Credit - August 2007

2007-08-02 08:29:48 · 19 answers · asked by ? 1

Just starting off trying to develope credit to buy a house in the near future, already have a payed off car. So there is no sence in getting a new one to establish credit. Therfore im going to try to do it by credit cards.

So im just trying to come accross the guidlines of how to do that.

2007-08-02 08:27:50 · 5 answers · asked by ltmac85 1

I have a couple of cards: Capital One, Bank of America, Best Buy Store Card, Best Buy Mastercard, and a Guitar Center Card. Of them all after I pay the balance, I'd like to get rid of my Capital One card (hate it and at 22.80% interest) and the Best Buy MasterCard. All the others I wish to keep. Will this have a huge impact on my credit score ? I've had my capital one card for nearly 2 years now and I've have my Best Buy Master Card for about 3 months and I'm almost done with payments on the Best Buy card.

2007-08-02 08:19:34 · 12 answers · asked by Jamaal E 3

When you are so behind on a home loan you dont want to file for bankruptsy and you are on the berge of getting a pay check how can you negotiate with the bank who do you talk to in order to get a few weeks to work out the problem and you are behind 3 months??? is there a way out when your credit cards are max out and you have no resources?

2007-08-02 08:08:50 · 3 answers · asked by wilwireless 1

I have a 30 year adjustable home mortage. I have paid on this loan for 24 years. I have 6 years to go and only owe $13,500 on the loan now. Adjustable rates are on the rise and I am on a fixed income with perfect credit. I don't know a lot about refinacing. Is it worth refinacing for just $13,500?

2007-08-02 07:49:46 · 9 answers · asked by pattypat999 3

My husband and I want a loan for $50,000 for investing purposes but have bad credit. Is there anybody that ever got a loan with bad credit for a large amount of income. No Scams. Please. Only legit companies.
Thanks for your help.

2007-08-02 06:57:15 · 9 answers · asked by Anonymous

I was checking my credit report and noticed a debt for $9000.00, the original balance for $5500.00 that was in collection from Sears from 2003. In 2003 I was paying off the debt even though it was 120 days past due. At that time the statements stopped coming and I inquired to Sears about it and the said that they had no knowledge of the account.

I never received anything for a collection agent concerning the debt. My credit report does say that this debt will stop being reported in November of 2009. What does that mean?

Now I have a bad stain on my credit and was wondering how to deal with this.

2007-08-02 06:50:06 · 3 answers · asked by Ralelen 2

i have a visa and my grandmother told me that i have to wait and keep paying the bill before the card company puts money on it but i want more money now! is there a way were i can transfer money from my savings account into the credit card or something!!!!!! lol the first day of school is right around the corner so i spend alota money in hollster in american eagle lol i have a reputation to live up to! i had 500 bucks on that card but i have 3,000 dollars in my savings! i really want more money on that card! is there a way

2007-08-02 05:01:58 · 4 answers · asked by Smoke W 2

i got all 3 of my credit reports, how come they all don't have the same accounts on them. 1 has 3 accounts and the other 2 only have 2 accounts. don't they all have to say the same thing? and what if they don't? can i ignor that one account since it is not on all three?

2007-08-02 04:41:52 · 5 answers · asked by Sky 2

2007-08-02 02:23:49 · 9 answers · asked by ItsMeeh2250 6

I am currently reviewing my credit reports for accuracy. There was a collection account that was paid off in 2006. I did not and still do not recall what this collection account was for. I filed a dispute with the experian credit bureau. Experian said that the account was valid. The collection says midland. After i disputed this account with experian midland marked the account as being derogatory in april of 2007 and said the account was ok as of may 2007. This is hurting my credit report because it looks like the collection account is current. Also i sent a letter to midland requesting all the pertinent information for this account. Midland has failed to comply with my request. How much time should i give them to respond. I have a letter from midland stating that the account was paid off in 2006 so there is no way that it can be derogatory in april 2007 and then good in may 2007 I only paid the collection because i confused it with a different account Can i file a lawsuit against them

2007-08-01 19:46:08 · 5 answers · asked by 11 1

If someone is declaring bankruptcy, they have no money to pay their bills. So how does the system expect the person to payback a massive student loan (ie. $53,000.00)

2007-08-01 18:03:18 · 11 answers · asked by mprush12 2

just for some extra money while id be working to pay off the loan. i dont need a million reasons why i shouldnt get a loan. my question is. is it even possible to get a loan for that kind of money if i dont neccesarily have a reason for the loan? nad ive never had a credit card before? my family is kinda broke now and some extra money would be much helpfull

2007-08-01 17:55:24 · 3 answers · asked by Anonymous

Thinking about entering the banking industry. All feedback appreciated, thank you.

2007-08-01 16:13:43 · 3 answers · asked by sagesk8r 2

I work for a company in which I try to keep people from leaving the membership. Many of my callers are unhappy because they didn't remember signing up. My boss thinks that I am not pushy enough, and I do not keep many from leaving. I am trying to keep my job, however I really do not know how to keep people from cancelling this. What would you do? What could someone say to keep you from cancelling? Is your mind already made up? I am not in the bussiness to lie, cheat or steal from anyone and know that this prodoct and company are legit.

