Credit - September 2007

i just got a new credit card in the mail and i have never used a credit card before....i always use a debit card and are they just about the same? any tips that i need to know before i start using it?

2007-09-07 02:10:33 · 13 answers · asked by ceg2581 4

i cant find any information on it, i have been upgraded to it, what does it have information wise?

2007-09-07 01:07:09 · 2 answers · asked by Anonymous

I am of need of a loan i have been on prosper. I really need some suggestions i am of need reall bad i just started my 2nd job today .Seerious answers only

2007-09-06 18:26:49 · 4 answers · asked by dee d 3

i received a call from my credit card center and said that they believe that there was an unauthorized charge on my card and they would help me to close the account and credit back to me...that chard was made on 8/15 and they called me on the 16 so how do they know that that chare was not made by me? Also i believe that my information got stolen, so what's the next step that i can do to protect myself?
thanks

2007-09-06 18:26:47 · 4 answers · asked by bb 1

young lady trying to get her credit straight and get on the right track. Want to know if the people that say they can get your credit straight- does it really work? And how do you know that you aren't getting scammed.

2007-09-06 18:14:15 · 5 answers · asked by T W 1

going back to china and never returning to the usa cause of some immigration issue is it gonna be a problem?
is she going to go to jail or something?

2007-09-06 17:48:43 · 9 answers · asked by harryguudgui 1

I was dealing with a scam company so I got rid of my old credit card and got a new one. But now my bank is charging me 49.81 because they said that I was credited by my bank and another by the company so I now have an extra amount. I told the lady from the credit card services that I did not see the transaction where I was credited back my money from the company. And she said that I did not see it because the money was credited back to my old credit card which was already cancelled. So what happened to the money, I asked. She mentioned something about bulk money and that I should check my old credit card. She was supposed to send me a paper so I could see where the company gave me my money but so far nothing and it's been at least two almost three weeks. Is it possible to retrieve billing information from my old credit card because I don't see anywhere in my new account that I was credited twice. What should I do?

2007-09-06 17:47:45 · 2 answers · asked by Loving.You 4

How do you know which program is good and which one is right for you. I heard their is a way to check there beruo report or something, not sure what its called. How can you see the results and reputation of the debt settlement program or debt consolidation program.

2007-09-06 17:39:41 · 5 answers · asked by Anonymous

The scam company that I am dealing with is called United States Magazine Service in Lolo, MT. I have already contacted the general attorney in that area and sent a complaint form but so far I have not heard back from them. I also let my bank know about the situation that I am in so the company can no longer take money from my account. The only problem is, since I have called the company to let them know that I was refusing to pay, they left me with a cold note that I will be turned into collections in three months. It has now been 3 months and I have not received anymore bills but the magazines keep coming. Should I be worried? Any suggestions?

2007-09-06 17:33:28 · 5 answers · asked by Loving.You 4

2007-09-06 17:10:24 · 3 answers · asked by Anonymous

I've been approved for a 3500 loan over 4 years with 39.5% yearly interest. is this way too high, or acceptably high, since my credit history stinks and i'm surprised i even got approved.

how much over all interest am i paying?

i'm told i can pay it off early with no penalties if this makes a difference.

thanks for the help.

2007-09-06 17:04:58 · 5 answers · asked by thing4reason 2

I did bankruptsy about a year ago, and still can't even open a freaking checking account at some banks. Why do they do that? It wasn't my fault I was sued for $31,000 at my teenage years!

2007-09-06 17:04:39 · 4 answers · asked by timekiller 2

I had to move due to work, and my house has been on the market for over a yr now, plus I'm paying rent elsewhere.... thus leading to contemplating foreclosure due to exhausted finances.

2007-09-06 17:02:12 · 4 answers · asked by James R 1

and medical insurance card and bbank card and account number was in their. 1st off I know it was pretty stupid to have the ss cards in my wallet but I just forgot to take them out.
2nd My baby is just 5 months old I don't even know his ss number...I so confused I don't know what to do....Help me please..has this happen to anyone before?

2007-09-06 16:19:53 · 5 answers · asked by Babygurl 3

I recently learned by looking at my credit card statement that I am being scammed. I closed my account in June (or so I thought) and when I made my last payment to close the account it was returned. I later found out that they never even tried charging my debit card. So, basically, for months I have thought this card was paid off and now its up over $100.00 in late fees I should not have to pay!

Whenever I call to get an answer as to why they keep charging me, I always get the same Indian guy telling me they value me as a customer and will look deeper into it. This company is jerking me around and I wanna know what I can do about it!

2007-09-06 14:27:31 · 7 answers · asked by Sarah 2

I've got 33k in credit card debt spread out over five cards of varying interest rates with balances between 4500 and 11,500. Each month I pay the minimum plus the finance charge on each card. Am I better off continuing this practice or taking the accumulated finance charge of all cards and applying it to one card to pay that one down faster?

