Credit - August 2007

In June, I got involved with a debt settlement company that has caused me nothing but trouble. I got my money back from them, but my two bank of america accounts were sent to arbitration. I am having trouble getting a loan to pay off the accounts because of the 30 days past due notice on my credit report for those accounts. Even with a co-signer with perfect credit, we have ran into various problems, such as living in different cities. My parents said to contact a lawyer and they would be able to set up payments for me, but I am wondering what that will do to my credit.

Thanks!

2007-08-26 12:01:06 · 4 answers · asked by Kimberly M 1

2007-08-26 11:45:38 · 11 answers · asked by Don 2

I'm looking for a Visa or Mastercard will grant credit to a new businesses with no credit history, using JUST the Business EIN. NOTE: Yes, I know doing this to hide personal history is illegal - so just to clarify, this IS for a Legitimate Business - please save the lectures, thx B-)

2007-08-26 11:23:51 · 6 answers · asked by Solstice 3

2007-08-26 10:59:23 · 8 answers · asked by Anonymous

I called the crdit card company when I was browsing my credit card and noticed someone got a credit card in my name the credit card people said that he had been sent out but hasn't been activated yet I was just wondering could it be activated even if I called to let them no I didn't do it?

2007-08-26 10:56:14 · 5 answers · asked by jaeleeamari2904 1

I was served papers and i have about 12 days before I need to give my "ANSWER". If the collection company accepts my settlement offer in the next few days, will i still have to give an Answer to the court?

2007-08-26 09:56:37 · 5 answers · asked by Jim with a B 1

Years ago I had about 2 years of a credit nightmare. I was young and didn't know any better. Luckily I was able to pay off all of my debts and now only owe my student loans from college, which are not much.

I know I can contact the credit agencies myself but my credit reports are so overwhelmingly inaccurate and cumbersome. I am not kidding when I say 95% of my credit report is inaccurate. None of the companies notified them when they were paid off or when they were transferred from one company to another so some of my "debts" are even listed multiple times.

When I paid them off it took me forever and my mother's help just to figure out what I owed and now it gives me a stomach ache to even look at it. I did the hard part - paying it off. Now I just want someone to go in, sort everything out, and dispute the inaccuracies. I am willing to pay a good, honest company but I all I keep hearing about is to be wary of scams.

Does anyone had experience with this sort of thing?

2007-08-26 09:32:30 · 7 answers · asked by Ann 4

I really wonder specifically whether my bank with it's protections (and fine print) has a better likelihood of preventing fraud or do the Experians of the world provide a quicker way of determining this>

2007-08-26 09:25:21 · 2 answers · asked by worrywort777 1

I petitioned the trustee to dismiss my Chapter 13 case because I could not afford to pay $1400.00 a month anymore in addition to a $1200.00 mortgage and other expenses. My primary reason for filing for Chapter 13 was to protect to house from forclosure. I sold my home and have a settlement date in two weeks. My question is since the Chapter 13 was dismissed on 8/20 what impact does this have on my credit score. Is it viewed just like it would if my case was "discharged"? Does my house being sold help my score any? Thanks!

2007-08-26 09:13:08 · 2 answers · asked by dgoldenboy67 1

This is my first time to get a credit card, i have a equifax 730,transunion 729 ,experian 725 credit score and my credit line is only $1000 from bank of america,should i pay everything w/ my credit card? and paying them on time to get a credit increase? cause i keep applying for credit increase and they dont let me.

2007-08-26 09:09:46 · 9 answers · asked by Anonymous

I have a monthly mortgage of $1,350.00 with a 4.92% interest rate which is due to go up. How much might the monthly payment go up if the rate increases to 6.25%? That is on $197,000 with monthly taxes of $330.00 escrowed? That is the only thing escrowed (hazard insurance is paid by myself quarterly). Thanks !!!

2007-08-26 09:01:12 · 5 answers · asked by Gretta 3

2007-08-26 08:57:38 · 18 answers · asked by Sandy 4

I have the money to pay off both credit cards, but before I do that I was wondering if I could pay off my lower balance one with my higher balance one and get more rewards points on the higher balance card, then pay off that card. I don't want to do a balance transfer, just want to use the pay online feature and pay with a credit card instead of my debit card. The card in question has enough of the limit left to secure the transaction.

2007-08-26 08:52:34 · 9 answers · asked by Anonymous

Does any body know hove much a single, unemployed mother would get paid weekly for her child aged 14?

