Credit - October 2007

Ok after a ton of reading I've come up with the following plan for 3 medical charges. If anyone wants to tell me this is a bad idea, let 'er rip.. 2 of the 3 medical bills were for the same date of service and the other was for a separate date. The collection agency is not reporting the correct original dates to the big 3 (they report them as much more recent; probably the date they got involved).

- call the hospital and ask them if we can just pay it in full through them directly and have them delete any record of collections

If/when that doesn't work..
- dispute the dates first with all 3 authorities, ask for verification

Since I'm sure they will verify them..
- settle the medical bills with the collection agencies for the minimum amount since the credit score is trashed anyway and paid in full wouldn't help much

Also the hospital never offered charity care or a payment plan. Are they required to?

Thoughts?

2007-10-15 15:16:59 · 2 answers · asked by Anonymous

I asked the debt colectors to validate a debt and prove that the statute of limitations wasnt up on a debt from Jan. 2003 and they advised that it was an executed and sealed contract (whatever that means) and that the SOL wasnt up for 10 years...is that true?

2007-10-15 14:17:25 · 5 answers · asked by ncsustandup 2

It was my insurance, but I did not sign anything in the hospital.

2007-10-15 12:41:27 · 6 answers · asked by jaolacio 2

what should I do

2007-10-15 11:38:09 · 10 answers · asked by amanda l 1

2007-10-15 11:22:54 · 8 answers · asked by b 1

I am considering buying a hardtop for my Honda s2000. The seller wants $2500 which is a great deal. The problem is that I only have about $1300 in my checking account and I will have car payments coming up. My credit limit is $3000 and I have about $2600 in available credit. I could use my credit card but then it would be maxed out and I really can't afford to do that. This top is too hard to pass up because it is such a great deal. Does anyone have any ideas for me? Help would be much appreciated!!!

2007-10-15 11:17:40 · 1 answers · asked by mike 2

How would it benifit a individual to know just how rotten it is? Like mine for instance!!

2007-10-15 10:49:01 · 3 answers · asked by david 4

I want to take a cash advance from one of my credit cards but want to know how much is it going to cost me to take out $100??? please help.

2007-10-15 10:23:51 · 5 answers · asked by Little miss Desert Freak! 2

i have a summons for court and they want to take my bank account because they cannot garnish my paycheck because i don't have a job can a credit company just do that or do they have to send me paperwork first i have answered the summons back but have not yet recieved a date for court i get money deposited for my son and don't know if i need to close the account and work out another form of payment for my son or wait has anyone else gone through this i don't own anything but the bank account can they just attach my bank account without me knowing no smart answers please i am going through some bad times right now and need only serious answers

2007-10-15 10:03:46 · 3 answers · asked by Betty R 3

I have a new card with 6 month 0 APR. I would like to know If I purchase something with it will I have to pay it back immediately or would I have the 6 months to pay it off? I know with other cards I would not have to pay until the 6 months is up. I just want to make sure because Ive heard horror stories of American express being quick to raise your APR if you pay late. As long as I pay the min balance and have it at 0 by the end of the six months will I be ok?

2007-10-15 09:34:00 · 5 answers · asked by nobleone6969 1

2007-10-15 09:20:58 · 3 answers · asked by come on 2

needs more money...who doesn't but I need money...I don't want to pay for someone elses trip to the Bahamas...I want to work online no start up fees no fees....no fees...absolutely no fees...does anyone get this...no fees.....HELP????? Data entry...something...HELP???

2007-10-15 09:15:44 · 2 answers · asked by Anonymous

How can i get easy money fast without giving to money back from whom you got it from?

2007-10-15 08:10:22 · 6 answers · asked by Anonymous

I am looking for a HELOC to use instead of my checking account. I'm not looking for input on whether this is a good idea, but where to find a HELOC that will meet my specifications in that it acts like a checking account. They are:

- Low fees and APR.
- All standard checking access points, such as checks, ATMs, electronic bill pay, etc...
- No minimum withdrawal - I can pay a $3.72 bill with it.
- Interest computed on average daily balance, or daily.
- Can deposit funds electronically using routing/account number.
- Accepts direct deposit.
- Notifies you if balance is negative (you paid more than you owe).

