Credit - September 2007

I want to start looking into the option of getting professional assistance to get out of debt. I'm not going to mention any numbers, but the debt my wife and I have accrued over the years is ... well, staggering.

Anyway, I know some company's are out to scam people, and I was wondering if their was any way to research various agencies?

I'm not sure of the term I am thinking of, but the types of companies that I am referring to give you an agent, then the agent negotiates deals with your credit lenders to lower interest rates, then they give you a flat fee to pay monthly and an estimated time of paying off your debt.

2007-09-11 15:13:16 · 9 answers · asked by CodingAway 2

I have come upon multiple companies that say they can help with credit card debt, but which ones are the best? I want my good credit back!

2007-09-11 15:06:09 · 7 answers · asked by amber 1

Some credit cards my offer no fees but still use an inflated conversion rate of Euros into USD. I would like a credit card that will not charge me extra everytime I use it in a different country.

2007-09-11 14:49:42 · 3 answers · asked by Anonymous

2007-09-11 14:47:25 · 3 answers · asked by Amy M 2

I currently have one credit card and one checking account. My current credit card has an APR of around 12%. I just got an offer for another card with an APR of around 9%. My current credit card is maxed because I haven't been paid for work I've done this summer yet, but in about 3 weeks or so it will go back down to a $0.00 balance.

Should I get this other credit card to try to raise my credit rating?

I know that it is going to go down slightly because of the last 2 months statements on my current credit card. But if I do not accumulate a balance on my new card, only use it once or twice a month just so it's active, and keep my other card paid off as well, will this raise my credit rating? Or is having two credit cards a bad idea when you are trying to build credit?

2007-09-11 14:11:41 · 6 answers · asked by Anonymous

2007-09-11 14:05:14 · 6 answers · asked by Anonymous

im 20 ,I have a 23% apr (i know im going to get rid of it)credit building card ive had for a year now already. i have a student zero % apr card and jewelry card i dont use. my car is a 04 blazer and is financed through americredit at 11.40 % apr at 72 months ive had 6 payments with a cosigner my current credit score is 696 and its been the same for sometime now and wont change i want to refinance to get a lower rate and get my cosigner off but keep getting rejected by both of the banks i bank with national city and us bank what should i do.

2007-09-11 13:55:30 · 3 answers · asked by gamewizz 2

Sometimes stores will charge me $0.25 or $0.50 for me to use my credit card. Some places do this only when my purchase is below a certain amount (under $5.00 and they charge you an additional $0.50), but some places do it for all credit card transactions.

What are the laws around this? I thought that it wasn't legal for businesses to charge me the transaction fee that they have to pay for accepting charge cards? I thought that they are required to build these charges into their prices, but that they couldn't just force me to pay them directly.

2007-09-11 13:38:22 · 4 answers · asked by heyotwell 1

If you request a credit increase on your credit card (regular or credit card for a store, etc.) does it run yours credit? I am buying a car soon and do not want my credit ran, which is why I am wondering.

2007-09-11 12:55:01 · 11 answers · asked by ~*Amy*~ 2

I owe a credita card money and they had sent my debt to a collections agency. Well I have no dinero whatsoever to pay this debt and they kept calling and sending me letters, I tried to send as much as I could but then I stopped because I had a baby and had no money coming in, they put a judgement against me and went to court and jacked up the amount. I recieved a letter about 2 months ago about them wanting the judge to put me in jail for 5 days for failure to fill out interogatorries sheet, I filled it out and sent it. The court date passed, I wasnt supposed to attend but I havent heard anything since,I have called them and they dont return my phone calls. I checked my credit report and it says charged off-- I dont know if they gave up or if something horrible will happen to me, any advice?

2007-09-11 12:34:38 · 7 answers · asked by linda mari 1

I want one for my birthday, and would like to know if you can keep putting money on the card after you run out.

2007-09-11 11:33:23 · 3 answers · asked by Kaela 2

any info would be good

2007-09-11 11:31:35 · 5 answers · asked by Anonymous

2007-09-11 10:56:41 · 4 answers · asked by Anonymous

My boyfriend and I want to buy this one house, but we don't have perfect credit. What is an agency that can help us?

2007-09-11 09:55:14 · 12 answers · asked by Anonymous

Does it mean the name of the account holder or something else? First correct answer will get best answer as I'm ordering something right now and need the information :P

2007-09-11 09:53:56 · 10 answers · asked by Anonymous

I had some work done on my house 2 years ago, I paid by check, and it was never cashed. Now 2 years later I am being contacted by the busness saying I never paid. Can they do this?

