Credit - September 2007

I've become a co-signer for $20000 student loan for my son, who's not a US citizen or permanent resident yet.
I have a perfect credit history and mortgage free properties. I'm planning to sell them off and move to California, buy property there. And I will need a big credit line.
Is being a co-signer decreases the amount I can borrow in the future? Thank you.

2007-09-05 13:26:45 · 2 answers · asked by T G 1

I am a SAHM of 3 and I was wondering if there were any cards out there that will give you a credit card without a job?

2007-09-05 13:09:26 · 8 answers · asked by Anonymous

I am so confused! Im not very knowledgable about credit card intricacies, even though I have one..one with a substantial amount of debt on it.

My credit card APR has always been 17.15% and I usually make all of my payments right on time, but because of some unforseen problems last month I didnt make the payment on time. This months statement says that my APR is 32.24%. I am aware that you are charged a fee for late payment, which my account has been charged, but why would my APR be so high??

2007-09-05 12:45:45 · 8 answers · asked by cagedheat3 2

if so many of us americans have bad credit, who are getting loans and where since we parade around the world telling and showing everyone outside the us we care and here's a blank check

2007-09-05 12:41:53 · 6 answers · asked by Ray S 2

i know fincail ruin by doing so.. but i was in over my head and moving out of state no job and needed to cash in it to move.. i pay half of all my bills except for 3..acutally i paid 2 of them off. i got about 3000 dollars left.. and they are around 2000 dollars each.. should i do the same to them.. i have a trailer i am waiting to sell and then i can pay everyone off..i now have a job.. luckily i got one with in 2 days of moving here..on of them is chase and the fees keep going up .. what can i do to lower them.. if i called them and offered to pay them off it they delete the over the limit and late fees as i am 3 months late .. will they do that and would that be wiser because i want to cancel that card but keep the sears.. i am only around 200 late on it and 300 late on the american general

2007-09-05 12:34:52 · 2 answers · asked by vis 7

The payments went into arrears for a number of years before a collection agency came after me for the money. Now my credit rating has been negatively affected and no one at the cell phone company or credit agency can provide me with any information as to how to fix this.

2007-09-05 12:26:33 · 6 answers · asked by JasCaDoA 2

I've just applied as a cosigner for my son's college loan. Will it affect my credit score and the amount I'd be eligible to borrow in the future mortgages and home equity loans? (I have a perfect credit history and some mortgage-free properties)

2007-09-05 11:17:50 · 2 answers · asked by T G 1

is a credit score still essential? in what sense? there are lot's of advertisments saying "0% APR and after that is 8.9% for bad credits." and then whenever i check my yahoomail there is always an ad that says, 'sour credit? sweet card." there are also cars, loans, credit cards, mortgages, refinance that requires no downpayment plus good APR rates. how essential are credit scores nowadays?

2007-09-05 11:08:37 · 3 answers · asked by jeremy 3

I am looking forward to purchase my home next sept and I want to know your opinon on what would be the best way to raise my credit score. It seems to be stuck and not moving up or down.

2007-09-05 10:51:05 · 15 answers · asked by SHAUNIE 2

...will they re-open the account if the balance was immediately paid off?

2007-09-05 10:18:11 · 3 answers · asked by jballerina00 2

2007-09-05 09:53:39 · 35 answers · asked by SadToday22 3

I have a Personal Loan for $5,000 which I used to pay off my Student Loan, and a credit card that I owe $5,500 on. (My limit is $5,800!) Is there any GOOD ways of consolidating this debt into one payment to get rid of one interest rate? I'm not usually struggling to pay my payments and I can't see paying rather high interest rates on BOTH of these loans. Any words of wisdom?

2007-09-05 09:52:25 · 6 answers · asked by Anonymous

2007-09-05 09:48:47 · 3 answers · asked by Anonymous

My husband applied for a payday loan online. First a lady named Nikki from Delacom called to verify information. She asked him if he still wanted the loan and he said yes. They deposited the money....blah, blah, blah. Now a lady from AIP named Margie is calling about the loan. He told her he received it through Delacom and was told that it is through AIP now. Well we are going to pay off the loan this Friday, but he asked her why didn't he receive the loan documents and she told him that he didn't need them. I thought they had to give you the loan documents for it to be legal. Now I'm worried that they are going to take out whatever they want for as long as they want because he doesn't have the loan docs. Can they do that??

2007-09-05 09:26:12 · 6 answers · asked by mommyof2 2

I am a mother of 2 and I workfull time, so it would be really hard for me to get a second job away from home, but does anyone know of a legitimate work from home company that charges no money up front? Thanks for your help!

2007-09-05 09:06:22 · 6 answers · asked by lookinout 2

o.k i have a total debt of $5500 in all my credit cards! o.k, but sometimes i cannot keep up with all the payments beacuse it's difficult since all the due dates are in different dates! and it would be easier to make just 1 easy payment, if I get a loan of $5500, and pay all my cards! + cancel the accounts

is it a good idea?

and i would like to know if those tyoe of loans lower your credit score?

any advice? thanks

2007-09-05 09:06:02 · 6 answers · asked by Not of This World Returns 3

Hi peeps I need a Good Credit monitoring service to monitor my credit and give me alerts every time my credit score changes or when i have other changes. I currently have Myfico.com but i don't like the fact that aside that im paying a monthly 10 dollar fee I still have to pay extra for my power scores. any good ones?

2007-09-05 08:34:37 · 3 answers · asked by Jesse L 1

i got a couple of payday loans because i desperately needed them and now they are trying to take money out of my bank account in which i have nothing in, my employer sends me my check to a bank account my boyfriend had to put me on so that they wouldn't be able to touch my wages, i mean what can they do if you're in the state of texas?

2007-09-05 08:26:17 · 11 answers · asked by janice1 1

If so, does anyone know where I can get the forms to request them by mail? Online sites would be helpful as well as general knowledge. ;0)

2007-09-05 07:46:15 · 8 answers · asked by ~*LilDebbie=BigDeborah*~ 6

What kinds of offers can I be approved for with a credit scor of 525? Dell turned my down for a computer and all I have is a credit card with a $300 limit. What else can I be approved for?

2007-09-05 07:43:23 · 7 answers · asked by lil_model05 2

2007-09-05 07:31:04 · 7 answers · asked by caliw1983 2

In the Los Angeles/San Fernando Valley region homes are 450,000 plus. I can muster 5% down, but with my credit score am I just dreaming about buying a home or do I have a chance?

2007-09-05 07:17:23 · 7 answers · asked by littlemoglie 1

2007-09-05 07:16:27 · 8 answers · asked by Lucky 3

2007-09-05 06:15:02 · 11 answers · asked by boredTOdeath 2

I have25000$ in my saving account....my credit is bad..i have cash in my bank for 25k USD. may i get a loan for 20-40k from my own bank?? or they go by credit..

2007-09-05 05:51:11 · 3 answers · asked by mahesh m 1

2007-09-05 05:48:57 · 8 answers · asked by jaydens_mommy. 2

I just need to know which is the better option.

2007-09-05 05:48:36 · 8 answers · asked by Anonymous

2007-09-05 05:47:00 · 5 answers · asked by phillyman2633 1

I am wondering what peoples experiences are. I have about $25,000 in credit card debt and around $30,000 in student loans. The credit cards are surprisingly well under my limit. I would be interested in consolidating the credit card debt especially, as it seems those are going to last forever. Any advice?

2007-09-05 05:28:20 · 5 answers · asked by petrochirus 2

2007-09-05 05:16:54 · 9 answers · asked by EFRAIN D 1