Credit - October 2007

I was helping my bf financing a car since he has no credit, but now he is planning to stop the car monthly payment because even he sell the car now, he still own the bank for 6k. So he is planning to let the bank tow away the car instead. What should I do? I don’t want it to hurt my APR.

2007-10-02 08:41:21 · 5 answers · asked by Nicole 1

Hi, i'm 18 years old and need a loan for 5k. I already have 9k in the account for the car but I do not have the other 5k for the vehicle I purchased. I recently quit my job and I'm in the process of applying but need a car first to get to the job. I tried the bank and co-signed with my mom but the loan was denied for some reason when my mom has perfect credit. What are some other places I can go to to get a loan besides my personal bank?? Really need your help here! Thanks.

2007-10-02 08:21:15 · 5 answers · asked by GeorgeW. 2

I had to file bankruptcy 6 years ago, because of a previous marraige. I would like to have a credit card now. It is really hard to find one that will approve me. Does anyone know of a credit card company that would approve me?

2007-10-02 07:55:20 · 10 answers · asked by Andrea B 1

I have two credit cards I have only had for a few months and with one of them I get a credit report every month and it says it is not available for me to show I have any credit til 6 months.

I want to try to lease a car next summer so it will be over 6 months but does it take a long time for me to be in the "good" credit stance? I am using around 30% available credit and paying it off every month

2007-10-02 07:05:06 · 3 answers · asked by Anonymous

I just paid off my balance and not planning to use my credit card at all...should i cancel it or just leave it. Will inactive account damage my score?

2007-10-02 06:50:25 · 8 answers · asked by Dina N 2

I have a problem here. Anyone who knows how to fix this, please let me know.
I sold an item to a buyer on eBay. Buyer paid (but did not opt for insurance). I packed nicely and shipped as usual. Unfortunately, there was something bad happened during the delivery. The package arrived to buyer damaged and out of shape. Was unable to file claim with post office (since no insurance was bought). I offered to share a portion of loss with the buyer but the buyer wanted more. I refused and now the buyer went to file chargeback with credit card. Is that reasonable? Will Paypal send me the chargeback?Can I fight back? What can I do to protect myself? At the beginning I set the insurance as optional. However, the buyer did not take the option and now the buyer do not want to take the loss. What shall I do?

2007-10-02 06:35:57 · 4 answers · asked by daisyhill 2

I was going to consolidate two credit card onto a new lower interest card and cancel the old cards. However, I was informed that closing the old cards would not look favorably on my credit report. I thought this was strange as good credit reflects on your credit report for 10 years and keepin the old card open whould make your debt ratio higher. Can someone explain this to me?

2007-10-02 06:18:42 · 7 answers · asked by Anonymous

I was signing up for a credit card cause it will help build your credit but the
visa!Classic
Annual Percentage Rate
for Purchases (APR): 19.92%

Other APRs: Cash Advance APR: 19.92%

Fees for Issuance or Availability of Credit: Account Set-Up Fee: $99.00 (one-time fee)
Program Participation Fee: $89.00 (one-time fee)
Annual Fee: $49.00
Account Maintenance Fee: $120.00** (annualized)

Grace Period for Repayment of Balances for Purchases:
Not less than 25 days from the Statement Date if the prior month’s balance was paid in full by the Payment Due Date

Method of Computing Balance for Purchases:
Average Daily Balance (Including new Purchases

Minimum Finance Charge: none
Transaction Fee for Foreign Currency Transactions:
2% of any transaction made in a foreign currency that is converted to U.S. Dollars by Visa or MasterCard

Transaction Fee for Cash Advances:
3% of the amount of the Cash Advance, but not less than
$5.00***
Late Payment Fee: $30.00

2007-10-02 06:18:10 · 6 answers · asked by ♥ ~ lele ~ ♥ 2

Will they still charge interest on the amount owed until it's paid off?
If so, is there a maximum amount of interest they can charge?

2007-10-02 05:51:48 · 7 answers · asked by Anonymous

Okay, so they called me that i had till the 12th of september to pay my balance off, so i did on the 12th. They said once i paid it off, that they will send me another card or something? So i've been waiting for my card, and it's been over 6 weeks i think? they also said that it will come within 6-8 weeks. i dunno what's going on but can i still use my old one? or should i wait some more? need some answers about this. i would appreciate so GOOD advice. thanx.

2007-10-02 04:27:12 · 2 answers · asked by coolies87 1

2007-10-02 04:21:43 · 2 answers · asked by jhiadel 1

Having open credit cards with no balance, or cancelling them before they expire?

2007-10-02 03:42:17 · 12 answers · asked by Anonymous

I got behind on a school loan bill and got a letter saying I'm about to go into default and that they will garnish my wages and take my tax returns. Well, I don't work, so I have no wages, nor do I get a tax return. My question is will they take my husband's wages and tax returns? Has this happened to anyone else?

