Credit - October 2007

Is there an american express card where you only have to pay a minimum balance and not the full balance?

2007-10-22 09:00:59 · 5 answers · asked by female83 2

Problem: Went out to a strip club Friday night, let myself be taken into the Champagne Room for more then $2000.

I didn't realize how much I had been charged until Monday morning, when I looked at my online statement, and then called in to protest. Problem is they can't do a chargeback since it was a debit payment and the club refuses to void or reduce the transaction since they have card imprints, signatures and a copy of my drivers license.

My contention was that since I was too drunk to remember signing, and they assisted by serving me more alcohol, then my signatures can not be held as legally valid.

I have the option of having the bank file an affadavit to regain the funds or launching a civil case in small claims court with myself as the plaintiff attorney. I intoned to the club owner by phone that such action would very quickly make her defense of the case more trouble then it was worth. They laughed.

So do I have a legal chance even in a low cost annoyance suit?

2007-10-22 08:46:38 · 23 answers · asked by John F 3

This is in Wisconsin.

My brother was involved in a car accident a few months ago. Neither he nor the other driver got a ticket. No injuries, minor damage to both vehicles. Other driver claims my brother was at fault (my brother claims the opposite) and has come to our house several times to talk to him. My brother was never home, however.

Today my brother received a bill from a collection agency, with the other driver named as the person being owed the money. I'm wondering about the legalities of this. My brother never received any legal-related communications--that is, no judgement against him, no contact from a lawyer. Can an individual like this other driver simply go out and hire a collection agency to try to get the money he claims he is owed for the damage to his car? Should my brother dispute this in any particular way? What would happen if he didn't dispute? That is, what could the agency do in its attempts to get the money?

2007-10-22 08:45:15 · 3 answers · asked by Placed 2

2007-10-22 08:39:10 · 6 answers · asked by tangerine 7

2007-10-22 08:16:33 · 4 answers · asked by Anonymous

Wehave cancelled the unwanted ones ,but they keep sending them. What recourse do we have?

2007-10-22 08:16:30 · 2 answers · asked by Ted J 1

If I return an item I buy on my credit card, does that lower my FICO score?

Also, if I set a single credit card aside so that all purchases on it are purchases that I plan to return, will that hurt my FICO score, or my relationship with the issuer of that particular credit card?

2007-10-22 08:13:59 · 4 answers · asked by Avi J 1

2007-10-22 08:08:32 · 4 answers · asked by Anonymous

I have a bunch of negative, but unfortunately accurate, items on my 3 credit reports. They range in amount from a stupid little $28 to a whopping $6300 auto loan that is from 1995. What do i pay off? What do I dispute? Who do I contact first - Credit Bureaus for dispute or Creditors/Collection Agencies for settlement for removal? Will they really remove it from my reports? Do I deal with the the original creditor or the collection agency that is reporting it to the CRAs. My total debt is only about $11000, do you think I can turn my credit around? If so, how long do u think it will take? My scores are in the 540 range.

2007-10-22 07:54:38 · 4 answers · asked by momof2infl 2

Current credit:
1 CC always paid on time never reaching half of available credit.
1 consolidated school loan always on time, and paid according to plan
I have rented an apartment and have had bills in my name NEVER late

Credit Marks: (unpaid)
1 large account (late 2003)
2 small accounts (late 2003, will negotiate payment on these first)
5 or so inquires due to starting utilities, apartment, and application of a credit card / car loan

Credit Scores: (Bad?)
Ex 627
Trans 664
Eq 630

Questions:
1.If I request validation of the debt , does this restart the SOL (TX 4?)
2.If I attempt to request validation or try and negotiate does this restart the 7 years?
3.Can a score of 700 or higher be attained in a reasonable amount of time with my current situation, and would it matter with the marks still there?
4.How bad will my score be affected NOW if I attempt to renegotiate these collection items ?

2007-10-22 07:54:16 · 2 answers · asked by BobbyDigital 2

My sister-in-law had an account that went to collections in 2004. She fought and debated with them for 3 years, now they're threatening to put it on her credit. I told her that they may show the original 2004 collection date instead of showing it as a new collection. She's concerned that it will show as a new collection instead of one that's already 3 years old. She says the statue of limitations is 5 years in her state, so she's thinking that if they show the 2004 date (when it was originally placed for collection), that she'll have a better chance of it being off sooner. I may have given her incorrect information. Anyone have any input? Thanks.

