Credit - August 2007

Since the companies have to respond within 30 days, and some of them won't in that time period? Are there any negative affects this might have? Or does it depend on what I say when I dispute the items? For instance, if I say I never paid this late, what could happen? Is this risky?

This credit business is ridiculous.

Thank you!

2007-08-31 20:17:19 · 10 answers · asked by Anonymous

Is it just me, or is any place that lends money and has the word "financial" in its name a really bad place to get a loan? It's something I've noticed. If they're called "Acme financial" etc, do they tend to give loans that aren't at a very good rate? Or they cater to people with poor credit? Is this true? Or have I just been seeing something that isn't there? If it is true, what is the reason? Is there a law or something that requires it? Just wondering. Thanks.

2007-08-31 18:56:41 · 3 answers · asked by blooming chamomile 6

2007-08-31 16:22:21 · 4 answers · asked by Anonymous

I'm an international student and I want to get a credit card. Right now, I have an checking account at the First Hawaiian Bank. I went to ask some questions about the credit card but she said that I had to be either working or get my parents to sign the paper or something. Still I don't quite understand everything she said. (actually she didn't really explain it to me. she gave me a brochure instead...) Anyway, what is required to be qualification??? I know I have to spend at least 1 year of time in Hawaii to do it. What else? She did mention that I had to be working but I'm an international student. Is it legal for me to work part time outside school campus? (cuz I don't want to work at school) Also, I don't have a state ID but I will soon get it. And, I'm staying in US with F-1(student visa). I'm also full time student at college.
Lastly, what is the difference between master and visa??

2007-08-31 15:39:57 · 4 answers · asked by aji 3

i had an american express card(Rewards gold card) i am using this card from tow years ago i don't want to renew this card becasue of its high annual fee ($100) so what i suppose to do ? pay only the outstanding balance without the renewal fee ?or i must call american Express to close this account , if I close this account will this make any effect in my credit score , please answer me in a way that i can not effect my credit score...thanks

2007-08-31 15:05:13 · 9 answers · asked by naderbd 1

If I don't think I made late payments or have a valid excuse for making a late payment will a collection agency work with me to remove that from my credit report or is that just wishful thinking?

2007-08-31 14:19:06 · 6 answers · asked by Antonio 2

My HSBC card called me twice today at work, leaving messages with my co-worker. They called again, I answered and they wanted to know if I made a $100 charge to sprint, a $76 charge to Target, $100 on flowers, and $50 for a haircut.
I made all these charges and i usually spend 400 a week on this card. My payments are on time and im under the credit limit.
I was embarrased because i have nosey co-workers everyone was listening and making up stories that im bakrupt.
I am outraged that they would call just for this at my job like I did something wrong.
I have citibank and if they think something is suspicious they just leave a message at home.

What the hell was this about?

2007-08-31 12:53:33 · 9 answers · asked by Anonymous

I am trying to rebuild my credit and i cant even get a loan.. i posted on here but something happend.. somone told me to email this guy that gives out loeans but i dont know if i should do it.. i cant get approved for a lona and it sucks... does anyone have any help with getting a loan or something????

2007-08-31 12:18:48 · 12 answers · asked by Anonymous

after seeing the ad for 2 free months and then an addtional month, i decided to re-subscribe. after going through the installation steps, my credit card needed to be updated, and the charge was $70.00 plus. help. thanks

2007-08-31 12:18:39 · 8 answers · asked by Gary C 1

back in 2004 I got a ticket for not making a full stop at a stop sign i was giving a ticket and had to go to court. but i didn't go and i didn't pay for my ticket. I didn't pay not because i didn't want to i just don't have the money and i did go to court becauuse i couldn't get the day off from work it was all bad timming. i didn't think i had a bench warrant I just found that out. this is my first time i never been to court or had anyother traffic ticket what should I do How can help me what will Happend to me????

2007-08-31 11:55:50 · 9 answers · asked by shrekdog 1

2007-08-31 11:53:29 · 12 answers · asked by Funnygal1 1

We both have bad credit like in the lower 500 and high 400 but we want to build that up. We are trying to buy the house we are living in right now but can't. The lender informed us that we need to obtain a loan to build our credit. But so far we have been turned down? Help? Does anyone know anyone that can help us?

2007-08-31 11:39:11 · 8 answers · asked by chellebeth75 2

2007-08-31 11:35:30 · 8 answers · asked by Anonymous

2007-08-31 11:33:09 · 8 answers · asked by maria#1 1

If somebody has no credit score can they get a car loan

2007-08-31 11:24:59 · 11 answers · asked by Anonymous

I need about 500 dollars until my next pay day. How much will they charge me to do so. I know it isn't the best idea but I have to or I will lose my sons daycare and then I cannot work at all. My checks I recive from my employer are about 800 after take home. I have no other alternative or anywhere else to borrow from.

