Credit - September 2007

2007-09-30 23:18:53 · 3 answers · asked by sha 1

I just transferred 2 credit card balances to a better credit card - lower interest rate and cashback rewards.. Now, I have these 2 $0 balance Visa and MC credit cards, as well as a Bloomingdales and Pottery Barn credit cards that have been $0 balance for years, I think.. Is it better to keep $0 balance credit cards open, or is it better to close them, in reference to my credit score.?

2007-09-30 23:03:37 · 10 answers · asked by mj'smomma 1

I am 95% positive he has used it several times. I leave my wallet out on my desk and I know when I've been sleeping. My online statement will say I've been to McDonalds, walmart, etc...with only small transactions. The time/date is when I was sleeping. I don't want to press charges, but I'd like to find out before I go accusing him because of course he will deny. Is there any way I can get surveillance tapes from these places to see if it really is him? It could be someone else that comes by the house, or maybe I sleepwalk or just have a really really bad memory...but that is HIGHLY unlikely...

2007-09-30 21:19:44 · 9 answers · asked by PP 1

2007-09-30 20:49:41 · 6 answers · asked by breche.1 1

2007-09-30 19:27:51 · 8 answers · asked by Anonymous

medical circumstances...that had set you back for 3 months...so your minimum payment COULD NOT be paid...but you did send something every two weeks...How much could your credit go down????...everything else is up to date....can you just guesstimate for me....if i write them it will take 2-3 weeks for a response....just your guess please???

2007-09-30 18:48:23 · 2 answers · asked by sweet 4

Okay, so here's the story. I went to my ATM Sunday to withdraw some money to go to the grocery store. The atm rejected my card so I called to find out how much I had in the bank. Well, I was stunned to hear that my acount is a negative $7500.00. I never in my life have that much money (I'm 22 years old). The only amount that should be in there is $500.

After I checked who could have made such a huge error. Then I found out it was Citibank. They made a check out to themselves for $8000. This bank was supposed to loan me this amount not withdraw. I needed to pay off my debts. A month ago however they denied my request for this loan. I recieved the letter and I still have it.

I opened a checking account with them this how they gained access to my account. It doesn't make any sense. Instead of giving me the loan, they stole money which I didn't have. I'm afraid I might get arrested.

What should I do?

2007-09-30 17:30:32 · 3 answers · asked by Tinkerbell 4

2007-09-30 17:21:58 · 6 answers · asked by davis4433 1

If someone would correct inaccurate information, remove at least 50% of the negative items statistically, and drastically increase your credit score, which one of the following would that be worth...espescially if it meant you getting a home loan after the service?
A) $500
B) $750
C) $1,000
D) More

2007-09-30 17:21:31 · 10 answers · asked by Raymond M 2

He only has one credit card. The vehicle we purchased is under my name and he cosigned. He also co-signed on our cell phones. If not, what can he do? he has never made any late payments on anthing (ulitities, rent..also under his name)

2007-09-30 17:03:48 · 6 answers · asked by beatlegal 4

someone told me that the more someone checks your credit report ( like for loans ) it lowers your credit score. is this true?

2007-09-30 15:31:05 · 2 answers · asked by surethang 1

CAN I File Bancruptcy on that before the court date

2007-09-30 11:05:33 · 6 answers · asked by tomgirlhw 1

when i called this collection company who has the bill they said the phone company switched hands back in the mid 90's and is just now selling their debts to collection agencies. the company has never tried to collect this debt and i dont feel i should be liable for a debt to a company that went out of buisness. i looked up the statue of limitations and it says that "open accounts" are closed after 5 years. is this considered an "open account? " or does anyone have any other tidbits of wisdom i can use when i talk to this collection agency again? thank you all!

2007-09-30 10:38:17 · 5 answers · asked by wesley s 2

I'm planning on signing up but if they're going to charge me extra money to just have it then i don't want to. I just want to sign up just in case of an emergency. Is it a good idea to get one of these?

2007-09-30 10:37:05 · 2 answers · asked by jackSprckk 3

I don't want to file bankruptcy, but find myself drowning ! I need to buy a house in the next few years and want my credit rating to come up. I need help!

