Credit - October 2007

I have recently found out that my FICO score dropped after I was added to my husband's new credit cards as an "authorized user". If I remove my name out of his 2 credit cards, will my FICO score be back as before?

2007-10-05 06:27:07 · 8 answers · asked by yuyuko 2

they set up a payment plan they set the amount not me.50.00 a mo. now they called and told my husband they want me to pay more. they also pulled my credit AR i have never missed a payment even send more when i have it.

2007-10-05 05:45:48 · 5 answers · asked by Anonymous

I have a ccj and some defaults that were paid off and marked satisfied over 18 months ago, is there any way in which I can now get them removed of my credit file? By applying somewhere or paying etc? My credit history has been fine since (had a rought patch). Any info would be great Thanks.

2007-10-05 05:27:18 · 9 answers · asked by Anonymous

so i received a check for a credit on a card i have. however, i havent used the card so i have a zero balance. in the past few months i have been receiving statements that say i have a credit for like 300 dollars. finally last month, they issued me a check "for the refund of credit on my account". i have called the automated line and it said there was a payment made on my account for that amount in may. so im guessing that a payment was made to another account but by accident was posted to mine. i think its weird that after like 5 months so one would have realized this. and i would also think that before they cut me a check that someone would have double checked it for accuracy. i havent called to talk to a live person yet.. i have been thinking about just cashing it. i could really use some new eye glasses and im low on money..

what would u do? do you think they would be able to come after me for the money if they realized they made a mistake?

2007-10-05 05:27:14 · 3 answers · asked by ruggergal3 2

i've applied to many of stores to credit but they all denied me,so i was hopeing someone can help me find a store that will accept me,so that i want keep lowing my credit even lower,thanks to anyone that can help me.

2007-10-05 05:15:52 · 3 answers · asked by Demetria c 1

I recently bought a house; I can't maintain the mortgage plus credit cards. Please help or advice : Need free money that everybody is talking about; My credit debt is over $20,000.00

2007-10-05 05:13:49 · 8 answers · asked by MoneyMoo 1

My boyfriend is trying to rebuild his credit and I suggested a secured credit card since he can't get an unsecured. Now the problem is trying to find a good company that is not trying to rip him off with horrible fees or just take his deposit money and run. I'm looking for some info from people who've had actual experience with a company. Good or Bad...

2007-10-05 05:08:28 · 5 answers · asked by waterbug3689 2

2007-10-05 04:54:30 · 2 answers · asked by Katie T 1

I got a call from a bill collector a few years ago when one of my credit card payments was a week late. I never had a late payment before so I was grateful that he reminded me to pay before it went past the 30 day mark and went on my credit report. It totally slipped my mind. I told him that I was glad he called and that I appreciated his help in getting me to pay my bill promptly. He was totally taken aback and said, "Wow. Nobody has ever thanked me for calling before." It made me think that their job must be depressing. After all, they are working to earn a paycheck like the rest of us, but their days are spent delivering bad news to people. I imagine they deal with irate and defensive people all the time.

2007-10-05 04:31:53 · 4 answers · asked by Dave 2

Can you use a debit card to buy things online? Usually it just says credit card, but can you just put in your debit card number? Will it work?

2007-10-05 03:52:32 · 6 answers · asked by wildcatjacks13 2

2007-10-05 03:49:15 · 5 answers · asked by John S 1

I would also like to know if there is a service that will take your credit card as a payment and then they pay for a service like it was cash or check.

Basically I want to pay my car off with my rewards card so i can get a load of cash back and rewards for paying something that is typically cash.

2007-10-05 03:45:16 · 4 answers · asked by gamer86 1

I have bad credit and I am working to establish that credit. I've heard of the prepaid credit cards that report to the credit bureau, but some are $30 to start the account. I'm looking for the following:

- Reports to credit bureau, so that I can improve my credit.
- Low start up fee. (Under $10.00)
- Low monthly or annual fee (Under $10 p/month, $60 p/year)

If anyone knows, or has story about a good card, please respond. Thanks.

2007-10-05 03:14:35 · 5 answers · asked by xoookissthisooox 2

2007-10-04 23:34:44 · 9 answers · asked by svari09 2

i just have a lot of credit cards and student loans. i can't get another card or a loan and i'm drownding in the payments...please any ideas?

