Credit - August 2007

I am wondering if paying off my credit cards will help lower the interest rate that will be offered to me or will a larger downpayment be more beneficial. **Please NO solicitations**

2007-08-08 14:04:43 · 13 answers · asked by ryannamyl 2

2007-08-08 13:01:20 · 4 answers · asked by Shallow person 1

What will it do to my credit score and what will the creditors look at?

2007-08-08 13:01:06 · 6 answers · asked by bigflipper 2

My dad asked me earlier to look at his bill, and on it says there's a 100$ charge from/by a NYTELECONFE. It also gives a 1-800 number beside the name, and "NY" right after the number. I can only assume that "NYTELECONFE" means New York Telephone Conference. The thing is, we live in California, and my dad doesn't know anyone from New York. As far as we know, there's no one that's used his credit card, nor do they have access to it.

I'm stumped myself, and the bank told us to call the 1-800 number, but the 1-800 number is busy all the time, and as far as tracking the number online, the search has proven a failure. I can't track this number anywhere.

Can someone help?

2007-08-08 12:46:50 · 1 answers · asked by NereidoftheBlue 2

Hi, I havent take a look at my credit score but i know is bad, i just divorce and i got fired from my last job (unfairly) but thanks God i have a good job now.
My point is that i really dont have too much debt in comparison to the average person but I have been very late on my payments until 5 months due! SO i need some advise in what to do :
I have a credit card that the balance is like 250 and i have to pay monthly $15 so? how should i pay it in order to increase my credit score? should i pay $30 monthly instead of the $15? or should i try just to pay it off in 2 months? I dont have any idea how this credit score thing works!
Please give me an advice only if you are sure about it...

Thank you very much ;-)

2007-08-08 11:18:48 · 7 answers · asked by Carolina_79 2

Do CC companies really hire law firms to sue people over unpaid cc debts less than $2000?Some law firm from UTAH called my mother's answering machine left a rude msg that they are going to sue me and take me to court over a Providian CC I once had. I called them today and the guy hung up on me 2x. Finally I called back and got a "manager" he basically told me that the collectors sold it to them and they will serve me papers and sue me if I do not pay it off. I am a student and only make $8/hour!!! He basically is trying to force me into paying a sum of $25 a month w/post dated checks! He also is demanding that I get to a fax machine immediately so he can fax me some papers to sign and then wants me to give him 3 months worth of post-dated checks! I don't know what to do but I have had other bills that I am worried about paying besides a cc bill from 5 years ago! Is there any free legal advice, can they really do this and should I sign those papers???

2007-08-08 11:01:17 · 8 answers · asked by greenangel192002 2

IHAVE AJOB AND SMALL DOWN PAYMENT BUT CREDIT IS NO GOOD

2007-08-08 10:42:13 · 5 answers · asked by Jimmy B 2

2007-08-08 10:36:27 · 3 answers · asked by Anonymous

2007-08-08 10:33:46 · 8 answers · asked by Anonymous

He lives in the state of Florida, what should he do? He cannot afford to pay it off right now.

2007-08-08 10:05:39 · 8 answers · asked by Anonymous

In recent weeks, I've been offered to make a settlement on some of my unpaid credit card balances with a few of the collection agencies that have been calling my house frequently. Personally, I don't think that's a wise decision because it may affect my credit background with all three major credit bureaus. As we all know, collection agencies are known to hound consumers to death when it involves collecting money on bad debts and charged-off accounts from former creditors. I understand credit advisors across the country don't recommend a consumer to "settle" an account with neither a creditor nor a collection agency. I'd rather just face the music and pay the balance on record or if push comes to shove, maybe consider debt consolidation. Please advise what would be the best option to move forward with.

2007-08-08 09:33:54 · 5 answers · asked by Roderick C 1

couple of theories as to why and what i owe being the culprits, but how do you find out exactly what is making your credit too bad to recieve a credit card?

2007-08-08 09:13:35 · 12 answers · asked by Anonymous

2007-08-08 09:08:52 · 6 answers · asked by Ben A 2

almost 60 days after the card had been cancelled. They are saying that it needs to be investigated. Is this bank fraud. Shouldn't that card have come up invalid when someone tried to use it???? Is the bank responsible for replacing this money?

2007-08-08 09:07:36 · 2 answers · asked by seashell 6

i had negative collection accounts removed from my credit file. I negotiated this with my collectors, i would settle the debts with a stipulation that once they were paid, they would have the report completely deleted from my credit file. They agreed to this in writing. I checked all 3 credit reports a couple of days ago, and they kept their word!! (hooray).
So now, i have NO negative tradelines on my credit file whatsoever and i have 3 accounts in good standing (all of which have been opened for at least 3 years) as showing open/never late.
My question is how long do i have to wait until my credit score goes up? i want to get a car loan asap!

