Credit - August 2007

Surely they can take court action, use collection agencies or threaten to send bailiffs to seize your assets, etc.

2007-08-28 23:40:17 · 10 answers · asked by El Dorado 1

2007-08-28 22:48:07 · 13 answers · asked by xxxyyyzzz 3

I have never taken a loan out and I'm kind of nervous seeing as I don't really know how to. What exactly do they do to check your credit? Will I need a co-signer? Do I just go into a bank and ask for a loan? What's a good credit score?

2007-08-28 21:29:41 · 6 answers · asked by Anonymous

Could anyone advice me how to avoid paying high interest rates for my credit cards. I've got two credit cards from Llyods TSB and HSBC and I have exceeded my credit limits.
Thank you.

2007-08-28 21:21:53 · 4 answers · asked by andy 2

Did find a site a few weeks ago, it was free to use and dealt with Insolvency...

2007-08-28 20:06:44 · 3 answers · asked by rhqman 2

I JUST turned 18.. and want a personal loan for porcelin vaneers. I just got credit so I dont think I can use my credit card cuz the vaneers are so expensive.. Is it possible to get a loan and do it that way.

2007-08-28 17:21:47 · 5 answers · asked by Anonymous

can credit card companies put a lien on our home? we will wholly own the place thanks

2007-08-28 16:44:06 · 6 answers · asked by Jared K 2

2007-08-28 16:32:57 · 4 answers · asked by looser 1

Will that affect my credit report, and will I be taxed?

2007-08-28 16:20:33 · 8 answers · asked by mirandahurtado@sbcglobal.net 1

What is a fica score and how do you improve your score?

2007-08-28 16:03:07 · 6 answers · asked by Big Joe 1

I want to get a cashier check or a money order from a Grocery store and I want to know that am I able to get it by usung my American Express card???Also if I can can you tell me where and how???

2007-08-28 15:23:00 · 5 answers · asked by kasra k 2

2007-08-28 15:17:06 · 8 answers · asked by Wandering in Texas 1

2007-08-28 15:03:32 · 7 answers · asked by done h 1

Does anyone know the credit card companies that use ONLY the TransUnion credit score?

2007-08-28 14:58:27 · 3 answers · asked by sprtsgrl1918 1

I am going line by line through my credit report as I hope to buy a house next year. I am confused about several things, one of which I will ask here :)

I have a credit card listed; here is what it says about it.
Date opened: 07/1998
Date Reported: 09/2000
Date of last activity: 10/1999
Current status: Pays as agreed
High Credit: $2,000
Credit limit: $0
Comments: Account closed at consumers request

From this information, should this have already been removed or should it be removed soon? Do I even want it to be removed as there is not bad information listed (except that I closed it).

I have another card on here with pretty much the same information except it was closed by the credit grantor although I did eventually pay it off. Should this be taken off after five years? Would I want it to be? Closed by the credit grantor is bad but is closed by the creditor bad...or neutral?

Thanks for your help! This stuff is very confusing : /

2007-08-28 14:45:22 · 4 answers · asked by kc 2

I have heard two conflicting ideas on building credit. I'm 21 with a steady income and a sizable savings (>$15,000) but little to no credit. My parents are co-signing on a bank credit card for me to help establish my credit. I have heard from a few people that it is better to maintain a small running balance (say between $10 and $50) on a card and make above the minimum payment and accrue some interest on that balance in order to increase your credit score, while others maintain it's better to pay it off in full each month. Does anyone have insight into these two methods, pros and cons of each, and which may be right or wrong. It would be worth it to spend a few dollars in interest payments every year if it would raise my credit score enough to save possibly 10's of thousands on a home loan in the future.

2007-08-28 14:37:53 · 8 answers · asked by Hey You 2

I went to the hospital a few months ago to have major surgery done on my hand. It was an emergency and I could not pay for it at the time, as I was not employed. I just barely started my new job. I have been getting calls from a debt collector telling me he "expects payment" by a certain date, and that people at the hospital were losing their jobs because of my debt. A lousy 700 bucks?! I find that hard to believe.
But my question is, what is the process that the debt collectors go through? I have no property for them to seize and nothing of any monetary value, no cash on hand, no bank account...What can this guy do to me?

