Credit - August 2007

If you had a person get a hold of your credit card number, try to use it to purchase over seven hundred dollars worth of merchandise from four different stores online; but were able to catch it and cancel the card and cancel the purchases. Would you go through the fraud department of the local police or chalk it up to -- feeling glad i caught it but also makes me more aware or ? i cancelled the card number, so it cannot be used anymore. I would like to know how she got the info and why....

2007-08-27 16:21:56 · 4 answers · asked by WILDFIREJOANN 3

what does this mean has it been sold to a collection agency. will them continuing to report it KD keep it on my report forever

2007-08-27 16:08:17 · 3 answers · asked by Jessica t 2

They want me to send my personal information thru regular mail so they could send my credit record and score. Does anybody knows why.

2007-08-27 16:04:31 · 4 answers · asked by Jaime B 1

I understand majority of AMEX cards ask for high standards for qualification. So is having an AMEX card similar to owning a Mercedes or Lexus versus a Chase or Bank of America credit card?

2007-08-27 15:56:46 · 3 answers · asked by pmy2k4 1

My husband was injured at work before we were married nearly 6 years ago. His boss took of safety measures on machines to maximize efficiency and create injuries. My husband has his left hand almost torn off. Within a few months later, the guys skipped town. And, with many surgeries later, there is over 30,000 dollars in debt. They wanted my husband to pay despite it being a workers compensation claim, but the employer had NO INSURANCE. We FINALLY found the boss about 9 months ago. We won the case against him in the workers compensation claim. I presented it to all of the debtors I had calling and writing. They stopped calling, and writing. I was hoping it was over, but I am still afraid that something will happen. Can they still come after us, if we have a judgement saying that ALL BILLS are to be paid by the former employer? It even lists out all of the companies and bills. This is just for peace of mind. Please help!

2007-08-27 15:54:45 · 6 answers · asked by Shannon H 1

2007-08-27 15:13:54 · 3 answers · asked by sunshinegirl 1

I am looking for The SOL on Credit cards debts in NC. I know it is 3 years. Where is it in the NC Gen Statutes?
I have looked forever. Thanks!!!

2007-08-27 15:07:43 · 2 answers · asked by Darrell H 1

I recieved my credit statement and don't recognize a name on it. I'm not sure if it is a store i purchased something from and just showed up different on the statement. I would like to know if anyone has heard of a store called millennium in cincinnati or anyone who would know a way to check.

2007-08-27 15:05:14 · 7 answers · asked by lilsweetyoh 1

I live in Texas now but have some collections from california. the oldest one is from 2001. i checked on suze ormans site and according to the statue of limitations for california they have 4 years for written and 2 years oral for credit cards. My question is that if those statues are correct and the collections I have on my report have no activity since 2001 to 2003 can the creditors still try and collect on them. and should I just leave them alone and not pay and let them drop off.? Shouldn't they drop off after 7 years or before?

2007-08-27 14:49:22 · 4 answers · asked by donny8361 2

I just got approved for a :::Drum roll:::: very fancy, high scale...... HOME depot caaaaaaaaard. yayyyyyyyy. :eye roll:

Anyways, I have a whole bunch of credit cards, and this card came in the mail with like an 8G balance. Will having this card help my credit score at alll?

I thought that the MORE credit you have, and the higher the TOTAL allowed amount you have, the higher your score will be?


Someone tell me the right answer, and no assumption bs, b/c I have one side of people telling me one thing, and another side telling me another thing.

2007-08-27 14:48:59 · 4 answers · asked by Anonymous

i have\ about $25,000 or more of credit card debts and i really want to pay it all but just can't so soon as am a single working mother with two kids... my credit rating is the lowest and all my cards have gone to collection agencies and attorneys have been calling and i can't answer i can't pay so much at one credit card alone and i want to have one low payment...i m scared cuz i heard you could go to jail and i m worried what would happen to my two little babies? i could go on and on about how crazily worried and sick i m from thinking about this every nite... but how do i go about the process and how long does it take please give me through information since i don't have much time to go here and there and research on my own i don't have much time and who ever gives me the complete information on how, how long, exactly how the process works will get the best answer! plz i really need help here thnx a lot for your responses. i no itz late but i want to work this out!

2007-08-27 14:34:34 · 5 answers · asked by Anonymous

My address of 7 years ago is listed as my current address. My current address is listed as one of the previous addresses. Besides that my info is correct. Is this important at all?

2007-08-27 13:03:29 · 2 answers · asked by Ann 4

The Housing market is in a mess with all the foreclosures now, and since all of this has happened numerous mortgage companies have had to fill bankruptcy! Now, no one with less than a perfect credit score, and no, not even a cent in outstanding debts can be approved for a loan, unless it is one of those super high interest loans that has caused all the problems in the first place! We just lost our pre approved loan because of all the new changes and because we owe a small amount of medical bills. Who ever came up with this stupid thing called a credit score took away all the fairness in everything!!! No, I don't believe people should not pay their bills, but sometimes you have situations in your life beyond your control(like medical). We should all have the right to own a home, the American dream. As long as we make the payments it should be our right! Not be judged by a score only without looking at the situations! What are your opinions on this subject?

