Credit - August 2007

I cannot find one reason people use credit cards instead of just paying cash. It appears to me that it is just playing with snakes, and even incentive cards have high interest rates and outrageous fees.

2007-08-03 05:05:48 · 6 answers · asked by KMack 2

2007-08-03 04:17:08 · 22 answers · asked by imololo 1

what happen i owe £70000 visa card and bank loan,
but i will move to new place. no register council tax..

2007-08-03 03:33:02 · 19 answers · asked by chi h 1

Well, i'm new to having credit cards.
I just wanna know what happens. Does this make my credit history good or what?

Thanks,
Cloud

2007-08-03 02:42:14 · 11 answers · asked by Jigglypuff 2

I need to know if I can get a payday loan the same day? Is there a payday loan company that will do everything online, without employment verification etc...? I have had overdrafts, can I still get a payday loan? I have tried some places but get denied. I am thinking it's because of the overdrafts. However my checks never got sent back to the merchant they were all paid by my bank. Will using a no teletrack increase my chances?
I need a small loan 500.00 to get by and my credit is bad. I don't really have anyone to turn to in terms of borrowing money at this time such as family or friends. I would appreciate any help that can be given. Thank you

2007-08-03 02:25:13 · 7 answers · asked by Anonymous

Just trying to rebuild my credit, my student loan is almost paid and i'm getting a small personal loan as a substitute. I have 2 credit cards that i'm paying in full every month.

2007-08-02 23:02:42 · 6 answers · asked by Dennis L 1

Ok. my daughter is 16 and the guy she was talking to is 18. They live over 500 miles from each other. She use to talk to him daily on the phone & computer. I use to talk to him to sometimes and all of a sudden she has not heard from him in over 2 months. How do I find out what really happened to this kid from Kingman, Arizona, his phone number is disconnected and he has not been online for just as long. I just want to know what happened to him, like if he was put in jail, this is very strange.

2007-08-02 17:57:40 · 10 answers · asked by escape 3

I have a couple things on my credit report that are about 200 bucks each. People have told me to get in touch with the collection people and ask them to send me a letter that will say that they will either remove it from my report or they will mark it as paid. After talking with all the people, they won't do that. They say "we promise we will do that". I know that you can't trust them and I'm worried that even though we have settled on a lower payment, but without putting it on paper, I know that they will leave it on my report and demand the rest before removing it. What is the best way remedy this? Any suggestions? I'm not looking for a service to do this for me, so please no advertisements.

2007-08-02 15:04:32 · 5 answers · asked by navydave1974 2

however, i had verizon before and they ended up closing my account because i wasnt able to pay my bills for a few months but i payed it all off now.

2007-08-02 14:39:48 · 4 answers · asked by Anonymous

2007-08-02 14:18:14 · 10 answers · asked by Anonymous

I have a few credit cards for stores such as PacSun, Express, Target, and Lucky Brand Jeans, but I am pretty smart about using them, and I don't use them too much. I am kind of new to credit cards...

Is there usually a monthly or annual fee for these types of stores? Let's say I rarely use one of my cards, or I don't use it at all, would I still be charged at all? Even if the fee isn't too much, I would like to know.

To be more clear, do I have to pay $12 (or whatever the fee costs) every month or year just to have the card?

2007-08-02 14:13:23 · 7 answers · asked by Anonymous

My credit report shows "public record items"? Is that like an unpaid debt or?

2007-08-02 14:09:38 · 5 answers · asked by Greg 3

I have recently got a Credit Check from Transunion and my Credit score is almost 700 but my creditworthiness is Poor
So what can I do to make my creditworthiness better or should I even worry?

2007-08-02 13:22:45 · 4 answers · asked by ? 2

I am recieving calls from a collection agency in Ohio, the debt is 15 years old. They called me 2 weeks ago and i have yet to recieve anything in writing from them. They called me today and i stated I have still not recieved a letter from them and they told me to become a man and pay my bills, and to stop stalling by waiting on a letter. Please help.

2007-08-02 13:20:32 · 7 answers · asked by Joe J 1

I applied for a Chase credit card. I gave them all my info. Couple days later they called to verify my identity and a few days later i received a letter stating that I need to send them a copy of my social security. Is that normal? And did anybody else have that?

2007-08-02 13:07:13 · 8 answers · asked by Jane789 1

2006. Is it too late to contact Visa regarding removing the charge from my account I still have the same VISA accoutn with the same bank.

