Credit - October 2007

The agency that had the loan started garnishing my wages in 2004 despite the fact I informed them it wasn't my signature on the loan. I filed an affadavit of forgery, sent them copies of my signatures and filed a police report. The police indicated they would not arrest because it happened in 1992 and I filed a report in 2006. What are my options and I am legally held to this loan. The loan is a student college loan for her daughter, my step daughter.

2007-10-25 09:48:12 · 7 answers · asked by nycblues1122000 1

i have a job but why cant i get approved?

2007-10-25 09:33:27 · 9 answers · asked by Anonymous

DO YOU HAVE TO PAY ANYTHING UP FRONT?
IS THERE A MINIMUM TOP UP PER MONTH?
IS IT ANY GOOD?

2007-10-25 08:53:06 · 3 answers · asked by Maz 1

2007-10-25 08:49:49 · 7 answers · asked by joao c 1

I already have 1 credit card w/a $500 limit, through my bank. which is helping me re-establishing my credit now. I got it this past June. I pay way more than the minnimum payment. I have applied for other cards and got turned down due to my low credit score, what other cards can I get besides a prepaid card??? What cards to apply for? My score is really low and have old delinquent accounts on my credit file. I need it for the Holidays. Please Help!

2007-10-25 08:49:03 · 13 answers · asked by wifey 1

We have 2 loans for our 2 vehicles (1998 Ford Ranger Truck & 2002 Dodge Caravan). Both loans have alot of other things rolled into them and they both total around $30,000. Our cars obviously are not worth the total of the loans. They said that if we cant come up with the $2500 to bring them current we would have to give them back. We just relocated out of state from MI to SC. Any advice?? Yes they have our new address (woman I spoke to said we could work something out so I stupidly gave it to her). What about chapter 13? Should we sell them and give the credit union the cash and try to get other vehicles? I currently have 3 books on how to fix your credit so if we could do this as softly on our credit as possible thats the way we want to go. ANY advice would be appreciated.

2007-10-25 08:49:01 · 5 answers · asked by Spreading Good News! 2

A freeze has been placed on my bank account due to a old cell phone bill and they doubled the amount, I need assistance on what should I do?

2007-10-25 08:25:12 · 2 answers · asked by guadie 1

I want to get a card that charges no fees and 0%apr for at least a year. this way i could get the money stick it in a 9 month CD and collect the interest and then pay back the credit card

2007-10-25 06:55:30 · 6 answers · asked by Anonymous

I'm trying to get a mortgage approval. I am shopping around for lenders. How do I go about this without jeopardizing my credit?

2007-10-25 06:33:31 · 5 answers · asked by ★Banäna . Nightmärẹ★™ 7

I want to know what creditors or skiptracers that appear as inquiries on a credit report participate in third party skip tracing,

I would like to know because I am obviously skiptracing a high profile individual,...

2007-10-25 06:13:24 · 2 answers · asked by Anonymous

Has anyone ever taken a loan with american corp- has anyon ever taken out a personal loan and they want you to send them a security deposit of $800 first and then you get your loan

2007-10-25 05:46:22 · 5 answers · asked by 2 + 2 2

In August, I rented a trailer from the U-Haul store on Marginal Way. My mother had let me use her credit card to secure the transaction (you can’t rent one without a credit card, or so I was told). The contract was in my name only. I had the trailer for a day. I returned it, and the transaction was charged to my mother’s credit card (as previously arranged with my mother). My husband then rented a truck. The contract was in his name only. He had asked if they could secure the truck with the credit card previously used. They said, no, because the numbers are not kept on file. They stated that they would, in fact, secure the transaction with a cash deposit of $100. Had we known this from the beginning, we would have used cash for the trailer as well.

So we rented the truck, with the intention of only having it for a day. It turned out we need it for four. We called and explained this to the manager, and returned his calls when he called our cell phones, because he was not happy. I empathized, but I needed the truck to move. We brought the truck back on Friday, August 24, at 7:45 PM. The store was closed (the sign said it closed at 8:00), so we left the truck.

We had moved all of our stuff into storage, because we hadn’t yet closed on our house. When we finally did (four weeks later), my mother received a credit card statement. I had completely numbed it about paying U-haul, because I was so wrapped up in the house-buying process. U-Haul had charged her card $478.82 for the truck rental. I called the store, asked them to refund her card the charge, as they were not authorized to use her card for that transaction. I explained that, when this was done, I would pay for the transaction. The manager refused, told me I just needed to pay my bills, called me a liar. It was a lovely conversation.

Here is my question: The card was attached to the contract in my name. Did U-haul have the right to use that credit card to cover a contract in someone else’s name, regardless of our relationship? For all he knew, we could be divorcing. Does this amount to credit card fraud? And, do I have the right to ask them to refund my mother before I will pay a dime?

2007-10-25 05:29:42 · 5 answers · asked by seevie8 2

2007-10-25 05:13:28 · 5 answers · asked by john 2

I have horrible credit and she has great credit. When we get married, will mine get better but will hers get worse?

2007-10-25 05:13:21 · 4 answers · asked by Andre 7

I JUST TURNED 18 AND IM RECIEVING CREDIT CARD OFFERS LEFT AND RIGHT...ANY TIPS ON HOW NOT TO BE ONE MORE AMERICAN IN DEBT??

2007-10-25 04:47:58 · 9 answers · asked by MARAVILLA ²6™ 1

We got a new tv back in july and now they are asking for a month and a half as we called halfway through 1 month and they then needed 30 days notice - surely they can take the 30 day notice from when they were told. Who can I get advice from as we are skint and cant pay this - Help!