2007-09-30 10:02:55 · 6 answers · asked by deYoung 4

I just filed bankruptcy and am having a awful time trying to get a card to help rebuild my credit. I have now decided to go w/ a secured credit card that my bank will help me w/...but i know from working in the credit card industry that inquires will take your score down...how long do they stay on there ....

2007-09-30 09:57:15 · 7 answers · asked by Candi 1

im going to pay off 9 bad debt one a car and some medical and i have for open account which im never late 2 which are card card and i only have about 26% on them and im trying to buy i house in 6 month do you think my credit score raise so i can?

2007-09-30 09:06:28 · 4 answers · asked by Anonymous

ive been seeing these sites that say you can get your money back in case your credit card got cloned or if someone screwed you on a transaction. is this rule universal on all banks around the world? if i tell the bank that i did not purchase an item on my credit card statement would i get my money back?

2007-09-30 08:37:35 · 2 answers · asked by grabber 2

I have heard it is better not to sign a credit card. Is this true?

2007-09-30 07:56:30 · 8 answers · asked by lilly101200 2

i didnt have medical coverage so i went to the doctor. He was so rude and cussed me out so i didnt pay the bill i owed. it was $800. Now it is $1000. That has been 4 years ago. I heard that it will clear in 7yrs. Is that true? Will my credit get ruined?

2007-09-30 07:28:50 · 6 answers · asked by Anonymous

2007-09-30 06:33:02 · 6 answers · asked by andyc 1

Have used my credit card at different places and they want to charge 3-4% more on the bill because I didn't pay cash,and they told me that if I used cash they wouldn't charge this extra but that the credit card people charge them. My wife and I have had small businesses in the past and never charged people to use there credit cards as to me that is part of doing business and that is for my tax people to figure out at tax time. Also by accepting credit cards we figured that it increased our business. I can remember when Master Card was first on the market We were told we could not pass this charge on to the customers as against the law because that was one of the obsticals for them to convince businesses to take on there card.
It just seems to me that this is becoming a more excepted practice and I would like to know what can be done if this is against the law?
thanks DG

2007-09-30 06:30:50 · 4 answers · asked by Anonymous

2007-09-30 05:58:22 · 3 answers · asked by I dont know 4

I went to the credit sites and disputed several items that were incorrect.... It has been more than thirty days and most of them still say "Pending October 13th" Which is awful because it is past the 30 day mark... How can they do this? Am I screwed because I didn't do it by mail, but online?

2007-09-30 05:55:45 · 2 answers · asked by Anonymous

I have no Credit history, I need Bank names that give me good Credit cards.
BoA only gives me $600 and refuses to lift the limit.


No Online Websites, Bank Names please

2007-09-30 05:10:45 · 6 answers · asked by Anonymous

Is there anything that will make your credit look BETTER FASTER?

What can you do during that 7years to make it look better?

2007-09-30 03:28:34 · 8 answers · asked by Anonymous

SAY THEY SETTLE TWENTY THOUSAND FOR ELEVEN THOUSAND< THEY SAID THEY WOULD SEND A CREDIT REPAIR KIT AFTER THE THREE YEARS HAS ANYONE DONE THIS AND DO YOU RECOMMEND IT?

2007-09-30 02:49:31 · 4 answers · asked by CURIOUS 1

My mother is over $20,000 in debt due to impulse buys and necessary home repairs. She has 3 credit cards and had things paid off or nearly so until the repairs came up. She owns her own home but may lose it due to the debt.

What are the pros and cons of debt consolidation? Which places are legitimate if we decide to go that route? (I'm helping her look into various avenues.) Do they charge for their sevices or are they free? How do they work?

Any tips on preventing this kind of thing from happening in the future? She does cancel cards as she gets them paid off since she doesn't want to be more in debt.

2007-09-30 00:25:26 · 8 answers · asked by Anonymous

I make less than a thousand a month.I have a savings and checking account.

2007-09-29 22:52:19 · 6 answers · asked by uloarnett 1

Which mortgage lender will loan the most without hidden fees on an “interest only” or low-payment loan, without income verification. Also what % of the “house value” can I expect to be able to borrow on a “no-ratio“ or “no-income-verification” loan? I own the home, free and clear and it has potential rental income. Thank You

2007-09-29 20:51:55 · 2 answers · asked by hop-a-longmd 1