2007-08-02 13:06:56 · 2 answers · asked by greenfrogs 7

I have excellent credit but I missed paying one Credit Card by a few days and just because of this my interest rate went from 9% to 30% because of it.

I cannot afford the Credit Card Payment now because it made it go to like $400 a month and I don't even get paid that a week and I wouldn't want to have to pay that towards high interest anyhow.

I don't want to file for bankruptcy because of 1 card. If anyone can recommend an excellent credit card and the phone # for balance transfers at like 0% and any other advice, I am open to reading all responses. I can't sleep because of this.

2007-08-02 12:53:22 · 9 answers · asked by Marie Q 2

im assuming that my soon to be ex is just behind on his payments but what if he continues to pay every month after that?

2007-08-02 12:04:01 · 2 answers · asked by ineedtoknow! 1

Just afraid without a contract maybe there are more surprise coming. Please advise. Thank you all.

2007-08-02 11:26:10 · 1 answers · asked by dou89 1

i heard if i join say my dad's credit card, i get his credit score and his credit limit. how exactly does this work and once i get his score and credit limit, that becomes my current score and i can build on that?

2007-08-02 10:59:09 · 6 answers · asked by dabo 1

Trying to get to 650....

2007-08-02 10:39:03 · 4 answers · asked by Tre Day 1

If I am added to my grandmother's Jcpenny card that that is in good standing as a joint user? Will this increase my score. I need a 50 point increase in my score to get a home loan. My goal is November. I've already raised my score 64 points this year. I just need that next boost! Please help.

2007-08-02 10:30:59 · 6 answers · asked by curious1 1

I have no credit but was issued a credit card through my work (I'm a cashier at a department store) in order to receive my 20% discount on the merchandise I buy. My credit limit is $100 and I went over by $3.94 this month. Will this hurt my credit and will there be a fee? Also how long do I have to wait to request that my credit limit be increased? $100 is such a small amount and with the paychecks I earn, I can surely afford to spend more than that.

2007-08-02 10:04:38 · 9 answers · asked by Desiree 5

I need actual sources if possible. Thanks

2007-08-02 09:56:15 · 9 answers · asked by Lisa 2

IF YOU WANNA HEAR THE STORY READ ON...
(ITS BORING)
IF YOU HAVE AN ANSWER... YOU KNOW WHAT TO DO......

first i made a deposit for $140 and then i made a $123 payment last night.

The payment was for a moneygram, there it says "payment will be processed in 2-3 days". it even shows both the deposit and the PAYMENT are PENDING.
this account had $7 before the deposit. then it showed $147 (pending) and $7 available. which is fine.

but now my account is -$16.94

I figured that was temporary until the dep. and the payment went through.
I called and it turns out its not temporary. I got pissed, bastards hung up on me, i called back more pissed, (BUT POLITE) a second time & told em what happened, eventually i asked to speak to a "superior" and they left me on hold for 40min....
bank closes before I get off work...

2007-08-02 09:33:06 · 5 answers · asked by øº°DK°ºø 2

I have a entry on my credit report which says FIRST CHARGE FI. Anyone knows what it is or who the creditor is?

Its a small amount and the condition says Derogatory.
I am disputing other accounts, so I might as well know who this company is now.

2007-08-02 09:26:31 · 1 answers · asked by callsahil 1

I have about $18,000 dollars worth of bad credit showing on my credit report. I am trying to build my score up as quickly as I can, and am about to have about $9,000 in hand to clear up some of that old debt.

Is your credit score based on the dollar value of your debt, or the number of individual debts reporting to the credit bureaus?

Thing is, I'm not familiar with what consitutes the figuring of a credit score. You see, out of the $18,000 of debt, only 3 of the individual debts exceed $2000 (one repossession alone that is around $8,000). In order to build my credit score up faster, is it better for me to take the $9,000 and pay off the smaller debts, or should I try to pay the bigger debts off first?

2007-08-02 09:08:52 · 8 answers · asked by Scott W 2

2007-08-02 09:07:14 · 3 answers · asked by mophatta007 1

2007-08-02 08:56:16 · 5 answers · asked by Lawanda R 1

I have read numerous sites that ALWAYS talk about how easy it is to do, but I have never actually heard a person get an item removed that is a real life person -- So has anyone had this done before b/c I have about 4 items I would like removed that I need to either negotiate them to get removed or just settle with the paid in full which doesnt really help out at all.

2007-08-02 08:52:38 · 3 answers · asked by Anonymous