Credit - September 2007

Someone left a handwritten note in my mail box. It hand my name on it and a phone numbers. Its was very sloppy writing, I have a few mechanic friends so I thought it was one of them. When I called it, it was a collections agency. My wife was a afraid it was someone trying to serve me. Would these people resort to this?

2007-09-20 19:09:42 · 12 answers · asked by creditunworthy 1

if i send someone a paypal invoice...can they pay it with a credit or debit card?? or do they have to have a paypal account to issue payment thru the paypal invoice??

2007-09-20 18:05:08 · 2 answers · asked by william e 2

my mothers bill is like $1,200.00 and they said that if she doesn't pay it then they will take her to court. i thought it just goes on your credit.

2007-09-20 18:01:47 · 25 answers · asked by nates_baby 2

The bank does not want to release my car unless I can have a co-signer for the loan. Is there a law that I can quote that states that I do not have to provide a co-signer for the auto loan?

2007-09-20 17:54:02 · 10 answers · asked by gwapings 1

I've been getting phone calls from a company, who is using my name and phone number, but wrong maiden name, SS#, address. They're officially harrassing me, threatening me, cursing and yelling...I refused to confirm #'s on the phone (suspected phishing scam) called the police. The cops talked to them, and then suggested to me just hanging up when they call, or not answering at all.

I'm waiting for another phone call, yuck. Should I ignore it, I've tried to explain they have the wrong Melissa, but the 'investigator' just said he was going to "haul my *** in front of the judge himself" for lying about it. CNR Associates, nice huh? Online some suggest doing a 'cease' letter, but I'm fearful to send a certified letter, then they'd have my address as well!

What really drives me insane is that my husband and I have worked our butts off to pay off our debt, and now owe NOTHING to anyone. So to go thru all that and now be harrassed for someone else's debt is just too much.
Thanks for help!

2007-09-20 17:52:53 · 6 answers · asked by ? 6

Hi!
My hubby has a mental disability and is drawing social security. I am his legal guardian as our state court declared him unable to care for himself. He recently got a telemarketing call from Citi Cards and he gave out his information for a card unknown to me. He does not understand finances. He got the card and used up a thousand dollars and I did not know it until collections called. They said they are taking him to court if he doesn't pay it now. Now, my hubby and I live on about six hundred dollars a month so we cannot pay it all at once. I tried to explain but they won't take payments. Can they do this? What should I do?

2007-09-20 17:20:10 · 5 answers · asked by Anonymous

2007-09-20 17:19:16 · 3 answers · asked by Anonymous

like monthly charges or something? will you still gonna pay? and how much? how about the HSBC Red Card... how much will you pay even if you haven't use it? thanks

2007-09-20 17:02:35 · 5 answers · asked by [][][][][][][][][] 3

this place said that they were going to send my bill to collections if i did not pay it but i did not order some of the things on it

what legal recourse can i take to fight this

2007-09-20 16:41:19 · 3 answers · asked by Anonymous

He wants to give me it because i could have a fresh start ad rebuild my credit.....it was my sister who bombed my credit she had her car repoed that wasunder my name ...im good with credit cards i have zero balances on each i just want a fresh start and i wont cousign for anyone ll keep it in good standing ...whats so bad about it its his ssn he wants me to have it and ill keep it in good standing.

2007-09-20 15:57:15 · 9 answers · asked by Samuel 1

There is a Cirrus logo on the back of my ATM card. does that mean I can use it at any place that excepts Mastercard(including online)?

2007-09-20 15:05:52 · 2 answers · asked by Eric G 1

I have a Imagine Gold Credit Card and it's the only one who I found that would give me a credit line without a deposit, are there any other?

I need to build my score and after research I see having 3 credit lines open is the best way to do it.

2007-09-20 14:49:51 · 7 answers · asked by festy1986 2

Verizon takes the money for my internet right outta my bank account... this month i didnt realize the day came and i didnt have enuff money in the bank and i got an email saying if i dont pay within 10 days they'll cut off my service...im getting worried. if i pt some money in tomorrow and pay it will it be okay... is my internet gonna work when i get home? (im not home right now)? thanks!

2007-09-20 14:29:34 · 5 answers · asked by Manrae 5

My wife and I bought our place almost a year ago, and our loan officer glorified ARMs and so on. We decided to go with it, but now our rates are climbing. We're still able to afford payments, but we could be paying LESS on a 30 year fixed mortgage, instead of this garbage negative amortization loan. What are the steps to do this? I don't want to just walk into Bank of America and say "I want to refinance with you guys" or hit up Lending Tree or whatever. I guess I'm wondering what good steps I can take to selecting a lender and getting into a loan that's better for us. Are there any recommended banks, companies, individual lenders, etc? Thanks!