2007-08-28 14:34:40 · 8 answers · asked by Stegosaurus 2

I will be a first time buyer.

2007-08-28 14:29:09 · 4 answers · asked by chris t 1

its paid off and appealed.

whats does appealed mean?

how can i get it removed from my report? its paid off?

2007-08-28 13:18:51 · 6 answers · asked by Anonymous

I am considering using Consolidated Credit Counseling Services, Inc. I would like to hear from people who have ACTUALLY used this service and if it worked or not. I don't want generic answers please.

2007-08-28 12:17:59 · 4 answers · asked by ? 3

I got a new credit card in the mail through an airline. I didn't know I was applying for a card, I thought I was joining the frequent flyer club.

I have not activated the card. I thought about keeping it in a drawer for emergencies, but the interest is outrageous, so I want to cancel it. If I call to cancel, will that show up on my report as a closed credit card account, or would it not show up at all because I never activated or used the card?

2007-08-28 12:04:49 · 10 answers · asked by Lele44 5

I have a vehicle under my name that I could not afford to pay since I already owned another vehicle I am currently using. My step dad and mother decided to help me out and take ownership except the car is still under my name. Recently they have been behind in car payments for the past 2 months. They are always on time except until now. I know paying on time looks good on your credit and paying late payments is bad. What can I do about this situation? I can't afford the vehicle and I don't want bad credit. Their credit is not all that great to transfer ownership to them. I'm afraid one day the company I am financing it with will one day repossesse the vehicle if this continues.Any suggestions? Anyone had gone through this and what happened in your situation? Thanks!

2007-08-28 12:02:01 · 3 answers · asked by Txgirl23 4

These dillholes let me go over and said if payment doesnt post today, the same day I got the overdue notice, I'll be charged $30!! What the hell are we paying all these regulators for?

2007-08-28 11:41:45 · 3 answers · asked by Richard P 2

2007-08-28 11:35:06 · 5 answers · asked by mac d 1

This is really starting to P*SS me off. I used the entire $2000 limit of my credit card a few months ago (little by little). I did get overdraft charges because I didn't know that the interest was so high. I've not used any more credit the past few months. Here are the past few months (someone please explain what's going on):

July -
Balance - $2042.73 ($42.73 over limit)
Min Payment - $52.00
Paid - $118
Interest - $40.65
Overlimit fee - $39.00
New Balance - $2007.38

August -
Balance - $2007.38 ($7.38 over)
Min Payment - $61.00
Paid - $145.00
Late Fee - $39.00 (1 day late)
Interest - $58.00
New Balance - $1999.34

September -
Balance - $1999.34
Min Payment - $118.00

WHAT THE H*LL IS GOING ON?!?!

Have my minimum payments increased because of the overdraft charges or what?

Why has my interest payment increased?

I'm 21; will I be 40 before I ever pay this off?

2007-08-28 11:34:18 · 4 answers · asked by Thinking 5

judgement was filed and granted out of my state.this was 4 years ago.i have never heard from collector or told about the judgement till i applied for loan from realator.he told me. should i contact collector or let sleeping dogs lie?

2007-08-28 11:22:13 · 8 answers · asked by rudy12 2

I am moving to canada and i want to know if my credit history will follow me there. i have good credit and i want to know if by any chance i miss a payment will i be followed to Canada? is credt international or not? Can anyone help me?

2007-08-28 10:56:48 · 2 answers · asked by King F 2

I have had debates on this one. i had a retail CC that went default and is out of the SOL. BUT, i was told that under the retail installment sales act, the SOL would be 4 years. Any input?

2007-08-28 10:43:51 · 1 answers · asked by Darrell H 1

I'm in chexsystems but my debt has been paid and I want to open a checking account with Citibank-has anyone been able to open a checking with Citibank being in chexsystems?

2007-08-28 09:38:20 · 4 answers · asked by K.C. 5

I brought a 2007 car six months ago. obviously, I owe more on the car, then it's actually worth. right now, i'm having financial problem on other things and i don't have time to worry about a car note. i wanted to know if it's possible for me to sell the car for what i got it for? i have no other choice but to sell it or get a voluntary reposession. what should i do? is it possible for me to sell the car?

2007-08-28 09:24:52 · 4 answers · asked by Anonymous