Credit - October 2007

about 3 years. She buys everything on it and tries topays it all off at the end of the month - no check book to keep track of. She had a large car repair bill last month and was unable to make her card payment. Her credit card bill came in today and along with plenalties, her interest rate jumped to 33% from her normal 12.9. Now a 3rd of her monthly payment is interest. How can they do this and aren't there Usery Laws. What can she do? She just makes ends meet as it is and her family isn't any better off.

2007-10-03 14:23:42 · 4 answers · asked by Anonymous

i got a check from a relative and its from county schools federal credit union....where can i cash it in Las Vegas NV?

2007-10-03 14:10:20 · 5 answers · asked by Anonymous

They maybe a medical collections firm

2007-10-03 13:14:28 · 3 answers · asked by JonnA 1

I want to know if it is possible to not be verified with PayPal, and not have any added bank account or credit card, but still use my PayPal account to but items. I am trying to buy a video game for my Nintendo 64, but I cannot, for each time I try, PayPal tells me I have to have an added bank account? Is this true, and is there any solution?

2007-10-03 12:54:34 · 5 answers · asked by Anonymous

do the taxpayers pay it?

here's the other question: can someone do this? rack up major credit, let's say $79,000 or whatever. then, instead of paying it, they declare bankrupcy.

then they never have to pay it!!!

is that right?

and then, next year, they rack another 47,000 dollars, whatever, and they do the same thing over and over.

can that b done?

ps: i am in no way insinuating that i do this. lol, i pay in full every month :)

2007-10-03 12:51:53 · 2 answers · asked by chapped lips 5

We have a Sears credit card and they closed the account before we paid it off. It is almost paid off. My husband cancelled the account care and they sent us a letter stating that they sent to the credit bureaus that we closed our credit card account and we did not, they did. Will this go against us.

2007-10-03 12:46:17 · 5 answers · asked by genevieve592000 1

i now have a new negative collection on my credit reports and this debt is over 10 years old..can a collection agency do that any time? and it can pop up on my report decade after deccade??? doesn't seem legal to me?

2007-10-03 12:40:23 · 6 answers · asked by doglover2 1

I thought it's better to pay in full but this is what i copied and pasted from another question that I answered:

"""It just shows potential companies you borrow from that you dont really have credit established if you pay in full every month. I would put like $200.00 on a credit card and pay the minimum every month until its paid so the credit card company can report that to the credit reporting agencies such as experian etc"""

so it hurts us to pay in full? is it better to pay the minimum? does my credit score lower if i pay in full? am i not getting his answer?????

THANKS GUYS!!!

2007-10-03 12:31:54 · 7 answers · asked by chapped lips 5

2007-10-03 12:29:26 · 7 answers · asked by chapped lips 5

2007-10-03 12:25:26 · 3 answers · asked by tiffy a 1

I know we should send a credit report while disputing something from the bureaus but do we have to send the entire report. I have a 16 page report !! LOL yes 16 pages and want to know if I should just copy the page that contains the incorrect information or copy the entire report.

Please note, I’m asking this because through my experience credit bureaus love to prolong the process by stating there isn't enough information and I need to submit additional documents.

Sorry, but please answer if you're certain of the answer :-)

Thanks in advance!

2007-10-03 12:18:38 · 2 answers · asked by Fahad S 3

I'm paying off my credit cards. How long does it stay on my credit report? Trying to improve my credit by having 1 credit card. Any ideas? I have like 6 credit cards. Someone told me it still says on credit report for a few years. Does it improve your credit score by paying off credit cards?

2007-10-03 11:44:31 · 8 answers · asked by greeniis777 1

this is my first bank account and i dont understand anything about it!!

2007-10-03 11:29:04 · 9 answers · asked by Anonymous

I co-signed for a car loan for my fiance and during the signing realized that his name is in the co-sign position on the loan docs while my name is the owner.
When I mentioned this to the loan processor, at the car dealership, he shrugged it off like it was no big deal.
In the meantime, I'm going crazy. Do I own this car? Who is responsible? Is he the co-signer on his car?
What happens in case of a default?
I admit that I am a little more than a little confused.
Thanks!
.

