Credit - October 2007

well we get credit thats fine,some say its youre own problem but when you get behind you have to start covering up with more cards that they offer knowing that you are behind on the first credit card and so on.they hope you cant pay so the can do late fees and raise intrust payment sky high.for someone who is in trouble and not there falt there good job let every one go.but they dont care.there things to do but most times its to late

2007-10-28 23:25:03 · 6 answers · asked by crazyneandaball 2

Hello. I have a discover card cashback bonus card and someone called in as me which caused Discover Card to place my account on hold. It has been three weeks now and I have very little time to go to prove i am the account holder by showing my driver's license. I just check right now and i have 0.00 dollars in cashback bonus in which i was suppose to have $130.00. I am so friggin pissed since it took me two years to accumulate all of that bonus. What should I do and do they have the right to forfeit from me?

2007-10-28 21:28:41 · 3 answers · asked by Anonymous

whats the good, bad, and ugly about credit card convience checks?

2007-10-28 17:58:32 · 3 answers · asked by Anonymous

Is it true that your record as bad credit will clear after 7 years even though you did not pay the amount you owe?

2007-10-28 17:58:19 · 8 answers · asked by Grace M 1

I do owe the debt and will pay it, but my credit report is stating the wrong amount. I sent out a debt validation letter and recieved back my debt amount but it is for about 50% less than what is in my CR. What should I do? Contest it again or just contact the debt collector and start my negotiations? I don't want to get stuck with the other 50% after I pay them off.

2007-10-28 17:50:31 · 2 answers · asked by Jay R 2

Hello,

My mother is disabled with mental illness and is on disability. She is unfortunately not able to make the best decisions with her money. For instance, telemarketers and informercials frequently con her into buying things she can't afford nor does she need.

In addition, she had an x-boyfriend that took advantage of her and had her run up her credit cards for him.

What can I do to prevent my mother from being able to have and use a credit card? Do I need to be her guardian? If I am will I become legaly responsible and liable for her debts and actions?

Any other suggestions on how I can get rid of her credit?

Thanks for your help!

2007-10-28 16:32:58 · 3 answers · asked by Anonymous

my uncle told me that he put his credit card number on a website to buy a dvd player, then he cancelled the order and the dvd player didnt come cause it was cancelled but a the end of the month when he credit card bill came it was still charging 200 dollars on there. and that he was never able to get that money back cause everytime he called the same person answered the phone and the same person hung up on him. is this true or is my uncle triying to convice not to buy stuff of the internet with his credit card

2007-10-28 16:28:33 · 7 answers · asked by Me 3

2007-10-28 15:59:48 · 2 answers · asked by delacroix 2

Considering:
interest rate
likelihood of getting approved
etc.

2007-10-28 15:57:39 · 4 answers · asked by shadow6741 1

Or what about having a card and never activated it?...

If a revoling line of credit is paid. off.. doesnt that help your credit and at the same time if i closed the account after its paid for... it will still lower my credit?.... wow this stuff is confusing lol.

2007-10-28 15:20:24 · 4 answers · asked by LuLu 1

I recently purchased an atv. at the time, i could afford it with no problem. but, as my luck goes, i found out recently that i no longer can afford it and will HAVE to get rid of it. i've only ridden it once because this came up and i've been scared to drive it since. it only has 14 miles on it so its pretty much brand new. i was wondering if i took it back voluntarily, will it still hurt my credit? shouldnt they be able to resale it for about the same price since it only has 14 miles on it? very unlucky circumstances for me that these money problems came up right after i bought the atv. somebody please help!

2007-10-28 15:13:17 · 3 answers · asked by dirtychris2205 1

hey all i made a late payment to my discover card for the first time, but i always pay on time. They put my apr to 18% i called them back and they took off my late fee but the 4% apr rate i had jumped to 18%.... how can i go about getting back to a lower rate? an how long will it take?

2007-10-28 15:00:37 · 3 answers · asked by Anonymous

2007-10-28 14:45:57 · 5 answers · asked by betty jean 1

I have no idea how they got my email but it seems an oil company needs my help. They are buying oil refinereries in Houeston Texas for millions of dollars and their investors will be making millions within day's because of the price of oil...they have offered to give me 100K to help them open up their American accounts. They said if I send them 3K they will open my account and wire me $100,000 on Wednesday. I wrote them that I was interested and he's calling me back tonight.

I feel like I have won the lottery!!!!!!!!!

Oh....he said that everything is 100% backed by the Nigerian government so it's 100% solid...for sure.

I've never done this....and suggestions?

2007-10-28 13:45:21 · 18 answers · asked by Anonymous

is this real?does this exist?

2007-10-28 13:15:42 · 22 answers · asked by JCS 1

Hi I have like almost 20g on credit card debts. I was able to work due to injury and was on disability for past couple years. I didn't get much for disability so lived us a few credit cards. Now, I'll be going back to work but it is a modest paying office job.

What can I do about the debt?

My neigbor tried one of those credit consolidation companies recommended here and they asked for a small monthly minimum for all bills but turned out none of the $ went to pay the bills so she lost that $ and her credit cards were never paid! SO PLEASE don't just say some random online company. Please tell me a company if you used them with success or what else you did for successs.


I can't make the minimums, each card is like almost $200 minimum.
Please help, I choose to change and live off of cash vs. credit (unless true emergency or real bills, very few pleasures) but am dying on this plastic mess.

