Credit - September 2007

2007-09-06 09:31:36 · 6 answers · asked by Anonymous

2007-09-06 09:22:46 · 11 answers · asked by Nhut N 1

2007-09-06 09:21:12 · 7 answers · asked by Annamarie G 1

I paid my my mortgage late two months in a row. But have been back on track for the last 3. Was hoping my credit score would move back up soon because I noticed from my FICO score it went down quite a bit due to the late mortgage payments. And I have no new credit or anything. Actually paid off 2 credit cards that carried small balance like under $300 for both during that late period.

2007-09-06 09:11:28 · 4 answers · asked by kd 1

2007-09-06 08:24:02 · 4 answers · asked by TXHIMstudent83 1

My boyfriend is 28 and has never had a credit card because his father discouraged it. Now that I have talked him into getting one to build credit, he cannot get approved for one. He has applied for a Visa card, a credit card through his bank, and a gas card, but all turned him down. I know a store credit card is am option, but every time he applies without getting approved, it can hurt his credit. Does anyone have suggestions on how he can get approved or build some credit? I know financial advisors work more with investments, but would it be worth for him to talk to one about advice about his credit?

2007-09-06 08:17:00 · 4 answers · asked by vagirlhi 4

I just got a World Points card and it's one dollar spent- one point earned. 25,000 points gets me a ticket anywhere in the US. How much do you have to spend to get a flight?

2007-09-06 08:10:51 · 5 answers · asked by MeaCulpa 3

I know you received my return product because I received the green postal card and you said my money would be refunded. So what gives? You've had more than enough time to take care of this.

2007-09-06 08:08:26 · 10 answers · asked by Betty H 1

If so how is the interest rate calculated according to the risk rating.

2007-09-06 06:58:32 · 5 answers · asked by Anonymous

Because of medication that I'm required to take and have been on since 1999, since I have no medical insurance, I've had to continually throw the costs of meds on credit cards. I'm making more money now than a month ago in my last job, but I'm still only able to make the minimum payments.

I don't buy useless stuff, just what I need, not want, NEED. My dad is hinting at me to get a place of my own becuz his witch of a wife is putting him up to it. If I didn't have all this debt, maybe, just maybe, I could afford a studio apartment. I know the bankruptcy laws have changed since like 5 years ago or whatever or even less than that, and I know they make it a lot harder for you to get rid of your debt. I don't know what to do. I've contacted non-profit credit card organizations and they just tell me I need to find a job that makes more money. Well, that's really easy for them to say, especially when I don't have a college degree. Do I have a chance?

2007-09-06 06:36:33 · 13 answers · asked by Anonymous

Let say my car is repossesed, becuase I can not pay it anymore, I know my credit will be hurt, but I heard that if the bank sell it on an auction for less of what I owe then I will have to pay that balance. What happened if I can't pay that balance, I don't have the money to pay it monthly, how come I am going to pay the balance? I live in Florida, what is the law about that.

2007-09-06 06:28:24 · 7 answers · asked by Anonymous

Please tell me which way the money going to the seller when we paying online using our credit cards? And if I want to sell anything from my site how can I collect money from credit card payers?

2007-09-06 06:08:28 · 4 answers · asked by Anonymous

My credit score is 761, I have 6 credit cards and a car loan and my 4 school loans are paid off years early, how can I make my score higher?

2007-09-06 06:07:56 · 11 answers · asked by *Butterfly* 3

I understand as long as I don't close the old account I'm OK as far as maintaining a good credit score. BUT, since I'd be opening a NEW card, would that be a problem? I never cared about the interest on my current card (I paid in full every month), but that is impossible now. That's what happens when you start a business, I guess. No balance transfer fees possible anywhere? Currently @ 15.99% interest. When would it be OK to close that other card, if ever? Thanks for all your help!

2007-09-06 05:56:43 · 5 answers · asked by herfinator 6

I want to increase my credit score, but am confused as to how it works. I have 2 judgments against me when I used to live in another state. I have collections, mostly medical. I have 2 credit cards that have been charged off. I have no open lines of credit except student loans. Should I pay the charged off amounts, or forget about them and get 2 secured credit cards to increase my score. What should be my 1st step?

2007-09-06 04:52:36 · 7 answers · asked by kewanda t 2

or if you settle instead of paying in full it also harms your credit score. The reason I ask is because I want to buy a house with out having a co-signer and my credit is in bad shape right now but I want to pay some off but I've gotten mixed answers. Please help me someone. Thanks

2007-09-06 04:36:32 · 14 answers · asked by DONNA R 1

I JUST bought a truck,with a payment of 599.00/10.50% at 72 months. I can pay it or else I wouldn't have got it, BUT is there a way to make my payment lower. My bank or credit union...thanks

2007-09-06 04:35:58 · 3 answers · asked by freedomfightr67 2

do we still have to pay anything after we signed the agreement of Deed in Lieu? what if we have a 2nd mortgage, will that be a problem too?

