Credit - August 2007

plus i am paying off most of my back bills

2007-08-04 02:27:43 · 2 answers · asked by chucky 1

I ordered a Cd from them today. I picked the option of sending a check/money order in when the CD arrives. Would it be faster if I used a credit card? Or would it make a difference?

2007-08-04 02:15:43 · 2 answers · asked by Anonymous

i do not know which credit card i should get i want to pay low APR. a credit card that i am looking at has no annual fee and the APR is 10%, the other credit card i am looking at has an annual fee of $95 but no APR. which one is better?

2007-08-04 02:09:17 · 6 answers · asked by sweetcandy 1

I have a suspicion that FICO scores were designed not only to determine creditworthiness, but to determine if you are a good customer that the credit card company will make money on.

In my example, I have a history of opening cards, using them once, and cancelling them. I do this to get 10% off something, or 20,000 frequent flyer miles, or other freebies. My credit report is the size of a small novel. A lot of times, I do it to the same credit card company more than once.

However, in the past decade, I have never had a late payment or adverse report. My credit report is the size of a russian novel, but everything is clean. My debt ratios are low.

Because of this, my credit score will probably never be above the mid-700s, which isn't bad enough to make me stop my behavior, but it pisses me off that I'm being dinged for stuff that has nothing to do with creditworhiness.

2007-08-04 00:03:05 · 4 answers · asked by great_and_mighty_adam_levine 4

If they're in jail/prison--how are they going to pay, then?

2007-08-03 17:46:23 · 12 answers · asked by Holiday Magic 7

The hospital claimed that I owed them money but never really sent me a bill. They were also told the truth, don't bill me because my mom is responsible for my bills. I see that they have put a mark on my credit. I want to dispute this. I wrote the FTC and filed a complaint against them. Is it possible to get this taken off my credit? How do I find out my credit SCORE for free? This is driving me crazy? Does the majority of the public have a perfect score or what is the normal score? I don't just want a free report, I want the score.

2007-08-03 17:36:34 · 5 answers · asked by kkecs07 1

I need to refinance my house but my credit score is 525. I need it at 580 minimum to be able to refi with a good rate and get cash out. Does anyone know how to get a score up that much in a short amount of time. I know I owe about $400.00 on credit cards and I have some lates on there. I am going to pay the credit cards off, but does anyone know how I can get that score up within 2-3 mths or so?

2007-08-03 16:19:29 · 9 answers · asked by WENDY D 2

where and how i can find out my credit score and yessss i have already tried freecreditreport.com and its a rip off you have to pay so if anyone know let me know

2007-08-03 15:28:02 · 3 answers · asked by Anonymous

I'm 23 with good credit so far and I don't want to screw it up. I'm very responsible with my bills but I was out of work for a month and I got really behind with my rent, car payments, insurance, cell phone... etc. that I only was paying the minimum amount due. I have a loan and another credit card that has the whole "NO PAYMENTS FOR 6 MONTHS" (then the interest is super high) and I haven't paid a dime on them and the time is coming. I was wondering if I could use my store credit card to pay those 2 bills off. I would rather pay the lower interest rate on 1 card verses all three. Is this possible and how would I go about doing that? I have a low cash advance amount on my card otherwse I would just withdrawl it from an atm and put it in my bank account. Somebody please help!

2007-08-03 14:33:18 · 4 answers · asked by xojanelleox 2

i wanted to see my score, but if its not really ganna be free or hassle-free then no

2007-08-03 14:11:20 · 7 answers · asked by AndBabymakes4 3

I got notification from credit card issuer that my credit card was canceled due to inactivity. I have not use the card for more than a year. I would like to know if this cacelation will have impact on my credit score. ...Thanks!

2007-08-03 12:45:34 · 8 answers · asked by Beer Can 1

I'm about to start looking for a new vehicle and also a new apartment. I've heard that when your credit report is looked up, this brings it down. I may be dumb for asking this question, but I'm probably about to have it checked several times within the next few days. It's already low enough, so I just want to make sure if this is true or not.

2007-08-03 11:49:26 · 7 answers · asked by anonymous 1

My credit card balance is $103.94 and I made a payment of $51.97. The interest rate on my account is 24.45%. How much will my balance be next month once the interest is figured in? Explain in detail how you calculate interest.

2007-08-03 11:46:43 · 4 answers · asked by Desiree 5

if the debts are hospital bills?

2007-08-03 11:32:19 · 6 answers · asked by Shisuren 2

I had my car repossed years ago. I got my vehicle out of impound and paid the balance of the car loan off, this was approximately in January of 02'. The car is completey paid off how do i get the ding of the repo off my report??