2007-10-25 04:24:02 · 8 answers · asked by Vickie H 3

According to the FCRA, section 605(c) runnin gof reporting time, it states that, "In general. The 7-year period referred to in paragraphs (4) and (6) of subsection
(a) shall begin, with respect to any delinquent account that is placed for collection
(internally or by referral to a third party, whichever is earlier), charged to profit and
loss, or subjected to any similar action, upon the expiration of the 180-day period
beginning on the date of the commencement of the delinquency which immediately
preceded the collection activity, charge to profit and loss, or similar action."
My question is: What about a bill ( medical services from 10/28/2002-12/18/02) that was NEVER paid on, has NOT been sent to collections. When would the SOL have started on this(since there has never been a payment on this account) Would it be the last date of service-12/18/02? If my state of NY is 6 years, does it mean that they have until 2008 to try to collect payment? Thanks!

2007-10-25 04:19:53 · 4 answers · asked by Angeleyes78 3

I have always wondered just what it is they use to determine some one credit worthiness today. I am one of those guys who as never been able to get a loan. I applied to one of these offer I got in the mail "bank of America" 10.000 8.99% after a half hour on the phone they offer me 500 dollars I laugh and hang up! Here's what they no, I'm a union employee 15 years, avg. yearly inc. 60.000, more true 8000 net a month cause as a union worker I rarely work more than 7 mo's. one credit card I owe 7.500, no mortgage, no bills, no bankruptcy, no late payments I make 32 dollars hour. My credit score is 720 I own my house I have had several always paid cash never ad a mortgage, never ad a car loan, never had a loan. I always have had credit cards always paid them on time. wife kids utilities phone car insurance only bills I have make plenty of money me and my family are basically dept free we travel every where yet I could not get a loan to save my live some explain this to me?

2007-10-25 04:06:52 · 8 answers · asked by afarmboy87 2

It got disconnected at one point, but I called and made payments to re-connect the service. I hope its not too late for my credit.

2007-10-25 03:54:07 · 6 answers · asked by aolsuxp 2

i did try to sign up for the personals but yahoo does not accept my debit card why ??

2007-10-25 03:42:39 · 12 answers · asked by Anonymous

I have paid all my bills this month but 3 items went to collections. They will remain on my credit for 6 more years. I will start searching for apartments in 3 more months. What are my chances of getting an apartment? I don't have anyone I know that will cosign for me. What should I do? I can't stay at the place I am living either. Should I find a sublet?

2007-10-25 00:06:29 · 5 answers · asked by Anonymous

I have just purchased tickets online and I believe that I failed to selcet wether my card was a Visa American Express or Master Card.

Mine is a Master Card and I think I accidently said it was a Visa...

...will it still charge me [because my credit card number and validation was all correct] the only thing that was off was my card carrier....


and when i go to pick up my tickets will they accept if I put visa and i have a master card?

2007-10-24 18:19:13 · 5 answers · asked by Barbie 3

Is there somewhere or anyway somebody can find a loan with bad credit , not cash advance a long term loan ?

2007-10-24 18:18:46 · 2 answers · asked by tatou 1

... and with about maybe $38k in student loan debt, what are my odds of getting a decent rate on an auto loan? I'm looking to finance a new vehicle that costs roughly $22k.

2007-10-24 17:48:14 · 4 answers · asked by smileyface! 1

2007-10-24 17:21:36 · 2 answers · asked by pmojjo2003 1

I was looking into getting a secured credit card, meaning- I prepay for whatever I will be able to spend; so why is it that they have annual percentage rates for a card that doesn't even use their money? The definition of an interest rate is how much the borrower will pay on a LOAN- as this is no loan, I don't understand how this can be applied here?

2007-10-24 17:13:20 · 5 answers · asked by makeshift760 1

I have some old bills on my credit report I'm trying to take care of.
None of the bills are interest gaining. 1 old utility bill an insurance bill and a couple of medical bills. I am trying to get all of them paid off a soon as I can. Should I pay one off before the others?

Newer bills before older bills dates are ranging from 2003 - 2005 its not a lot of money that I owe only about $700 in all.

Once these are paid what would be the best way to start building my currently poor credit. I have never had a credit card or any type of loan what so ever . Only derogatory bills.

Thanks for your advice.

2007-10-24 17:10:05 · 5 answers · asked by Ryan W 2

ok im still a student and im here from the Philippines, now i want a credit card of my own, coz everytime i want to join a web site they need it, now i have the money but what they need is a credit card? can i have my own?

2007-10-24 17:09:28 · 2 answers · asked by Anonymous

This question is targeted towards students, but anyone is welcome to answer. Do you always make full credit card payment? Ofcourse, everyone probably makes at least the minimum payment due. But how often are you not able to make full credit card payment -- 50% of the time, 70% of the time, 90% of the time or very few or some other estimate. Give an answer that relates to your situation.


I am almost $4000 behind in my credit card dues but i do pay at least 5 to 6 times more than minimum due. I checked my credit score and it was 711, but i hate to pay finance charges so i was curious to know other students' situation with credit card dues.

2007-10-24 17:02:13 · 1 answers · asked by Anonymous

I got stuck with a bill for $600 from a CAT scan that my insurance company decided to make me apply my deductable against. I recently lost my job and I talked to the hospital about trying to structure payment on a payment plan. They wanted me to pay $45 and I asked if I could pay less than that to stretch out the payments over a longer period of time. The person at the hospital said that if I pay less, then "the computer would kick my account to collections." When I told my wife, she said that hospitals and doctors can't send your account to a collections agency as long as you are making a good faith effort to pay the bill. Something similar happened to her a few years back for a similar amount and was able to pay far less than that amount on a monthly basis. Anyone have any ideas on this or any experience?

2007-10-24 16:53:58 · 6 answers · asked by TK421 3