2007-08-01 15:23:07 · 5 answers · asked by Ivy 4

Can dell legally garnish wages of $2,000? If not what is the minimum legal amount a company can garnish your wages for? Also I checked my credit report and it said that my account with Dell was a charge off account.

2007-08-01 15:02:49 · 5 answers · asked by Rosebud 2

2007-08-01 14:35:13 · 1 answers · asked by Anonymous

Do you contact any organizations or is it better to just ride it out? I've heard that if you contact the collection agencies after a certain amount of time that it "resets" the clock in terms of how long they can harass you for. I'd prefer personal experiences rather than negative insults or judgements. I know I screwed up and I'm trying to fix it, thank you.

2007-08-01 14:16:43 · 5 answers · asked by Kal-EL 2

Who can legally garnish your wages? I asks this because I have been getting calls from a company called Oxford Management Services and they said that if I didn't pay my Dell computer loan IN FULL and fast that they would get lawyers involved,they would garnish my wages along with me paying the attorney fees and put a lien on my house. Can they do this?

2007-08-01 13:55:14 · 20 answers · asked by Rosebud 2

Are these things a gimmick....or not. I have a summer job, but heading into college a year from now it'd be nice to have some extra money set aside for a laptop. I never know what school stuff I'll have to spend unexpected money on. Also, the money seems pretty straightforward, or is it all a waste of time? I also don't have paypal, and I'm not 18 yet. Should I try out the whole survey thing?

2007-08-01 13:48:12 · 4 answers · asked by infusionismusic 2

2007-08-01 13:46:32 · 6 answers · asked by Anonymous

i have one credit card that is maxed and Im having a hard time paying the min payment. ive already consolodated the best I can....I have another card that has quite a bit of limit left and my payments are low. if I get behind on my payments on my first card, will they cancel my second card, even though its two different companies?

2007-08-01 13:32:25 · 10 answers · asked by Anonymous

2007-08-01 12:28:34 · 5 answers · asked by b.sewrose 1

Back then, when you had a credit card and paid on time, credit card company would be nice to you and wanted your business. Now, it doesn't matter how long you've been with them, if you're not profitable, I mean if you don't use the card often and carry the balance from month to month, credit card companies treat you like dirt.
Everyone has credit card nowaday. Back then it was a priviledge to have a card. Now they hand them out like candies and as soon as you don't make money for them, they will drop you like a hot potato. You can have a great credit score but that doesn't mean you have a good interest rate. I've seen people who have way over 700 score still get a 14% because they never carried the balance.

2007-08-01 12:12:38 · 3 answers · asked by Connie 3

2007-08-01 11:36:21 · 5 answers · asked by Ceci 1

2007-08-01 11:24:26 · 17 answers · asked by PW 2

I recently received a letter from a collection firm. stating that i owe money for phone services that were established on my name in Florida and the reference address they have on file , the address that i never lived at. But they dio have my SS#. I honestly think that it was a fraud, maybe my ex did it. I dont know, i did put alert on my credit just in case.And checked my credit report to see if there is anything unussual going on. And everything is fine. So now i told them that it looks like a fraud, and I also said taht what they have is not valid because iots over 7 years old. So they said that it cant go on on my credit report and but they can still collect the money??????? Can they? My question is if i send back a fraud paper work, will it be considered as new open dept?

2007-08-01 11:11:22 · 4 answers · asked by virgo_11214 2

2007-08-01 11:08:38 · 9 answers · asked by PW 2

Lets say I buy items for £25 using credit card and take £50 as cashback on same card from any store which provide cash back facility, do they consider as a single transaction of £75 or two transaction 1. Shopping for £25 , 2. Cash withdrawl of £50. If they consider a single transaction, its intrest free untill my due date otherwise £50 would be considered as cash taken from ATM. I do not know answer yet and thats why its here.

2007-08-01 11:04:53 · 12 answers · asked by Yahoo!Amit 2

my score is 550,i have never purchased anything in my name, Ihave no realestate on the report. or credit cards,late payments,or a car loan. My wifes score,is 629, we own our house paid cash,on our third durango through chrysler(never late in 6 years at 730.00amonth) 3 credit cards, 2 with 2000.00 limits, zero balances. 1 with 1000.00 limit, zero balance. sams card 1000.00 limit zero balance and 5 closed at our request never late local retail cards. cingular 4 years never late. now my question is, what is wrong with this picture? oh,i make around 45,000.00 yr. and credit report says we only use 2% of our available credit. when I go to build my final home in 2008, I'm going to be asking for a builders loan, and they say you score has to be high, or you'll need alot of money down. I'm going to sell my current house, but not untill my new one is finished. i don't think lenders are out to help us, do you great people have any answers that will help?? I HAVE TO GET THIS SCORE UP

2007-08-01 10:17:14 · 7 answers · asked by d kent 2