Credit - August 2007

I currently have 8 items that are in collections, they are mostly medical bills. Will it help if I start paying these items off or will it be better to leave them alone.

2007-08-27 07:13:10 · 7 answers · asked by Single123 3

need money but cant seem to find a lender for me? anyone know someone or place to get loan with bad credit?? help

2007-08-27 06:27:43 · 9 answers · asked by Anonymous

i have so much debt and its from credit cards medical bills unpaid car loans and other crap what is you take on bankrupcy and in the end is it a good or bad turn out or what ....anything will help!!!

2007-08-27 06:00:15 · 10 answers · asked by erica g 1

i have perfect credit score. all my credit cards is about 11.99 APR. is it 11.99 the best rate ? the banker tell me that i have the best rate in the nation. greatly appreciated for your input .thanks!!

2007-08-27 05:50:26 · 6 answers · asked by Anonymous

What would work better to improve my credit score. Would I be better off by keeping a zero balance on my credit cards and just using my debit card from my checking account? Or would my score improve faster if I were to consistently put charges on each on of my current credit cards and pay off the balance in full each month?

2007-08-27 05:27:39 · 7 answers · asked by danman4472 2

I just read somewhere where you can make money off your good debt. I just wanted examples of this.

2007-08-27 03:48:30 · 9 answers · asked by steelerspride24 3

I am needing help with finances considerably....

2007-08-27 03:34:49 · 6 answers · asked by Ms. Jacksonville, FL 3

i tried to buy a runescape membership but it said i need a verification number which it didnt have on the card so i kept trying an nothing worked so i went to the website with the card and it said i hav a current balance of $30 and a available amount is $0 how the hell could that happen if i couldnt use the card and im not even a member yet, i called and talked to this robot dude or w.e and said i have no money left please reload blahhh wtf ..ugh my moms gonna be pissed :/

2007-08-27 03:01:17 · 2 answers · asked by Anonymous

so im apperantley under the Preferred accounts apr .
i applied online through my bank at what i thought was 12% apr when i got my packet it said i have a apr of 24 % .

i understand it might be due to it being my first card and because of my age,but will this apr ever go down ?

2007-08-27 02:47:02 · 1 answers · asked by Anonymous

Its a prepaid card and im trying to get something online it says it need to have that number but its not on my card, on the back of the card theres just this strip that says 7 numbers but those didnt work please help :/

2007-08-27 02:38:30 · 3 answers · asked by Anonymous

2007-08-27 01:23:05 · 10 answers · asked by AnoNyMouS 2

2007-08-26 21:20:11 · 3 answers · asked by aunteeanna 1

Back in 2003, I was 23 and made the mistake by getting a credit card with a $3,000 a limit. I lost my job, my car, my apartment. Took me about 4 years to get my feet back on the ground, finish school and get a job starting at 30k. Now the CC is suing me for $6,000 - $3,000 of it interest/attorney fees. I offered the lawyer $1,500 lumpsum. They won't take it. I can't afford to pay the whole $3,000. I barely can pay rent at $600 a month, with food,car insurance, and just started a new job in June? Will they garnish? I don't have any assets and another cc is trying to sue me for $5,000? Any suggestions?

2007-08-26 18:05:45 · 10 answers · asked by Mike Conaway 2

I called up a credit card company whose card got sent to me with my name on it, and wanted them to activate so i recorded my verbal signature over the phone to have the card activated and called costumer support who said they needed my bank account information to activate the card...I never gave them my account information and the card doesn't work, but does that mean i have an active account with them and liable for fees and such??? Or does it mean i have an inactive account if the card doesn't work and not liable for fees?? How do i contact them? They sent me the card, and it only has an activation number on it and i've been trying to find them online but can't find a costumer service number...It's with 1 First National Card.

2007-08-26 17:08:31 · 3 answers · asked by Anonymous

2007-08-26 16:52:27 · 6 answers · asked by Mike Conaway 2

2007-08-26 16:39:41 · 10 answers · asked by leas.granma 2

I WANT TO BUY ANY MUSIC ALBUMS JUST FOR CASH. I KEPT LOOKING FOR A WEBSITE BUT I JUST CANT SEEM TO FIND ONE. CAN SOMBODY HELP ME WITH THIS?

