Credit - September 2007

I co-signed on a student loan for my neice about two years ago. It is a private student loan. Well, to make a long story short.....I want to be taken off. She is hurting my credit because she hardly ever pays on time and I'm having some major regret. How can I go about this? I know its not as easy as just asking to be taken off, but does she need to find a new loan, or just a new co-signer or what?

Thank you!

2007-09-27 06:08:47 · 22 answers · asked by Just Me 6

My father is trying to get his credit straightened out, so yesterday I requested an annual free online copy of his credit report, which indicates that he has 3 delinquent accounts (turned over to a collection agency), even though the amounts were only $25, $50, and $25. He also has 2 companies to which he owes money, but even if he pays the money he owes to those companies the delinquent things will still be on his credit report, so even if he gets a job and tries to get a loan the loan companies will probably still see the delinquencies and use them against him. So what can he do to have the delinquencies removed from his credit report? There has to be something he can do to have them removed, because they are only $25, $50, and $25. It doesn't seem like that is such a big deal.

2007-09-27 05:54:30 · 8 answers · asked by Anonymous

What does this mean? What does the devil have in store for me and my finances?

2007-09-27 05:53:42 · 10 answers · asked by Anonymous

I have a first premier card account that was taken over by a outside collection agency and the guy that is handling my payments says I can not pay through the mail that it has to be through a debit which cost 8.00 evert time is this illegal or something?

2007-09-27 05:27:53 · 5 answers · asked by Anonymous

getting divorced, thing is i had a 4'000 credit card that was in my name in the USA that needed paying off, it is a combination of expenditures that were used last time we came to australia and in the usa. the credit card is in my name, thing is i dont have a job and i am up to my ears in legal/divorce fee's. If i do not pay this debt are they able to chase me for it?

2007-09-27 04:17:29 · 6 answers · asked by jsophiaon 1

My credit card interest rate jumped beyond what auto loans finance at. IF the titles are with me can I take an auto loan on the cars and use that amount to pay off credit card debt that was incurred at a higher interest rate.

2007-09-27 03:52:37 · 4 answers · asked by searching High and Low 1

I want to know because after reading about all the debt that you/people are all in in this credit category I don't want the big dollor low intrest rate no fees credit card that are allowing people to spend like theres no tomorrow. Like no fees 9 % rates or lower, 10,000 and up credit rate . I will never spend more than $300 dollors on my credit card for something and will not use it again untill i pay off that in 3 months. Everything eles will be done with the debit card. I think some people are better off with the low credit rate credit cards with the 19 % plus rates to keep them under controll .

What are they buying to get in 10,000 to 26,000 dollors in credit card debt ending up fileing bankrupcy that they can't wait to get??

2007-09-27 03:36:18 · 23 answers · asked by Anonymous

2007-09-27 02:55:56 · 2 answers · asked by Anonymous

I am 18 and looking to rent an apartment, but I need to establish credit first. How should I go about doing it?

2007-09-27 00:30:24 · 3 answers · asked by Jaimee 3

2007-09-26 22:53:03 · 2 answers · asked by EUCLID O 1

a bank is offering 50000 usd loan for a period of 12 years
with an interest of 6% per year for the whole period
another bank offers same interest but every year i will pay 6% for the remaining amount not for the whole 50000
i wonder how much both payment will be after 12 years

i hope i made it clear
thanks

2007-09-26 21:10:23 · 1 answers · asked by Anonymous

I had someone come to my house to give me a court order to appear regarding an unpaid account. I believe it was charged off. I think it is a collection agency or firm attempting to collect $1,700, most of it is interest charges. Should I go to court and ask for a lesser payback or deal with the company itself. I have 20 days to respond. I need a good advice.

2007-09-26 20:08:58 · 6 answers · asked by Den B 1

I am told this is the only thing that can help your corrections and credit score so where or how who from etc... do I get this from. Any suggestions, how long does it take them to respond to you?

2007-09-26 19:24:51 · 6 answers · asked by jodylavallee 2

like to buy tickets online for a concert, or online shopping?

2007-09-26 19:22:45 · 3 answers · asked by Anonymous

I need to write them letter! I want they helps to do this world better! I am serious!

2007-09-26 19:02:07 · 2 answers · asked by Anonymous

I recently got a letter from the collection agency saying I owed my chool medical center $200 plus they accrued interest of $45. and the collection agancy also filed this collection to credit report which hurts my credits a lot.
Question:
1) can the collection angency charge me interest rate, I asked my school who did not accrue any interest, so basically the collection angency added the interest themselves.
2) Can they file to the credit bureau to have my credits affected to force me to take care of the debt.
3) My wife happened to give the collection angency my credit card number when they talked to her on the phone, can I have the bank to stop paying for collection angency unhil I get things straight out .

2007-09-26 18:45:43 · 6 answers · asked by nicboy360 1

Capital one offered me a nice balance transfer rate of 1.99% for the life of the balance (2,000) does anyone know if I have to use the card for purchases in order to keep that rate? becuase otherwise its not worth it since payments go to lower interest rates before higher ones, I don't want a 500 dollar purchase balance to be at 14.9 sitting while I pay the 2,000 off. Ever done this before? I know discover has some stupid rule like that...just want to make sure I'm not screwing myself over becuase i'd rather have it at 1.99 then 18.24 with citi cards...help!! thanks!

