Credit - October 2007

2007-10-09 06:00:17 · 3 answers · asked by TEENWOLF 2

I had my credit card stolen a few months back, and now some company calls me, up to 5 times a day, wanting to update my credit information. They were given my information, but I did not order from them, it was whoever stole my credit card. I explain this and I will either be given another number to call, and they will say it is taken care of when it's not, or hang up on me. What should I do to make them stop calling and get rid of my information?

2007-10-09 05:42:04 · 4 answers · asked by Anonymous

My credit is PISS POOR but I'm sure they're are people with worse credit than me with really nice cars. I need to get a car financed for about 31k. I know traditional loan companies would laugh at me. I know not to expect a stellar rate but for the car I want, this is a steal for 31k.....Any suggestions?

2007-10-09 03:12:20 · 4 answers · asked by trishay81 1

I recently just raised my credit score from 580 to 620, and i want to purchase a car. I've already been to one dealership and they pulled my credit. I've been approved for a car between 15000 and 16000. How many times at this one dealership do they pull your credit from different banks and how many more dealerships should i go to before it hurts me any worse than it already has hurt me? Also I co-signed for my husband last year on his car , why won't they let me have one in my own name, even though i make more more than him and credit rating is higher than his?

2007-10-09 01:26:26 · 5 answers · asked by Joy M 1

will they just put a judgment against my properity ? what about the interest?

2007-10-09 00:37:36 · 4 answers · asked by old salt 2

I am going to pop in on my way to work but i have a graduate account with year 2 £1000 overdraft, i am at £2000 though and have been charged an arangement fee of £150. is this right. DOes anyone recomend claiming all my charges back like many have?

2007-10-08 19:51:10 · 5 answers · asked by Mr Beefy 1

Okay, we have talked to two different lenders and got two different answers. I think I may have misunderstood them....
What is the maximum % you can borrow with a HELOC in Texas. Let's say the house is worth $100,000 and it is COMPLETELY paid for. Best case/ credit scores etc. scenario...Shouldn't we be able to borrow 80%, which is $80,000? The chic at Bank of America said the limit in Texas is 50%, but the guy at the other place said it was 80%. I'm confused!

2007-10-08 19:31:26 · 2 answers · asked by ladybug 4

would like to hear from people that have done it

2007-10-08 19:10:32 · 4 answers · asked by tnt 2

I took out a loan recently for $28,000, amortized over 10 years. Payments are approximately $340 per month. I have not made my first payment yet and was wondering if I made a payment of $20,000 if the lender would have to redo the amortization schedule and start charging interest on the new balance of $8,000 or can they continue to charge interest the way the loan was originally written? Are there any laws regarding this?

There are no prepayment penalties on this loan.

2007-10-08 18:10:52 · 2 answers · asked by Jeffrey B 1

My credit card payment was due October 6; balance was $500. Minimum payment is $15. I use my credit card for EVERYTHING so I can earn points, but I pay off the balance in full each month. I always pay on time or early, but never late.

Until this month. On Sept 20, I sent out my check for $1K (I was planning to pay the balance due plus the amounts of charges not on the statement) using the pre-addressed payment envelope they sent with my statement.

I continued using my credit card, thinking nothing was amiss, but then it would get denied at some stores & restaurants. So I check my credit card account online and discover that my payment was never received! So my payment is late (even tho I sent it on time) and I've got the $39 late fee to prove it. On top of that, because my check was never received, I'm at my credit line limit!

I'm worried what happened to my $1000 check I sent. And of course, worried about my credit score and how to go about fixing this. What to do?

2007-10-08 15:35:03 · 20 answers · asked by babybug74 2

I have bad credit. I owed credit card companies a lot of money but I have since paid every penny back. I wanted to know if I could get it erased off my record since it has all be paid back and if so how. Do I have to get it "expunged" like criminals get their criminal records "expunged"?

2007-10-08 15:13:19 · 2 answers · asked by Ashton M 2

Say I have $500 that needs to be paid on a credit card. Once the bill comes in the mail does it help my credit score to pay off the whole balance rather than just paying off the minimum payment on time?