2007-08-26 16:38:08 · 5 answers · asked by dannie_legit 1

2007-08-26 15:43:52 · 5 answers · asked by cozmochic_2000 1

okay, I used to be in debt with some credit card companies, but all of them are paid and I've been debt free for about two years now. I'm trying to rebuild my credit, but no one will give me a credit card. I'm in no need for a house or new car, so I'm not goin those routes. I have student loans that I'm abou tot have to start paying back....will this help my credit? (I know that paying them back will, duh, and I intent to do so...but will just having a loan that I'm paying on look good?) Also, I attempted to get a credit card and was turned down for these reasons:
-DELINQUENCY ADVERSE PUBLIC RECORD OR COLLECTION
-LACK OF REVOLVING ACCOUNT INFORMATION
-TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED

My credit report says that the delinquencies could be on my record for up to four more years...is there any way to speed that process up?? I mean, I realized I screwed up in the past, and while I'm not looking to purchase a new car or house now, I want to be able to eventually.

2007-08-26 15:12:27 · 4 answers · asked by teaster 3

I received a letter on the mail about applying for a credit card, Capital One to be exact (Capital One Visa Platinum Card, so I applied and I got accepted. $300 of credit. My question is how do I build a good credit score since this is my first credit card. Im 18 years old, Going to be a freshmen college student and I also have a checking and savings card from Wells Fargo.

- Im 18 years old.

-Freshmen College Student.

-No Job but stay 100% in school.

-Wells Fargo checking and savings account.

-Never Used a credit card.

-This is my 1st credit card. ($300 credit)

-How to build a good or excellent credit score?

-Can I apply for another one?

2007-08-26 14:13:21 · 4 answers · asked by Anonymous

any help , State of MA

2007-08-26 14:06:44 · 10 answers · asked by The Mane Man 2

I read up on it a little, and sent in a few dispute letters, but it came back as verified and only made it worse >_<. Alot of the derogatory items are outdated, and there's a few things that aren't even mine! How is this coming back as verified? If anyone can shed some light, or knows of a reputable credit repair company, it would be greatly appreciated.

2007-08-26 13:55:30 · 9 answers · asked by Anonymous

i am getting a credit card with a $5000.00 limit which i am going to max out to pay bills. the interest rate is 5.9 % and i plan on paying $300.00 a month to pay it back i will be getting the card in a week a plan on starting payments in september and paying the 300 a month till feburary in which i will use my taxes to pay it off then. i have several questions 1- will they accept the 300 a month or will my payments be higher and 2- in february how much will my payoff be after making 5-$300 payments?

2007-08-26 13:34:45 · 9 answers · asked by mela26 2

I am applying to rent an apartment and the advertisement said that there was a credit check. The application doesn't ask for my social security number. There is no application or credit check fee. Can they check my credit without my SSN?

2007-08-26 13:07:54 · 11 answers · asked by Me 2

I got an annual fee waived for a second card, so now I pay $85 for a card with the exact same benefits of my free gold card. If I cancel the one I pay the fee for, is it refundable?

2007-08-26 13:03:07 · 10 answers · asked by everyidistaken12 3

2007-08-26 12:46:21 · 12 answers · asked by Bella Italia 3

(dont worry, i'm not planning to do it, but I'm just curious as it doesnt say what will happen.......aside from bad credit)

2007-08-26 12:43:23 · 12 answers · asked by Anonymous

Why would anyone use these cards? (unless, I suppose, they already have a visa or master card)

2007-08-26 12:40:00 · 7 answers · asked by Anonymous

The reason I ask is because I was driving the around the other day and really started to notice that more and more people drive very nice cars, many of them people whom I know are not living within their means as it has been shown that most Americans don't. You all know what has happened to the mortgage industry lately right? They basically gave loans to people who really shouldn't have qualified, many of them involving very nice houses. When many of these people couldn't pay for the homes, it caused the economic blow we're seeing right now. Now they say that in the future it may be much harder to get a home loan.

Given all this, here's my question: Do you think the same thing may happen with the auto industry? And soon?

2007-08-26 12:39:23 · 9 answers · asked by Anonymous

I have a few creidt cards I stopped paying on around January 2005. Some have posted to my credit report (Charged Off) and some have $0 balance and some still have balances posted and 1 is with Arrow Collection Agency. Should I call the companies directly that still have balances posted and try to work out a payment schedule with them or is this opening a can of worms? Also should I call the collection agency and do the same? I havent heard from any of these companies by mail or by phone for close to 2 years. Thanks

2007-08-26 12:25:03 · 2 answers · asked by Anonymous