Credit - September 2007

as of today my credit score is about 500 (very, very poor i know) i am now in the postion to pay my debt off (about 7,500)

will paying off my debt totally within the next 4 months raise my credit score do i have to wait the 6 months before my score reaches 600 plus....or will it be increased once paid off

im looking to get a car laon by january 2008
with about 3k down...

2007-09-03 13:14:27 · 4 answers · asked by SDLA88 1

I'm looking for a good credit card that gives airline miles everytime you charge something.

2007-09-03 12:47:32 · 5 answers · asked by Zefram 2

okay so here it is....my credit score is shot to hell (about a 485) i am now in the postions to pay of my debts (totaling about 7,500) if i start paying down my debt, will 3 months of payments toward creditors and collection agencies (totaling about 4,000) put me in a postion to get a decent car loan.. HOW much will my credit increase....in january 2008 i am trying to get a car loan of about 18,000 (with 3k down)

im hoping for a score of 600 or more

2007-09-03 11:41:11 · 7 answers · asked by SDLA88 1

I have a line of credit at a bank at about 16% APR. Can I transfer that balance to a credit card to get a lower APR, or even a 0% APR using a balance transfer offer? I have a credit score of 650 (which I have read on the internet is considered "very good").

2007-09-03 10:10:29 · 8 answers · asked by Ryan H 1

I have about $16,000 in credit card debt at 16% APR. I'm going to use a balance transfer with no fee to a card with 0% for 12 months. Can I just do a similar transfer every 12 months to a different card (with similar terms) to keep getting the 0% rate? Does this affect my credit score? Any pitfalls or fine print details I haven't considered?

2007-09-03 10:07:49 · 14 answers · asked by Ryan H 1

I was wondering if a not for profit debt consolidation company can help me with a debt that I am now being garnished for.

2007-09-03 10:07:45 · 3 answers · asked by michael 1

2007-09-03 09:56:09 · 8 answers · asked by NiteGames 2

Is it possible to transfer money to a credit card and use it to buy something that costs more than my normal credit limit?

More details:
I have limited credit and the only credit card that I have is my student card I got back when I was a in freshman in college. It only has a 1400 dollar limit.
I need to buy an engine for my car but I don't have enough in my checking account to pay for it, so I need to use the card, but it costs more than the credit limit.


Thanks. sorry for the long question

2007-09-03 09:48:23 · 4 answers · asked by Anonymous

2007-09-03 09:21:57 · 5 answers · asked by Ari's Mom 1

2007-09-03 09:05:28 · 2 answers · asked by Anonymous

I brought a used car with a 2yr. warranty the car broke down and i only had the car for 23days,and the first payment isn't do yet i dond't wont the car now but they said i will get a repo on my credit report.

2007-09-03 08:48:09 · 5 answers · asked by quantay f 1

NOW I WANT TO FIND OUT IF ADDING HER TO MY CREDIT CARDS WILL HURT MY CREDIT SCORE, AND HOW LONG DO I HAVE TO KEEP HER AS AN AUTHORIZED USER SO IT REFLECTS ON HER CREDIT, AND I TRIED TO ADD HER ON MY AMEX AND THEY DON'T ASK FOR SS# DOES THAT MATTER? I REALLY WANT TO HELP HER CAN YOU TELL ME A WAY THAT DOESN'T TAKE TOO LONG AND WON'T HURT MY CREDIT TNX

2007-09-03 08:33:50 · 6 answers · asked by arman_omidfar 1

I need help my brother need wants to join but he hasnt got a credit card yet he 18 but he does now want one so what sould he do reply thanks

2007-09-03 08:29:24 · 13 answers · asked by kom1994 1

I recently bought a laptop that was 1400 dollars. I picked the BML option. 90 days without interest offer. And I was wondering that if i only pay a thousand dollars of the total amount in the 90days. will the interest be only on the remaining 400 or on the initial total ? thanks for your help.

2007-09-03 08:18:34 · 1 answers · asked by lmen91 2

2007-09-03 08:03:02 · 5 answers · asked by sahmIam 2

I know I'm going to get a lot of flack for this. So here goes. High interest rates are given to people with bad credit or no credit. Or not enough credit. I understand the risk with bad credit. Why such high rates with the no credit or not enough credit? The banks shouldn't be surprised if some of these accounts result in default. People get into trouble when their interest rate is so high. Then they lose their cars and their houses. Doesn't it make more sense to give these people a lower interest rate to begin with? I realize it is a business and not a charity. If they are going to default. It doesn't matter what the interest rate is. A low interest rate is better than losing any profits from a repossession or foreclosure.

