Credit - September 2007

I heard you have to wait 10 years after your last study date to claim bankrupsy in Canada? Is this so? Student loan is for 60,000

2007-09-09 11:29:59 · 5 answers · asked by shade_under_water 2

ok about a week ago i was in debt 15,000..to tell you the truth, i was pretty comfortable with that..but something happened and now ill owe 25,000..just thinking about it makes me want to throw up and i start to sweat real bad. I never waned to cross 17 because thats when i get iffy and now im screwed. I make decent money but itll take 2 years to pay that off. Now my questions is, is there anything i can do..obviously, if you owe money, you need to pay it off, not move it around with debt consolidation. I know, but im really stressed out and i need some advice. Please no comments like "your pathetic" or "racking up that much was stupid"..whats done is done. i mean i checked my credit score and its 800..but id rather have a score of 690-710 and owe 5,000 than this..

2007-09-09 11:27:12 · 9 answers · asked by Greg 1

2007-09-09 10:36:17 · 9 answers · asked by Lynn W 1

cuz i need one for sumthin and i aint got a credit card

2007-09-09 10:34:18 · 6 answers · asked by Anonymous

i am looking to get a home loan and my score is 691 and all i have is a car payment of 385 a month. i make about 37,000 a year and my wife who has bad credit makes 25,000 a year would we be able to get a loan for a home by the way my wife has bad credit.

2007-09-09 10:05:35 · 5 answers · asked by Anonymous

I tried to get on a payment plan, but you have to have good credit and that I don't have plus I used a co-signer and they have know established credit, and she's the only person I know here that could have helped, now what do I do? I have not found a dentist that will work with me all they say is the money up front or you can't get nothing done, I have medicaid but that only helps people that is 21yrs old or younger, I also tryed the ameriplan and but the dentists fee's are still to high to get enough of a discount, I guess I'm out of luck, but the pain is terrible.

2007-09-09 09:07:16 · 5 answers · asked by beautifulmoonchild 1

2007-09-09 08:31:50 · 2 answers · asked by cynthiaturnier 1

I know I owe them money but they call me and hassle me and then keep calling me back. When I say calling me back they call me over and over within the hour. Like I said I know I owe them money but if I don't have it right now can't they take that for an answer???

2007-09-09 08:20:22 · 6 answers · asked by markm30 1

2007-09-09 08:05:17 · 9 answers · asked by cuteness 4

it said I had no bank accounts and no job history! why is that??

2007-09-09 08:04:11 · 6 answers · asked by cuteness 4

2007-09-09 08:03:13 · 7 answers · asked by cuteness 4

They have upped my finance charges to where I can never pay it off anyway. My minimum payment (which I now cannot afford) would only serve to pay for now huge finance charges every month. What is going to happen if I don't pay it off. I'm a college student and I own nada. I called and they won't lower it. I can't afford it and have no incentive to even attempt to pay it off since it will never end since they've increased everything. So if I just stop paying it, what can they do?

Obviously, I know I can't use the card anymore, but what else can they do?

2007-09-09 07:15:45 · 22 answers · asked by Kevin N 2

We have a few unused Credit Card accounts that will remain unused because of high interest rates. If we cancel them it will mess up our credit score. whay shoulds we do , just sit on them?

2007-09-09 05:29:52 · 9 answers · asked by Anonymous

They are very annoying. how do you stop them other then paying them?

2007-09-09 05:00:02 · 5 answers · asked by Martha A 1

please is there iny thing i can do to help her and remeber im not a little kid i dont live with my mom

2007-09-09 04:29:08 · 2 answers · asked by Anonymous

Increase my credit line?
I only have 2 credit cards and one of them is capital one which has a $300 limit however now they sent me a letter stating I can increase my limit to $500.

Either way, I am only using less than 30% and I am paying it in full every month. So my question is which is better for my credit? Do I keep it at $300 or let them increase it?

Also what about if they keep increasing it, what should I do? I just want to do what is best for my credit. Thanks.

2007-09-09 03:45:03 · 5 answers · asked by Anonymous

I understand Target and Walmart offer instant credit approval. But I was wondering if I submit a credit application online, upon approval can I go to Target and/or Walmart same day to use the credit and make a purchase.

2007-09-09 03:36:50 · 7 answers · asked by jeffatkins23 1

i just got this credit card like one week ago and it has a $500.00 limit and i would like to know whats the best to way to improve credit score and how long does it take?

2007-09-08 23:45:25 · 4 answers · asked by playa 1

If a store had a promotion running where you could save money by signing up for their credit card and you were to cancel the application the next day or so before you got the card, would that negatively affect your credit or would it be fine so long as you do not purchase anything?

2007-09-08 19:41:06 · 5 answers · asked by Alan 2

or should i split the money into all three cc. i owe 9000.oo

2007-09-08 19:13:42 · 8 answers · asked by Anonymous

All I want to do is close my Mastercard account. I called MC and the idiot told me that I would have to write a letter. This cannot be accurate. Does Mastercard have a website or this support agent the "B squad" and mistaken on procedure?

2007-09-08 17:49:07 · 7 answers · asked by I_I_ME 2

I had to buy a used auto from 'we finance' like early this year due to no credit establishment. And I have been sucked paying over 200% of the blue book price. And I don't want to keep paying that because financial situation these days is not really good. If I stop paying monthly payment and they repossess the auto, how would it affect my credit and what else is expected to happen?

2007-09-08 15:07:09 · 7 answers · asked by Anonymous

I applied for a cash advance with United Cash Loans and some company named SJM marketing deposited money in my account and I never filled out anything with them! and they take money out my account every week. I tried to call their number but it is bogus anlong with their website

2007-09-08 14:59:53 · 4 answers · asked by Anonymous

I was just wondering what was a safe and secured site to go on that you don't need a credit card and is free other then freecriedtreport.com??

2007-09-08 14:07:41 · 4 answers · asked by beautifly459 2

starting off with 300 dollars of credit, my payments are only $15 a month.. When they up my credit limit to 500, would payment increase as well?

2007-09-08 13:54:53 · 3 answers · asked by ♥ LovingMyLittle1 4

I'm currently doing some credit repair and I'm wondering when the statute of limitations actually starts on debts, how it can be renewed, and more useful credit repair info, but I'm looking for reliable sources.

2007-09-08 13:53:23 · 2 answers · asked by Anonymous

what does this statement mean? i send payments to the credit card company every two weeks. i always send twice what they ask for. why would they deny me?

2007-09-08 13:47:04 · 6 answers · asked by melannie21 2

i just recieved my 1st one from Capital one.. Whats the best way to maintain it, and enlarge my credit limit.. Do you make 1 big purchase and pay it off in full.. do you pay the balance off completely before buying more stuff.. Do you use it for everyday use and keep it to a minumum?

Whats the smartest way to shop with credit?

2007-09-08 13:43:24 · 9 answers · asked by ♥ LovingMyLittle1 4

iv set up a direct debit using my credit card bank sort code and account number. Does this act as a normal direct debit and the company would just deduct the amount from the balance of my credit card. Or do I have to fund the account? Im confused

2007-09-08 12:21:14 · 3 answers · asked by Billie F 1

I have a checking account already established with a credit card from the same bank. I am unhappy with the service I have received with them and I am planning to switch to another bank.

Before I close my current account, I would like to know should I start my new checking account with the new bank now and apply for a card when the account is established?

Or should I apply for a credit card now before I start the new account?

My concern is closing my current account and starting a new checking account with a new card would not look favorably for my credit. However, would starting the new checking account first make approval easier since I would have an account established with the new bank?

2007-09-08 12:09:13 · 3 answers · asked by C.S. 1