2007-08-08 08:59:16 · 7 answers · asked by Anonymous

I've been charged $250 for buying jewelry, it says in my online card account, and I checked every reciept I have kept and certainly don't remember buying a jewelry. What should I do? I already called the bank and told them that I've been charged of something that I didn't buy and even called the store from where the jewelry was bought, and they just ignored my call. Answers are appreciated(:

2007-08-08 08:56:07 · 5 answers · asked by Anonymous

I was desperate to sell my house, and I found a family that wanted to rent it for a couple of months until they qualify to buy it. They have made the first two payments right on time, and the last two they still haven't paid. Now this is showing on my credit report. I know this was probably not the smartest way to go, but I was desperate to get rid of it. Now I am in a huge need of a car, and noone really wants to lend me anything due to the past due mortgage payments. Any suggestions???? Please let me know....

2007-08-08 08:50:24 · 12 answers · asked by Anonymous

I just got married.

My credit is stellar. My hubby's: not so much.

My question is, will the debts that he had before influence my credit score?

Will the debts that he's incurred since we got married influence my credit score if he fails to make timely payments?

We don't have any joint credit cards or accounts. We keep our money separate (yes, I know it's strange, but it works for us).

I know that crediors can come after me for any debts he's gotten into since we've been married if he defaults on payments, but I wonder if it's affecting my score in the mean time...

2007-08-08 08:47:18 · 3 answers · asked by Anonymous

I left my company in May '07. In July '07 I was notified of a $3,000 overpayment. They are sending me bills monthly wanting payment and they want me to sign a promosiary note for repayment? ALL OF THIS IS IN TEXAS! Do I have to pay them back, what would be the conquences of not paying them back and what should I do?

2007-08-08 08:20:12 · 6 answers · asked by camdfw 3

2007-08-08 07:46:04 · 1 answers · asked by Addison 2

is it true what i heard about that company that bought the debt really bought it and you aren't entitled to pay them or give them any info. since your businesss is with the orginal company not them? i was told all you need to do is send them a formal letter stating this right. i do understand that it would still be on a credit report but do i really owe these jerks?

2007-08-08 07:43:52 · 4 answers · asked by gymrat20042002 1

I parked my car at an Imperial Park, a privately owned parking lot for work in Seattle. Because I stayed until after 6pm, I recieved a notice on my windshield to pay by mail. I put the notice in my car and did not pay it. The original parking amount was for $12.00. The next thing I recieved was a notice that this had been assigned to a collection agency. I never recieved any warning or reminder or notice that this was going to happen. The bill was $60.00. I called up "Parking Collection Service" and told them I was not going to pay $60.00 but that I would happily pay the original $12.00 fee. They said, "we will note your refusal to pay"! and then they hung up on me. I read the letter sent, and it says failure to pay may result in Further Collection Efforts. I don't know what this means, but I feel scared that this will now be on my credit report. Will it?

2007-08-08 07:29:45 · 4 answers · asked by malgernon1982 2

i need some advice on where i can go for a loan to help me get out of debt .i have a ccj so my credit isnt great and i dont own my home so cant use that .any advice would be apreciated thank you

2007-08-08 06:49:05 · 6 answers · asked by Anonymous

Whats the best options for getting a home loan if your credit isn't so good?

2007-08-08 06:33:50 · 4 answers · asked by Anonymous

has anyone dealt with a company kenny_marklenders

2007-08-08 06:30:53 · 4 answers · asked by Anonymous

Is there a fast, easy, and LEGAL way to restore my not so pretty credit score?

2007-08-08 06:04:38 · 7 answers · asked by nicegirl84 1

2007-08-08 05:45:18 · 4 answers · asked by Darkness 1

I paid for something with my checking account card (using the credit card option). It went through 20 days later and overdrafted my account. I thought it had been taken out already. Is there some rule of how long they can wait before withdrawing it??

2007-08-08 02:45:18 · 9 answers · asked by damo 2

i was receved a massage from yahoo voice told me that for security reasons your account has been deactivated.

To protect the credit card transactions made by Yahoo! users, our system is designed to safeguard against suspected fraudulent activities.

Your credit card has not been charged

what can i do now for fixing this problem

2007-08-08 02:28:13 · 3 answers · asked by `ˆ~¤§( Kamal ) 1

"Sorry, but for security reasons your account has been deactivated.

To protect the credit card transactions made by Yahoo! users, our system is designed to safeguard against suspected fraudulent activities.

Your credit card has not been charged
" what can i do now?
please answer me

2007-08-08 02:06:22 · 3 answers · asked by `ˆ~¤§( Kamal ) 1