My concern is that while paying down one card the others will accumulate at an insane rate and leave me worse off in the long run.

2007-09-06 14:14:39 · 7 answers · asked by shadowriches 2

I have two credit cards from the same company - one is an older account with a higher interest rate, the other is a newer account with a better interest rate. Both cards have balances that will take some time to pay off, and both charge an annual fee.

I recently received a notice that the newer, lower-rate card's interest rate will be going up to match the rate of the older card. I'm trying to get both balances paid off, but the rate going up will make it tougher to do this. The notice said that I can 'decline' the higher rate by closing the account. Closing the account would save me money from additional interest and from the annual fee.

Is there any downside to closing the account, and if so how does that weigh against the additional money not closing it will cost me?

Any serious advice is greatly appreciated - thanks!

2007-09-06 14:06:13 · 13 answers · asked by Bess2002 5

I would like to close some of my accounts I opened my accounts to build credit to buy a house and now that I bought my house I would like to close some of my account. Would closing my credit cards and store cards hurt my score and if it does for how long .
and which credit card should i keep I have
2 amex cards gold card and other 1hsn 1ikea 2bank of america 2 chase 3 hsbc bank 1 capitol one and 1target visa
my bank of america are my oldest card and I only want to keep 5 cards
and buying my first home at 23 a mistake or I should of waited because i am still a college student info please thanks

2007-09-06 13:30:12 · 5 answers · asked by Anonymous

me and my husband were reported to chex system and i really need to get out of it.. they told me i needee to contact my last bank but i dunno what to say or how to beg for me to be taken off... i really need to get an account... me and my husband are struggling to pay off some debts that only accept payments from an account... please help...

2007-09-06 13:24:36 · 4 answers · asked by cupids_victim11 2

by getting rid of 146,000 worth of debt?

2007-09-06 12:51:26 · 2 answers · asked by Kelly V 2

Transunion with score
Transunion without score?
Experian with score?
Experian without score?
Equifax with score?
Equifax without score?

2007-09-06 12:44:24 · 2 answers · asked by Anonymous

I have a friend that borrowed alot of money the kind that was direct deposit and after she got the money she closed her account and moved to another state will I be in the wrong to turn her in and tell them where she is at?

2007-09-06 12:40:44 · 7 answers · asked by Anonymous

i have been a renter for nearly 22 years

2007-09-06 12:37:01 · 4 answers · asked by Anonymous

2007-09-06 12:31:45 · 2 answers · asked by Anonymous

I owned a business (sole proprietorship) which was closed. All but one debt was paid off. The business has been closed for 12 years, and about 4 years after it closed, I got invoices for an unpaid phone bill. I still haven't paid it, and strangely it has not showing up on my credit report for any of the 3 bureaus. I have very good credit and this collection is just not on there. I heard that 7 years was the limit that an agency can collect on something. I have no intentions of paying it since its not on my reports, but I am tired of getting bills from this company, and have asked them to stop sending me bills, but they keep on coming anyway! Any ideas?? Thanks.

2007-09-06 11:53:34 · 13 answers · asked by Dragon 1

I have lots of debts and I was planing to go to those companies were they settle your accounts and settle only half and pay the rest to have some good on my credit and rebuilt it but is this possible?

2007-09-06 11:03:05 · 5 answers · asked by Anonymous

I am an international student from another country. What happen if I leave the US next month without paying off my credit card debt that I own in here? What are the things that would possibly happen?

2007-09-06 10:43:36 · 5 answers · asked by Anonymous

I can get mine but my husbands free annual report(just Transunion) and one he tried to buy from Transunion said they couldnt verify so he called and kept answering questions and apparently they have some address he has never resided at cause he rattled off all the ones he has lived at. It is being a pain in our butts we just wanted to keep track of our credit score!

2007-09-06 10:26:02 · 3 answers · asked by Jenn N Kentucky 4

ok i was on itunes bought something and i had a prepaid card and bought a season of a tv show and I only had .49 cents on there and it was 15$ so is it already payed for?or when the billing info comes to me i pay it than?or what i am fairely new to this

2007-09-06 10:25:31 · 4 answers · asked by shaggy2dope19234 1

I am applying for an fha loan. I need a mid score of 580. What can I do to raise my score 55 points in 4 months? I have paid everything on time for 2yrs. I have had some incorrect items removed from my credit with the help of an agency. I have one credit card w/ a limit of 300 w/ a balance of 200. I bought a couch on credit to help raise my score. I owe 800 on it which is being paid on time. What else can I do? Please help.

2007-09-06 09:58:35 · 8 answers · asked by Diana G 3