2007-09-20 13:21:37 · 5 answers · asked by Anonymous

I recently paid off all of my credit cards. They all had pretty high balances so I'm expecting to see a generous rise of my credit score which will help tremendously since I'm going to be buying a new car soon. I paid the cards off about 5 weeks ago- all my credit card bills came in and showed a zero balance on the account but when i pulled a credit report it still shows all my debt. I want to get it off ASAP because as I stated I'm trying to buy a car- My question is does anyone know how long it takes the debt to come off my credit report and is there anyway to speed up the process?
Thanks so much!

2007-09-20 13:03:35 · 8 answers · asked by Cherry 1

my wallet was stolen in it were my credit cards, id's and my sons ss#card i cancelled the credit cards ill have to get a new id but only concern was that my sons id might be stolen he is 12 and don't want to have his credit ruined so early, does any one have any idea what i should do?

2007-09-20 12:11:24 · 6 answers · asked by heycodaim 1

Which is best for raising credit:

If monthly payment is $100:
1.) Paying $150 on time
2.) Paying $100 every 2 weeks (to be "ahead")
3.) Paying $100 on time, then $50 every week between payments.

I guess that I'm asking if there is a way that repairs credit fastest.

Thanks,
Leea

2007-09-20 11:53:35 · 8 answers · asked by LeeLee 1

ive heard people say that checking your credit score, has a negative effect on your credit. like the points go down. sound to ridiculus to be true, but then again, places charge you to quote your credit score.

2007-09-20 11:49:56 · 6 answers · asked by Anonymous

There are credit cards that offer points or cash back on purchases. Which one is better? I have good credit.

2007-09-20 11:44:19 · 4 answers · asked by John S. 3

2007-09-20 11:41:34 · 12 answers · asked by haider s 1

I'm currently renting here in Southern California but I would really want to purchase a home. I work as a nurse so, i earn enough to pay for the mortgage. It just so happen that my credit is really bad...around 500...I have several collections worth 200, 300 etc...I'm willing to pay these off...How many months do I need to wait for me to fix my credit score after I pay off my collections? Thank you.

2007-09-20 11:16:21 · 5 answers · asked by maria isabela l 1

2007-09-20 11:13:22 · 5 answers · asked by Anonymous

How are we as consumers benefiting from it?

2007-09-20 11:12:26 · 2 answers · asked by Anonymous

Why is it that when I pay down my debts(ie pay off credit cards) my credit score drops and when I make big purchases(ie $1,000 or more) my FICO score goes up? Shouldn't it be the opposite? One month I paid off most of my debts and my score went from 789 to 704 the next month. Then last month I charged $1,500 on my credit card and this month my score jumped back up 40 points. Keep in mind I have montiored my credit and I don't have any negative feedback from creditors. Any ideas??

2007-09-20 10:48:57 · 4 answers · asked by Mike 2

We live in a small town with a small locally owned bank.
In the last 15 years-we have borrowed money to purchase 3 homes, numerous vehicles, personal loans. Every payment on time or before-never late. Our banker offered to talk to or write a letter giving a reference on good credit at this bank.

Our problem-we have "0" score
I need to know-who-- or what company we can call and talk to about getting a credit score from our past history at this bank.
Others have said there is such a place and they charge a small fee to have this done, please advise.
thank you

2007-09-20 09:50:00 · 5 answers · asked by this is my name 1

I know this sounds like a CRAZY question.
My husband and I currently have about $2,800 in credit card debt. We are also expecting our first child at the end of January '08.
Has anyone else out there gone into first time parent hood with credit card debt?
If so, was your debt like mine? Or worse? Or better?
We only pay about $200 a month to it and I know, with a baby in our lives, that may be less... but I guess I just needed a pep talk. We are working hard at paying it off and saving money at the same time, but.... I feel like I should be debt free when the baby arrives and that's not going to happen!!!!
Thanks guys :)

2007-09-20 09:29:57 · 13 answers · asked by Julie 2

2007-09-20 09:23:37 · 6 answers · asked by presidentrichardnixon 3

2007-09-20 09:15:40 · 10 answers · asked by kennyandlennie 1

My mother died, and I have bills out the WAZOO coming to her house. I was told to write a letter to the collectors and mail it with a copy of her death certificate. Is there anything in particular I should include? My co workers told me not to say too much. I looked online and they are charging $8.00 for a sample letter! Please help.

2007-09-20 08:48:44 · 2 answers · asked by Aja C 2

i was curious to what the fastes way to build good credit fast without any prior credit history

2007-09-20 08:39:51 · 8 answers · asked by ryan g 1