Credit - September 2007

I've done some crunching on my expenses and I've got to make some hard choices. I've just started a program for an MA in history. My BA is in the same thing. However, it looks like I won't be getting much financial aid, except for loans.

I don't think I can work a full-time job and succeed in grad school. I successfully did it during my undergrad, but grad school takes more concentration. I have enough in savings to last 2 years if I work part time. At the completion of my master's I'll be about broke.

They're offering me $8500 a year in loans, which is about what I need for school and rent. But then I'd be adding $17k to the $10k I already have in student loan debt.

Or should I go to work full time, save some money, and come back to school?

2007-09-04 09:31:39 · 9 answers · asked by redguard572001 2

when does it start. ive heard it starts from the date it was sent to collections and other ppl have said it stays on there for 7yrs after a zero balance.and the 7yrs can start over if you start to pay it later. is that true?

so if something is on your report for 3 years and you pay it then it will start over at year 1...

does anyone really know?

2007-09-04 09:25:41 · 6 answers · asked by nikkylyn 5

I guess Im a little slow. I have several old debts that I want to get validated, or dismissed. What steps, in detail do I need to take to get them validated? And what do I send to the credit bureaus?

2007-09-04 09:24:03 · 3 answers · asked by hasdad62 6

Is it likely they will get refused again for that? I mean, will it definitely happen?

Has anyone been refused credit for one thing then accepted for another soon after that?

2007-09-04 09:06:30 · 14 answers · asked by blackmamba5069 1

i try to work out a deal with my credit card company they did not want to hear it they turn me in to collections and they call me up day and night and at work harrassing me, what can i do , they want all the money it started out at $500.00 now its up to 1700.00, i dont have that kind of money i offer to give them 25.00 a month they refused

2007-09-04 08:30:37 · 12 answers · asked by Linda B 1

I recently cancelled My URGE music account in advance of the billing date. I cancelled this account because i was not satisfied with the service and 'cos I knew i WOULD NOT HAVE ADEQUTE FUNDS IN my DEBIT CARD ACCOUNT TO COVER THE CHARGES. Urge sent me confirmation that my account had been cancelled , yet they continued to try to charge my debit card for the subscribtion amout for 7 days after the cancellation , until I closed the bank account. This caused my bank to charge me over $350 dollars in overdraft for URGES ATTEMPT TO CHARGE THIS ACCOUNT EVEN AFTER i HAD CANCEELED. I went to my bank to discuss this matter and ask to be credited but they said I WOULD NEED TO DEAL WITH THIS WITH URGE. As i said I have emailed URGE CUSTOMER SERVICE REGARDING THIS ISSUE , BUT THEY HAVE ONLY SENT ME A EMAILED RECIEVED REPLY; NOTHING ADDRESSING THE ISSUE. i CAN NOT EVEN FIND A NUMBER TO CONTACT URGE ABOUT THIS ANYWHERE. DOES ANYONE KNOW A NUMBER FOR URGE CUSTOMER SERVICE OR WHO i CAN CONTACT ?

2007-09-04 08:28:03 · 4 answers · asked by cgs60649 4

I am new to US. have been here for 2 months. so, I don not have any credit cards. When I see my credit report, I cannot see my employment records. I came to know that only credit card companies update the employment records with Credit Bureau. The other option is for the individuals to update it directly with Credit Bureau. I am not sure how to do this.

2007-09-04 08:15:37 · 5 answers · asked by Raj 1

my backround is clean, DMV records clean, job history in banking is excellent, no gaps of employment, no problems.
I just have bad credit and I need to know what states are not allowed to check my credit for employment purposes?

2007-09-04 07:55:19 · 9 answers · asked by Mel JJ 1

I recently had some collections accounts that were not mine deleted from my credit report...now the only credit I have is a credit card from Premier. I just opened that account about 3 months ago, and I have been doubling up on my payments. That is the only thing one my credit..besides my student loans that aren't due until 2009. Is it best to pay the credit card off, and apply for another credit card, or just make the minimum payments for about 6 months. I also got my credit score and it is in the low 600's. How can I improve that?

2007-09-04 07:51:36 · 9 answers · asked by Pecan Goddess 2

Have bad credit, need $10,000. USD. Do not reply with negative comments, or if you are outside the USA or if you charge a fee of any kind. Need help, will gladly pay back the loan if a 4 year loan is approved.