2007-10-03 11:17:17 · 17 answers · asked by TygerLily 4

I went to open up a bank account today and they stated that they couldn't because of something on my credit report. Obviously, this is not good, although, I had just opened up an account at another bank prior to this. Have you ever had to deal with or heard of Chex Systems? How quickly will they get your report to you, once you have applied online?

2007-10-03 10:54:33 · 3 answers · asked by mixed_beauties 2

2007-10-03 10:38:57 · 6 answers · asked by shadow_79us 1

Once the lender determines the balance owed ( are there any laws about calculating that???) do you pay intrest on that amount, and what about the terms ( how long can you take to pay it back??)

2007-10-03 10:06:39 · 3 answers · asked by samm 1

2007-10-03 09:54:16 · 8 answers · asked by creampie3 1

my husband took out a loan "two years" ago for 2000.00 from this loan place call CASH CALL he got the number off t.v. from gary colman! anyways he took the loan out for christmas so he could give me and our four kids a good christmas well he has been paying $200 on this loan every month for two years so i asked him when will he be finished paying this loan and he said when he gets the two thousand to pay them off because he has just been paying the interest on it which is 200 a month! my god i know he made a big mistake but is there anyway to fix this he has already payed these people $4,800.00 for a 2000.00 loan

2007-10-03 09:28:27 · 13 answers · asked by notyochic 6

2007-10-03 09:23:39 · 8 answers · asked by Anonymous

Does being enrolled in a Credit Monitoring service get you more easily approved for credit cards?

I am offered this service for free for one year through my job, and i would like to know if being enrolled in a Credit Monitoring service which includes total protection from identity theft, can improve your chances when applying for credit cards and loans.

Or is it simply just good for protecting you from fraudelent charges?

2007-10-03 09:22:22 · 7 answers · asked by qualitycountz2003 2

2007-10-03 08:30:55 · 10 answers · asked by Chuthan 1

I heard that most credit card companies increase your APR even if you pay on time! What they do is they check your car payments and other cards, and if they see that you are late with OTHER cards, they still increase their APR. What gives???

I heard it's called the Universal Clause??? i'm not sure

2007-10-03 08:05:31 · 10 answers · asked by chapped lips 5

I request my credit report twice a year. but I've never actually received my actual score. I'm in the process of buying a house but before I do that I need to know where I rank. What company (website) gives credit scores? the cost is not a problem.

2007-10-03 07:51:02 · 6 answers · asked by Jen 1

I have a company that collects fees from the customer every month. How can I find a company that will allow me to deduct the amount owed from the customers bank account every month? (I realize I will need a voided check and permission from the customer, but I am unaware of how to search for a company who will provide this service to my business).

Thanks

2007-10-03 07:48:24 · 4 answers · asked by jspinx 2

i pay my credit card in full every month. But that means that the credit card company is not making any money off of me right? I mean since I pay in full, I don't have to pay any APR.

Isn't that the point from the credit card's company point of view? to make money off the customer through APR?

Well since I NEVER pay any APR, am I a "bad customer" in their eyes?

2007-10-03 07:37:00 · 9 answers · asked by chapped lips 5

2007-10-03 05:21:07 · 11 answers · asked by KillahKam 2

I have been missing 2 payments for 2 differents cards.I never had a court payment and I have been a good customer.Now I need to finance a car and I don t want made my credit score rating worst with refused applications.

2007-10-03 05:16:08 · 4 answers · asked by Anonymous

I live in NY and thought that companies are not to charge your credit card until the merchandise purchased has shipped. We bought an item off the website in july and still havent received it. We were never notified that the item was on backorder and the credit card was indeed charged back when the order was placed. We have tracked down a member of the management staff who is asking for the credit card number in full to refund us our money. Shouldnt their database still have this since they charged it? I am worried about their credibiltity and would rather not give "some guy" my cc #. Thanks for any advise you can offer!

2007-10-03 04:51:12 · 2 answers · asked by Anonymous

2007-10-03 04:42:52 · 5 answers · asked by sweetbutterfly142000 1