Credit - November 2007

2007-11-30 20:55:31 · 15 answers · asked by elfie 12 2

Is it a good idea to accept the deal?
What does check from a credit card means?

2007-11-30 20:23:36 · 11 answers · asked by JS 2

It shows as a charge off on my credit report but company says they have a judgement against me. How do i find out ??

2007-11-30 16:57:55 · 4 answers · asked by true t 1

which was the address for the debt in the year 2000, same first and last name, wrong address...we've been in Colorado since 1975. LIved in this house since 1991.
AT&T sold the debt to a law firm here in Denver. We demanded proof of the debt, they cancelled the court date four times , rescheduled it, but has not given us ANY proof that we could possibly owe this money.
As a retired school librarian, I don't want to spend a bunch of money on a lawyer, but am so pissed at the hassle we've been put through would like to counter-sue for harassment. I don't want to just settle this problem, I want reimbursement for the undue stress it's put on my husband.
Suggestions? Thanks!!!!

2007-11-30 13:32:52 · 9 answers · asked by imask8r 4

I knew something was wrong because my sister got one two and her credit is horrible. Then everyone was lined up getting cards. Now every one i know limits are getting cut . and it puting them over their limit. Do u think this was a sad effort for them to boost the sales for thanksgiving weeken.

2007-11-30 13:30:46 · 4 answers · asked by DABABY 1

I just had a car reposesed two weeks ago. The bank is not calling threatening to sue and garnish my wages if i don't pay the full loan debt owed and all the fees. The car has not been auctioned off as of yet. The bank is Fireside has any one had any experience in this manner or with this bank. I would be willing to pay some but this doesn't sound right. I owed 6K and they want 8K.

2007-11-30 12:01:07 · 4 answers · asked by Elizabeth M 2

Why do they charge a $15 payment to make a payment by phone? Don't you think they charge just a little too much? lol

2007-11-30 11:56:24 · 6 answers · asked by flawless1212 3

2007-11-30 11:50:03 · 7 answers · asked by I Inquire 3

i am trying to get a loan to consolidate my debt and no one will help me i just got a raise at work but my bills have such high payments, like my car. if i could get a loan i could pay off the car, and lower my insurance payments, and then pay off my other debts with it. that would leave me with so much extra money that $ 300 a month payments would be easy! and my living expences i have help with those so they would be low too. it's just no one will give me a chance i am so serious about this i want to by a house so my child will have a home of her own, but i need to repair my credit for that, but like i said no one will help me! so i guess my question is do you know any who will because right now i am drowning in debt and payday loans ( I know big mistake)! and i feel like my only way out is to file for bankrupty! ( did i spell that right) and i don't want do do that because that's the cowards way out and i want to pay what i owe. so any suggestions i really truely need help

2007-11-30 11:33:31 · 5 answers · asked by Anonymous

what do I do??

2007-11-30 11:19:45 · 5 answers · asked by Susan H 1

sent to her, on which she said she had never had any credit with that company. She sent this back within 30 days. But it wasnt notorized. They never validated the debt. Court is in 13 days and my question is , is it too late to ask them for validation? I have proof that she sent the letter. Also since court is in 13 days and by law they have 30 days to respond am I out of luck or could I still send them the request before I enter her answer which will be this Friday?

2007-11-30 10:11:15 · 7 answers · asked by purrfection02 1

I've had insurance on most of my credit cards for almost 2 -3 months now and I just got laid off from the company I was working at ... so in a week I'll be unemployed. My credit card insurance covers me if I loose my job but I don't know if I'm gonna be able to use it after being signed up to them for less than 3 months.

So my question is .. How much time after being signed up to them, does it take to be able to use my credit card insurance?

I'm very much worried since the unemployment agency doesn't pay that much and I have bills and a house to pay like almost everyone else. Thanks !

2007-11-30 10:06:03 · 1 answers · asked by Daly 2

2007-11-30 09:47:19 · 5 answers · asked by Anonymous

I used my debt card on the weekend, and my recipt said I had a positive balance. On Monday the bank cashed a check which made all my weekend chages in the negitive, charging me $36.00 dollars for each one. I now have 10 charges of $36.00 dollars each which adds up to $360.00 dollars, and almost all of my debt use was under $10.00 dollars. I'm just so upset because that was my rent money and I just don't know what to do. I spoke with a manager but they said they won't refund the amount. Can I take them to court??? Please help!!

2007-11-30 09:38:44 · 10 answers · asked by mikejets69 2

Last night i created a bogus account with Yahoo Personals and charged my credit card with my real name and address and now my bogus account is locked and can't open it,,, whats going on here,,,, can you cancel my credit card if I can't open my other account ?
David

2007-11-30 09:02:23 · 1 answers · asked by David 1

I was approved last year.
I lived at an apartment...but moved and changed my phone number....So The number I put on the card app. was changed.

I received the card about a month later....and Realized that I HAD to have my Home number that I put on the app. to Get It activated. So I called them and they told me to re-apply in 90 days. Well I'm still trying to apply for it as of today, and it says

"Cannot Approve Because Of: Previous Account Approval!"

