Credit - October 2007

Does anybody know any paid surveys or ads that pay straight to your PayPal Acc?

2007-10-07 10:48:36 · 6 answers · asked by Vivek K 2

I order a free sample, and was suppose to only pay $3.95 shipping. I have been charged for a full supply for the last 3 months on my credit card. I also found where this company charged others too.
Can we get our money back. Who should we contact. They don't answer the phone, or email me back.

2007-10-07 10:39:59 · 7 answers · asked by Paige 4

i recently lost my card and i was wondering if they can get my pin and how in the world do they do that.

2007-10-07 10:20:04 · 2 answers · asked by jackie O 2

I have a relative who cosigned on a car loan, they are the 2nd person on the loan. If they file for bankruptcy how will that affect my car? Will they take my car from me even though i am the main person on the loan?

2007-10-07 09:11:13 · 5 answers · asked by snowangel_848 1

I am trying to improve my credit. I paid off a judgement 8 years old, I have paid off 3 collection accounts, and I continously pay each month old collection accounts, but my FICO score is not improving.

2007-10-07 06:16:19 · 7 answers · asked by Sunfire03 1

So i havent checked my credit report or nothing since i turned 18 in May of 2007..(DUH) and I got approved for a Chase Freedom awhile back and today got approved for a Capital One card does that indicate good history starting to establish?

2007-10-07 05:53:17 · 10 answers · asked by Anonymous

I have been paying on a 2500.00 dollar medical bill every month for 10 months, now last month I guess they didn't update their records and they say that they didn't get payment. I went ahead and paid this months bill, and Friday I got a nasty letter saying I owe the full amount! What are my rights? And how should I deal with them?

2007-10-07 05:49:35 · 6 answers · asked by jamijokidd 2

Im trying to rebuild my credit and get a new car. I have about 5 collection accounts, 1 charge off, and a high balance student loan in payment. I know the secured and macys card won't help much, so I need something else to boost my scores. I don't know what to apply for..I'm in the state of Georgia. My local bank if BOFA for 3 years, my scores are not high enough for their card and I hear their secured doesn't report. I'm scared to apply for auto financing through them. What should I apply for?



chervon: still waiting
crown jeweler: still waiting
creditone:denied
orchard secured: $200
macys: $100 (new as of this week)

Experian :596
transuion:592
equifax:579

2007-10-07 04:33:35 · 7 answers · asked by mzsweet 1

I friend recently told me that if I sign up for a credit monitoring service and regularly check my credit reports, my beacon score will go down each time as though a potential creditor were running my report. Is this true? Or do potential creditors know that it is me that is looking at the credit? Basically, if I frequently check my credit through one of these services, will it make my credit worse? Thanks!

2007-10-07 03:21:52 · 5 answers · asked by Mandragon 3

I am 18 and I want to get a credit card to start building my credit. Im new to this whole finance thing, and i just wanna know if their are things i should know or watch out for...stuff like that. Im thinking of applying for a capital one card.

2007-10-07 02:57:01 · 8 answers · asked by Anonymous

I have a question about consolidating my debts. I have a friend who used Debt Counseling Corp to do this and has been doing really well. (the website is www.DebtCounselingCorp.org) They send her great info and really seem to be doing a great job. I wanted to see if anyone has any experience with them.
Please don't respoond with telling me about other company's. I would like to hear of other experiences with them specifically.

Thanks!

2007-10-07 02:47:16 · 3 answers · asked by Mary 2

I am trying to understand my credit situation better so I can fix it. I get a lot of conflicting responses and am not sure what to do.
I have a huge child support debt from about 9 years ago (I am 30) when I was in a situation in which I was unable to work. It is about $16,000. I have been paying on it for years and finally got the interest dropped last month so that my payments actually affect the balance.

I have a judgement to my apartment complex for about $3,000 (which was paid in full.) This was from last year.

I have never had a credit card and have no loans or anything. My credit report lists my 3 child support cases as my 3 accounts.

When I paid for my score it said I was unable to be scored, though in an answer to another question I asked someone said I do have a credit score but its probably low.

Will the public records affect my score and how so. Since I paid the judgement to my apartment complex in full, should that be refected somewhere on my report?