2007-08-26 07:49:21 · 12 answers · asked by Linde 2

What impact does closing credit cards have on your credit score?
I have a number of credits that I am not using. What impact if any would closing some of these accounts have on my credit score?

2007-08-26 07:36:21 · 5 answers · asked by hydra1970 2

I wanned to place an order on www.amazon.com, and entered my credit card number (lets assume it is 6728 6273 2837 9233 - some random number - not mine of course), my name as written on the card (Kenny) and after some time they told me that they could not process my credit card - like they were having difficulty doing so.

WTF? What did I entered wrong??? Why didnt they aks me to enter the SECURE CODE?

2007-08-26 06:22:09 · 6 answers · asked by Alexwho w 1

Every time I try to buy something they ask for my visa or mastercard which I do not have. I only have debit which they never accept.

2007-08-26 06:09:36 · 7 answers · asked by Anonymous

I am a employee for the us army at fort pickett in blackstone, va. I am looking for a loan for a car. I want to know of a crdit union I can go to. My credit is ok. Help please.

2007-08-26 05:31:23 · 2 answers · asked by coorj2001 1

Thank you!

2007-08-26 04:01:27 · 3 answers · asked by Anonymous

Iam having problem for credit card payments. I like to avail the service of counselors in UAE

2007-08-26 03:58:56 · 1 answers · asked by suji_906 1

one says it's a PAID collection account
the other says CHARGE OFF.

How can I fix this problem?

2007-08-25 23:25:34 · 4 answers · asked by Asia's mommy 2

how do u get a bad credit pay day loan without a valid checking account i just moced to the area and all i have is like a online checking account and helpful answers would be greatly appreciated ive got to get a loan to put a radiator in my car which in going to cost me 150 dollars and i dont get paid til thursday and i dont have another ways to work so anyone that could help me figure this out it would be greatly appreciated

2007-08-25 20:19:06 · 4 answers · asked by bigloutrail 1

i never give any promistion for any credits reports company to obtains my credits history.but some they just got it. how did they get them. is it agaisnt your privacy rigth to obtains information about without premistion from you.?

2007-08-25 17:49:19 · 6 answers · asked by lehanrony 3

I went out to a restaurant and my debit card was stolen somehow when it was being ran for my meal. I called my bank and they canceled the card and are issuing a new one. Is there anything else that I should do? Can you believe the waitress still made me pay for my dinner after my card was stolen in her possession?

2007-08-25 17:32:09 · 9 answers · asked by Amanda M 5

I have a debit card, but it never seems enough.

2007-08-25 17:13:43 · 9 answers · asked by Shawny™ 4

with a cosigner with good credit?


or can my parents get a loan for 4 thousand and can it be transfered to me when i am 18?

i have 2 thousand already i have been saving since i was 13.
i have been dreaming of a 2004 Yamaha R6 since i was 13.
i just got my motorcycle endorsement.

2007-08-25 17:05:15 · 13 answers · asked by Sean M 2

I just recently found out my wife opened 2 credit cards under my name without telling me. She's been taken money out of those credit cards for gamble. And she didn't make payment on those credit cards, so one is past due for 30 days, another is past due for 90 days, and they both went over the credit limit. I called credit companies to have them closed, but my credit's been damaged so badly. I had 714 before now my credit score dropped to 485. My question is after I paid off those credit cards debt, how long will it take to get my score back to normal? For instance, at least around 600. Please help, thanks!
P.S. I don't wanna get my wife into trouble, so I didn't report it as identity theft.

2007-08-25 16:23:43 · 12 answers · asked by creidt card abuser 1

Will I be consider having a criminal record if I am slap with a credit card judgement by a law firm representing my credit card company? And if the balance is around $550. I have never ever been arrested in my life. Never had any problem with law. So will judgement ruin my CLEAN RECORD???

2007-08-25 14:51:07 · 11 answers · asked by RaiderNation 1

really want to avoid bankruptcy!

2007-08-25 14:50:16 · 6 answers · asked by World P 1

Hi, i filed bankruptcy 3 years ago and it has been discharged i had a car in my naame with credit acceptance last year and payed it off this month, i got a 2004 impala from dealer acceptance, my credit score is 555, i am trying to get a 2002 chevy avalanche with 112000 miles on it i was approved for road loans but the company had to be franchised and the car no more than 70000 miles on it which the dealer met neither standard. My question is, is there any way i can get a 14,000 dollar loan for this truck? thanks!

2007-08-25 14:25:40 · 5 answers · asked by Anonymous