2007-09-26 17:44:38 · 2 answers · asked by Mark 4

I recently checked my credit and found a judgement against me and its wrong. I rented a house last year and moved on bad terms with the owner. The owner stated that I owed 4 grand. The judge dismissed it however now, I have a judgement against me on my credit report from the landlord stating that I owe him 2500.00. How can he do that ?

2007-09-26 17:40:36 · 5 answers · asked by Anonymous

I've never had credit, could i have bad credit without even knowing.. and how did i get this bad credit without having a credit card in the first place? i don't get it not one credit card has accepted my application what should i do? how will i build credit?

2007-09-26 17:30:47 · 10 answers · asked by Jamers 1

I do have a job.....and im on my own now...in a few months i want to buy a car but dont know how i would do that without ANY credit.........???

2007-09-26 17:29:56 · 11 answers · asked by adriboho 2

I got into a bit of trouble. Long story short, I have now settled accounts (5) with agencies for less.
Realistically, how long should it take for my credit score to rise?

2007-09-26 17:09:46 · 3 answers · asked by Chuck K 2

I get at least one credit card offer a day and I'm tired of throwing them away as well as identity fraud.

2007-09-26 16:58:44 · 8 answers · asked by The Drake 2

resigned from my old job, they owed me about 1k in commision, due to start my new job next week in london, just been paid and they have only paid half my basic, (fair enough i left after 10 days into the month by MUTUAL consent) but haven't paid me any commission they owed me. Before i left I checked the system and they were due to pay me. Other commisions (about another £400) would be held for 3 months in case any cancellations happen. Also they owe me holiday pay as well.
This has stuffed me up as i am due to start a job in london next week and now can't afford to pay my monthly outgoings, let alone find a couple of hundred quid to get to london and back each day for a month. Therefore i need to get some cash and quick. I haven't a good credit rating due to recklessness as a 18yr old so can't borrow the cash. Any ideas?

2007-09-26 16:55:42 · 4 answers · asked by Anonymous

would it help to pay off $8000 faster if I loan $8000 from prosper.com with 9.81%? I have a excellent credit history (750+)?

How much is that 9.81% monthly compare with 21.99% monthly interest?

Thanks!

2007-09-26 16:52:54 · 4 answers · asked by Magnix2k 3

To make it worse, it was sent to collections and the collections agency said they would also file the claim, but they waited too long and it was denied. Then they dinged my credit because they never heard from me when they called my house and no one answered, and no voicemail to know you called. "It's elementary, my dear Watson "I was at work. They finally left a message two months later to call them regarding this. I was waiting to hear from them once the claim was filed. Do I have a case for dispute, or have I paid stupid tax for relying on the goofs to file the claim?

2007-09-26 16:51:23 · 2 answers · asked by Milton W 2

who isnt late at some point and time. Next year is my last year paying on my Car and for the 2nd time in 3 years I am late on my payment. the last time I was late was 2005 and it was 30 days and this time Im late under 30 days.. im telling the people I will pay them this friday and there telling me that is not good enough and to give them a post dated check. Im like hell no you can wait till this friday I have told them every day this week. So I finally hung up in there face and Im like What ever if they cant wait till Friday That doesnt make no sense to me. So can they repo my car if im not 30 days late? and is that normal to repo if your late less than 30 days? aside from that I feel like if they are going to do that why charge late fees.. what the heck!! Who knows the rutine on Car Loans that are 30 days or less late.. ?

Remember this is my 2nd time being late in 3 years

2007-09-26 16:48:32 · 3 answers · asked by Anonymous

I went through 4 years of hell, lost job, lots of medical bills and back surgery....now collection agencies say I must pay 1/3 of the bill to satify them......I'm broke and treading water with so many bills....what amount, 10, 20 dollars amonth ? will get me going paying off all these debts and getting the collecters away from me?

2007-09-26 16:11:44 · 4 answers · asked by glenn 1

i am a member in orientinvestment.com
i have a lot of money in my account and i could not withdraw it. it still pending for more than 3 monthes.
anyone can help me.
thank you

2007-09-26 16:06:42 · 1 answers · asked by mohsen s 1

I want to apply to a police agency, but my credit is poor right now. Can you get rejected for poor credit?

2007-09-26 15:49:55 · 1 answers · asked by UCSB 1

hello. I'm here for some advice. I'm stuck in a crappy situation. My debt is not a whole lot, but it's enough to drag me down, and put my credit at a nasty 500. And it's going to continue to go down if i can't get this paid off. I have called, and spoke to the places that i owe money to, but they are not willing to accept the amount of money i can afford to pay to them each month. I am currently 7 months pregnant with my second child, and trying to keep up with my 6 year old daughter, my current bills, and getting these people payed off i can't seem to get any where. I'm to the point where they will most likely start taking it out of my checks. I thought they had to accept what i could give to them. I don't know wher else to turn to. They are wanting the WHOLE payment now, or they said they will take it else where. I could really just use someones help, or someone to talk to. I have no family help, and my credits to bad to get a loan from the bank. Thanks in advance for your help

2007-09-26 15:39:16 · 11 answers · asked by hollyberries 3