Credit - August 2007

i had my first credit card since may or june how long does it take to get my credit score help please i need it to be at lease 700 so i can get my first apartment at least by march

2007-08-22 15:25:56 · 3 answers · asked by mziwantitall 2

I got a letter from what looked like a lawfirm and it turned out that it was... but it wasn't a letter from a lawyer it said so on the bottom... but the letter frigtened me into to calling them before I understood all of my rights.

I told them I could pay everything the next month... and that my husband was overseas... I didn't know anything about disputing debts at that point and well my husband just went to Iraq and suddenly I get this letter that makes it seem like they will take him to court!!!

So I just wanted to avoid that at all costs because there is no way he could possibly be there!

They didn't want me to pay them next month and they didn't mention that I could try to pay them half or anything... I DO have a house payment so there was no way I could pay it all!! I could probably have offered to pay half if I wasn't so afraid and was able to think correctly but they scared me...

Then they told me that it was "OUT OF THEIR HANDS"

What does that mean??

2007-08-22 15:16:11 · 5 answers · asked by Anonymous

2007-08-22 14:57:52 · 7 answers · asked by catlady 2

I got a call from a spanish station that asked me if my dad was home and I said no. Then he asked who am I speaking to? And I said "His son Saul" ...(a little pause like if i got cut off)... Then He came back on the line. then he said "Okay We are about to start a new radio station so tell me do you like spanish music. I said no Only english. Then He asked "Does your Dad Like Spanish Music?".. Then I heard a little click and I said "Yes" Then I heard the click again.(Then I though Holy **** they were recording parts of what I said) So he continued talking like normal and all I said was "WHAT THE ****" So he just said ok thank you for your time and he hung up.

2007-08-22 13:23:14 · 2 answers · asked by Lilsleepy59 3

I am new to credit cards so please answer clearly.

I've been good with paying my credit card every month so far, I've had it for about 5 months. I usually only have a couple hundred dollars or so each month.

This month I have $1300 on my card. I don' t know if I'll be able to pay the full amount but I think I have 0% introductory APR for a year. Does this mean that if I pay my credit card AFTER the date it is due I won't be charged any extra $$$?

PLEASE LET ME KNOW!

2007-08-22 10:44:26 · 0 answers · asked by Anonymous

How long should I wait after opening a credit card (2nd open credit card, third line of recent credit) before applying for a mortgage? I pay off my balance in full each month, so getting into credit card trouble really isn't an issue for me.

2007-08-22 10:27:01 · 5 answers · asked by G M L 4

I have had a checking account for about 4 years now, but I have never used checks. (just depit card) I ordered checks online, but the boxes came seperalty, and I used 2 of the higher numbered ones first. Can I still use the lower number checks?

2007-08-22 10:17:49 · 16 answers · asked by Kevy 7

I was just turned down for a small personal loan and they said my credit score is 615. I have one credit card (Discover) with not much of a balance on it, always made my payments on time. I have only had it for 1 year, and I'm 21. Someone said not having a long credit history can hurt your score? My Discover limit is $2,000 and I have a $300 balance. I work one job full-time, I make about $450 a week.

2007-08-22 10:02:18 · 4 answers · asked by Anonymous

ok yall are going to think im soo dumb, but im going to ask this question anyway...I have a debit card, and i wanna put more $ into it...how do i go bout doing that? like do i have to fill out that deposit slip or do i just hand the $ to the guy and tell him what i want?
i have wachovia if that helps any...

2007-08-22 09:56:32 · 2 answers · asked by Anonymous

for 4031.00?
Or does it matter on the bank?
Thanks

2007-08-22 09:47:55 · 7 answers · asked by invalid chromosome 2

2007-08-22 09:42:10 · 8 answers · asked by Anonymous

My credit card limit is $300, I was supposed to pay my bill a month ago, but I had a problem and payed it late. So my balance was $399.54 and I payed the entire thing. Well I went online to check if the payment got there and now my balance is $0, but my Total Available Credit is also $0. Meaning there's no money I could take out of the credit card. But I payed my entire bill and they recieved it. Why are they doing this? I really need to use it right now and it's not letting me.

2007-08-22 09:38:53 · 4 answers · asked by Anonymous

I need the money ASAP! I also want to do it online.

2007-08-22 08:45:18 · 9 answers · asked by Anonymous

they say they couldnt find me so did this i asked for written confirmation of this they refused and told me the debt was dead although they can sell it on to a reclaim agency but as far as the bank is concerned they will not chase it. where do i stand? am i safe? should i plan for them doing something now they have spoke to me?

2007-08-22 08:41:49 · 10 answers · asked by zeenme 1

I currently have about $15K in student loans at around 8.5% (variable rate). They are private loans, NOT federal. My credit card is offering 4.99% for balance transfers until paid in full. Will it hurt my credit score to move this debt to my credit card? I know that the mix of revolving debt v. term debt is a consideration, but I don't know if it's significant enough to be paying the higher interest. I have 8 years left on my term loan right now (10 year loan).

2007-08-22 08:40:59 · 3 answers · asked by Annette J 4

I know there are lots of variables with a credit report, but I'm having a really hard time figuring out this one...
I'm in California; where it appears that the statute of limitations to "recover" a debt is 4 years - though my main question is about my actual credit report record anyways....

On my report, there is a negative account filed (it was transferred to another collections agency a while back, and not paid off for other reasons, so please just know it's not paid, but I don't think on the actual report-wise it matters). From what I can see, an negative credit account can stay on my file for 7 years.

But, when that magic 7 years date "starts" is my big question, with lots of conflicting info. Here's the details of that account:

Date Opened: 9/1999; Date Reported 10/2005; Date of last payment 3/2000.

