Credit - August 2007

We were looking for a site to order our credit report. We was told there was a site that you can go to to order it but every one of them need a credit card. Is there any out there that does not require one?

2007-08-28 09:17:48 · 4 answers · asked by Luvbuz01 5

I have often heard that since older accounts don't affect your score as much as newer ones, that paying off old debts that have been neglected will actually initially make your score worse since these bad debts become current due to recent activity. I know that paying these off will obviously help in the long term, but will the score actually get worse before it gets better? FYI...the particular debts are credit card debts that were either charged off or in the hands of collection agencies. Nothing has been paid on them in about 4-5 years (long story how it got to that point), but now I am ready to start catching up.

2007-08-28 09:08:36 · 6 answers · asked by Anonymous

I have heard that checking your credit score should be done seldomly as the amount of attempts on your acct can work against you. But say, you want to check to see if there is something on there you need to correct...? Is checking your credit score 1 time a year a bad or good idea?

2007-08-28 08:33:32 · 6 answers · asked by Remaining Optimistic 1

Our rating is in the 540s and want to get up to about 700. With a credit counselor our bills are timely and we want to get rid of the bad comments or at least look better on our report.

2007-08-28 08:24:42 · 4 answers · asked by exnavyman1964 2

My understanding is the negative information is only allowed to be reported on your credit report for 7 years. So since I completely stopped paying my credit cards last August "06" should all negative information regarding these account disappear from my credit report in August 2013? or Since the credit companies continue to report each month when does the auctual 7 years start, is it when you last made a payment at all or is it when it's transferred to collections, or is it when it's made a charge off, please help. Thank you.

2007-08-28 08:08:02 · 12 answers · asked by Mr and Mrs Doe 3

I paid for a procedure with my credit card and was refunded because they had overcharged. I am wondering in what form do I get the money back? Am I suppose to wait for a check to come in the mail, call them or what?

2007-08-28 08:04:02 · 8 answers · asked by MDuck06 2

Do I write the credit agency or do wait until they remove the debt from my credit report?

2007-08-28 08:00:16 · 8 answers · asked by tina 1

okay i dont want to seem like a dumb blonde here but im just trying to figure out if i have this right. I dont have good credit, i got approved for a 9,000 loan on a used car with a 21% interest rate. does that mean 21% of the 9000? am i going to end up paying $1,890 in interest?

2007-08-28 07:50:48 · 11 answers · asked by Anonymous

if you've been a victim of debit card fraud, how successful have you been in recovering your money? someone did this using my debit card number (about $150) and i'm not sure how long it will take to get my money back or if i will get it back at all. i cancelled the card and contacted my bank and everything but i'm just wondering how likely it is to get everything back.
agh, how do people even get this information? i rarely used this card number online...

2007-08-28 06:05:27 · 4 answers · asked by mystery girl 2

I am shortly moving abroad (to France) to live permanently, but I still have business interests in the UK.

If I am not resident in the UK, is it still possible for one of my creditors to sue me here?

How could the court papers be served to me if I'm no longer resident?

2007-08-28 05:58:52 · 1 answers · asked by James John 1

2007-08-28 05:55:34 · 3 answers · asked by Anonymous

My husband and I are interested in buying a home but we would like to consolidate our credit cards to make things easier. I heard this can damage our credit score, then we won't be able to buy a home when we are ready.

2007-08-28 05:47:34 · 5 answers · asked by Anonymous

My husband has 6 open.

I am thinking of closing the sub-prime ones he has because they charge monthly fees, and fees to use online bill-pay. He has had one called "Credit One Bank" for 12 months and I know they're going to hit up an annual fee soon. The credit limit is $250 on that one. It currently has $146 balance I was going to pay it in full and close. I just don't want this to hurt his credit. He has a 690 score. I just don't think the fees on some of these are worth it. The credit one they're card blows it's even falling apart and he never used it for anything. It seems like a bad company to be with they charge for online access, bill pay, monthly fee of $7, high interest rate, and low credit limit. His First Premier is terrible too but he's had them since early '05 and it helped build his credit so we won't close them.