Now, I can't get a Customer Service To Get on the Line. It's just Automated....Any Suggestions?

2007-11-30 07:51:12 · 3 answers · asked by unpredictable. 2

2007-11-30 05:39:24 · 7 answers · asked by Anonymous

I recently ran a credit report and found a debt of $130 to Synovus Bank that I don't believe is mine. I want to get this debt off of my credit report and I don't feel that I should owe the money. I know that the first step is to contact the collection agency that currently has the account and demand that they provide proof of the debt, but what to do after that?

I remember seeing a site sometime back that gave a list of steps you can take with collections agencies, and if they fail to meet any of the requirements laid out in these steps they are legally required to remove the debt from your credit report.

2007-11-30 05:20:14 · 6 answers · asked by Crazyjester9 6

2007-11-30 04:16:27 · 2 answers · asked by roderick_lewis23 1

If I took $100 and paid a card, took the money off after it clears and pay another card the same $100 and then pull it off again after it clears. Its like I've paid my bills without really spending any money. All I lose is a finance charge.

Sounds too easy though. Is it illegal?

2007-11-30 04:10:00 · 4 answers · asked by Janey 1

Hi, Actually i took a o2 contract for my friend. and she was using the phone for quite long time of 6 months...now recently i came to know that she cheated me..she hasnt paid the bill for some time and they have black listed my name to pay a bill of £400.I asked my friend she says i wont pay anything....i am so depressed and i don't have so much money to sort out the problem. i don't want my credit history to be spoiled. Is there anyway i can sue my friend and make the o2 people understand that i didn't use the phone..please help me in this situation....cheers

2007-11-30 03:40:40 · 4 answers · asked by sri r 2

This is a really evil practice, big brother gone mad.
Worse than the East German Secret Police !
The STASI have gone, but employers doing credit checks ?
That's evil, imagine you want a JOB you need a JOB to earn a LIVING but a credit check and you're denied a way to earn a living now that is really SADISTICALLY EVIL !
Hope to hear from anyone familiar with this evil business.
And campaign to get it outlawed !

If you're suffering, share the pain, we'll work it out !

2007-11-30 02:53:50 · 15 answers · asked by Love life and share happiness 3

A collection agency has threaten to file judgement against me and garnish my wage for the $534 i owe them even when I started paying them monthly. They are forcing me to pay biweekly for $52 but that's too much for me to handle so I started paying them monthly for the last 2 months. Atleast, I'm giving paying them whatever I can pay. Are they really going to take this court even when I started paying them or are they just harrasing me?

2007-11-29 23:41:38 · 13 answers · asked by Danny A 1

Can I be held responsible for my adult childs credit card debt? The company has placed his debt on my account?

2007-11-29 23:36:47 · 16 answers · asked by Carol F 1

I have been told many times, by many sources that my credit will never improve because of my defaulted loan. Recently, I've heard otherwise. Do you know of a website or any other source that explains this?

I've been paying off the student loans for quite some time now with no change in my credit report.

I used to dream of owning my own business, but threw the idea out the window after the loan ordeal. Now, I'm wondering if I still might have a chance.

I don't know if it matters, but I calculate that it won't be paid off for 15 years or so due to the fee's. (I have more fee's than loan at this point)

Any info would be appreciated.

2007-11-29 15:54:22 · 7 answers · asked by Wendy B 5

here it is I'm paying 940 on a 65,000 loan. I'm self employed and my credit is not good, ya know single mom bla, bla, bla. Any companies you know who would take a chance as I do have equity in my home.

2007-11-29 15:34:22 · 6 answers · asked by Amy C 2

This question is for those who have paid the 100% down plan in cash not credit not payments for something large. Perhaps your car, boat, house, lawn mower. My answer is that I paid cash for the computer I am using. The tower, printer, monitor and everything else.
So what was it for you?

2007-11-29 14:53:07 · 6 answers · asked by Daughter of King Jesus 6

I need much mony $ 30.000
and i dont have anyone that help me .
beacuse they dont bilive me
I want to work in my own , and it is very easy but i am bad lucky woman . i want to help any one in anywhere .
NO body is in the word to help me ????????

2007-11-29 13:42:16 · 2 answers · asked by e.shokrian 1

ok here goes, i purchased a car from a dealership and was financed through them, they told me they tried other companies and i was denied ,or the intrest was much higher due to not only my credit but the unpaid debts i have. i had previously paid off a car loan and the bankrupsy on my credit will be removed soon, my intrest rate is 23% and i have not been able to refinance due to debts on my credit. Problem is If i continue to pay such a high premium am unable to clean up my credit. doesn't seem to fair. I am trying to clean up my credit, but at the same time I have found noone that will refinance me so i could, it's like I can't afford the car payment now, so we won't refinance until the credit is better. catch 22 i guess any ideas. payments are always on time. i can't afford to keep the car, but can't afford to sell and still owe.????

2007-11-29 12:04:03 · 3 answers · asked by mary 1

2007-11-29 11:47:32 · 8 answers · asked by Robert D 1