2007-08-03 11:22:52 · 5 answers · asked by ms.fabulous 1

Can any one confirm the following:

HIPAA laws, when the original medical provider is paid in full, they must recall the account from the collectors and request that the collectors remove everything in their files and on your credit report concerning the account.

I would need the statue if possible. Any help would be great thanks.

2007-08-03 11:16:09 · 6 answers · asked by Anonymous

I have a court date on the 14th of this month. I thought they would just write this amount off but was served with court papers today. Any suggestions or advice would be greatly appreciated... THANKS!

2007-08-03 10:36:51 · 13 answers · asked by rgcanes 2

I don't have any credit, no credit card nothing! So i went to that free credit report to see what it says about me but on one of the companies (equifax) it said that i possibly have a security freeze. what does that mean? I don't even have any credit!

2007-08-03 10:26:22 · 2 answers · asked by Anonymous

ebay or other places like that i dont just wabt to give my credit card information to anyplace

2007-08-03 10:07:55 · 2 answers · asked by Shi S 1

My wife and I are wondering how we should deal with each of our individual credit accounts. For ease of financial management we would like to reduce/consolidate credit lines. However, we understand closing credit lines could adversely impact our credit ratings. We don't want to do anything to reduce our individual ratings (both of us have credit ratings in the low 800).

2007-08-03 09:59:16 · 7 answers · asked by STEPHEN M 1

I'm going to be a fresman in college and I want to get a student credit card for emergency things. i'm not going to go wacko with it, i'm really good with money. Anyway I was supposedly pre approved for this discover student credit card, but i got a letter in the mail which said i wasn't. Anyway, are there any reliable credit cards out there that i can get even if i don't or never had a job???

2007-08-03 09:28:23 · 7 answers · asked by music.lover 2

i have recieved my credit file for the first time in my life and found no ccj's or anything like that but have found searches from as far back as 2002. nothing on there says iv'e missed a bill etc but i still have a very poor credit score. is it the searches that are affecting my score?

2007-08-03 09:03:38 · 9 answers · asked by Anonymous

account how do I imporve my credit rating? it was a lng time ago and they closed my account at Lloyds TSB, but my credit raing is still bad

2007-08-03 08:30:08 · 12 answers · asked by nachomanhulk 1

Without her permission, a collection agency harassed my wife's parents, threatening legal action against my wife and discussing her debt issues with them. After then being told not to talk to them, they continued to call her parents about it.
We have no recorded conversations or messages, just the testimony of her two parents.
We are now being sued for the credit card debt, could we counter with legal action of our own?

2007-08-03 08:27:23 · 5 answers · asked by jumbo lopez 1

I have been in the payday loan crunch for several years now and trying to get out of the trap,need advice on what kind of a loan i can get to totally get rid of this payday disease,it seems to consume my check and then some,I already work full time and considering getting a 2nd job to stop this trap that won't let me go..PLEASE Help .Thank You

2007-08-03 07:53:34 · 10 answers · asked by Bluerose005 1

I deposited a check on wednesday and they wont give me the money until the check cleared. When is the earliest it will clear?? I called the bank today at 12 and it hadnt cleared... should I call back before the bank closes and see or just wait until monday?? I really really need the money

2007-08-03 07:03:48 · 6 answers · asked by Lindsay B 1

im trying to open a sears card for my wife.i tried opening other creidit cards but they say the same things.
they say she has insufficient credit,,
she never opened a credit card r any thing
she only has saving account

2007-08-03 06:29:13 · 3 answers · asked by asleei 1

I heard several years back that if a store took a charge card they must take it for all amounts. yet I was just shopping at a store and they made me spend over five dollars to use my card. I don't know where to find data on this but would like to file a complaint to have them alter their policy. any ideas?

2007-08-03 06:29:08 · 13 answers · asked by amy-marie r 3

2007-08-03 06:17:07 · 2 answers · asked by Anonymous

Ok, I got my credit report on 07-19-07, and there was a charge-off on the Experian credit report that was over seven years expired (From 1999). I saw that there was an inquiry from a debt collection agency on 07-21-07. Then I got a notice from the debt collector that made the inquiry (Dated 07-22-07) saying that I owed on that charge-off and to respond within 30 days or we will assume that the debt is valid and that I owe on it. Finally, on 08-03-07, I checked my credit report again, this time I saw all 3 companies report and the charge-off was NOT on the Experian report anymore but it was on the other 2 reports and it also shows that the debt collector used only Experian to inquire about the debt. My questions are: Does this debt collector have the right to collect on this debt since it got removed from the experian report? How should I respond to the debt collectors notice? How can I have the same record removed from the other 2 reporting agencies?

Thanks,
worried,
Repair Guy

2007-08-03 06:11:01 · 9 answers · asked by Repair Guy 1