Credit - October 2007

Any tips, suggestions, ideas to help pay off credit card debt in which so many Americans get themselves in.

I have a debt of about just $1300 which was about $2000 in the summer, I'm currently working and paying more than the minimum. Is it better just to pay the minimum, set the aside money each month then pay off the whole thing?

2007-10-22 20:05:59 · 4 answers · asked by Cali C. 6

2007-10-22 17:41:14 · 6 answers · asked by jenoflight 1

i tried to order something through Paypal (which i do all the time), but the transaction didn't go through and it said that my card was denied by my credit card issuer. I didn't cancel my card or anything and i don't think i went over my limit (though i can't remember what my limit is, since it's a starter card and may be lower than i thought). But if i did go over my limit,what do i do? If i pay it off, will my card get turned back on or would i have to get a new one? And if i didn't exceed my limit...?

2007-10-22 17:35:48 · 11 answers · asked by Miss Understood 7

I am considering using a debt settlement company but am concerned about the details.

2007-10-22 16:54:30 · 5 answers · asked by postman2039 1

I have an open credit card under my name and i think i know the person who is using it ...but i want to double check it is them and i cant register the account online because i dont have the credit card number just the account number that is not long enought to be a credit card number.... The reason i want to resolve this face to face with the person but i want to make sure 100% they are the ones using it does anyone know how i can access that information online????(it seems so complicated)

2007-10-22 16:51:45 · 6 answers · asked by girlie00017 1

2007-10-22 16:28:43 · 2 answers · asked by Kristi S 1

2007-10-22 16:02:52 · 3 answers · asked by rlouis3 2

My banker told me that any loans that will be paid off in less than 10 months are not included in calculating debt to income when applying for a mortgage. My auto lease is 36 months, and I have 24 months remaining. If I pay extra money each month to get ahead until I have 9 payments left, then apply for a mortgage, will the monthly lease payments be ignored from the debt to income ratio despite the actual end date of the lease being farther out than 10 months?

Kind of a weird question, I know.

2007-10-22 15:38:28 · 0 answers · asked by Erik 2

2007-10-22 15:33:32 · 5 answers · asked by allesamay r 1

This really sucks. Our mortgage recently adjusted because someone messed up our mortgage paperwork after we were first-time buyers 2 years ago. We have Perfect income and credit....

2007-10-22 15:27:43 · 1 answers · asked by rayvencure 1

I just paid off a little over $4000 in credit card debt and a charge-off. The cards that I paid off had no available credit, and I went ahead and closed the accounts after I paid the balance in full. My debt to income ratio right now is only 21%, which I've heard is great. My question is about improving my credit score...will it go up now that my debt is paid in full? If so, how much? Also, could I have potentially hurt my credit by closing the accounts that I paid off? Thanks for any help!! We are going to be buying a house within the next year, so I could definitely use some pointers.

2007-10-22 15:22:47 · 4 answers · asked by Megan 4

i charged a products and they shipped it to me 2 months ago. i bank on the internet. The first day i say the amount subtracted from my account. Then the nexzt day it was added back . the charge never came through. I called the bank and they have no information or record of it. I called the store and they say they were paid. How long do I hold money in the account to cover it possibly showing up. After a year can I keep the money?

2007-10-22 14:47:42 · 2 answers · asked by Nora 7

Some people think my wife and I are crazy for never owning a credit card and should get one. We are 22 with no debt besides our house. I guess we aren't fixated on our credit score like many other people. We own debit cards but have never felt the need to get a credit card. From all that I have heard, credit cards can do a whole lot of harm, but not that much good. So why do people own them? Any thoughts are much appreciated, thanks!

2007-10-22 14:29:50 · 15 answers · asked by Anonymous

2007-10-22 14:28:26 · 3 answers · asked by sailormoon6_us 1

I am currently on workers compensation. I should not have bad credit...so when i applied for a capitol one credit card they denied me for reasons unsaid. Is it maybe because seomthing might have gone into collections...even though i was promised it wouldn't because i payed it off...or maybe they just won't give me one while i'm on wsib...even though i do make enough money!
where could i go in canada to get one?

2007-10-22 14:05:24 · 3 answers · asked by mmm 1

Car repossession back in 2004. Difference in payment/amount sold is around $4,000. Summoned to court, nothing came out of it. Just ended up having to met with the legal assistant and explain that I couldnt pay it (long story) Was told that it was fine, but interest would still be applied to the bill. Just got a letter saying that it is now $6,000 +. Court date was only a couple months ago. Statutes of limitation for debts in my state is 5 years. Can I wait for the time to run out? What can happen?