2007-08-27 13:03:09 · 38 answers · asked by gizmo2 5

2007-08-27 12:28:46 · 4 answers · asked by Anonymous

I have some things in collections and I can't seem to find out where they are. I have no clue to where I need to start to clear up my bad credit. The collection agencies have not sent me anything but there are some bills that I need to pay off that had went to collections.

2007-08-27 12:12:34 · 3 answers · asked by tazzyp01 2

if they fail to tell you can you fail to pay.

2007-08-27 11:58:19 · 8 answers · asked by ? 7

My husband and I are facing a foreclosure on our rental property and we're considering walking away from our primary residence, a condo, also. Would two foreclosures be just as bad as one?

2007-08-27 11:49:05 · 7 answers · asked by Curious 1

I was unemployed for several months and wasn't able to make even the minimums on my credit cards. Well, I have a job now and I've paid some of my cards, but some had already gone to collection agencies to hound me. I paid the creditor directly (for example, Sears) and not the collection agency. I just went online and made my minimum payment, which included lots of late fees and stuff. Does the collection agency have to back off? Or will they keep hounding me?

2007-08-27 11:44:06 · 9 answers · asked by Anonymous

but i was just wondering if i were to finance a $28,000 car how much would i have to prove i make at my job? and how much of a down payment i would need? im only 20 years old and dont have much established... thanks so much

2007-08-27 11:41:19 · 5 answers · asked by jennifer s 1

2007-08-27 11:27:25 · 5 answers · asked by Anonymous

My husband and I are working our way slowly to being debt-free without a bankruptcy. We recently got a limit raise on our lowest rate APR credit card so we did balance transfers on all of our other cards (there were 6). Since we desperately want to get our Credit Score to move UP (It's only 550 right now), is it best to close all these accounts we just transfered or just cut up the cards and leave the accounts themselves open? We want to do what ever will help our score the most! :) Thanks!

2007-08-27 11:06:02 · 5 answers · asked by tristalelyn 1

Will this have any adverse effect on my credit rating?

2007-08-27 10:50:23 · 5 answers · asked by skot302002 3

I have got monthly loan repayments and mobile phone bills that i can not afford to pay back each month. The loan is on my name and account. My wife and me have separate financial accounts.The house and the mortgage are only in my wife's name. I have made my mind to go and live abroad untraced, but my wife will stay in the UK.
Can the bank and T-Mobile take any legal action against my wife to get their money back.

2007-08-27 10:22:33 · 11 answers · asked by amer5617 2

freecreditreport.com, truecreditreport.com, annualreport.com and they are ALL USELESS!. All they do is collect your info and thats it nothing else. They say nothing about what my score whether its 600, 700, 800. I don't know but the meaning of the word free means you DO NOT pay. But they say I have to pay $5, $6, even up to $10 to get your report. But I don't want to know what my report is, I already know that I just want to know what my credit score is, thats all is that too much to ask for!

2007-08-27 10:06:53 · 9 answers · asked by Anonymous

I have a 3 year credit history (opened up a secured account with Orchard Bank to get my first credit card). Currently I have 3 credit cards -

first one is 500$ with 0 balance - opened 3 years ago,
second one is 500$ with 0 balance - opened 2 years ago
third one is 3600 with 3400 as balance - opened 9 months back.

I dont have any other debts. I am currently making 100500 per year + options + bonus. I checked my credit score - its 698.

Today I asked the bank for the third credit card to raise my credit limit since I am getting married this year.so I might need more money to cover up the expenses. I was wondering how much they can raise my credit limit, if any ?

Thanks for all your help.

2007-08-27 09:04:49 · 4 answers · asked by oh la la 1

my credit score is 507 and my husbands is 487 is it possible to find a loan for a house

2007-08-27 08:57:54 · 10 answers · asked by crystal s 2

I'm thinking of buying a new car for the first time and was wondering if it effects your credit score when capital one or a dealer fills out and runs a car-loan application. I heard that filling out applications can affect or lower your score if you are not approved.

2007-08-27 08:16:49 · 3 answers · asked by Mr. Maya3D 2

I wanted to know how the collection agency collect money from debtor and what can they do to you to collect the money. (how far they can go to collect that money from you).

Thank you!

2007-08-27 08:05:58 · 7 answers · asked by hideaki413 1

I have never been a member if any credit union But I ark wad wanted to be.

2007-08-27 07:50:27 · 3 answers · asked by Applered24 3

2007-08-27 07:33:30 · 5 answers · asked by Credit Surgeon 1