2007-09-04 06:26:02 · 0 answers · asked by Nancy T 1

I may be getting married to someone who has at least 13,000 dollars in credit card debt. His first finace was to blame (or so he says) but the point is, the debt is there. I feel like I'm going to have to suffer to get this paid, off, and suffer in the marriage financially because of this mess of his. He keeps saying that he wants to pay the debt off before we get married, which is understandable, but with the amount of money he makes a month, it's impossible to save up enough. He wants to pay it off all at once. It's a bad situation. He tried to consolidate his debt but the company told him that he didn't make enough money.

Does anyone have any advise for me? How can I help him get out of debt?

2007-09-04 06:25:29 · 9 answers · asked by TNsouthernbelle 1

Is it updated in real-time or is it only updated weekly/monthly, etc?

2007-09-04 05:50:12 · 5 answers · asked by ╚╦DREW╦╝ 4

I have been working very hard on my Credit Rating and have found that if I started with a Credit Card with a low limit and paid it off monthly it would help. Can you guys help me with the names of some reputable Credit Card Companies that would allow me a small credit limit and help me build my Credit back up Thanks Jeff

2007-09-04 05:23:47 · 8 answers · asked by steelhead5308 2

I am out of work and have an online loan. If I close my checking account, will I be charged with a crime?

2007-09-04 05:14:33 · 5 answers · asked by bjstree 3

2007-09-04 04:08:30 · 5 answers · asked by TXHIMstudent83 1

I have been calling the customer service number, but I can never get through to speak to an actual person...I would like to dispute something quickly on my credit...can someone help me with any information to expedite the removal of something off your credit ASAP.

2007-09-04 04:05:29 · 3 answers · asked by sunshyne 1

debt such as magazine subscriptions, dr bills, pay day loans

2007-09-04 03:47:22 · 9 answers · asked by Anonymous

i nedd a consolodation loan ot pay off payday loans and credit card debt.

2007-09-04 03:20:13 · 0 answers · asked by susan s 1

I am in debt and its mainly student loans, hospital bill and the dreaded late payments on just about anything and everything I have.

2007-09-04 02:43:24 · 4 answers · asked by dv2123 1

how much is finance charge? apr..

is it worth it to have one

2007-09-03 20:10:10 · 6 answers · asked by fa$hion_guru 2

i just got a rebate check from my computer that i purched and i got the rebate slip and sent it out the next day i got my computer and i just came in the mail on saturday and it came from out of california in santa maria and all the bank take those check but my question is can i cash this check beside my bank i have coast hill credit union people tell me bank charge if you not a member with them is that ture becuse i was wondering if i can casjh this check beside my bank

2007-09-03 19:35:20 · 4 answers · asked by Anonymous

I have poor credit and filed for bankruptcy late last year. I have not really tried to rebuild my credit. I have not applied for any credit nor tried to finance a new car - though tempting. How can I boost my credit score legally?

2007-09-03 19:35:00 · 8 answers · asked by CJay1115 1

i hv a score in the late 700's, i want to see if the would give me like 0% apr for like 6 months or so, also should i tell my current bank of this offer and see what they can do for me?

2007-09-03 18:16:03 · 2 answers · asked by tyronebiggms 2

I went to check my credit and it said:

We apologize for any inconvenience, but we cannot accurately provide a score for the credit file you have requested. The file is reported as either unavailable, or does not show any record of credit accounts.


Does that mean I don't have a score? I am only 18 and have not established any credit yet.

2007-09-03 16:56:47 · 3 answers · asked by Anonymous

2007-09-03 16:50:29 · 5 answers · asked by gina c 1

DD for yahoo to flickr pro account.indian office address and DD amount want to know

2007-09-03 16:41:23 · 1 answers · asked by y.n.shad y 1

i owe 700 to apt complex for damaged carpet
300 electric company
100 to gas company
170 to phone company

i will have this paid off by the end of the year. i have 1 credit card in good standing that i pay off each month. How long will this take to increase my score. can i request to have them delete the item on my report all together. I already starting making payment arrangements with the debt for 700 to apt complex. can i ask them to delete it after I already started to pay them...i hope this makes sense? if anyone has any helpful advice to give me that would be great.??? I want to buy a house within 2 yrs is that possible???

2007-09-03 15:01:00 · 8 answers · asked by nikkylyn 5

i am 14, my parents said that i was spending to much and if i wanted it back i had to pay 50% percent of last months bill it was 3,695.23$ and that was the lowest bill ever why did they take it away dont they know they just ruined my life.

2007-09-03 14:40:23 · 18 answers · asked by Anonymous

2007-09-03 14:23:07 · 7 answers · asked by Anonymous

2007-09-03 14:16:14 · 5 answers · asked by Anonymous