2007-10-22 13:41:33 · 4 answers · asked by Susan F 4

a copy of my chapt 7 bankrupcy from 1991.are they kept in trentonor in my county courthouse

2007-10-22 13:41:20 · 1 answers · asked by baffled 1

So after you pay a bill on your credit card, on the remaining balance they charge ARP? So if balance is $100, and the apr percentage is 20% ( just an example ) would they charge 20 dollars and you're left with $120?

1st time card holder.. stupid question, i know..

2007-10-22 13:36:09 · 10 answers · asked by Anonymous

are chapt 7 records kept from the past

2007-10-22 13:33:44 · 5 answers · asked by baffled 1

I got a letter in the mail from the bank that says paying our mortgage payment bi-weekly instead of monthly could save us $40,000 to $100,000 in interest and reduce our mortgage term by 7 to 9 years without refinancing. How does this work?

2007-10-22 13:06:28 · 5 answers · asked by honeybear 5

Hello, I run a small retail shop in Minnesota. Yesterday, someone wanted to charge FIFTY CENTS on a credit card. My fees are nearly that much, if not more. So, I gave him the item, and told him to pay me next time he stopped by. The question I have is, what are my options, in Minnesota, regarding such small purchases on a Credit Card? Can I refuse them? Can I charge an extra fee to cover my costs in processing a 4-bit Charge? (And, yeah, I realize both options don't really encourage more business at my shop) But, c'mon......FIFTY CENTS? Back when Jesse was the Gov, the rule was you had to accept the charge, but could add on a fee for your costs. But I have yet to find a confirmation that the rule is still in effect. Anyways, thanks for the help. TABroman

2007-10-22 13:00:51 · 3 answers · asked by tabroman 1

consolidation but charges a $40 fee. They also do credit counseling (which I don't need.) I just need to lower my monthly payments because of high interest. I don't want a service like credit conseling to effect my credit score. Any response would be appreciated.

2007-10-22 12:46:34 · 3 answers · asked by Professor Bradley 3

i have a check from my college, but the college says go to a bank. i have no bank account. the check amount is $450. i want to cash it. where would i go to cash it with least charge fee?

2007-10-22 12:23:00 · 7 answers · asked by Brian N 1

how can we take him off the lease of her car without her? she will not take him off because she must need his name? she isn't paying the payment on time or sometimes not at all, help!

*dreading the ex*

2007-10-22 11:40:45 · 9 answers · asked by blakie 1

what happens if a debt collector stops sending you letters. How do i know if the debt is now invalid? I ask for a validation of debt and they never sent it to me and now they don't send me anything at all. How do i know they won't come back in 4 years? How can I stop them from haunting me in 4 years if they refuse to answer my letters now.

2007-10-22 11:31:04 · 8 answers · asked by Anonymous

I currently have about a 620 credit score. Within the last year of two I have added new accounts and have made timely payments with a slip of maybe one or two times of late payments. My credit score has improved since then. What majorily has brought my credit score down are two collection accounts that refuse to come off, one is paid and the other I have no intention of paying ( i do not feel like I owe).
What steps can I take to bring up my credit score significantly? I was thinking of adding myself to a relatives account as a joint account holder. It is a seasoned account. How much will it raise my credit score to add myself to seasoned accounts as a joint account holder?

2007-10-22 09:58:21 · 3 answers · asked by . 1

I have built up quite a bit of equity in my home,yet I am unable to re-finance because my credit history over the past year is poor.A lot of lenders will not look at me as I am below 600.
Any suggestions?

2007-10-22 09:57:38 · 4 answers · asked by Anonymous

My friend is being sued by a collection agency. The only way he knew this was because they froze his bank account. I thought that collection agencies had to contact you to inform you they were trying to collect on a debt from you first before they just sue you and freeze your account. If he never received anything from them via mail or phone, do they have the right to sue him and freeze his account?

2007-10-22 09:31:34 · 4 answers · asked by amerasmommy 1

My friend has been making her payments 15-20 day's late. Will this hurt my credit?

2007-10-22 09:11:10 · 17 answers · asked by Pizzie 1

2007-10-22 09:08:14 · 2 answers · asked by Anonymous