Credit - November 2007

What I mean is can they actually go into detail with your accounts, etc.? OR do they only see you "credit rating" or "score"?? Someone with experience as an employer or manager, please help me out with this one. I am going to have a credit check done on me for a job, and my credit if considered "fair" because I don't have a long credit history, but I need a little info.

2007-11-14 16:54:02 · 13 answers · asked by djc07 2

My fiance' works offshore on an oil platform, usually if he cannot make thepayment over the phone, he will call and I will do it. However, he has been out for over two months, and just returned last week. He got a notice from the auto loan lenders yesterday requesting he contact them to set up a payment plan to get caught up. Today the repo man came and took the car. We live in Florida, loan was taken out in Alabama. He is usually only onshore for three weeks at a time, and no previous letters were sent, I would have gotten them. I had no idea he was behind so much. Any ideas on what to do? Will paying the balance due get the car back? We can get the money owed within a week or ten days.. He collects all his pay from work when he comes onshore... so that should be fairly easy to do. Since they sent a letter offering to set up payments, why send the repo man the next day? Any thoughts?

2007-11-14 16:06:35 · 12 answers · asked by B. 2

Pretty much all there is to the question.

Thanks.

2007-11-14 15:32:33 · 5 answers · asked by friend 1

I have a credit card for about $512.00 at a 22% interest rate and an outstanding balance in collections for $750.00. Which one should I pay off first and why??

2007-11-14 15:07:01 · 5 answers · asked by Mike D. 2

I only need to pay my credit card $300. So if i get a loan of $500-$1,000 i would only use 300 and pay them back at the end of the month.

2007-11-14 13:38:21 · 7 answers · asked by ydalmis p 2

I just received a lot of money and wanted to put it into a bank account because I want to save it for Christmas gifts. I am 14 and I want to know if I can get a bank account of my own?
Also can I get a card like ATM or something where I can just use that card to withdrawal the money from my account or do I have to go to the bank every time to take out money since I am young?

2007-11-14 13:36:04 · 6 answers · asked by Anonymous

I am a fresh 19 yr old with a credit score of 470 smh. I am looking to purchase a car in about 4months and i need my credit score up to about a 650 670. I have a cell phone bill that has bin sent to a credit agency i need to pay bill of 800. I also have a credit card bill rite now open with about 6 late payments of 563 and a saks credit car with 280 balance on my report. can someone tell me if i pay my credit card off in installments of 100 weelky( i have the money but just to stretch the payments) and pay the phone bill of in payments of 200 weekly and pay the saks off one shot will this boost my score to where i need it?

2007-11-14 13:09:44 · 6 answers · asked by Anonymous

If you have a mortgage or car payment, you can make an extra payment a year and you can pay it off much much sooner? I was told this today and not sure of it. I was told if you have a 5 year car loan you can pay it off in 3 years if you make an extra payment a year.

2007-11-14 10:11:09 · 3 answers · asked by Big D 3

I have a lot of bad accounts. Phone bills, credit cards, student loans. Will these follow me if I go to Canada?

2007-11-14 09:56:08 · 6 answers · asked by Anonymous

i'm attempting to get into the credit repair business, and i want to be prepared for everything

2007-11-14 09:45:59 · 3 answers · asked by ? 3

my friend and I are having an argument because her car got repo'd about a month ago for not paying. She is in a much better poistion to pay now but i am tryin to tell her it dosn't matter how much money you make no bank is gonna give her anoth 20,000 loan

2007-11-14 09:42:05 · 1 answers · asked by Baby0219 2

bankruptcy filed in 2004 I am not able to get a credit card and pay off the balance each month. Any other suggestions?

2007-11-14 06:18:02 · 7 answers · asked by bonstermonster20 6

I don't have a co-signer available, so that isn't an option, and I have $1000-$1500 to put as a down payment, versus no downpayment at all. I am a student, but also work around 30hrs/wk and get paid $10/hr, so I have steady income and a decent job. I went to a dealership and found an awesome deal, a 2001 Taurus with only 25,000 miles (I drive to/from school 30 miles each way daily) and they were asking $7900, but the guy I was talking to said that they needed more proof on my income and they are having a hard time financing me. I have charge offs (now repaid) on my credit report and late payments, but have made all my payments on time in the last three months. I applied with Bar None and another (Autoloans.com or something) and was denied from Autoloans. Is there any other place that I will be able to go to get financed for car??

2007-11-14 04:32:07 · 4 answers · asked by Anonymous

I had an account at a bank that was closed 4 months ago. I emailed the bank a QUESTION about their checking accounts. There was no application and no account relationship, since I ceased being a customer 4 months ago. As a result of that question by email, they pulled my credit AGAIN through ChexSystems. Is this in impermissible inquiry and if yes, what are my options? Can I sue them for $1000 for violating the FCRA?

To those that say I can sue, how to go about this? Do I need a lawyer or can I do myself? Please provide a link for my options

2007-11-14 03:46:55 · 4 answers · asked by orange juice 1

Recently, supposedly because I have an excellent credit rating, my credit card company issued me a Platinum Mastercard at 7.75% interest that gives back 1% of all purchases annually. Of course, it also has no annual fee.

How do they make money doing that? I had my standard credit card with the same company for the last 15 years, and recent history indicates that I always pay off my entire balance. Given that, it's as though *they* are paying *me* for the privilege of me using their card.

I'm not complaining! I just want to know if anyone can tell me the credit card company's financial rationale for paying me to use their card.

