Credit - September 2007

2007-09-12 14:03:20 · 11 answers · asked by Anonymous

rip off as they ask for a join fee of $34.00.
i checked other web sites that offer the same deal of making $1000.00 or more a month and all want a joining fee.
do you know someone using these sites and are getting paid?
sounds to good to be true but there is lots out there.

2007-09-12 13:56:04 · 7 answers · asked by doug_servicetek 3

Im in quite a debt but handling it very well, however im being rejected now when applying for any credit card.

if i apply at a credit union, will they accept me and give me a unsecured credit card (with a good limit, not $500 or less)

Can they also give me a loan? my bank won't give me a loan because i have too many cards with high balances....

also, do i have to pay any membership fees at credit union?

2007-09-12 13:46:25 · 3 answers · asked by nightrider 2

This is on a credit card, balance of $699, I need to figure out how much monthly payments will be. This info is all i have, apr 23.99%, daily periodic rate 0.65726% what is the average daily balance? WIth the average daily balance u multiply that by daily periodic rate of 0.065726%, corresponding 23.99% annual percentage rate times the number of days in the billing cycle. If someone needs to email me: whitleyklan@yahoo.com. thanks a million!!!

2007-09-12 13:39:28 · 11 answers · asked by momma whitley 2

I have up to 15 days every month to pay, but i sometimes pay after . I don't mind paying the late fees, it's not an issue. How about credit wise (there is nothing that i can do right now to pay on time) ?

2007-09-12 13:37:36 · 11 answers · asked by Chela 1

My mother-in-law co-signed a car loan for my wife when she was in college (before we were married). Now my mother-in-law is filing bankruptcy. Will this affect my wife's credit? Can the lender legally "repo" the car since my wife is the primary borrower? What is the best course for us to take?

2007-09-12 13:05:58 · 7 answers · asked by Adam 1

2007-09-12 12:55:11 · 1 answers · asked by sesirod_dr809 1

2007-09-12 11:13:46 · 6 answers · asked by joe 1

I just had a question. About 3 months ago I tried to apply for a loan to get a house. However, my credit score was around 560 at the time, so they were asking for a 10,000 down payment and to hire a company to settle my debts. Since then,I decided to try and raise my credit score alone rather than pay someone to do it for me. I have been paying my bills on time and paying more then the minimum balances. I am also paying off credit cards starting with the lowest amount.At the rate I am going, I should be able to pay off everything by the end of December. Now my question to you is, by doing all of these things, would my credit score go up enough to, hopefully by March, be able to apply for another home loan?

2007-09-12 09:19:17 · 12 answers · asked by Anonymous

2007-09-12 09:15:07 · 6 answers · asked by chipchase16 2

Last week, I saw that there were large deposits made to my Bank of America Account via BAD CHECKS.(1 for $2900 and one for $2500), I also saw that my ATM card was being used while I was at work & I hadn't even realized it was missing as I don't use it every day. The bank suggested I file a police report. I did & called them with the report number, the police departments phone number and the officers name . I have spoken to their fraud department every day since last Thursday. I told them that the deposits were not mine. I told them that the purchases and ATM withdrawls were not mine and that I could prove it as the charges were taking place when I was at work. I went to log in online this morning to monitor my account & found out they revoked my online access. I called them and they told me they closed my account altogether for fradulent activity. WHAT? How can they do that when I reported EVERYTHING to them? They said after their investigation is complete I cannot bank with again

2007-09-12 08:30:04 · 15 answers · asked by Uh-May-Zing 5

my child wants a phone bt i have 2 get a credit card or do anyone have a used fone that they dnt want anymore

2007-09-12 08:00:17 · 9 answers · asked by kasandra t 1

I had an account with a bank and the account was closed due to being overdrawn for a long period of time. They reported me to a collection agency and from there I paid the account in full.

I assumed the bank reported me to chexsystems, but when I recently got my credit report the collection agency was NOT listed nor did it show I was in chexsystems.

So I decided to see if I could open an account at another bank and I was able to open it with no problems- (no chexsystems hit)

Any guess as to what happened, has this happened to anyone where the bank didn't report you to chexsystems as thought

Note: I got my credit report from Experian, the time period between my account being closed and the money being paid was a year and 1 week after it being paid in full to the agency I opened an account at another bank

2007-09-12 07:15:13 · 5 answers · asked by K.C. 5

my daughter has recently split up with her boyfriend, and she is panic stricken, as she now has to sort things out financially on her own. she cries a lot, and i worry about her. we can sort some of the problems out she has, but are not clued up on what to do about her car? her car is on finance, and she just cant afford to pay for it anymore. would she be able to ask the car dealer to take it back, if so, would she be expected to pay a one off fee? could she suggest a one off payment or would it have to come off them? all monies are accounted for, she cant even offer a lesser payment. help!!