So, does that 7 years start from the "last payment date"? That has past, and it's still on my file. Does anyone know why or what I'm missing? Thanks.

2007-08-22 08:34:37 · 5 answers · asked by someoneoutthereishere 2

I want to buy a newer car next year, but my credit is not the best. I''m currently rebuilding my credit, and my credit score should be between 620-650 when it's time for me to buy a car. I'm current on the auto loan i have now and i have been on time for a year. However i was late numerous times before then, due to a job loss. I also have a credit card through the same company thats financing my car and i have never been late with the credit card payments. Matter of fact i have a balance of zero on my credit card. I'm also a member of a credit union, i get my work checks directly deposited into my credit union account. My car will be paid off in 8/2008, but i plan on paying it off earlier when i get my income tax check in 01/2008. I like the current auto finance company i'm with now, because they gave me a fair rate, eventhough my credit was'nt the best. Should i try to get my next auto loan threw them, or should i try to get it threw my credit union?

2007-08-22 08:34:16 · 4 answers · asked by Anonymous

2007-08-22 08:30:58 · 1 answers · asked by Anonymous

my husband had a credit card that went into collections. i had made a payment of 65.00 which was the total amount past due but it had already been sent to collections without me knowing and of course they still took the 65 dollars. well i talked to the collection agency and they agreed to settle however i had to pay the total amount at that time. i told them i could pay the full amount and they refused to break up that payments. i told them that when my finacial situation changed i would contact them to pay the bill and hung up without hearing what they had to say. two secs later they called back. i have refused to answer the phone when they call. is there anything i can do stop these annoying phone calls. i would like to pay it off however i feel i have been treated unfairly. what do you think? and what can i do to stop these calls

2007-08-22 08:28:03 · 10 answers · asked by felixnstacey@sbcglobal.net 2

2007-08-22 08:26:02 · 7 answers · asked by Anonymous

I am trying to get a loan (between $7,500-$10,000) to pay off some debt and clean my credit. I am looking for a LEGIT company and I have already tried Prosper but to my surprise, my credit score isnt high enough to be eligible. I did look at my credit score which is 531 (although Prosper said I was under 520) I made some mistakes in college by getting credit cards to pay for school. Is there any legit site, place or service that would provide me with a loan, with my credit with the option of a long-term payment plan? Please help

2007-08-22 08:25:11 · 3 answers · asked by eminem_gurlle 1

I purchsed a truck for my nephew because he did not qualify for several reasons. Now I learned that he is 5 months past due because of work problems. I need some advice on either to voluntarily repossess the truck, and take the lost, and probably ruin my credit or make up the payments and try to work with him on future payments. please help asap

2007-08-22 08:22:23 · 4 answers · asked by Anonymous

I am trying to get my credit good by working through my debts one bill at a time. One of my accounts got sent ot Midland Credit Management. I spoke with one of the representatives trying to set up a payment schedule. She would not work with me on a 12 month plan. She would only go for 5 months on a higher amount. She then grew upset and pushy and informed me that they would be taking me to arbitration. I then tried to call the company back just to get a mailing address to send them a letter request verification that I have a legal obligation to them.

2007-08-22 08:19:32 · 4 answers · asked by so_adorable21 1

Too make a very long story short, i cosigned on a car for a family member. The car got repo'ed twice in a year. The contract stated if they repo'ed the car more then one time in a year, they can ask for the balance in full, even if i'm one payment behind, which i was. Once the car got repo'ed the second time, the company said they would give us a certain amount of time to pay the balance off before the car would be sold at a auction. Money was paid on the car, but they sold it anyway because it wasn't paid in full. They ended selling the account to a law firm, and i made payment arrangements with them.I got a copy of my credit report, and the company i got the car from has the account charged off. They repo'ed the car the 2nd time on 8/2005, yet they charged off the account on 9/2005 eventhough we made payment arrangements with them on 8/2005. Is this legal? Does a certain amount of time have to past before a company can charge off a account?

2007-08-22 08:10:07 · 2 answers · asked by Anonymous

Irresponsible question I know... but I wrote someone a check and my check register is obviously off, because when I checked my online statement - the check cashed, but I'm now in the negative. Does the recipient of that personal check know that the funds weren't all there?

2007-08-22 07:14:11 · 11 answers · asked by Anonymous

I have an old bill with scana energy that I didnt pay. It should drop off of my credit reports in March, 2008. it is showing up as an installment account on my bureaus. It is now paid. Should I dispute it to say it should be a collection? Or does it matter, since it should drop off next March and shouldnt make a big difference score wise anyhow?

2007-08-22 06:57:52 · 3 answers · asked by hasdad62 6

2007-08-22 05:58:44 · 3 answers · asked by martha_lucas 1

I have a Premiere Bank credit card... I am not late on any payment yet for the last 3 days I have been getting constant calls from them. Today I called them and I was told that they were giving me a courtesy call that I was 10 dollars over limit on my account. I asked If I was late on a payment or If I missed a payment? They said NO. I responded with “Then why are you gusy harassing me?
They said that they will call me every day as much as they want until I get back on track.. I was upset to say the least! I said you are harassing me yet I am still current..

What can I do?

Is it true that I can write them a letter indicating I want all correspondence by mail?

Please help!

2007-08-22 05:49:01 · 6 answers · asked by Anonymous

2007-08-22 05:42:49 · 4 answers · asked by flaco20890 2

What does the lender use? If I purchased the triple scores from creditreport.com what am I seeing? IM CONFUSED! ;-(

2007-08-22 05:02:59 · 4 answers · asked by Cute Gurl 1