Credit - September 2007

OK, I'm clearing up my credit report and I'm wondering which would you pay first? Pay off a judgement from an apartment complex ($548) from 2 yrs ago; pay down 2 maxed out credit cards both with a $300 credit limit (opened this year). Both will get paid but i'm just wondering if it makes a difference which one should get paid first. Also, does anyone know how much this will affect the credit score when it's paid off after about 3 months? Thanks.

2007-09-13 16:07:57 · 10 answers · asked by tikki 2

I just recieved a debit/credit card from downey savings(my bank) and i activated and all and now i need to know how it works. I gues when you use debit the money comes out of you checking acount, but what about when i select credit, what happens then, if i dont have any money on my checking acount, will they just send me payments with % every month for how ever long.

2007-09-13 16:04:40 · 8 answers · asked by o_O ? 2

I know it is a dumb question but if you really know the answer please let me know, I am a bill collecotor ao I already know the fees ans damages to credit I am just validating whether it could be done or not.

2007-09-13 15:55:56 · 6 answers · asked by James 1

Where can I find a card with a $500 credit limit who will accept me and not need anything to set up the account?

Thanks!

2007-09-13 13:24:24 · 9 answers · asked by Sarah 3

meaning any one out there who will consult you how to do all the payments in one payment/or help you do the payments i know itz not possible to consolidate but does anyone know the best possible solution?

2007-09-13 13:20:39 · 4 answers · asked by Legant 3

I am having my credit card for the past three months and have excellent credit history. But the credit history is available under only one credit bureau. I am now applying for auto loan and when credit unions/financial institutions run a credit check they are not finding any credit history. There is no file in other credit unions.
How do we make sure appropriate information goes to all credit monitoring agencies? Is there anyway to report to those agencies or should I have to report to my bank(which has issued me the credit card) ?

2007-09-13 09:33:23 · 1 answers · asked by irah_384 1

This may be long but I need help, please read. Ok, I have had this credit card for 3 years. I always paid them on time until I got into a real financial trouble. I was in an accident, in and out of doctors, missing a lot of work. I couldn't pay them. Then when I was getting a little things worked out & was able to pay, I logged onto their website & it said they had been bought out by another company & gave their phone number. I called them and they were very rude and would not set up payment arrangements with them for less than $100 a month. I couldn't do that. I explained my situation to them & they said they couldn't do it. I ask them for a mailing address so that I could send them payments when I could and they would not do that. They said they couldn't accept anything less than $100 so I told them well I don't know what to do & they said they would turn it over to a collections agency so I said ok, do what you gotta do. Then today someone from Apex called me & said it's

2007-09-13 09:28:57 · 15 answers · asked by Vanessa 1

The number on the back of the card is only automated and there is no number posted on their website (www.aspirecard.com).

2007-09-13 09:14:52 · 4 answers · asked by Mountaineer 1

Medical debt should be covered by insurance and is currently under investigation with medical facility. In the meantime, debt was purchased by a collection agency who now is calling repeatedly demanding payment. I've disputed with credit bureaus and with collection agency, but they are now threatening legal action. What else can I do?

2007-09-13 09:08:36 · 7 answers · asked by Anonymous

Its $1045 and its been closed since 2005. I want to buy a car but my credit is too low... even w/ a cosigner.

2007-09-13 09:05:02 · 8 answers · asked by ATLANTIS 1

Sorry, this is my 3rd and final (hopefully) question about credit reports :)

I'm in California, and it appears that the state's Statute of Limitations for credit card debt collection is 4 years from the date of the last payment.

So if I had a debt that wasn't fully paid in 2001, it's on my credit report from the original creditor. This is fine, as I know it can stay for 7 years. But, since the SoL has expired (In July 2005, which was 4 years after the last payment), they have sold it off to a collection agency.

While I also realize that the collections agency can still contact me to "convince" me to pay it, I don't believe legally they can do anything about it now other than harass me. (Hopefully this is correct so far?)

But, can that collections agency legally keep adding new negative items to my credit report? It would seem to me that since the debt is past the SoL and expired, that while they can harass me, they can't actually add items to my credit report about it. Any ideas?

2007-09-13 07:49:05 · 10 answers · asked by someoneoutthereishere 2

My mom is has liver and bone cancer. Eventhough she's been given a good prognosis she can't work any longer and is disable because of the illness. She has cancer in her back bone. She use to be a hairdresser and as you know you need your back for support and due to long hours standing she can't. She has decided to declare Bankruptcy because besides the fact that she can't work she has credit cards that amount to $18k and can not afford to pay them with her disabilty check. I help my mom with groceries and other bills at home but I can't help her pay almost $600 dollars in credit card. My mom is a single mother and divorced. Its my 7 yr old brother and my 17 yr old brother. Will they take the apt away from her and her car? I am very concerned with this matter. She doesnt want to consildate because the dr has suggested that she has NO stress whatsoever and she thinks that by declaring bankruptcy she can sleep at night peacefully. All she wants is to keep her home and live in peace.

2007-09-13 07:27:51 · 3 answers · asked by ME 3

We never got any joint account. But the car dealer has been calling and leaving messages. He also made several long distance phone call to his mistress. That account is under his name. What could I do? Am I responsible for those accounts? Please help. thank you

2007-09-13 06:49:03 · 6 answers · asked by Anonymous

A collection agency sent me a letter a week ago for a medical debt from 2003. Checking back in my records, the date of service for the debt in question was never billed to me or my insurance company. Since I have the entire billing record for that year from the hospital, I was able to verify that the charges and service dates are incorrect. I wrote a letter (Certified with return receipt) to them showing that for the account they have in question, there was never any services performed on that date. However, just today I looked at my credit report and in July the collection agency placed a record on my credit report.
The debt was never validated with me (I just got the letter last week and I just responded, so I am well within the 30 days), why would they ding my credit report over 2 months ago? Should I also dispute the entry with each of the reporting agencies (in writing) proving that the collection is invalid? I

2007-09-13 06:18:26 · 6 answers · asked by Eric S 1

I have zero credit and this credit card is for zero credit people and it says annual fee is $49. What does that mean..just to get it the card or every month or what? thank you.