2007-09-12 06:50:44 · 5 answers · asked by Anonymous

2007-09-12 06:40:14 · 9 answers · asked by Islander 1

Should I keep the truck balance where it is at $27,700 at 5.34% for 72 months ($470/month) or should I transfer some of that over to a credit card and have the truck be $17K at 5.34% and have $10.7K at 3.3% for life with the credit card?

I'm not sure if the interest is calculated the same, or if this would save me a bit of money. I am not interested in lower payments, just saving some money on interest.

2007-09-12 06:10:58 · 7 answers · asked by jpn72 2

A collection agency called me today. This is the first time they've called and they have not sent me anything in the mail. They gave me the name of their company and wanted me verify my social security number. I have never heard of this company so I refused to verify anything. She would not give me any more information. Do collection agencies have to inform me of the company they represent before I verify my social security number? Also, they called earlier today and let the phone ring once and then hung up. Then when they called the second time I was able to answer, but she hung up on me because I wouldn't verify. Is this considered harrassment?

2007-09-12 05:49:09 · 30 answers · asked by cherub_1978 2

it's about people from abroad and about moneyto receive in my bank account.

2007-09-12 05:37:03 · 4 answers · asked by hussein b 1

Is it true that if you pay a small amount each month to a creditor then they cannot put it on your credit report? I owe about 800.00 and some people have said that if you send in 10.00 a month to them they cant turn you over to collections but I dont know if its true. Thanks for any help!

2007-09-12 05:26:39 · 12 answers · asked by Anonymous

i wanna buy a house me and my husband have one credit card together. our credit is in the low 600's right now. we have some debt that will be paid off by the end of the year. should we get another credit card to improve our rating or is our one credit card enough. by the way it has a 500 limit. i know it will take a while to improve our score to be able to buy a house--but if we can do anything else that will help let me know! thanks

2007-09-12 05:24:14 · 10 answers · asked by nikkylyn 5

2007-09-12 05:08:01 · 3 answers · asked by Anonymous

I've been with this bank for two years and have only had one overdraft error which was reduced by half when I asked them.

Well recently I just overdrew on my account again so what are my chances of them reducing my fees or reversing anything. What can I say to them? Any tips?

2007-09-12 04:40:41 · 3 answers · asked by ZTT477 1

2007-09-12 04:02:54 · 2 answers · asked by Anonymous

Got the Store card in 1996, tried to pay it off but the charges just kept buncing it back up. was getting no where and gave up. Debt free now and responsible. Can they send the Bailiffs round??

2007-09-12 03:38:49 · 7 answers · asked by Sonya D 1

I was just on Yahoo's home page and saw an ad for Countrywide... But yesterday I heard on the radio that they're asking for ANOTHER $2bil after Bank of America already invested the same amount.

Are they still making mortgages? How? Why? I'm so confused!!!

2007-09-12 03:27:22 · 11 answers · asked by Anonymous

i'm 19 years old my credit score is a 599 i have 2 major credit cards and a couple deparment store cards all of which are maxed out and i also have a car that i make payments on....but with the cards if i pay them off about how much can i expect my score to be effected?

2007-09-12 02:43:41 · 6 answers · asked by kevin98789 2

Ok I have a C.C. with a non-paid balance of $2,352 it is still with the credit company. I have a phone bill for $1900 that is in collections. I am at a point where I can finally take care of these debts. The C.C. was originally $300 so that is $2052 in late charges, etc. Anyone know what I might closely be able to negotiate this down to? I am sure I will be paying the phone bill in full though. Now after this is paid I know my credit won't be magically good again. I had heard if I could prove to a credit union I have paid these debts. I might be able to get a car loan this way, anyone know if there is any truth to this? Thanks for any information.

2007-09-11 19:20:04 · 2 answers · asked by Bo 2

2007-09-11 18:59:25 · 5 answers · asked by mark 1

The cerditor is American Express

2007-09-11 15:59:28 · 4 answers · asked by platinumsun0 1

I know that a delinquency will be gone after 7 years on your credit report. But what happens after that? Can the company come after you again and start all over again for another 7 years? I had a People's Energy bill I never paid because they were billing me for a month after I left the apt. and I had called to cancel service. They claimed I never called so I never paid them. Now I need service again and its been 8 years. Can they come after me again?

2007-09-11 15:18:34 · 6 answers · asked by Anonymous