2007-08-31 08:39:53 · 8 answers · asked by nene 3

So I've got a debt of 2999.17, and they sent me a letter offering 35% off if I paid in full (1949.46). I'm sure I can pay even less than the 2 grand, but I don't want to aim too low at first, because I know it'll be some sort of haggling situation.

Also, I don't know where to set my bottom line of what I simply will not pay more than. I really want to clear this up, and I really want to pay as little as possible, but I haven't dealt with these people much in my life.

2007-08-31 08:12:23 · 18 answers · asked by starofiniquity 5

My credit started in 1988 when Mobil or Exxon reported that I opened a credit card.

No big deal. I'm ok with that even without my authority and consent.

What I'm not ok with is how much bee-ess I'm having to go through to get my stupid credit reports from these jamokes.

Mobil, Exxon, and any other Tom, Dick, and Harry can say whatever they want about me at the drop of a hat. However, try to get a copy and what do they say?

"The information you provided as proof of your identity does not match your information currently on file."

I'm trying to teach these credit bureaus a little bit of math:

If A = B, and B = C, then A = C.

A is me
B is the creditors
C is the credit bureaus

A can talk to B.

B can talk to C

But C won't talk to A.

What exactly is it the credit bureaus don't get about that?

2007-08-31 08:07:12 · 4 answers · asked by Question Monster 4

I'd like to pay off a credit card without the world (or my wife!) knowing about it. I can make good monthly payments but it's best if I deal with it asap. Thanks.

2007-08-31 07:51:53 · 4 answers · asked by frothylager 1

A company is threating to send my bill to a collecting agency. I always pay the bill in full every month. I decided to stop part of their service a couple weeks ago. I get the bill today and it's a month in advance and they want me to pay it in full when i quit part of the service and now they're threating to send it to a collecting agency when i no longer have the full service and why pay full service ? Any advice on what to do ??

2007-08-31 07:34:34 · 1 answers · asked by tigerclawz031 2

@ my university I was paying with a Mastercard Debit and it stated an additional $10 fee would be added to the total, and When I went to purchase an ID fro the DMV it said the same thing but the fee was $2

2007-08-31 07:29:41 · 2 answers · asked by Fruitful1 3

2007-08-31 07:27:51 · 3 answers · asked by cristina b 1

How long can collection agency try to get money after you? if there a time frame they will stop calling ? and if you dont pay at all, are they going to give up the account eventually?

Thanks!

2007-08-31 07:27:40 · 5 answers · asked by hideaki413 1

I went to an emergency room using my insurance card, just like all times they denied one of the claims the total cost was $ 22.00, I wasn't inform about it, it went to a collection and now it is on my credit report as extremely past due, how I can fight them to wiped off of my credit report.
Thanks, Cesar

2007-08-31 07:21:46 · 2 answers · asked by Cesar Z 1

The other day when I talked to a Bank of America CSR, they told me that I could deposit cash into my checking account from my Bank of America Platinum Plus credit card. This card is newly opened, and should have 0% APR and 0% BT through February 2008 (I'm going to verify this to make sure of the terms when I get the card itself, any day now).

My question is...how does the bank make money on this? If there is a 0% APR and BT promotional...I haven't read anything about charging cash onto my credit card, and depositing the cash amount into my checking account. So, how does this work? Even with the 0% APR, are they going to do something like try to clip me with a cash advance fee of some type? I know they make money off from this somehow, since they aren't getting interest right now. Has anyone ever done this, and was there any kind of additional 'fee' for it?

2007-08-31 07:09:02 · 8 answers · asked by JMR 1

2007-08-31 07:05:03 · 4 answers · asked by tiffany m 1

how will this affect my credit, or what will it go as, repo, or bad debt?

2007-08-31 07:00:36 · 2 answers · asked by james j l 1

Iam looking for someone that is cheap and also something that I dont have to do so much work myself.I need to know can public records be removed from your credit report ven if they have been paid? what about inquries? can these kind things be repaired?

2007-08-31 06:40:13 · 7 answers · asked by emma25 1

2007-08-31 06:36:00 · 5 answers · asked by LiStEN<<<Is Retired!! 4

I know it's hard to believe for so young a person to have such bad credit but at 22 my credit is really bad. I have been stressing myself out to a point where i get sick trying to deal with all the people calling me for money the problem is I lost my job over a year ago and haven't found anything. I can't pay for school and no one will give me a loan because of my credit. I don't know what to do anymore....

2007-08-31 06:35:26 · 7 answers · asked by Anonymous