Credit - August 2007

My dad passed away a few months ago. My step mom tells me that creditors are claiming she is responsible for the debt he owed in his name. This is in the state of Texas. They did not jointly go in on these accounts and only my fathers social security number was tied to his credit card (he owed 11k) and a 2k loan for a piano. Can they really do this? Thanks for the answers.

2007-08-10 13:56:25 · 14 answers · asked by lovelyrj7 4

Within the last six months, Capital One has raised hundreds of thousands of people's interest rates on their cards--some by 50% or more--without their knowledge. I only found out that mine had gone up after I had carefully read my statement 3 months after the fact. Because they didn't notify me, the "opt-out" period expired and I am stuck with the ridiculous rate.
Has this happened to you? Tell me about it. And please go here https://capitalone.questus.com/CAP140/ru/cap140_s/index.asp
to tell Capital One that you will never be a customer again. Let's be heard!
Capital One is ripping off each and every one of you who has a card!
What have you done to avoid or deal with your rate increase? (Most people have, like me, never paid late or been over the limit.)
CAPITAL ONE SUCKS! Let's unite to stop this juggernaut!

2007-08-10 13:47:39 · 6 answers · asked by ShirlD 2

I have bills from three years ago I Know there in collection and theres like 4 or 5 bills how do i find out what I owe so i can pay them off. I dont remember what bills they are so I need to know how to get that information?

2007-08-10 13:40:15 · 4 answers · asked by Anonymous

There are only 3 item on my credit that I can not get rid of, I've disputed it several time but did not work . I need to find another way to get rid of them. Please Help!

2007-08-10 13:33:19 · 6 answers · asked by pm 1

I hear it takes about 3 weeks to receive the credit card. I've seen posts on here that people sign up with as little as $99 and get a $500.00 limit. How does that happen? Did anyone do anything "special" in the process? I also hear that the card can convert in 6 months with good payment. Please confirm. One more thing can you really add more money to your deposit? I guess the best way to do this is to get a savings account with BOA and then have them take the money from that account?

Thanks much.

2007-08-10 13:31:13 · 5 answers · asked by mskarmelbrown 2

If so is there a fee for doing so? Is it advisable to do so? Thanks in advance for those who take the time to reply.

2007-08-10 13:20:22 · 3 answers · asked by onebigfool 3

Can an individual eliminate credit card debt by declaring bankruptcy? I didn't think you could wipe it out, just get the bill collectors off your back. But, someone told me that it depends on which chapter of bankruptcy you use. The right one WILL eliminate credit card debt. I know someone who has $80,000 in credit card debt and they are trying to do that to get rid of that debt! Is it really possible? Are there any restrictions in doing this. Can you ever get a credit card again if you do it?

2007-08-10 12:49:17 · 6 answers · asked by ol_skater_boy 2

Also is it legal for a business to make a copy of your debit/credit card? Any help you can offer would be appreciated.

2007-08-10 12:40:55 · 9 answers · asked by seashell 6

looking for a way to fix my credit without paying a credit repair company to to do it

2007-08-10 12:39:41 · 8 answers · asked by dewitt b 1

a person contact me on yahoo personals we started talking and then next thing I know he is wanted to send me money orders and cash them at my bank and send the cash western union to him he send them I went to my bank to see if they were any good and they are not and I want to get him off the internet so he doesn't do this to anyone eles

2007-08-10 12:21:30 · 7 answers · asked by Anonymous

number to see if some one is using it

2007-08-10 12:06:30 · 3 answers · asked by Anonymous

2007-08-10 11:45:14 · 6 answers · asked by Anonymous

I heard that if you send them a check and write on the back ("accepting this check is evidence that the transaction is complete and this charge will deleted from my credit") Is this considered a written contract in colorado and do they have to stand behind it? Will they delete it from your credit report?