First Premier - $200 (2005)
Capital One -$500 (2005)
WaMu -$1000 (2006)
Credit One -$250 (2006)
1st Savings -$300 (2006) x2 (he has 2 accts with them both same)

2007-08-28 05:11:45 · 12 answers · asked by VanillaRoses7 1

I'm looking for a second chance on repairing my credit and paying off some dept that i have.

2007-08-28 04:49:47 · 11 answers · asked by D 1

...if they haven't offer. The debt is a school loan and is about $1100. Thanks is advance.

2007-08-28 04:42:58 · 17 answers · asked by star 1

what is the lowest credit score to get a mortgage in illinois.. my score is 566 can i get a fha loan with this. And i am a first time home owner.

2007-08-28 04:36:29 · 8 answers · asked by confused 2

I'm 13, and I want really badly a credit or debit card. I wanted to know if I could get one at my age, if it's connected to an adults account, with my name on it, and my signature. I know that you can get a gift card like Simon GiftCard or American Express where you can you it anywhere

2007-08-28 04:33:48 · 6 answers · asked by Britt 4

I'm trying to buy a house and i want to get a mortgage through a good reputable credit union. However, i'm not a member of any special group. do you know of any good credit union for mortgage that accepts members through donation. In other words, some credit union will accept you as a member once you've joined one of their affiliated groups through donations. for instance, you can make a donation to a library which will qualify you for the library membership which in turns gets you elligible to join the underline credit union. Do you know of any?

Please help
Thanks

2007-08-28 04:26:56 · 2 answers · asked by progress 2

to settle a debt for less? how about before they sue you? and do they let you know before they take action to sue or do they just do it?

2007-08-28 04:20:29 · 7 answers · asked by star 1

2007-08-28 04:11:56 · 9 answers · asked by Jessica t 2

3 1/2 years ago, we got "digital cable", and didn't like it, nor the cost. The cable company told us to give back the cable box, so we arranged a time for them to pick it up and left the cable box on the doorstep, which was picked up. We opted for regular cable, and was billed for the next 3 1/2 years like nothing was wrong, or that we owed any money for this box.

We just recently canceled our cable, and now our cable company says they never picked up our cable box, and that we owe them $200. Remember, this is 3 1/2 years after we supposedly had this box. I've called them probably five times now, and someone says they'll have a manager call me back, that never happens. I've even gone in person to the local business office, spoke with someone, where I was promised again to have someone call me back about this, still no call back.

I'm out of ideas, and now I have a collection agency on my case for the $$. How can I "make some noise" so someone can fix this problem?

Thanks!

2007-08-28 03:10:11 · 6 answers · asked by It's the hair 5

And also do they have the same rights as far as
a debt collector trying to get debt vs a debt purchaser???

2007-08-28 02:59:52 · 5 answers · asked by STARS 3

2007-08-28 01:41:38 · 9 answers · asked by Anonymous

2007-08-27 23:54:03 · 9 answers · asked by Anonymous

redirection address to trace you? If not what other methods; electoral register, credit file, benefits etc...?

2007-08-27 21:33:33 · 6 answers · asked by Anonymous

do i have to call chase and cancel it? is it even valid yet because i have not activated it?

because i have not activated it yet can i just leave it alone and cut it up? or do i have to call chase still?

2007-08-27 19:36:26 · 5 answers · asked by JAY D 1

i'm being charged $390 a month for child support right, i just got a new job that only pays $9 dollars an hour. i realize when you have a child you have responsibility but is there any way i can do something bout the high payments? why do some people pay $200 hundered a month and some pay $390?

2007-08-27 18:59:54 · 6 answers · asked by moejoefree7 2

I was trying to buy Ice cream for my kids and I wanted to use my Amex Clear card I just got, but the Lady at the place said they didn't accept Amex, so I took out my MC, and paid it like that, does anyone know why sometimes they don't accept them?? thanks!!!

2007-08-27 17:32:30 · 8 answers · asked by Anonymous

2007-08-27 17:12:44 · 2 answers · asked by bala krishnan n 1

2007-08-27 17:11:07 · 3 answers · asked by divesh j 1