Credit - August 2007

I owe capital one a debt. I will pay them off when I get the money, but at this moment I do not have it. I will not be able to show up in court because I am in another city. I already know they will freeze my bank account. Would it be better just to close out my bank account before they get to it? I do not have anything else in my name. Can I negotiate a payment plan with them before the court date, or is it too late? If it is what will happen after the default judgement is passed against me? Can they go into or even freeze my husbands account if it is not a joint account? And last but not least can they garnish his wages? Please only serious answers and not smart alec's thank you.

2007-08-07 07:54:41 · 2 answers · asked by ebony_princss 2

I have 2 judgements on my credit report that aren't true. I am trying to clean up my credit without paying someone $700.00. Please help if you know anything about getting inquiries and other old accounts, and accounts that doesn't belong to me.

2007-08-07 07:34:35 · 8 answers · asked by La Sona J 1

exactly what title says..

2007-08-07 07:28:04 · 5 answers · asked by John W 1

2007-08-07 07:06:01 · 10 answers · asked by Jess 2

...from withdrawing money from my checking account? There was this free program i signed up for, and they gave me a 3 year membership without me knowing. i just discovered $40 dissapearing from my account monthly, and when i called them to find out why, they said i signed up for a 3yr membership(which i didn't) and i can't cancel it exept i move to an area where they don't have centers. so if i cancel my checking account and change banks will they stop withdrawing money from my account!!!!!!!!!!

PS. I don't own any credit card, will this hurt my credit history if i don't won a credit card?

2007-08-07 06:51:08 · 11 answers · asked by sunshine 1

My husband has been paying car loan almost a year with very high rate 20%.
He tried capital one but got denied. may be the credit is still not good..
Is that possible that I can be the co-applicant then he may have better chance to get refinance?
I only have part-time job, but I have very good credit.
Also, which place that we will have better chance to get refinance??
Thanks!!

2007-08-07 06:35:23 · 8 answers · asked by Elisa 1

I already have several credit cards. I want to lower the limit on one (which I have used for several years) from 13000 to maybe 3000 or 4000. Also I want to cancel a credit card (2500 limit) which I have never used. Will doing either of these things lower my credit score?

I am planning on doing this because I want to get a different credit card for home improvements (lower interest), and I want to make sure that I wont be denied because I have to much credit for how much I make. Obviously, if my credit score goes down... that wont bode well for this endeavor either.

Thanks in advance (and please only answer if you know what you are talking about)

2007-08-07 06:17:36 · 2 answers · asked by susanb14 2

2007-08-07 06:11:20 · 4 answers · asked by Anonymous

i don't have bank account nor a credit card
and now, i want to open a keybank student checking package, which includes a free student checking acc. and a no annual fee crdit card with 1 percent cash back. but since there's no keybank branch in nyc, i want to open another acc like hsbc or citi...will that hurt my credit score if i open 2 bank acc within a month or few weeks? and what about opening 2 credit cards within a month?

2007-08-07 05:18:46 · 5 answers · asked by iiashley 1

It's an auto loan (60or72months), car cost $9,995, i would put a $500 down payment on it, and i have very little credit, if any. does anyone have an guesstimation

2007-08-07 05:00:32 · 4 answers · asked by Anonymous

Ok, I asked this question already, but no one really answered it..I live in Georgia and I need a payday loan that does not require direct deposit..I know this isn't the way to go, but I have NO other choice, no relatives, nothing..so I would appreciate any help. I need to fill out an application online.

2007-08-07 04:59:55 · 7 answers · asked by Steven G 1

I started out with a Student Visa card, too easy to get, maxed it out when I needed it and paid it back over a period of a few months. The credit card company made money, that's for sure. Since I took a year off school the company changed my plan and it's due to expire. I haven't used it in a long time. I like the security and convienence of having a credit card for those just incase situations, but I live and work overseas, making it not so easy and don't claim an income. Should I go to the trouble of using my card in order to continue being able to have the card when I move back or do credit card companies usually just renew cards even if you don't use it more than once or twice a year and have like no claimable income?

2007-08-07 02:51:08 · 6 answers · asked by skunk pie 5

I was approved for a credit one bank credit card online. At the end of the application it said after your identity verification your card will be mailed to you. How do they verify my identity and when should I get the card? I tried going back on the website to check the card status and all it said was that your account or application had already been processed. Thanks.

2007-08-07 02:38:29 · 1 answers · asked by Anonymous

when i sign up it says address line 1. i put a fake one later on i registered my credit card visa and it said that they'll send me a code but i dont know where they'll send it and how ? i do not live in the US tho

Additional Details

6 minutes ago
why cant i just call payment center and tell them i made a mistake in my address line. i want to correct it by phone however,the address that i put was so unreal anyway theres no such a place as that place

2007-08-07 00:47:46 · 18 answers · asked by Anonymous

Like i said i got a credit card and its not activated. They have sent me a bill already for the credit card. I was wondering if i can cut it up since its not activated and do nothing about the bill. Any help would be appreciated.

2007-08-07 00:15:18 · 9 answers · asked by Pat B 1

when i sign up it says address line 1. i put a fake one later on i registered my credit card visa and it said that they'll send me a code but i dont know where they'll send it and how ? i do not live in the US tho

2007-08-07 00:10:59 · 3 answers · asked by Anonymous

2007-08-06 23:32:20 · 9 answers · asked by Anonymous

2007-08-06 21:24:38 · 5 answers · asked by Anonymous

... the collection agency said that I could settle the amount and pay a smaller amount owed than originally owed. The gave me a letter stating they would remove the account from my credit report. Would this be a smart thing to do?