2007-08-10 10:34:05 · 3 answers · asked by turnereac 1

2007-08-10 08:13:32 · 7 answers · asked by sharevyapaar 1

2007-08-10 08:06:14 · 4 answers · asked by sdgundam20032001 1

can any one guide me what are the benefits of credit card and hoiw to earn money from these cards. i dont want to go to debits.

i have got no percent 12 months balance transfer and purchases. i have no balance to transfer and dont want to shop either. i got cards may be there are ways to make money from them.

mudassar

2007-08-10 07:50:46 · 5 answers · asked by Mudassar Shahzad 1

I'm reposting, hopefully it will be less confusing. I had a tuition debt go into collections. I lost my job and moved to another state. I had to keep my out of state bank account open so my previous employer could deposit my severance pay. I agreed to pay $2500 @ $200/month. The agency debited the $ on the 15th of the month for 5 months. I received my severance pay in early March. I asked the agency if I could make my March payment early and for them not to debit $ on the 15th as I'd be opening a new account in a local bank. They agreed $ I was clear not to withdraw $ on the 15th. They rec'd their payment on the 13th. I opened my new account and transferred all but $100 into it. I left $100 in it in case I needed $ until the funds cleared at my new bank. They attempted to debit $200 on the 15th, 16th & 17th of March. I was hit with an insufficient funds fee at $30/ attempt. When I questioned them about it they demanded the full amount. I paid this debt in full, could I get my $90 back?

2007-08-10 07:48:35 · 11 answers · asked by Anonymous

Please help anyone! I have posted questions on this before.

My solicitors are telling me all that can be done is get a certificate of satisfaction for a mistake that they made, that resulted in a judgement against me (they basically didn’t pay on time, after a car accident). I want to see if there is SOMETHING/ANYTHING that can be done, to make them go through the painful process of reversing this judgement.

They are telling me nothing can be done. My credit rating file now has this, and I’m willing to go to any length to get it removed.

Any legal brains – help!!!!!

2007-08-10 06:39:04 · 4 answers · asked by Happy S 1

The collection is from a 2001 hospital bill that I have refused to pay due to a very complicated situated and it never should have been paid.

2007-08-10 06:25:56 · 5 answers · asked by foreverme1968 1

If i request my credit report from the credit companies will it lower my credit score?

2007-08-10 06:06:02 · 6 answers · asked by Pres 3

2007-08-10 05:59:07 · 3 answers · asked by Shel 1

I have good credit, but not much of it. And I want excellent credit.

2007-08-10 05:48:07 · 8 answers · asked by ryanberezay 3

I have a friend that needs to clean up debt. Before charging off to be a hero and completely opening a can of worms on her poor soul by referring her to any joe shmo I wanted to ask. I need to ask because cleaning up credit debt that has lay dormant for years is a tricky situation. The debts have been sold off and as soon as you make contact with the collection agencies all of a sudden the clock starts again and all he// breaks loose.

So...we have BK lawyers, credit counselors, financial advisers,etc so which ones are going to truly assist credit debt payoff strategy and report cleanup with my friend's best interest at heart?

2007-08-10 05:39:01 · 9 answers · asked by Delay 5

2007-08-10 05:28:02 · 10 answers · asked by jlcrwll 1

I am helping a friend with this issue. And they inccurred lots of credit card debt back in college and then blew it off. Totally blew it off for over 9 years. When I learned of this I told my friend they won't forget the debt - they sold it to someone. However - I have learned that the debt should drop off the report after 7 years typically. Some debts do not show up as charge off and some show recent activity - like going to a collection agency. What gives on the 7 yr drop off thing then? Do not want to open a can of worms here - and wish to settle debt at some point. Is cleaning up credit report separate to that or not?

2007-08-10 05:21:23 · 11 answers · asked by Delay 5

i was wondering this for a long time so i finally remember to post it and see if it is true.
i heard that if you send your payments with your personal check you can build credit
is it true??????

2007-08-10 04:00:56 · 10 answers · asked by TTC #2 Baby Dust MEEE! 5

Apparently, its an AmEx business credit card and both the previous owner's name and the business name is associated with it. I had purchased the business, but the previous owner did not fully disclose his debt.

2007-08-10 03:40:50 · 5 answers · asked by John C 1

1. Do they check that person's credit report/score?

2. Do they take that person's credit profile into consideration when they decide to approve/deny your application?

2007-08-10 03:14:02 · 11 answers · asked by Anonymous

2007-08-10 03:13:12 · 8 answers · asked by Anonymous

I just recently graduated from college and I have been living off credit cards for the last 4 years. I now have a very good job (about $40,000/year) and am trying to get back on track with my credit. I am not a homeowner, but am looking to consolidate my debt with a loan but am having trouble getting approved for one. Can anyone recommend a solution for me that does not require I have tried the website prosper.com, but they dont offer personal loans in North Carolina. Is there any hope for me yet?

2007-08-10 03:05:53 · 3 answers · asked by lle672 2