2007-10-07 02:44:17 · 5 answers · asked by thetigersnameistony 2

I worked at Chase for about two months, and learned a lot while I was there that I didn't know before, so I can understand that some of it is just that people don't know how credit cards work. But why won't they listen when we try to explain it? Like the finance charges being done a month behind, for example, means that if you pay off your credit card in 10 days rather than 30, you get charged 10 days of finance charges. Other credit cards charge you the same month, and you get charged 30 days worth, regardless of when you pay it off. So w/ chase you save 20 days worth of finance charges. Plus, if you avoid finance charges by paying in full each month, you're considered non-profitable. That means no fees will be waived unless there was an error caused by the company. (non-reciept of your statement is NOT company's fault, besides, there are at least three other ways to pay your credit card bill besides snail mail).
Why is it people don't want to understand this?

2007-10-07 02:35:57 · 1 answers · asked by dystant_myst 2

I live in Canada, but work in the United States ( I own my own small business and located it in Niagara falls, ny to save money).Unfortunately some of my suppliers require a credit card but wont accept a Canadian one, as my products are shipped to my location in Usa.How can a find a bank that will issue me a Usa credit card and bank account, so I can do local business?

2007-10-07 02:17:31 · 4 answers · asked by shelley l 1

do to cut backs at the office and spouse out of work we are having finacial difficulties and would be better without a 700 month car payment.

2007-10-07 02:00:59 · 5 answers · asked by In Need of Advice 1

well heres the story...

since me and my girlfriend shop at ccs i thought hey why not get rewards and discounts since we shop there almost every week..so i went there filled in some papers and whatever and they said they would send me the little credit card and whatever...but that was in late july early august and its now october..so my girlfriend ordered a skateboard deck there for $90..and she paid for it her debit card and whatever..now ccs is charging us late fees and now theyre saying we owe them $250...the people keep telling me to use my account number but i dont have one..and then when i go to customer service they say i dont have a card so i shouldnt pay for it but the people at the store keep tellling me i do...its confusing now and im not paying late fees for somethingi didnt use a ccs account for..i know nobody is using our card or has it becuz when i asked the manager to find my account number they said "my account number could not be found"

so what should i do??

2007-10-07 01:57:25 · 3 answers · asked by Anonymous

well heres the story...

since me and my girlfriend shop at ccs i thought hey why not get rewards and discounts since we shop there almost every week..so i went there filled in some papers and whatever and they said they would send me the little credit card and whatever...but that was in late july early august and its now october..so my girlfriend ordered a skateboard deck there for $90..and she paid for it her debit card and whatever..now ccs is charging us late fees and now theyre saying we owe them $250...the people keep telling me to use my account number but i dont have one..and then when i go to customer service they say i should have a card...its confusing now and im not paying late fees for somethingi didnt use a ccs account for..

so what should i do??

2007-10-06 18:58:50 · 4 answers · asked by i never come outside............ 1

wnat to buy a 150,000.00 home at the age of 40yrs.

2007-10-06 17:39:57 · 4 answers · asked by reginahardwell 1

Two years ago, I helped my sister and brother-in-law buy a car while they were in Louisiana. Afterwhich, Hurricane Katrina hit and they relocated to Indiana. Thing is they are now separated and due to financial reasons are not meeting the car note. I co-signed and so the bank is now contacting me. I have asked that they return the car or sell it.. But I have not received a response. What can I do to get this settled. I do not want my great credit to be harmed. I paid 2 notes recently but I cannot afford to continue this. Can someone please advise. Yes, I have learned my lesson never co-sign for anyone, especially family! I know things, people and circumstances do chacge... but in order to get this off of me.. I need to make the best move and soon. But I need some real advise.

Serious inquires with proven successs please reply!

What should I do???

2007-10-06 17:32:51 · 4 answers · asked by KeraniBai 3

I have bad credit, my scores are 587,526,567. I have 9 negatives and 4 positives.
5 of the negatives will be removed By March 08'.
I already tried getting a loan for an ATV but was denied.
If I apply with a cosigner who has excellent credit will my score go up? I know I will get approved with the cosigner, Im just not sure if it will raise my credit scores or hurt them because I added another item on my report.
Any advise would be greatly appreciated. Thanks

2007-10-06 17:32:31 · 5 answers · asked by mtsosie78 2

When i was 15 i used my real social security number to get credit because capital one was sending me advertisments in what not for there card with my name. So I wrote back to them with my information, and recieved a card with my name and a $200 limit, I blew the card up and forgot about it. I am 19 years old now, trying to figure do i have to pay that or is there something i can do about it.