2007-09-11 09:52:53 · 6 answers · asked by Joe C 2

I want to check my credit score for free but when i get to one that says it is free i have to enter credit card info.Is there one that I can go to to get the report without entering credit card info.

2007-09-11 09:48:31 · 6 answers · asked by vette 99 1

i figure its a scam since the bbb says the address the company gives is false...but checking anyway.

2007-09-11 09:44:19 · 2 answers · asked by mukw 1

I would like to get a pre payment card, as i can't get an actual credit card & don't really want one anyway. Just wanted the pre payment card so i can purchase things online. Really annoying having to always ask a mate to do it for me! Don't want to be paying high monthly fees or anything like that, because as i said just want it to use online. Would be gratefull for your advice :-)

2007-09-11 09:42:18 · 5 answers · asked by Sugar 2

can you get charged for theft for non payment of loan i rec'd a loan 2 months ago at a area loan company for 350.00 and lost my job and am unable to repay the loan back they left a message and said they will file theft charges. I am in texas.

2007-09-11 09:40:33 · 9 answers · asked by julz3494 1

2007-09-11 09:21:12 · 4 answers · asked by Anonymous

My problem is thatI share a mailing adress and the same name as my father. His credit is rock solid, but I am scared that having too many accounts on my credit report makes me look like a high risk. The accounts showing up on my report are credit cards with huge credit lines, but zero balances and he has had them for quite some time. From what I understand that makes me a credit risk if I factor in my couple of credit cards with much smaller balances.

2007-09-11 08:13:14 · 5 answers · asked by Frank R 7

I've already gotten my free credit reports from annualcreditreport.com but now I'm looking to monitor my credit score periodically from all three bureaus. I know that FICO is probably the biggest credit score service is their number that much different than what I'd get from the credit score source that Equifax, Experian and TransUnion use?

I just don't want to pay so much more for nothing. If FICO says my Experian credit score is 700 and I go to Experian.com and their service says my score is 692, I don't see the difference.

Thanks.

2007-09-11 06:52:36 · 8 answers · asked by lamontsmith13 2

He wouldn't mind if I got it for him but I ain't using my credit card to do that.

2007-09-11 05:17:19 · 4 answers · asked by orchard_littlejoe 2

I'm 33 years old and in the process of rebuilding my credit from my reckless youth. I've paid off almost all my outstanding credit card debt and have a few new cards that I'm doing well with but I would like to watch my credit scores rise from all three reporting agencies (Equifax, TransUnion and Experian).

I know the score has gone up some in the last few months and my ultimate goal is home ownership so I would like to monitor them.

I went to myFICO.com but I believe that is a one-time kind of report/score. I'm looking for updated monitoring. Does anyone know of a RELIABLE company that will do this for me?

Thanks.

2007-09-11 05:15:44 · 7 answers · asked by lamontsmith13 2

2007-09-11 05:11:59 · 11 answers · asked by Anonymous

I need some help organizing my debt. I want to learn how to deal with my debt better and eliminate it faster. CCCS seems like a well known company but Im still leery. Also, I can't afford my bills so obviously, I wont be able to afford counseling services. Any info/opinions especially from those who have been in my situation would be helpful. Thanks!

2007-09-11 04:52:11 · 7 answers · asked by Anonymous

I've had a full-time job since I was 15 and I have been the support system for my ENTIRE family since (no joke). Ok so i've leaned on my credit cards for everything: rent, groceries, books, tution, lunch, metrocard... everything for the past 2 years. Now the lousy job my mom had laid her off, she was helping me but now I do not know what to do... Every bit of me is stressed and I am almost tearing confessing this to the public. I honestly cannot sleep at night anymore and have anxiety attacks that results in over eating... I've gained 15 pounds over the summer alone... I cannot believe I am saying all of this but I desperately need advise. I am in my senior year at college and was hoping to go to law school but I just can't cope with anything anymore. Please help

2007-09-11 04:46:14 · 15 answers · asked by Anonymous

I am 25 and I have virtually no credit and I am looking into getting a credit card. what do you think is the best card to start out with?

2007-09-11 04:39:54 · 11 answers · asked by vern 5

I currently have 5 creditcards, 2 of which I use regularly because of cashback rebates. The other 3 have no rebates, but I've had them for more than 5 years. Is 5 credit cards too many?

2007-09-11 04:36:36 · 7 answers · asked by Ming 5