Credit - November 2007

I have over $20,000 in student loans, medical bills against me, an old phone bill from the time my mom took a phone out in my name and did not pay it. I will be graduating from college soon with a degree in education. What do i do to improve my credit?

2007-11-13 12:06:14 · 4 answers · asked by tigerlily23 3

I was wondering about my car payments. Both are due on the 15th. I am on maternity leave right now, and my husband just had his hours cut at work. We can make the payments, but if I do....there is nothing left over for food or diapers or anything. That is literally all we have until next Wednesday. I heard some banks allow you to make a lesser interest only payment if you are in a tough situation. Has anyone else ever heard of this? Thanks...

2007-11-13 10:20:12 · 3 answers · asked by tattooangel4 2

http://www.miamiherald.com/business/story/306413.html


Reading this story and so many others, as well as about the huge loss by almost every bank in the United States, and the closing down even of some banks, do you feel this was completely avoidable and totally unnecessary; the voracious need for power and money by so many people, even the middle class and poor who went about negligently applying for loans with loan sharks, and going along with hairbrained ideas posted by supposed "creative" mortagage lenders?

Better yet, will we see an end to this disaster with mortgages and rapidly depreciating real estate market?

2007-11-13 09:19:32 · 3 answers · asked by 1-2informationalways 1

Someone has access to my credit card # and purchase more than $1800 worth of stuff, one including a airline ticket. I call my credit card company, and they acutally refund back the money and give me a new card. My question is will the bank find out who did this and track this person down?

My credit card company is Chase, they didn't mail me any paperwork or anything, we did this over the phone., and I didn't file any police report. Since the money was refund.

Thank you!

2007-11-13 09:10:52 · 7 answers · asked by tcyang615 1

these numbers at the end of year 3 equal to $2,393?

Yr. 1 = $500; Yr. 2 = $750; Yr. 3 = $1,000
Please help!

2007-11-13 08:59:02 · 2 answers · asked by Elena 2

the statement says I bounced a $1000 "convenience check"

I didn't write it. They want 139 in fees.

What can be done?

2007-11-13 08:57:49 · 14 answers · asked by Anonymous

I loaned a friend $13,500 to buy a motorcycle. $8,500 was done through financing through HSBC, I put $3,000 of the amount on a credit card, and I added $1,800 in a cashier's check. He hasn't made a payment in 30 days, and the original interest rate of 5% is going up to 17%. If I have a promissory note (which he signed) stating that he is to pay me $500 each month, will that help me if I have to go to court?

2007-11-13 08:46:50 · 13 answers · asked by spearteach 1

I applied online for a Capital One Credit card.
I was approved.
How long does it take to actually recieve the card in the mail after approval??

2007-11-13 08:19:12 · 5 answers · asked by bodmodangel 6

I've had this 0% card since Feb '07, and the 0% turns to 11% in Feb '08. I've run up $4,000 on it, my limit is $5,500. I've paid the minimum on time every month. At 0%, I figure there's no point in paying it back before I have to. I'm in grad school and can't work my full time job - I'm on student loans and a peanuts part time job.

I've been getting all kinds of offers for no fee, or low fee, 0% on balance transfers for up to a year (different rates for additional purchases, but I don't plan on using the new card for anymore purchases).

Should I pay off the existing CC before the 0% is over, or transfer the debt to a new card and stay at 0% for another 6 months/year? If possible, please also explain how either option would affect my credit score. (This is the first CC I've ever had; I don't have utility bills in my name currently; I have completely paid off my undergrad student loans that were in my name; I haven't ever had a car loan or mortgage; & I'm 28).

Thanks a lot!

2007-11-13 08:14:04 · 4 answers · asked by Anonymous

2007-11-13 08:08:32 · 12 answers · asked by Linda K 1

Hello. I'm hoping for some advice from someone in the know in collections or banking. My daughter-in-law went into the negative on her checking account back in July. She had not stopped an automatic payment on her car which she had issued from a different account. Thus she double paid and got an NSF of 37.50 to boot. Well, she spoke with someone at the bank who was not helpful and instead was snotty to her: I mention this because she's very sweet and very easily intimidated. So she chose to ignore the problem and just start using money orders to pay bills. She's currently 8+ months along and I only found out about these banking problems the other day when I asked her why she was so upset when we started talking about financing a more appropriate car for transporting the new baby. Long and short of it---the bank charged daily overdraft fees for 60 days and she now owes them 725.00, 375.00 of that in fees. I've offered to negotiate with the bank as she's a wreck. Any words of advice?