THANK YOU!


P.S. I tried calling all the credit card companies and no help!

2007-10-28 13:06:11 · 7 answers · asked by Lil Blousou 3

2007-10-28 13:00:53 · 5 answers · asked by Cheryl W 1

I consolidated this credit card that i maxed at 5,000, and I consolidated two other cards one was 800.00, and 500.

Before i consolidated the three cards i was current and On TIME, but it was a deep HOLE in my pocket so I consolidated and took my interest rates from 15% to 4%, and I have been paying on time for a little over a year. I am getting an AwesoME christmas bonus from my job, and plan to pay off my debts after NOV.1.

so what I am asking is:

Will my credit score go up after paying down debt by 60%,(because I know its good to have a little debt!) or because its consolidated it will still look bad! i recent learned consolidating isnt a good thing to the credit people!

2007-10-28 13:00:09 · 2 answers · asked by ashley p 2

its only been a week or 2 but i used up all my minutes and the bill went up to 70 pound, and it telling me i reached it. i cant txt or anything. what does this mean? that i have not payed my bill?

2007-10-28 12:50:07 · 3 answers · asked by Anonymous

2007-10-28 11:27:02 · 11 answers · asked by pro_popilon 1

I am behind 2 car payments through Chrysler Financial. Due date is the 17th of every month. On the first, I can make one payment, but that would still put me 14 days behind on one. Then the next one would be due on the 17th, and I'm not sure how I could make it. Am I just dreaming to hope that if I can make a full payment on the first, they might give me a two payment extension, making the next one due Dec. 17th? Or possibly making one payment, getting a one payment extension, and changing the due date to the first of each month? That would mean I could pay the one that's over a month late, make the next one due on the 1st, and then extend that? Make sense? My husband and I just separated and are going through a nasty divorce. I have cut back on all expenses to try to stay afloat.

2007-10-28 11:09:13 · 3 answers · asked by la9799 2

the 2nd months payment wasnt my fault the bank said after the first missed payment we shall take it out next move but never

2007-10-28 11:05:00 · 4 answers · asked by Scott M 2

Up until last year I did not have a problem. Some of my mail had my physical address, and some my mailing address. My post office began stamping my physically addressed mail with a red "incorrect address" stamp. They will now often return the mail to the sender. I have been fighting with banks and credit offices to change my current physical address to my p.o. box. They will not send my bills or credit cards to my p.o. box! Because of this much of my mail is rerouted back to the business. I am being penalized with late fees because of this now. I have cancelled many of the cards, however I'm still having a rough time with my bank. I have been approved for loans, but when they send me the check it gets returned back to the bank. They will not accept I have a p.o. box, therefore I have had to cancel my approved loans. They cite that it's because of the "Patriot Act." I've tried to research this but I don't see where it says I don't have the right to get my mail at my address. Help!

2007-10-28 10:07:11 · 2 answers · asked by Anonymous

My ex-husband opened up at least two joint bank accounts that I never knew about, while we were separated. After racked up credit cards, he had his name removed off the account, claiming it was hurting his credit. So, we were officially divorced 2 weeks ago, and I'm left with the open accounts that I had nothing to do with.

I called the police because the fraud department told me I should make a police statment, and they wouldn't help... they just told me to get an attourney. HELP!

2007-10-28 09:43:00 · 7 answers · asked by kitty86meow 4

Since about Aug 07 I have been working on establishing my credit history. I presently have 3 lines (gas, VISA & personal loan), all are being paid on time, but have not seen a change since starting out. How long does it take to see any improvement in my credit score?

2007-10-28 09:08:13 · 1 answers · asked by eddievanhalen 4

2007-10-28 09:00:08 · 3 answers · asked by Spirited Virgo 4

I want to order some clothes from http://www.rochesterclothing.com but they only allow a credit card payment option

2007-10-28 07:41:24 · 6 answers · asked by John M 1

Hello All. Im in a horrible situation, just would like to know some options or suggestions I may or may not have. Alright, im 19 yrs old. Last year I had a Sovereign Bank acct. opened it and what not got my Debit Card. I then moved after having the acct open for about 3 weeks. During the course of the move I lost my card, didnt know at 1st. Then I recently tried to open up a different bank acct and im told im in the chexsystems for 3000 some odd dollars!!! I reported my card stolen, and I thought that cleared this up and what not..NO it did not. So now what can I do?? I live in Philadelphia. Can I contact the police, fill out a police report. Should I contact Sovereign..even though this was a year ago now?? I mean..I didnt do anything to my account. I cant even open up a Credit Union acct because of this. It really sucks..please sum advice..

2007-10-28 07:34:43 · 2 answers · asked by change167 1

My daughter was in an accident with my mother last year. She was taken to the hospital and must have given them her personal information during intake. She recently got turned down for a cell phone and I encouraged her to get a copy of her credit report. The hospital bills are on her credit report. Is this legal?? We were covered as far as insurance and I should have been listed as the person responsible for the bill. She was so shaken up that she didn't give them my contact information. Is there a way to have these items removed from her credit?

2007-10-28 07:28:58 · 4 answers · asked by mzbrwnskin 1

I'm 17 is there any age restriction for cashing a check from my job at cvs

2007-10-28 07:19:47 · 3 answers · asked by GHSballer@comcast.net 1