2007-10-22 04:38:45 · 6 answers · asked by Bluebellringy 3

also, the transaction hasn't been confirmed yet. could it have been swiped as credit or something? Thanks for answering.

2007-10-22 04:06:02 · 6 answers · asked by Anonymous

by mistake...

2007-10-22 03:26:04 · 4 answers · asked by Tx Guy 3

2007-10-22 03:20:54 · 5 answers · asked by Anonymous

i need a loan but do not have a checking or savings account any suggestions?

2007-10-22 03:13:52 · 6 answers · asked by cathia g 2

Has anyone tried credit card consolidation? what are the pros and cons? does it work? who do you recommend i go to for that? does it ruin your credit? should i just pay credit cards regularly instead?

2007-10-22 02:34:20 · 0 answers · asked by d w 2

2007-10-22 02:25:59 · 8 answers · asked by susan s 2

Is there a difference, if so, what is it, and which would look better on your credit report?
Any help/advice is greatly appreciated.
Thanks!

2007-10-22 02:19:41 · 9 answers · asked by ? 5

i need to make it clear im not looking to getting a normal credit card as ive been ind ebt b4 as a student and swore never to get a credit card again! however as xmas approches i like the idea of gettin gone of those cards that acts like a credit card but actually you top up the money on it. i dont like paying for things via the internet with my bank card so i figured this was the best way. which one is good and easy to get/use... im from the uk by the way..ta x

2007-10-22 02:19:34 · 2 answers · asked by Anonymous

i have applied a home loan in hdfc in tuticorin tamilnadu-india
it is flexible rate loan the amount is 8 lak they told it will comleate in 10 years
but i have plan to compleate it in 4 or 5 years one of my friend told if we compleate it before the date which they told
they will charge something it will very loss for me
next month loan will sanction
please give me your ideas
nicho

2007-10-22 02:16:35 · 1 answers · asked by godwithnicho 1

I have a $2000 debt from the MVA, that is now in collections, but I just became aware of this debt, and I am leaving for boot ccamp this Friday, can I be sent back from Boot Camp for this, or will they find out?

2007-10-22 01:14:24 · 4 answers · asked by Antonio R 2

A family member asked me to join on to their account as an authorized shopper to assist them with their errands and shopping needs. Now years later, their credit card bill is in default and the credit card company is attacking me. Is this legal? What should I do, or what can I do?

2007-10-21 19:11:21 · 5 answers · asked by shar_shar_binks 1

A few years ago I had surgery. I had a herniated disc in my back for years, then when I graduated and was cut off my parents' insurance my Dr. decided that I needed an operation. A lawyer told me that it would probably still be covered because it was a pre-existing injury and I wouldn't have to pay. This wasn't the case and I now have $15,000 worth of unpaid bills. I had already bought a house and new car with my fiance, and can't afford to make any extra payments. My credit is not good. I was told that the score is fine but it looks as if I have $15,000 worth of bills due every month, and I never pay them.

Should I declare bankruptcy? What will look worse in about 8-10 years when I try to buy another house or car; having a bankrupcy on my record or having the unpaid bills still there? Even if i did try to pay them off it's gonna take at least 5 years and I'm told it will still show up badly for years afterwards.

2007-10-21 15:14:30 · 5 answers · asked by DuffMan409 2

What happens if I missed the 30 days to receive validation of my debt from a debt collector, am I out of luck.

2007-10-21 15:09:24 · 7 answers · asked by Anonymous

I am paying 32 per cent on my credit card.I contacted the co. and they will not reduce my rate.I have asked them twice.I have a balance of $6000.What can I do?This is an unsecured
credit card.

2007-10-21 14:07:12 · 9 answers · asked by Anonymous

i have been denied by my bank, and the other credit cards require a doposit for my credit line. i just want a major credit card where i don't have to give any money up front. please help. thanks.

2007-10-21 13:46:16 · 10 answers · asked by kurrupt_dreams 1

Exclude much music I already know that one

I need one that works in canada

try not to get one with a huge premium... but if thats all you got.. its ok

2007-10-21 13:35:59 · 2 answers · asked by Anonymous

2007-10-21 13:33:45 · 6 answers · asked by jenninecory 1

e-mail anyone?what's up with that.I checked my online banking and you sur took it out(the money)?

2007-10-21 13:24:51 · 4 answers · asked by David B 1

2007-10-21 13:02:33 · 4 answers · asked by Anonymous