2007-11-13 07:30:53 · 4 answers · asked by y_i_awwta 1

Sometimes I pay my phone bill or car insurance bill late but I do always pay them every month. Does this affect my credit negatively?

2007-11-13 07:29:45 · 13 answers · asked by Anonymous

What type of processing is carried out in this situation??

2007-11-13 05:22:15 · 2 answers · asked by Chris M 1

Have 7300 left to pay to a collector who has a judgment against me, it was for an auto loan, car was repo'd, he got the judgment, we are paying $200/mo. I know the longer you pay, the longer it takes to come off your credit report. Already have the repo and the judgment on our report, would it not be better to pay 6000 to him (his offer) and be done with it and get it on the way to falling off my credit report? He is not charging any kind of interest.

2007-11-13 04:29:29 · 7 answers · asked by hamradio 2

2007-11-13 04:20:52 · 10 answers · asked by Anonymous

I have a student visa $700 .. ive been paying the amount due every month all at once. Am i suppose to just pay a little at a time to build credit?>? or say its 120 that month do i pay the $120? .. and after the $700 limit is up.. do they give me another card with more$$??

2007-11-13 02:47:19 · 12 answers · asked by Anonymous

I moved to Sydney from Birmingham(U.K) last October and have been working fulltime since. When I left the UK I owed some money on my laptop that I gave to my exGF and she promised to take care of the money I owed on it (about £387) but she didn't, so the bank (HFC bank a part of HSBC group) have been sendin me claim letters for the past 6 months because I have an active current account with HSBC, UK and they have my address in Australia. However the letters arrived too late for me to take any serious notice about paying the debt off. (like 10 days past the 'pay by/contact us' date)

Recently they sent me a letter saying my account has been transferred to a firm of debt collectors in Australia. Would this affect my credit rating in Australia?

2007-11-13 01:19:05 · 3 answers · asked by ROBERT LUDLUM 1

I sent a certified letter to a company who sent me a letter stating I owed them money. It is a company I have never heard of or had an account with. They replied saying they classify my dispute as frivolous and refuse to provide any information proving it is a valid debt.

2007-11-13 01:16:58 · 7 answers · asked by Ann Marie J 3

2007-11-13 00:32:08 · 9 answers · asked by berty 3

The cashier asked me if I was interested in a Target credit card. I decline but when I later check my receipt, in big bold letters it said, "Pre-Approve!" with my name under it.

Why would Target have my credit info? I never filled out an application for a credit card.

I noticed she didnt ask my sister.....

2007-11-13 00:04:33 · 5 answers · asked by Anonymous

JUST WANT TO BE PREPARED :)

2007-11-12 20:52:53 · 4 answers · asked by oman 2

2007-11-12 20:38:12 · 16 answers · asked by ? 3

2007-11-12 20:33:00 · 9 answers · asked by skumar 1

which one is better?

2007-11-12 18:57:15 · 11 answers · asked by Anonymous

i have 3 small credit cards owing 300. id like to get a loan and pay them off and then pay that loan monthly as one payment instead of the 3 each month. however with 2 credit bureau's im in the low 500's like 565. transunion gave me 603. i always get denied therefore i was considering debt consolidation. i am 23 and not married, but would like to be soon. all this low credit worries me it will affect my future husband's credit-he has exceptionally good credit. like 700's. is debt consolidation at my age the best?i have delinquent accounts taken to collections that got paid off but remain on my report for 7 years. i also may have gone over credit limits a few times, but always paid quickly afterwards. is debt consolidation for me or what is? please help

2007-11-12 14:20:21 · 5 answers · asked by kburgess612 1

I would like to get a free credit report but I'm leary of putting my financial info on the net. - which service is best to use and is it actually free? Most important, is it safe?

2007-11-12 12:43:28 · 7 answers · asked by Anonymous

2007-11-12 12:13:24 · 7 answers · asked by vwilli 1

2007-11-12 11:41:03 · 2 answers · asked by kedra 2

I called the bank today and the lady said that when you have a credit card the interest is charged daily. I have an 11% interest rate and owe about $600. Am I going to be charged 11% every day because I might have to start stipping or sumthing to pay that off. (Kidding).

Does anybody have an idea of about how much I would have at the end of the month assuming I didnt pay anything off and the interest rate didnt change.

2007-11-12 11:31:28 · 5 answers · asked by shelly 2

2007-11-12 11:27:10 · 2 answers · asked by sexy 2