2007-10-04 22:55:56 · 8 answers · asked by lifejustlived 1

CR Management took money out of my account last month and also this month. I have never even heard of this company, and what's even more weird is that this company has been taking money out through an automatic system (meaning they somehow got a way to take money out of my account automatically). Please give me ideas on how I can trace this company and find out what they're charging me for.

2007-10-04 19:49:48 · 5 answers · asked by starlight43 3

I've set up alerts on all three credit unions and have monitored my cc's for any abuse. It simply doesn't seem to be enough. Any suggestions (other than obvious stuff like being careful with my ss and other confidential info).

2007-10-04 19:20:56 · 3 answers · asked by adrift feline 6

I knew I would have to pay a late charge and was prepared to do that, but now they added an over limit fee because of the late charge and my annual membership fee being due. So now they want $150. I cannot pay that much, so it will be another late fee and another overlimit fee, All I can pay is about $50. I tried to talk to them about it very nicely, pointing out that I will never get it caught up if they dont work with me a little here, and they refused to reverse any of the charges at all. So what is the use of sending any thing? The late fee and overlimit fees will keep adding up and negating my payment.

2007-10-04 17:17:47 · 8 answers · asked by poohs_sexy_lady 2

2007-10-04 16:48:52 · 7 answers · asked by youngphilly 2

When we started looking to buy a house we needed a loan company who would work with someone who had a bankruptcy. After inquiring from a number of loan companies we finally found one who would work with us. They ran a credit check at the begining of last month. We signed some papers and when they went to underwriting they ran another one. Then because our score was lower than before, they turned us down. Because of alot of companies running a credit check it has brought our score down. How can we work on bringing it back up so that we can get a good deal on a loan?

2007-10-04 15:48:52 · 7 answers · asked by MIRACLE GIRL 2

everytime i try to buy sumtin online they ask me for credit card numba i just wana find a australian site that i can just send cash to or send cheques

2007-10-04 15:34:09 · 1 answers · asked by jutty_is_ere 1

I don't have a credit card but a debit so is it still possible to order stuff from online if so how because everywhere i look it says visa and mastercard. Please someone help.

2007-10-04 15:28:55 · 4 answers · asked by Amir R 1

so i went to freecreditreport.com and they gave me my "free" credit score and it said one thing then I pulled it from annualcreditreport.com and i paid to get my score and the score from the first one was equafax and the second was from experian and the second score was about 50 points higher. Whats the difference between the 2 and is the "free" one reliable?

2007-10-04 15:16:55 · 10 answers · asked by whistlebritches_17 1

Also, can I sue reporting agencies for liable if they have wrong information. Punitive damages?

2007-10-04 15:13:30 · 3 answers · asked by victorschool1 5

I filed for bankruptcy in Feb and it went thru but i am looking at my repot and the items that i owed are still on there and stating that there in collectios , shouldnt it say (bankruptcy) ,all of my creditors were listed , do i have to ,write to all of them saying i filed bankruptcy ?

2007-10-04 14:35:22 · 8 answers · asked by Angel 2

I recently joined a credit counseling service because I am a college student that got way in over my head with credit cards. I was painted into a corner and had nowhere else to turn- so first and foremost I do not regret doing it. When my dad found out, though, he went ballistic. He said I basically had just filed for "partial bankruptcy" and it would kill my credit score. I've read other accounts that say that credit counseling shouldn't hurt your credit. I really want a definitive answer on this. Does it hurt your credit or not? And if so, how badly?

2007-10-04 14:31:51 · 4 answers · asked by Anonymous

You sign up for a new Credit Card...
the agent tells you about some "Special Programs" that
are available to you...
for example:
1- Payment Protection
2- Identity Protection

You know you DO NOT want them...
You know you would NOT and HAVE NOT authorized them...
Yet, they appear as charges on your FIRST STATEMENT.

This has happened to me before, and has just happened again...
the (monthly) charges are $11.99 for one and $16.49 for the other...

I'm in the process of cancelling both...

How common is this for charges that you DO NOT want and
you never authorized to appear on your statement anyway?

2007-10-04 13:34:33 · 4 answers · asked by GeneL 7

2007-10-04 13:27:55 · 15 answers · asked by sayfee2k 1

2007-10-04 13:19:45 · 7 answers · asked by Araceli 1

The credit card I was using expired and now I want to add funds with the new one, how do I do it?

2007-10-04 11:23:38 · 2 answers · asked by gerardo w 1