

its a 1996 on 1/2 acres

2007-07-27 02:14:41 · 2 answers · asked by plummella 1

When i was about 13 or 14 my mother took out a credit card. For the joint user, she put MY information down. She later called and changed it to my fathers information (we have same first and last name) and now they filed for bankruptcy 7 years later and THAT credit card is on MY report. I was a minor, and didn't give consent!! What can I do???

2007-07-26 18:44:05 · 8 answers · asked by justflorin 1

I can't get a credit card, yes i tried the student ones and even department stores all have denied me. I can't even get a cell phone in my own name. I just turned 18 and i just don't know what i can do to get credit and suggestions?? and i also can't get anyone to cosigner for me they either don't want to sacrifice there credit or they have bad credit.

2007-07-26 17:49:55 · 9 answers · asked by trueworship712 2

I am getting married end of this year and would like to have a beautiful wedding but as we all know weddings are expensive, i dont want a fancy wedding just one i wont forget .So i guess i just want a credit card to make my wedding dreams come true with no worries.So does anyone know anyone that can help.

2007-07-26 16:28:39 · 14 answers · asked by foxychick 1

hi, i need a loan of 40k but my credit score in equifax is 678, experian 613, transunion 616 is it possible to get the 40k loan with these score and which score will they consider? would it help to have my brother cosign for the loan he makes 40k yearly and his credit score is 610 and i make 35k yearly. what are my chances to get the unsecured loan of 40k with my brother as a cosigner? i need the money to pay my parents debt which is 37k but if i make whole payments to the collection agencies they will reduce alot.i have no collateral i am looking for unsecured loan from banks.do u think i qualify???if not for how much do u think i can qualify??(maybe 30kunsecured loan i can qualify)..........i am planning to apply to my bank or citifinancial and i would never get a loan from the internet or other places so please don`t offer me any... i only trust banks.... citifinancial sent me a loan invitation of 10,000 but with my bro as a cosigner do u think they can offer me 30 or 40k??? Thanks

2007-07-26 14:40:31 · 5 answers · asked by lokito 1

I co-signed on a car for my sister to help her out. The loan has about 10,000 dollars left on it and the bank is going to repo the car. I know my credit will be TRASHED, but will the bank garnish my wages or repo some of my property or will they go after her? I know what they can do, but what will they more than likely do? I talked to the guy at the auction they would probly get about 3,000 for the car still leaving like 7,000.

2007-07-26 13:54:46 · 8 answers · asked by Dimples 2

I got a best buy store card recently & discoverd I had "debt protection". Even after I told the Rep 4 times I didnt want it while she was trying to explain it to me. Her boss just said "I must have signed for it" even if I signed in the wrong place. He basically called me stupid right to my face. Then I got a letter says I hadnt signed for it & that it would be credited back to my account. When i tried to pay Pay online HSBC told me "my SSN was invalid"! At this point when I called them they had entered the wrong SSN & apparently it was a valid number becasue i had used the card by then. So should I pay this card off & just cut it up?

2007-07-26 13:05:29 · 4 answers · asked by Willis C 3

Someone sent a check that was obviously a scam and they haven't returned my messages after I never answered back. Do I contact the authorities or what???

2007-07-26 12:24:20 · 5 answers · asked by crash33mlb 2

How many are losing their house and will it be harder to buy a car on time?{payments?{ How long will this last?

2007-07-26 11:35:10 · 5 answers · asked by Gypsy Gal 6

My husband and I are very happy unless it is about money. He is a very even tempered man unless money is brought up. He makes more then I do but our bills are split right down the middle. I have paid our morgage and car payments late and they have reported on our credit. He is going to look up our credit rating soon because he was turned down for a credit increase. I don't know what to do I'm just sick about it. I'm not sure if I should tell him before he finds out? We have two small kids and I just never wanted them to witness us fighting over bills.

2007-07-26 10:23:25 · 5 answers · asked by Tara W 1