Credit - September 2007

seems like any time you can avoid financing is good but someone asked me and I wasnt sure. Seems too good to be true (if you have the cash)

2007-09-21 10:41:15 · 8 answers · asked by sfdj66 2

Can the debt collector take money out of my account to pay this debt before the court date??

2007-09-21 10:25:07 · 7 answers · asked by joodee46 1

2007-09-21 09:28:33 · 2 answers · asked by KO Capital - Scam or Real? 1

Its on my credit report and and I have been calling all around.one is with the norfolk city district(norfolk dept of fire and paramed) this is what was on my credit report

and the chesapeake city district(victory nissan of chesapeake) if anyone has any information please email me or post thanks

2007-09-21 09:25:50 · 2 answers · asked by emma25 1

2007-09-21 08:36:37 · 13 answers · asked by rima c 1

I have BAD credit. And now I am at a point in my life where I want to get on track and have decent credit. I want to be able to get a home and car in the near future and I need to get started. Does anybody know of a company that will sum up my debts and let me make payments to them to get back right?

2007-09-21 08:31:50 · 5 answers · asked by specialme9 2

when it gets dismissed what happens there after? Please response if you ever had it happen to you ...and what is put on your credit report?

2007-09-21 08:07:55 · 9 answers · asked by Anonymous

can not manage money at all. They use cash advances they write checks with out the money yet. They have used payday loans in the past. What can be done to help a spouse that does this constantly. Serious replys only. thanks

2007-09-21 07:55:21 · 5 answers · asked by tiger 4

I am confused as to what to do - my husband and I recently reconciled and between the two of us, we have $40,000 in unsecured credit card debt. Although he makes very good money, approx. $3900 per month, we cannot keep up on all the minimum payments for these cards, let alone trying to pay the principal.

He has a car payment and we own our house (or we will in 27 years anyway :) - we have not been late on the mortgage as that is our top priority. We also have 4 kids...... should we file? We figure since we have the house and vehicles that we can deal with the bad, bad credit that this will result in but are we forgetting something?

We considered a debt consolidation but we heard this is more often then not a scam and ruins your credit as much as or more then a bankruptcy. Any advice is appreciated ~ thank you.

2007-09-21 07:50:33 · 13 answers · asked by Clarissa 4

I get some credit cards I would like to pay off as soon as possible. I read that you should pay the card with the higher interest rate first and then pay the minimum payment on the other cards. I like the idea of consolidating all your credit cards and make one payment , as this would make my life easier. Which option would be better, pay off each credit card or consolidate?

2007-09-21 07:38:42 · 6 answers · asked by Anonymous

how much should i send a month if i want to pay off $5,500 dept with a 24% APR in 2 years

2007-09-21 07:28:24 · 7 answers · asked by leidy101 2

http://www.nightingale.com/LandingPages/tpromo_tdiwl7.aspx
There are supposedly forms you can complete that enable you to apply more to the principal (less to the interest) without exceeding your normal monthly payment. I called my mortgage company; they said there are no such forms and that the principal and interest are amortized throughout the 30 years of the loan... That the amoritization schedule could not be altered... That you could only reduce your principal by paying more than your monthly payment (and indicating that the extra should be applied to principal). If that's so, how could the system possibly work? They (John Cummuta) told me I could pay off my 30 year loan (27 left) in 7 years.

2007-09-21 07:07:41 · 2 answers · asked by Anonymous

If you had more than one card? I currently have 3 cards and had to use them to get through college. Now that I have graduated and will have a good income, I need some structured method on how to get them knocked down fast, which one should take priority in paying the most each month, etc. Any suggestions are great. thanks

2007-09-21 06:50:10 · 7 answers · asked by Caroline 1

OK, I have great credit and dont plan to buy anything major anytime soon. I have 5 credit cards, 2 having high interest rates. Should I close 2-3 credit cards to help my credit in the long run? I know it my score will go down at first, and thats ok, but a year and half from now is when I will want my score as high as possible. I just dont need 5 credit cards, I really only want 2 for emergencies. So should I forever keep them open or go ahead and close them?

2007-09-21 05:58:01 · 12 answers · asked by nonamegirl 2

I locked in on a 30 yr conventional mortage loan approx 80 days. it is due to expire in 10 days. My credit score has decreased somewhat due to high credit card expenses. Can any of the guidelines of the original approved loan be altered now? Am I still entitled to all of the benefits offered by the lender?

2007-09-21 05:37:17 · 2 answers · asked by sunshine" 1

2007-09-21 05:36:12 · 4 answers · asked by 7heaven 1

Well my house is in pre foreclosure. I have a 570 score now. We are currently showing 2 months past due on my $2500 a month payment. The houseing market isn't moving in FL. Our Sales date its set for Dec 27th (Great) Merry xmas. We want to look at renting a home. If we hang tight in this house for a month or so i can save some money to put down 1st and last plus Deposit. Hope my score doesn't drop much more. I make good enough money to handle a 1200 - 1600 payment. So any advise as to what to expect from the rental market. Rentals everywhere due to home sales not happening. My house has been on the market for 2 months not 1 inquire.