2007-10-06 17:22:06 · 11 answers · asked by Anonymous

Or, do you start at 0 and your first credit interaction shoots you up to a high number and you can either go up or down from there?

(Hopefully that question made sense, lol)

2007-10-06 16:49:25 · 6 answers · asked by thetigersnameistony 2

I am 30 and have no credit score. I accrued a huge amount of back child support about ten years ago and circumstances led me unable to work and pay support. Of course, that large amount has hindered everything I do ever since. I am really trying to get my life going in a positive direction. The slightest emergency has me in a lose lose situation every time. Because of this I decided it is time I get a newer reliable car, but am reminded that I have no credit. I have never had a credit card. All that is on the report is my back child support judgements and a judgement to my apartment complex. That judgement was paid in full. The child support is about $16,000.
I recently applied for a secured credit score to atleast help build some credit, but wonder how badly the support judgement will hold me back. I pay regularly on the back pay, but it doesn't seem to show that on my report. It is listed as collections or something.

Any insight?

2007-10-06 16:46:16 · 3 answers · asked by thetigersnameistony 2

2007-10-06 15:49:36 · 7 answers · asked by curious 1

I owe Capitol One about $7000 divided into 3 cards, I live in CA and I know they can place a judgement and garnish my wages up tp 25% until my debt is paid, I am the sole provider for my family and 4 people depend on my check, I called a credit consolidation comany by the name of CESI and I don't know what to do, the guy asked for my SS # right away and said there is a fee of $49 to activate my account and that this is a one time fee. Is there anything I can do to stop the garnishment are lawyers more expensive to hire? If anyone can help me with this question I would so appreciate it. I am willing to pay but between my expenses and what I make I can only afford like $70 a month to be able to pay this off and I just don't know what to do! When I called the collection company directly they guy laughed at me and said if thats all u can pay save your money we will sue you, they gave option of monthly payment but will not take anything less than $150. Thanks in advance

2007-10-06 14:08:25 · 4 answers · asked by lolita 5

Equifax is 739
Transunion is 750
Experian is 749

I have my credit card for 14 months ago.
How to increase credit score? cause i dont actualy use my credit card i only use it 2 times in 14 months.
Last month my credit card was stolen and the man/woman who stole it purchase about $350 total, i already report it to the bank and the had it canceled and renew,do this affect my credit score?

2007-10-06 13:41:23 · 9 answers · asked by Anonymous

have to take cash advance from husband's credit card to transfer to my personal bank account. I have all the info it needs. Online banking can not help. I need to do it without him knowing. I called both - my bank and citibank, they send me one to enother. How to solve?

2007-10-06 13:35:32 · 3 answers · asked by Lydia 1

I recently applied for an American Express card and it said that I got declined because I don't have sufficient credit history and that the credit cards that I have have not been open long enough... the question is, how long would long enough be? 6 months?

I recently turned 18 and have 2 credit cards. Payments have been made on time... I believe I applied for the cards about 4 months ago.

2007-10-06 13:04:53 · 9 answers · asked by Matt C 1

I am married (although the house is only in my name), and I have a second mortgage. I am just going to foreclose on my home because we got into a risky mortgage that we totally cannot afford and payments are skyrocketing.

As a result, we are living check to check, barely getting by and the principal balance is growing exponentially. Luckily, the house is only in my name and I have a second mortgage as well. I am considering the following steps:

1. Find a more affordable home (to rent) and sign a lease
2. Skip my mortagage payments for a couple months to save money (which we are currently unable to do).
3. Leave the home I am in and allow it foreclose
4. Rebuild and improve my credit and build cash reserves over the next 3 years.

2007-10-06 13:04:27 · 8 answers · asked by Mr Green 1

And also is a legit organization, where I do not have to do so much legwork...Thanks

2007-10-06 12:23:13 · 10 answers · asked by BLBHF 2