2007-10-08 14:27:45 · 15 answers · asked by ev1go 2

I'm interested in several credit cards for various reasons, but I've heard that having lots of credit cards, even if you don't abuse them and pay all your bills on time, lowers your credit rating. Also, I've heard that every time you check your credit rating it goes down. Is that true?

2007-10-08 13:33:09 · 5 answers · asked by ladydukat1 1

My husband usually keeps track of our credit card bills. But as I was going through the old statments they were charges in them that either one of us made. He had paid a friends cell bill in january and she got ahold of the cards number and has been charging things with out us knowing. these were made in January and the lady at the credit card company did not know if it was too late to file a criminal charge against her. any thoughts?

2007-10-08 13:16:03 · 3 answers · asked by montanaone2003 2

2007-10-08 12:56:42 · 4 answers · asked by Anonymous

I am trying to get my credit unions aba number. I tried emailing them, they will not answer me back. I emailed them twice. It is point plus credit union. Any Ideas? I need it by tomorrow at 5 am. I have to go to work and they need it for the oreintation tomorrow.

2007-10-08 12:24:15 · 5 answers · asked by Anonymous

2007-10-08 11:51:44 · 5 answers · asked by Jobob 1

--- or should I say 'credi'. Where on earth have orange found that voice? Is she (and orange) unaware that the word credit ends in a 'T' She sounds like a character from Birds of a Feather :-(

2007-10-08 10:59:13 · 5 answers · asked by mal g 5

I have about 17 dollars in cents (ive already counted) there is a coinstar in my local kroger grocerie store i was wondering if i can put all my cents in and get cash or will i just get store credit?? Can they do that or do i choose and can i find out if they only give credit online?? Thank you soo much!!

2007-10-08 10:20:10 · 5 answers · asked by Anonymous

2007-10-08 10:18:00 · 5 answers · asked by LaTonya S 1

2007-10-08 09:57:21 · 2 answers · asked by abrm3122 1

There are tons of companies out there that will make your credit report available from all three agencies so you can monitor. My hubby has poor credit and we would like to have monthly statements and/or be informed of changes ASAP. We think that someone may be tapping into his account and we need to get a handle on this quickly and clean up his credit so that we will be able to use his credit & income to get a home in about 3 years. (My credit is good/excellent - but debt is high, so for the next 3 yrs, I will be paying those balances down.)

What company(s) have you personally used?
NO SPAMMING or ADVERTISEMENTS please.
Please, from personal experience, what has worked for you or a friend or family member?

Thanks ahead of time!
100807 3:25

2007-10-08 09:26:35 · 2 answers · asked by YRofTexas 6

2007-10-08 09:15:52 · 3 answers · asked by brwnii00s 1

If so, what was your credit score at the time and the details of your loan (loan amount, # of years, APR)? Thanks!

2007-10-08 08:49:09 · 0 answers · asked by newtobigd78 4

2007-10-08 08:48:45 · 3 answers · asked by Iamready! 1

credit cards again?

2007-10-08 08:21:45 · 8 answers · asked by hmm 5

2007-10-08 07:35:16 · 3 answers · asked by trina_k_2003 1

My phone was suspended and I never actually paid the fee or asked for my contract to be cancelled. I haven't used my phone since February of this year and got sent to collections. Am I going to have to have to pay for every month (which is about $70 - for 2 years) that I Had left in the contract?!?

2007-10-08 07:12:49 · 3 answers · asked by Anonymous

I have 12,000 in credit card debt, no collateral for a loan, and a 599 credit score. I have no other bills and would be in great shape if I could pay these off. What are my options???

2007-10-08 07:10:18 · 10 answers · asked by B 1

Me and my husband are looking to get a double wide mobile home with land any ideas on what our credit scores should be? What if my score is good and his is not so good? Any wasy you know to improve our scores over the next few months?

2007-10-08 07:02:33 · 3 answers · asked by wifey 1