2007-09-06 04:20:29 · 3 answers · asked by Anonymous

The mechanic says I have to change the Torq converter with some joints, etc. and with him this will cost me around $1000, if I go to the dealership it will cost me around $2 -$3k or more. I tried to trade-in for another car but my score is 578 and I owe on the truck $25k and they want to give me for it $15-$17k. So it will be upside down from $8-$10k. That is a lot of money. I think I have a lemon car so I think I will give the truck to the bank (voluntary repo), because it is not fair I spend a lot of money on it plus my monthly payment and the truck value is $10k under of what I owe. I know this will damage my credit but I have no options. Do you think later on if I have $3k I can buy another car on a dealer? What do you thin I should do?

2007-09-06 04:08:23 · 7 answers · asked by Anonymous

My girlfriend is twenty six and has zero credit. I want to help her build a credit history so we can eventually buy a house. My concern is that while currently my credit is in good standing, and my overall scores are on the upswing I did have a lot of trouble in the past. Would my checkered credit history affect her in a negative way, considering that I am currently in good standing with all of my accounts?
Oh, and I would trust her with all my assets in cash, so that's not a concern at all.

2007-09-06 03:32:58 · 13 answers · asked by Ricardo Montalban 2

I think it is illegal, but I'm not sure.

2007-09-06 03:25:29 · 6 answers · asked by No Way 3

Primary Mortgage Insurance is outrageous on my loan, what can I do?

2007-09-06 02:48:13 · 6 answers · asked by fuzzyfatrabbit 2

I know there was a time when few stores or businesses took either card.

2007-09-06 02:33:06 · 6 answers · asked by Anonymous

A capital one card was opened without my husbands knowledge. He called and they sent him a letter saying he was not responsible. So they changed the account number and keep sending him a bill. We have called and sent copies of the letter etc... What do you have to do to deal with them. UGGH!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! I really don't want to pay the bill, but we are trying to rebuild our credit and don't want it destroyed either. Fraud Protection What a joke.

2007-09-06 01:30:17 · 3 answers · asked by mary s 3

Are there a place in Southern California or website where I can get loans $300 without employment? I need to pay some debt right now but I am not employed yet. are there website or places in southern california where I can borrow money without employment telling them that I will pay back in few months?

2007-09-05 17:06:39 · 4 answers · asked by ilovechinachina 1

2007-09-05 16:56:24 · 5 answers · asked by Anonymous

I know most people dispute information online. I want to do it over the phone, I know it can be done because I've heard of people being able to do so, I just cant figure out how. I don't want to talk to a machine either.

2007-09-05 16:51:39 · 5 answers · asked by jess 1

i have been applying to multiple places to get a credit card in order to build more credit. however i have been denied due to lack of credit. i am only going to use it once or twice a month and pay it off immediately.

well i finally found a place(sears/kmart) that will approve me for a credit card. the only problem is that i really don't do a lot of shopping at these stores, so i was wondering what is the minimum i would have to spend and repay each month on my credit card for it to contribute to my credit rating?
for instance could i just go in there once a month and buy a pack of gum with credit card, pay it back, and have it help my credit score?

thanks

2007-09-05 15:55:04 · 12 answers · asked by b n 1

I got my roomates credit card as he owes me money so i started using some money and now he is gone, I dont know where he is now, maybe not even in the country, and if for some reason collections agent come in and as him, will it affect me ? I mean, I know he did a lot of credit cards and didn;s pay them off........(one of them will be the credit card he gave me to use so he can payoff his debts to me)
we used to live at the same apartment for more than a year...

Thanks

2007-09-05 15:50:29 · 23 answers · asked by Anonymous

My boyfriend's ex girlfriend stuck him with about 15k in debt that she's refusing to pay for. Credit cards that she maxed out without his knowledge, a mattress that the took & stopped paying for, a washer and dryer that she stole out of his house, carpet that needed to be replaced because her dogs destroyed it, unpaid rent for nearly a year (we live in another state and couldn't very easily force her out of the house).
All of these things she's made previous payments on and acknowledged responsibility for, but after we kicked her out, she stopped paying on them. We're trying to avoid the inter-state court hassle. Can we send her to a collection agency?

2007-09-05 15:40:34 · 6 answers · asked by Roland'sMommy 6