2007-09-03 07:53:18 · 9 answers · asked by Robin G 4

2007-09-03 07:50:58 · 2 answers · asked by anthony a 1

My husband has a great job in the oil fields but before that we were in awful debt and owe alot of these payday loan places so by the time we pay them we don't have enough money to pay the bills so we have to get more payday loans if I could just find someone willing to give me a loan with a monthly payment I could pay all of them back and finally get back on our feet

2007-09-03 07:10:52 · 11 answers · asked by Anonymous

Having spoken to a representative at the cc company on several occasions, the late fee has been reversed and the account taken out of collections. However, the account balance is still wrong and doesn't reflect the August payment. The answer I receive is that they are investigating where the money went. First of all, if my payment was mistakenly applied to another customer's account, how exactly is that my problem? I made a payment, proven via a copy of my cancelled check yet they're investigating where the money went. When I heard this, things boiled over. I could care less WHERE the money went because all I know is where it DIDN'T go (toward my account) and where it isn't as of now (already withdrawn from my checking account). My answer to their having to investigate was, "I don't understand what there is to investigate. You have a copy of my cancelled check which proves I made the payment now just apply it! THEN figure out where it went." Can't wait to rid myself of this lousy card

2007-09-03 07:09:37 · 3 answers · asked by Tom L 2

My credit card payment is due today and it's labor day. First things first, I don't have a checking account so that won't help. I just have a saving account and a credit card account. Is there any way I can pay it by my saving account to avoid a late payment. Help me I'm such a loser for not taking care of business.

My bank is Bank of Amerina. My saving is around $300 and this month payment is only $90.

Anyways, is there any way I can like pay it today without going to the bank cause it's all close.

2007-09-03 06:25:38 · 4 answers · asked by Anonymous

my credit card company was bought by bank of america, so now i have a bank of america card... I know it is bad to cancel a card or leave it inactive. Since i dont like bank of america, is it smart for me to transfer my card balance to Chase and keep my BOA card open and just use it once in a while. or should i just pay my BOA balance and use it less often. I would like to have a credit card to build my credit score but i dont want that card to be BOA. Any sugestions?

2007-09-03 05:34:13 · 7 answers · asked by Lex 2

I have a Mastercard with a $1000 limit. This is my first card and I was wondering, if I spend $100 how much do I have to pay back when I get my first bill? How can I find what the minimum payments?

2007-09-03 05:28:49 · 13 answers · asked by catanomicsunset 1

repossession. I have been paying my vehicle on time and more than what is due every month . How will this affect my credit and is there anything I can work out with the finance company so my credit isn't ruined.

2007-09-03 04:15:06 · 9 answers · asked by saasyj2000 1

does it work?
is it fraud?

i wanna trade my best buy gift card for cash if anyone's interested $97

2007-09-03 03:34:24 · 1 answers · asked by kate_09 2

2007-09-03 03:24:53 · 2 answers · asked by Anonymous

2007-09-03 03:19:31 · 1 answers · asked by Anonymous

2007-09-03 02:06:02 · 8 answers · asked by elsie 2

recently i have been applying for personal loans and being rejected. i came to know that a bank with which i am holding a credit card has listed my name in the black list even though i am making minimum payment every month. i have exceeded the limit some time back, might have missed two or three payments, paying half of the minimum stated payment regularly. what is the solution

2007-09-03 01:41:22 · 5 answers · asked by Anonymous

i have poor credit, but am slowly regaining control of it, anyhow, i am trying to get my family into a home, and want to know if anyone knows any home loan companies that are willing to work with people with poor credit. thx

2007-09-03 01:19:24 · 8 answers · asked by Richard C 2

I called Macy's online to purchase a bed. The sales rep misunderstood me and thought I wanted to purchase the whole four piece set, which was 2300. She said she deleted the four piece and then charged my card the 900 for the bed. When I was checking my funds online, it still showed both charges to my card (although they were pending). What do I do to get my 2300 back?

2007-09-02 19:01:03 · 6 answers · asked by 2pac died for your sins 3