2007-09-21 05:29:34 · 3 answers · asked by jscott1026 1

a few years ago i got a credit card, well my bank offered it to me, i was young and i accepted. i maxed the credit card out to its limit and could not afford to pay it back, i ended up getting another credit card as it was stupid and silly with money. i then moved home and have stopped paying them back. i am hoping to clear them in the next few months. however i have not contacted the companies and have not been back to my old house to see if they have written which im sure they have. my question is: do you think they will blacklist against me or the old house? and can i get a ccj for it? thanks

2007-09-21 05:29:22 · 6 answers · asked by Anonymous

Card company is taking legal action against child.

2007-09-21 05:24:06 · 13 answers · asked by 9736sraes 2

I'm being sued for an unpaid, unsecured credit card debt which I dispute. The collector is taking me to court in a civil action against me, and in doing so taped the full summons to my front door for the world to see....no courtesy of an envelope for privacy. It was obviously an effort to embarass me, which it actually doesn't, but I am wondering if I have recourse of any type.

2007-09-21 05:20:00 · 6 answers · asked by coolstyling 1

Hello there, I have a question regarding managing my credit score. Here's the deal. Last time I checked my score was something of 615, I checked it to get a loan which I got it. The score I got was because of the fact that I was almost maxing out my credit card limit. I have 3 cc, I recently totally paid off the one with about $3500 which was not reported to the scoring bureau yet, but I still have about $3500 on the other 2. Other 2 comes with no interest/no payment option until sometime in future. I have been thinking of buying a new TV set, which would cost about $2500, but I am seriously thinking about paying off credit cards first and buy the TV with saved money, not with credit card. Since I will not be checking back my score any time soon, for a loan, etc, I was thinking of buying TV with recently paid off cc then pay off the balance on all 3. In time, I will bring down the balance to below 25% of my limit, thus increase my score, but what do you think I should do now?

2007-09-21 05:05:08 · 5 answers · asked by choulhong 2

I purchased a car from a bhph do they report to credit bureaus and if I no longer wanted this car could I take it back without anything strings being attached?

2007-09-21 04:42:57 · 5 answers · asked by Lucianna C 1

As of today, my credit score is 631. Now I don't really know if thats bad or good, but here are my questions: I have 4 debts. 2 are credit cards, one for $500, the other $450; and 2 loans for furniture, their balances are $1630 and $1135. Would getting a loan to pay them all off be bad or good for my credit so I only have 1 payment? Also, what popular loan place would do it with a credit score of 631? Since I need about $4000 would my payment a month be outrageous or it just depends on the interest? I want to build my credit obviously so I don't want to do anything to hurt the score I have built for myself already. Thank you for any help!

2007-09-21 04:32:41 · 7 answers · asked by Janessa 4

I applied for a Visa Credit card... It was declined...

The reason given to me was that I don't have credit. (not that I have bad credit, I basically have no credit rating, thats why I need a credit card, to earn credit).

Now, I recently bought a house and already have the furnishings for it, paid 20 pct down, have another 10 pct of its value in cash, I own my own car and have a steady middle class job working for the government. This apparently does not warrant me being trustworthy enough to have a credit card with a basic limit ?

However when I was a student with no job, no car, no money, no home... I couldn't walk down the halls of the campus without being assaulted by 3 credit cards vendors trying to get me to sign up for a Visa or a Mastercard or a whatever they were offering...

2007-09-21 04:09:13 · 10 answers · asked by Anonymous

i have a credit score of 544 and it is getting better and better but am in need of a loan to change 2000.00 a month to less i have three small loans with high % rates if i had one with the same rate i can repair my life and i do have property to back the loan.

2007-09-21 03:50:20 · 4 answers · asked by sickofitpowur 1

I'm not sure I can afford the higher payment

2007-09-21 03:15:27 · 5 answers · asked by lasces 1

A few weeks ago i replied to an email for information from Home Learning College. A "Salesman" from the college phoned me and said he would visit our home with the information. After talking to my husband we tried to cancel the appointment through sending an email to the company and phoning the college. We were told that he would not come to the house. I was surprised to find him there at the door with no knowledge of trying to cancel, but as all good "Salemen" are he managed to get in the house. After telling me about the course, i was unsure about how much it would cost but he assured me that i could look at my finaces, cancel the agreement and i wouldn't be charged. I signed the credit agreement and received a copy that said i could cancel after a short time. A week later i received another copy of the agreement, that looks exactly like the copy i signed but stating that the cancellation period is 5 days from the receipt of this copy of the form. I want to cancel the agreement!!

2007-09-21 01:33:48 · 9 answers · asked by bobhol 2

2007-09-20 20:17:08 · 1 answers · asked by JAY 1

Im also thinking of opening a small business in the future....just wondering if this will have an effect on it

2007-09-20 19:33:10 · 5 answers · asked by travisjohnson81 1

How big is the amount before the bank can sue a creditor? I hope the answers have legal basis. Thank you.

2007-09-20 19:15:14 · 14 answers · asked by ally 1