2007-11-14 03:23:55 · 8 answers · asked by Happy-2 5

WE ARE RECEIVING A INHERITANCE CHECK IN FORM OF A CASHIER CHECK SO IT IS FOR A LARGE AMOUNT.

2007-11-14 03:01:04 · 6 answers · asked by jmpoct03 1

In Dec.04, my husband and I bought a used 2002 Honda Accord LX in his name from a local Toyota dealership. He financed a loan in his name and bought the car for $11,000 total, with monthly payments of $400 for 4 years. Our credit is obviously not the greatest. Long story short the finance company has jerked us around since the first month, and pretty much screwed us. We've literally been on the phone every month with them arguing over our loan. As of today, the car has 87,000 miles on it, the paint from the drivers side door and over the front of the tire has completely peeled off and the car looks dreadful. Blue Book would probably place the value of the car (due to cosmetics) at around $6,000. We think the car was in a wreck previous to our purchasing it. So, as of today, it's been almost three years since we bought the car, and we currently owe $10,000 on it! It has been a complete money pit, and I am at my wit's end ready to drive it off a cliff. What options do we have?

2007-11-14 02:38:20 · 7 answers · asked by Anonymous

late on a credit card payment. and does the fact that its 2:23am day after it was due make any difference?

2007-11-13 21:24:06 · 4 answers · asked by anonymous24242424 4

I was a member of Hollywood Tans while at college. Then I graduated and moved back home, but forgot to cancel my account at HT. I called and asked to cancel, but they refused to let me do this without going into the salon. Since I lived nowhere near there anymore, I couldn't do this. I thus got a new debit card from my bank, closing the old debit card.

Now I'm worried that this might hurt my credit score, if HT has decided to continue to charge my account. Or, can this not apply to me since the account was made with a *debit* card and it was the *debit* card that I closed. Please let me know if I should be worried about this! Thanks.

2007-11-13 19:27:14 · 4 answers · asked by imtired 2

I actually recieved $141.10. Why did anyone bother to sue Lowes in the first place if they were going to accept a settlement? This payout is NOTHING to Lowes. Crime DOES pay, especially if you are a rich company.

2007-11-13 18:26:33 · 3 answers · asked by kodiak_dan 1

He has been harassing me to pay off a debt that I have ben struggling with for almost 2 months and I am currently unemployed.

2007-11-13 18:21:57 · 3 answers · asked by Will H 2

2007-11-13 18:08:34 · 4 answers · asked by Rainbow Kitty Fxck :D 2

ever changed your phone #, only to inherit one from a debtor? therefore, did collectors keep calling you/leaving msgs for a "paul" or a "julie" (ppl who had my numbers before) who owes debt, and won't leave you alone or believe you when you tell them they're calling the wrong person? (fyi, i don't owe any debt and my credit is fine!)

if you finally got them to stop calling you, how did you do it?

i just changed #s, and this is the second time i keep getting bugged with msgs looking for someone else, this time with a different name. i am clueless, as i have failed with getting collectors to stop calling me, with my first #. i don't want to keep changing #s again because of this. i do have caller ID, but since i know their #s (they go by different #s, all with the same agency), seeing their #s is so annoying, i just can't ignore them!

please help. any feedback would be great. thanx! =)

2007-11-13 18:02:30 · 5 answers · asked by lemonspunk 1

ok my mom has a house under her name that she is renting to some family members..the rent is really high like over $4000 a month, not including bills, now the people there cant afford to pay it bc its so high and to make things worse, the property price lowered, so they lost money

so if my mom doesnt pay or the other people dont pay , the house is lost and her credit goes back to zero..is there anything she could do to keep it?

2007-11-13 17:21:40 · 2 answers · asked by prettymami714 3

2007-11-13 17:00:08 · 4 answers · asked by Anonymous

My Capitol One Platinum card's rate just went up 10 points for no reason at all (they said they did it to everyone). I would like to get a new card but it's been a while since I had to do this and I'm trying to avoid the bait-and-switch interest rate tricks they play. If I apply for a Platinum card that advertises, say 7.9%, then they send me a different card that has a higher rate, can I cancel it before using it without hurting my credit score?

2007-11-13 16:05:04 · 5 answers · asked by Anonymous

Hi i have a bill collector after me about a bill 8 years ago from a divorce. it was a credit card for 8k, from my wife... Now he wants 15k to satisfy this, i explained to him it was my wife. He recited my work place and told me he could have me fired for not paying this bill, because that his firm dose business with my company??????? I sell semi-trucks for one of the nations largest dealers. I am conserned? dont have that cash AND i did not see this on my credit reports

2007-11-13 15:45:30 · 13 answers · asked by Anonymous

Well...these credit line questions are all over, but I need a little more clarification. I just got notification that my citicard account is able to be increased from $10,000 to $12,000. I currently have $1,000 balance on the card and will pay that off by the end of the year. I use my card only about 6-8 times a year for big purchases, (plasma's, surround sound, computers, etc.) and I pay off the card within a couple months after. What are the pros and cons of increasing my limit, and what would be in the best interest of my credit score, and the ability for me in the future to get good rates for home loans, car loans, etc.

2007-11-13 15:43:18 · 5 answers · asked by Terry G 1

2007-11-13 12:51:28 · 16 answers · asked by Anonymous

I have 3 credit cards.

2 of them I'll need to stop paying for now, but I'm not going bankrupt yet.

Can I keep the third credit card if I keep paying it?

Or will the 2 other credit card companies call them and tell them to cancel me also?

I would like to add that I will NOT ask for aditional credit from the existing card in positive balance.

So they will not contact the credit bureau.

2007-11-13 12:19:22 · 2 answers · asked by fantapattaya 2