2007-09-13 05:43:14 · 9 answers · asked by Anonymous

This doesn't make sense to me. If I paid something off, how can they in the same sentence say it was a charge off? This makes the account look negative when it isn't. If I dispute, will they have to take it off?

2007-09-13 05:43:12 · 3 answers · asked by mrsNO 4

I had a collector call 9 times in 6 hours. Is that intent to annoy or not?

2007-09-13 05:19:29 · 5 answers · asked by Anonymous

Can someone please tell me why if you are looking to buy a car and several different places run your credit to get your loan approved with their banks, your credit rating goes down? I don't understand why it would go down. What is the reason behind lowering your credit rating for shopping around for the best deal? Just trying to understand how this all works.

2007-09-13 05:12:58 · 6 answers · asked by to_sassy4_u 5

if you recieve emails from wezhaoxie@yahoo.com or xie_wenzy4@yahoo.com this person is running a scam. She has a "client" mail you fraudulent Travelers Checks then wants YOU to cash them and send her the money. That way YOU are out the $$$$.
My question is do I report to local police station or some other agency??

2007-09-13 04:11:38 · 7 answers · asked by tlaven2 2

i have zero credit. get paid under the table. i need to build my credit. I was on a website that has secured credit cards platnium cards. The apr is 19%. Are these good starter cards? I never tried for a JcPenny's card or nothing like that because i don't think i can get a card with out actually getting a paycheck. so i thought a secured card would work okay for now? any thoughts on that?...also if i would get the card how does it work and if i would buy say a $30 pair of jeans how much would i have to pay when the actual bill would come. beens the apr is so much.19%?

2007-09-13 04:04:27 · 1 answers · asked by tanekarae6975 1

2007-09-13 04:01:37 · 3 answers · asked by robbine1965 1

I HAVE A $1200 DEBT FROM ASSET ACCEPTANCE LLC THAT IS NOT MINE. IT IS FOR A PHONE BILL FOR A PHONE THAT I NEVER HAD. IT IS FOR SOMEONE WHO HAS MY SAME NAME BUT I NEVER LIVED AT THE ADDRESS THEY HAVE NOR HAVE I EVER HAD THE NUMBER THEY HAD OR EVEN RESIDED IN THE SAME COUNTY THAT THE ADDRESS OR PHONE NUMBER IS IN. I CALLED THEM ABOUT IT AND TOLD THEM THIS AND THEY SAID THERE IS NOTHING THEY CAN DO. WHAT DO I DO? HELP! PLEASE!

2007-09-13 03:15:58 · 2 answers · asked by Anonymous

I just got a capital one credit card and would like to what happens if you exceed your credit limit on this card.

2007-09-13 01:56:55 · 6 answers · asked by tito 1

2007-09-13 00:50:13 · 1 answers · asked by emmanjuanson 1

i have 2 credit cards,which is actually im not paying it anymore i think for about 7 months,cause i dont have money to pay it, i lose my job and its hard to find work nowadays, i have a savings but its only enough to sustain my everyday living,im getting all the letters from the bank, as well as attorneys letters but im not opening it, cause im kinda scared dont want to read what was written on it, and they would even come to my house now to ask for the payment which gives me this nervous, now it builds me a paranoia,anyway my question was, is this all attorneys letters are true? and is it true that they are getting materials like house cars just as a sort of payment for the credit card?and is it true that they would report it in the bureau of investigation for u not get clearance or would they give u case regarding this?as of now i cant really pay my credit card.what will i do?i know i know this is a lifetime problem,what will i do now?

2007-09-13 00:47:38 · 3 answers · asked by peggy s 1

I rec'd papers from the courts ,I'm being sue by gmac for the deficiency balance on my return 2005 truck balance $20,994.00 what should i do now , do you know any cases in New jersey that anyone was sue by Gmac need help I have 35 days to answer this summons .Thanks

2007-09-13 00:44:35 · 3 answers · asked by Darrell W 1

2007-09-12 20:24:03 · 1 answers · asked by hale 2

2007-09-12 17:07:35 · 2 answers · asked by cath 1

I cosigned a credit card loan for my brother. He racked up thousands and stopped paying over a year ago. The debt is already charged off. He is working with a credit counselor to resolve the debt but its going to be awhile. I'm wondering if maybe a "consumer statement" will help. There is nothing that indicates that it isn't actually my account. Any advice on wording a credit report consumer statement?

2007-09-12 15:58:54 · 5 answers · asked by Joke H 2

This horrible company called "Capital Management Services, L.P." [http://www.cms-collect.com/] continually calls and tells me that I owe them some debt. It's incorrect and I tell them that.

They are very, very rude. So about 6 months ago I told them to stop calling me. But they keep calling. Different people (all with strong Indian accents, yet amazingly American names like Sally and Bob) call each time. I always say, "I told you to stop calling me..." and they reply with some garbage like "I have never called you before. What is your name? You need to give me your name right now. Give me your name".

Obviously I refuse, and they say more rude comments and hang up. I have no luck when calling them and their phone is routed nowhere. The company appears to be in NY, USA! How is this legal??

My question is, how can I get this to stop permanently? I've seen many other reports too. I want to take action and get this stopped ASAP and hopefully get them in trouble as they deserve.

2007-09-12 15:37:39 · 9 answers · asked by someoneoutthereishere 2