I am basically looking to use this HELOC as my primary account instead of a checking account, so I want as many of these features as I can find.

I'm basically looking to manually build something similar to a mortgage accelerator/money merge product, but without the high fees and interest.

-->Adam

2007-10-15 07:44:07 · 3 answers · asked by great_and_mighty_adam_levine 4

Because the program is considered non-credit, I don't qualify for FAFSA or a student loan through the government (as far as I know). I'm fairly young, so I have little (probably no) credit history and, unfortunately, everyone I know has bad credit so I have no cosigner. Even though I'm a full-time student, I'm not a dependent because I am also a mother. Any suggestions?

2007-10-15 07:22:45 · 3 answers · asked by whoppers1029 1

2007-10-15 06:25:23 · 3 answers · asked by Anonymous

2007-10-15 06:13:54 · 3 answers · asked by kapv_195 1

2007-10-15 06:08:23 · 13 answers · asked by Anonymous

Right now my credit scores are 591, 594, and 602. I have worked hard to get them this high, but I feel like they are not moving. I have 3 negative collections on me. 2 I paid, because I was paying on them and they turned them over to collections. Both were medical. Other one was medical that I just found out about. It is 891 dollars and according to the credit report it was scheduled to stay on until June 2010. I can't afford to pay it off right now. I have other medical bills from the last few months that I am trying to get paid off from where I didn't have health insurance. I also have some credit cards. One is paid off with a 0 balance. All of my credit cards are put up. Out of sight out of mind. The other 3 I am paying as much as I can a month. I have a car payment which is never late. Always on time. I have had it since June of last year. I also have a small personal loan which I am paying on every month. I also have a few personal loans that are a couple years old that were paid

2007-10-15 05:58:36 · 8 answers · asked by scmommyof2 3

I have two credit cards with one being $4000 and one with $2000, It is rediculous on the interest I am paying. With one $100 a month payment I pay half that in interest. I have the money to pay them off but dont want to use all of my savings.What would the best thing to do?Pay it all off or pay part or what?

2007-10-15 05:58:21 · 15 answers · asked by Tony L 1

2007-10-15 05:46:18 · 19 answers · asked by Brandon 2

HI I am 21 yrs old with no credit. I need a credit card or something to build my credit history please help

2007-10-15 05:40:41 · 3 answers · asked by nataliehowe1 1

On your credit report that is, and theyve already sold your debt to collections and you hvae like 20 negative marks from different businesses, does it really do any good to pay them off since theyve already scarred your credit, or just wait the 7 years tli they disappear?

2007-10-15 05:09:51 · 9 answers · asked by Anonymous

I have substantial credit card debt and someone told me to just file a chap 7 but that stays on your credit for like 10 years. Also I think the bankruptcy laws have changed and you still have to pay off the debt. I know if I try doing this on my own it will take a looong time to pay off because of the interest. Im a single mom that does not currently get child support so Im trying figure out how am I going to do this. Help!

2007-10-15 05:04:22 · 6 answers · asked by HotKoko 2

I went to a local Domino Pizza and ordered food with my Credit Card. The girl at the register took my card looked at it swiped it, then asked if it was ok to copy my card info on the reciept ( due to disputes over who ordered what ). I said ok not thinking. She used a crayon on with my card under the reciept and copied the front of my card on it. When I thought this was fishy and asked for the transaction to be cancelled she got upset and said I would have to wait 15 minutes because the receipt had been put in the safe. This crayon method seems like a hoax. Should I be concerned that this chic may be trying to re-use my credit card.

