Credit - October 2007

Sometimes credit card companies send you a preapproved card & all you need to do is call the 800# & punch in the account number on the card to activate it, they are usually automated & dont require any info like social, or birth date or anything...my question is, couldnt someone just snatch that right out of the garbage, activate it themself & use it?

2007-10-16 11:15:22 · 5 answers · asked by Anonymous

My balance will be paid within a month and someone says as long as it gets paid quickly then it won't hurt my credit. Is that true
?

2007-10-16 11:10:11 · 6 answers · asked by Anonymous

Before you all pass judgement... My father-in-law is going through a divorce and he cosigned a camper loan with his wife three years ago. It is a 12 year loan, and she is refusing to make payments on it hoping to ruin his credit (even though she is the primary). He has been making the payments, but is ready to let it go. So, if he were to stop paying it, is there a website that we can go to in order to find out exactly how many points it will lower his credit score?

2007-10-16 11:08:07 · 3 answers · asked by sweetiepi44 2

2007-10-16 11:03:18 · 6 answers · asked by mame3900 1

Someone set up an ACH withdrawl from my checking account to pay for a Discover card. I don't even own a discover card. I had the account closed and the bank is looking into it. But I didn't get the feeling they would actively pursure the individual. The amount was only $210, so I'm sure they see much larger issues. I tried Discover, but of course they would not disclose any info. Are there other methods to investigate this? It's not so much the money, becasue the bank will credit that back. But I want the person to know he/she is being watched and hopefully deter them from trying to access my info or anyone elses again.

2007-10-16 10:49:38 · 1 answers · asked by Cisco 2

I need to transfer my credits and the college says I owe them 150.00 from like 8 years ago. I was wondering how long they have to collect it? They will not release my transcript without the 150.00 (I think thats why they want the 150.00 because they know I need the transcript)

2007-10-16 10:48:01 · 6 answers · asked by rubmaster36 2

They already reported it 30 days late.. How is this going to effect my score of 719? Never had a late payment in my life this is the first and hopefully the last. anyone know how it will effect me?

2007-10-16 10:47:33 · 5 answers · asked by tye b 1

I have 40,000 in Credit Card debt. I own my house outright. If I get a Home Equity Loan and move this credit from my cards to the HELOC will it improve my credit score or will it basically stay the same?

2007-10-16 08:21:58 · 6 answers · asked by xblaine 1

Are payday loan companies you find online reputable? If you have used one, had a good or bad experience, please let me know?

2007-10-16 08:16:13 · 13 answers · asked by deptofstate 1

that they had already sent one to my address. I honestly do not recall seeing one from them. I want to send them a Validation of Debt letter but would that be wise considering that they only called me about it? They did give me the account number. Should I send the Validation of Debt anyway?

2007-10-16 08:01:52 · 13 answers · asked by halenstone2 2

I got a credit card, and when I did it asked if I wanted to get another one for someone else....like me and them share same account ,we just have our own card. So I got one for my sister. Now we both have our own card, same card number though, so my question is, If the card gets maxed out, will this affect just my credit or both of our credit?

2007-10-16 07:44:34 · 6 answers · asked by rider476 2

Can someone find me a list of credit cards that don't make a hard inquiry when they review your application? Maybe one that would just check my w-2 and current pay stub and even take a copy of my credit report? Thanks for your time.

2007-10-16 07:27:52 · 4 answers · asked by EagleEye1 2

If we don't want to receive truckloads of pre-approved and unsolicited credit card offers why do we have to "OPT-OUT" of the credit bureaus, instead of the other way around. That is we would have to specifically "OPT-IN" to receive this kind of junk mail or telemarketing.

After all these pre-approved credit card offers endanger a person and makes it easy for his/her identity (and money) to be stolen.

https://www.optoutprescreen.com

2007-10-16 07:01:25 · 6 answers · asked by Tom S 7

will qualify for a mortgage. He is looking to put down 100,000.00 that he has in cash. And wants to carry a 100,000.00 mortgage. His problem is he has no credit. Also he is just back to work after being on disability for the past 3 years. He is with the same company that he was with beofre his accident. He brings home around 2800.00 per month.
Thanks

2007-10-16 06:03:04 · 6 answers · asked by tess 6

2007-10-16 05:36:20 · 5 answers · asked by Marie B 1

I heard that from a friend. what if you do pay on the bill, does it
still get dropped off your credit even if you are paying on it? I am no clear on that

2007-10-16 05:28:12 · 5 answers · asked by bella_amore 1

Why dont the secret service (WHO ARE THE MONEY POLICE) do something about false money and false checks and fake checks and all the scams. the sceret service does nothing; why?

2007-10-16 05:26:25 · 7 answers · asked by Anonymous

2007-10-16 05:24:38 · 6 answers · asked by JS 1

Due to previous relationships and bad choices, my husband and I are dealing with really poor credit. I have ordered copies of all three credit reports and to be honest it is overwhelming. We both have old accounts on file that have been charged off and closed as well as some that just show as deliquent. Where do we start? Is it better to start with the most recent items and tackle those? Does a paid Charge off reflect better than the charge off itself? Do items ever really fall off after 7 years? I'm overwhelmed but want to do the right thing. Any advice you can offer would be great!

Thanks in advance!

2007-10-16 05:14:02 · 5 answers · asked by Anonymous

My husband and I are in serious debt- although most of it is medical- his wages just got attached- and we can go without that money. I am on disability we are trying to sell our house and move to a more affordable one, but no offers. should we file for bankruptcy or wait? help please!

2007-10-16 05:10:50 · 3 answers · asked by global gal 3

2007-10-16 01:57:12 · 5 answers · asked by Alex J 3

I recently activated a credit card. i applied for it because i was supposedly getting a good interest rate. i get it in the mail and it is not what i signed up for. so i want to get rid of it. i was just wanting to make sure that it will not affect my credit or credit score. i have charged nothing on it and have had it for 5 days. someone please help

2007-10-16 01:38:35 · 6 answers · asked by me 1

does that mean?? if i send them my ss# card are they going to approve me..i need a credit card to build credit..is this right?

2007-10-15 20:06:08 · 3 answers · asked by fa$hion_guru 2

2007-10-15 17:28:19 · 7 answers · asked by lulu 2

I'm buying my house and land from an individual who is carrying the note for me so no bank or finance company is involved. So far I have made 39 payments without any problems, always paid early, never even one day late. Is there any way an individual can report good credit habits to a credit reporting agency?

Thanks In Advance,,,
JP

2007-10-15 16:39:21 · 3 answers · asked by J P 7

http://www.rippedwallet.com/pages/help.php. This girl told me to sign up if i wanted to make easy money. I'm not sure if it's a scam because i looked at their chat boards and it looks like the peple get paid really by check or card. So please tell me if this is a scam or not, because i dont want to give out my address if its a scam. )=

2007-10-15 16:35:06 · 4 answers · asked by Anonymous

I want to purchase a new decent laptop for college and do i pay the creditors full or ???
wells fargo credit card

2007-10-15 16:25:33 · 7 answers · asked by Freddy L 2

I have recived so many credit cards in mail my husband singed and activated them and used them all, since he has gambling addiction, now I want to take care of those card and keep my credit, I dont know how many master, visa and etc cards i have. All i want to know is where can i call and ask them that how many i have and stop sending me more cards. how can i prevent this issue iam very concerned.

2007-10-15 16:02:59 · 9 answers · asked by Anonymous

2007-10-15 15:41:44 · 8 answers · asked by reba 1

2007-10-15 15:27:40 · 4 answers · asked by jessica 1