2007-08-06 21:04:56 · 4 answers · asked by AKON-eisha 2

My friend, let's call him, "Ben" had gotten a title loan couple of years back on his Toyota. He made several payment, but could not keep up with the payments.

The loan company sent out repo people several times to his house, but it was at times when he wasn't there.

About a month after the repo guys started dropping by, Ben had to move to new place because his lease has expired. Ben, of course, did not inform title loan company.

It has been little over 3 years since that time and Ben still has the car. However, he has not been able to register it because the title loan company has their names on the title as co-owners and they would need to sign off on the form as well.

Now, he recently moved from CA to another state, job related.

Here is what Ben would like to know:

1. What would happen if he surrended the vehicle now?

2. Did Ben need to tell the loan company where the vehicle was when he realized the repo guys were coming around? Since it's been over 3 years, is there any legal remifications he needs to worry about?

3. Is there any way that he can register the vehicle without the loan title company signing off on it?

4. What happens if repo never finds Ben and Ben never lets them know where he is? He has never intentionally avoided them but he neither let them know where he was either.

5. Nothing regarding this vehicle (Amount owed or the repo) has appeared on his credit report. Do the repo guys have to physically repo the vehicle before anything appears on this credit report?

Any help is appreciated.

2007-08-06 19:52:44 · 5 answers · asked by Anonymous

I need to get a payday loan, its an emergency, and I dont really know anyone to borrow money from so what are some I can apply for online, that does them for the state of Georgia? Any help is appreciated.

2007-08-06 17:48:17 · 1 answers · asked by Steven G 1

I had an overdraft that went unpaid and was reported to check systems. I paid the debt in full, but I'm still unable to open a new checking account with any bank. What can I do?

2007-08-06 16:22:47 · 9 answers · asked by tex 1

The judge said she got the car in our division of property Feb. 2002 . I made car payments till May 2002 because my contact info was the only they had. My-ex and I didn't talk for those months, in may I got a hold of her and told her to start making the payment and never looked back, I guess she changed the contact info, the end result was the car got repo'ed. This affected my credit. I found out it was on my report in May 2003 and called wells fargo. They said they would remove the repo from my credit report and gave me a letter that states, account was paid in full after I gave them a check for over a grand. I was 20years old, would have did it different now. Now in 2007 the repo still stands and wells fargo says it's a valid repo and will continue being reported till 2008. Any way to fix this?

2007-08-06 16:01:04 · 9 answers · asked by steven s 2

Is that having too many credit accounts open and what not? Because I have 5, and I thought that was fine, so the limit to balance ratio could potentially be higher, therefore increasing my credit score.

Am I wrong?

I was told that.

Or does that mean something else?

Anyways, this is annoying becuase it's near impossible to know what's right and what's wrong. Everyone tells you a different thing.

Can you believe it's WRONG to go over 50% of your total allowed limit? THAT IS INSANE.

IF you're allowed $5000, you should be able to SPEND up to that amount. I really don't see why they'd penalize you for spending more than a certian percentage.

BALONEY!

This whole credit thing is a compilcated stupid game, that's all it is, and it's ridiculous. Absolutely ridiculous.

2007-08-06 15:32:46 · 6 answers · asked by Anonymous

I filed a chapter 13 in July 2002 and completed my 5 years of repayments in July 2007 and the case was discharged. I immediately got a bill from the state saying I still owe $900 in interest and penalties from tax year 2000. Do I really owe this? Are all of my other debts wiped away now?

2007-08-06 14:42:42 · 4 answers · asked by Be US, too 1

I have excellent credit and good credit score. I have bunches of credit cards, both store and visa, etc that I want to cancel. There are zero balances on all, haven't used them in years, and just want them off my credit report as "closed by customer's request" which shows they were not cancelled for any bad credit reason. Will this hurt my credit score?? I know if you have balances or delbt other places, it can hurt, but I have no debt and no balances on them. Thanks!

2007-08-06 14:25:41 · 5 answers · asked by barbara d 1

Two years ago my ex boyfriend borrowed my credit card to purchase a computer. After I finally broke up with him and have started dating someone else, he refuses to pay off the balance of what he owes. I'm not sure what I can do to make him pay! He kept the computer and refuses to put anything else towards paying it off. What legal action can I take against him, if any? I have records showing that he has made payments to me to pay off the part of the balance, so I can prove it wasn't a gift. There is over 1000$ left to be paid. Any ideas?

2007-08-06 13:19:59 · 21 answers · asked by secret_agent_name 2

ok so i ordered this bedset for school from macy's online on 7/31/07 and paid with a debit card. they shipped it on 8/3/07. when i go onto my online banking it shows that they have still not charged me for it and basically i am wondering when are they going to charge me? the debit card i used is for online stuff only so i never keep any money in it. i'm just waiting for them to take my money. i know it's a stupid question but i am just curious!

2007-08-06 13:06:39 · 5 answers · asked by Anonymous

I have a 500 score and am now stable enough to rebuild. What steps can i take? I'd appreciate help from anyone that knows what they're talking about. Thank you so much.

2007-08-06 12:45:40 · 5 answers · asked by robert a 1

My husband and I went on a trip last week and we returned late late Friday night/ very early Saturday morning. We found out later Saturday morning that my husband had lost his Visa Debit/Credit card. We called ASAP and the last place it was used at was a gas station late Friday night (where he lost it).
Now we had plenty in checking and some in savings and at our bank if you go over at all in checking, they automaticly transfer some from savings to checking. I went about an hour ago to check the account and realized we were over by a good bit and our savings is completely emptied.
Can someone use the card as credit even after it has been reported as lost????

2007-08-06 12:18:21 · 7 answers · asked by Siberian_Husky Lover 3