2007-10-02 03:25:18 · 4 answers · asked by danac210 5

I overheard someone saying that you shouldn't close your account after you pay a credit card off because it will increase your score for leaving it open

2007-10-02 02:09:37 · 6 answers · asked by Anonymous

need help

2007-10-01 15:52:43 · 9 answers · asked by nemokame 1

Can you negotiate debt owed to a credit card company without using the aid of a company who specializes in this? If you agree to an amount to pay off each month and close the account can the credit card company stop the monthly finance charge?

2007-10-01 15:46:02 · 6 answers · asked by Anonymous

and hate their credit card. Is it realy for you? Do you are stopping to use the credit card? Why? In Brazil everyone use everytime! Please comment this!

If someone to want, correct this text for me. Thank you!!

2007-10-01 15:05:26 · 7 answers · asked by Anonymous

My husband has a high 500 score (bad I know), but his debt is really low (Less than 1,000) but he just now paid off a credit card that he DIDNT pay for 5 months. His income ALSO has been low for the past few years, but he is deploying soon and will be making more than enough money to afford a house. Will the mortgage people take let us have a VA loan (he is eligible, served 1 and 1/2 yrs in Iraq) even though he HASNT made much money, but it is PROVEN he will make enough money to pay for the house? We're in a crunch to buy a house, because we live in a one bedroom apt. with 2 dogs, and the rent houses in this town are twice as much as buying, and in bad neighborhoods. PLUSSSSSS I'm pregnant, and I want to feel safe there by myself and baby while he is gone. DONT give me a website to FIND the answer, just let me know if they will give us a loan based on his FUTURE pay. THANKS!!!!!!

2007-10-01 15:01:37 · 3 answers · asked by melaniemia7 2

2007-10-01 14:40:54 · 5 answers · asked by Anonymous

I have a bank account with Scotia Bank and a credit card with Scotialine Visa.

I'm going through rough times and can't pay back the credit card at the moment....

Can they freeze my bank account in ransom for the unpaid credit card or is that illegal?

2007-10-01 14:34:14 · 4 answers · asked by fantapattaya 2

do you use it to pay for christmas?

2007-10-01 14:28:51 · 8 answers · asked by Anonymous

I am looking to consolidate a large chunk of debt, and I am hoping to lower my interest rate to 14 or 15%. Do any of you have any experience, and what might you suggest?

2007-10-01 14:15:07 · 5 answers · asked by Billie G 2

If I cash a check marked paid in full made out for an amount that is less than the amount due, will I be able to bill for the remaining balance?

2007-10-01 14:14:25 · 9 answers · asked by Janet 6

I got my first check and i need to cash it. i live in concord california?
advice anyone?

2007-10-01 14:07:59 · 3 answers · asked by Fabjmc 1

but it is not FREE... About a year ago I went to one that was actually free and now I can't find it.. I thought it was equafax.com but now there is a fee. If anyone knows of one, would you let me know. I would be curious as to what my report would say. Thanks...

2007-10-01 14:05:40 · 4 answers · asked by lucylocket7258 7

Our car payment was 1 day late and the company began calling us repeatedly and then came to our house looking for payment, what are the laws regarding this?

2007-10-01 13:25:07 · 8 answers · asked by wmheim13 1

What does a creditor do, exactly?
(As opposed to what can they LEGALLY do.)
What is the worst thing that ever happened to a creditors "prey"?
And is it true they only get paid on commission?

2007-10-01 13:23:21 · 4 answers · asked by fantasie66 3

I forgot to enter some things into my check register and it resulted in a returned check. I paid the bill that the returned check was for and all the fees immediately after I found out. I'm just wondering if this is going to effect my credit at all...this is the first time it's ever happened to me and I'm sooo not happy with myself and kind of worried about it too. Thanks for any answers I get!

2007-10-01 12:53:00 · 9 answers · asked by Cass 1

I have very good credit, and i was wondering will i be hurting my credit if i frequently change/transfer my funds to other credit cards to have 0% interest.

Your input is appreciated!

2007-10-01 12:02:51 · 0 answers · asked by Dave 1

My 22 year old brother passed away, a few days after, my mom called Citi to cancel his credit card and the lady she talked to said that Citi will write-off the balance (approx $950 in which he normally paid off balance monthly). The Citi lady just asked the for the date and county he died in to check the facts.

Now, a month later, the bill was received anyway and now Citi is saying that that is not their policy and the balance is due and they are not putting the $400+ in cash rewards toward it.

All they are doing is making this difficult time even worse. Does anybody know what is going on and what is their real policy?

2007-10-01 11:58:46 · 7 answers · asked by amanda 3