2007-10-15 04:58:41 · 7 answers · asked by Artscola 3

2007-10-15 04:41:00 · 6 answers · asked by Dr. W 2

So I just looked at my credit report and found 2 negative items on my rpt. They were medical debts from a hospital that I never went to that has been sent to the collection agency. So the 2 items appeared as ollection debts on my report. I called the hospital, and they have no knowledge of the bills or that they have been sent to collection agency. so I disputed the items with the 3 bureau and now those 2 items are erased from all my reports.

My question is, how long would it take for my score to go back up to what it was 6 months ago? (6 months ago is when the mysterious items appear on my report). Would my score shoot up right away as soon as those 2 items got erased? Or would it just increase slowly over a few months? a year? before my score is back to what it was 6 months ago ?

2007-10-15 04:33:50 · 3 answers · asked by turin 2

hello, i have my first credit card and am now on my third payment. my original credit was $500.00 and i spent it. so i paid the mini payment of 15. now the bank says because i paid mini payment, i owe 562.00 so when i pay the mini payment it does not take off th ebalance owed. so if i pay more than the mini payment, like 100.00 will it start paying the balance? so confused! help

2007-10-15 04:12:51 · 9 answers · asked by Anonymous

I have been offered a loan from Mr Damon Gatewood of STEVERN LOAN FIRM (damon.gatewood@yahoo.com) with, obviously, some upfront fees.

I am concerned of course, but on the other hand, this contact has been refered by one of the users of a Yahoo Forum...

Here's part of the text:

LOAN TERMS AND REPAYMENT SCHEDULE:

The loan repayment is based on a monthly basis which consist of the loan capital and interest rate together. Like its written, the loan duration period is for 6 months. So find the interest rate and payment schedule below:
* Loan Amount:-------------------------------------------- $35,000 USD
* Interest Rate:------------------------------------------- $ 0.1% MONTHLY
* Interest Per Month:------------------------------------ $ 10
* Loan Duration in Months:------------------------------ 48 Months
* Total Interest For 48 Months :----------------------- $ 480,00 USD
* Total Interest And Capital:--------------------------- $ 35,480USD

Furthermore be informed that in line with the rules governing this organisation, you will be required to make payment on monthly basis. The loan repayment is expected to be made 48 times making a total pay of $10 USD monthly. This is the total loan amount and interest divided by the loan duration.

LOAN PAYMENT SCHEDULE:
In response to your letter for a Loan Terms and Condition. Charges are made on percentage based on amount of loan applied for. First of all, we have to give you a summary of the Loan Charges which is as follows:

* Legal Fees:---------------------------------------------------- $ 50.00 USD

* Administrative/Processing:--------------------------------- $ 60.00 USD

* Inspection/Verification Team:----------------------------- $ 80.00 USD

* Form Fee:------------------------------------------------------ $ 50.00 USD

* Security:------------------------------------------------------- $ 80.00 USD

* Total:--------------------------------------------------------- $ 320.00 USD

However, payment of Loan Charges can be made in any suitable currency of your choice after conversion. Use conversion rates here: http://www.xe.com/ucc/
Note: Should Loan be called off by you after payment of Loan Charges, SLF will make refund of Loan Charges except Inspection/Verification Charges.

LOAN AGREEMENT/CONDITIONS:

{ 1 } The applicant will start the repayment of loan at the end of every month starting from 3 months after loan has been transfered.

{ 2 } Failure to pay back the loan at this expected date/period, legal actions will be taken against the applicant by our attorney immediately.

{ 3 } Applicant who is unable to meet with the repayment will be given 2 weeks more as a grace period before legal actions will be taken.
In agreement to this, applicant will be expected to send a signed copy of the loan terms and send to us for further documentation. Once this is received, we will inform you when your loan will be approved and ready for transfer.
Note: In case you are unable to print and send a scanned copy back to us, you can as well use your name in place of your signature in agreement and send it back to us.


...................................................
Applicant Sign:

2007-10-15 03:59:16 · 4 answers · asked by Suspicious Borrower 1

2007-10-15 03:39:57 · 3 answers · asked by rumbledark 1