Credit - November 2007

Does information placed on your credit report with the credit bureau get put on there by your address or by your social security number?

2007-11-12 11:12:01 · 5 answers · asked by dharmaprija 1

I found something on my credit report for an old phone bill. It is with the collection agency AAC. How do I find this company to settle my debt?

2007-11-12 11:09:03 · 5 answers · asked by brandylita 2

2007-11-12 11:08:27 · 11 answers · asked by Diane L 1

Is it better to apply for a bank loan for a car before or after I have found a car??

2007-11-12 10:03:52 · 3 answers · asked by Cato Says "Kalamaloo" 4

I just took a payday advance cause I actually need it right now but they told me that they report to my credit and I can turn it into an installment loan how long should I leave it on my credit as an installment loan before paying it off. My credit is pretty bad due to old errors when I was younger. I have paid on my car for a year and a half never late and it is getting better little by little but I just realized this is a some what sound way to build my credit as my weekly payments can be relatively low. I get paid weekly and they only require bi-weekly payments My question is how long should I do this before I see an improvement in my credit?

2007-11-12 10:03:20 · 7 answers · asked by daisy_77375 2

I don't want to put alot of money down and would like reasonable payments. Can I get pre-approved by my bank of 20 years? What is the best way to go about this?

2007-11-12 09:46:56 · 12 answers · asked by jcatt2 2

2007-11-12 09:27:15 · 5 answers · asked by bgergen46 1

This older adult is on fix gov't income unable/ unwilling to pay
consequently he is barraged with tele calls threatening him. how can he get these call stopped, also he used his friends tele number as referance and now he is getting mess all the time asking for the older adult How can he stop the collectors form calling without changing tele numbers

2007-11-12 09:00:09 · 9 answers · asked by d s 4

When you finance a purchase of an electronic item and then default on the payment 8 months later , does the finance company normally come over and repo the item even though it is virtually worthless?

My situation: I bought a projector and a digital camera costing 2500 dollars for my business in January 2007. It was a "kind of" secured loan , the agreement stated that the finance company would repossess the item if I default but no lien was registered against the equipment . Now I have stopped paying the monthly payments. The equipment is in good condition but it's resale value is only about 800 dollars. I know that hiring a bailiff probably costs a couple hundred dollars and the finance company doesn't know that the equipment is OK.

Do you think the finance company will actually repossess the item or should I try offering them a lowball figure in lieu of the items?

Anybody face this before?

2007-11-12 08:54:52 · 3 answers · asked by Acroblast 1

under current payment arrangements?

2007-11-12 08:50:58 · 6 answers · asked by runner1 6

I have filed a dispute on my credit report, its been the 45 days but i can't get back on to check the status unless i pay,
Is there any way to check and see if it went through without paying to see it?

2007-11-12 08:25:25 · 2 answers · asked by Greg C 1

My friend is moving into her new house at the end of the month and her roommate is having a hard time finding somewhere else to live. My friend just found out that this roommate has terrible credit. She used to be involved with drugs and meth and is $50,000 in debt because of that, not to mention new credit problems. She also has an eviction that went to court, a suspended drivers license and a warrant out for her arrest. This is all news to my friend, who met her shortly after this woman got clean. She does have a steady job and makes decent money. She is getting turned down for apartments left and right, understandably so. Are there any resources out there for someone like her? She certainly made some terrible choices but now needs a place to live. She has to be out by the end of the month. What can she do? Thanks for any help!

2007-11-12 08:12:43 · 14 answers · asked by Melissa L 2

Can teens use their parents credit card if they have a note and a school ID?

2007-11-12 07:40:37 · 2 answers · asked by Anonymous

2007-11-12 07:27:23 · 5 answers · asked by whit92 2

For goodness sake!!!!

If you lose it you would never know what number to call anyway!!!!!!!!!!!!!!!!!!!.......

Egg's site impressed me though, first thing you see in the "contact us" bit is the number to call if you've lost your card.... (lost mine today)...

2007-11-12 07:18:38 · 11 answers · asked by Anonymous

Alright, here is the problem. I bought a Sony Vaio Laptop online. The only reason I purchased it from sony was because they had the whole "No interest for a year" thing going on. Well, I made the purchase and after the bill came, I was slapped with the whole amount. I called my credit card company and they said "Yes", we will charge you interest if the whole sum is not paid. I found out that, that "No interest for a year" could only be applied if you applied for Sony's Credit Card. The funny thing is, Sony said NOTHING about that. The a little thing that said "No interest for a year" in red was the only thing there. No indication whatsoever about applying for the card. I DON'T want to pay interest! Is there anything I can do??

2007-11-12 07:01:01 · 6 answers · asked by MGK 1

Okay, I have 2 store cards and a discover card. I owe money on all of them but have been paying the minimums every month - it's just that i'm tired of it and want to just pay them off, at least the store cards and keep the discover card. Here's what I wanna do. My bank offered me their credit card, which is $1000 credit but I said no, seeing as how I already have 3 cards...but now, I'm thinking I could maybe get the credit card from the bank and use it to pay off at least the store cards. Then I'll just be left with 2 cards - the card the bank gave me and my Discover card for emergencies. Is this a good idea? Or will I just get myself in more trouble because my credit is good right now...I'm not working right now, but should be soon, so I was gonna do this once I start working...

2007-11-12 06:57:00 · 5 answers · asked by Anonymous

Equifax is the best score that I have credit wise. I would like to consolidate some cards by getting a(1) card from someone who pulls credit file from equifax.

2007-11-12 06:40:37 · 2 answers · asked by jawsnu7 2

These are the steps and emails i recieved from Torcan,Please don't make the same mistake as i did.
I applyed for a $5000.00 loan on 10/24/2007 with torcan financial.First thing they do is call you or email you,and let you know your loan has been processed to call:To review the results call Danial Blair at 416-944-2325 or toll free at 866-230-5233 ext.2245.
This is when he tells you that you have been approved But needs 10 percent down cause of credit,but you will recieve it back in 3 months if payments are made on time.(SOUNDS GOOD)
So we need the loan we come up with our 10 percent down call him back,thats when he sends you a contract to sign and you have to fax him the imformation he has requested,dl#social security # and of course checking account number so it can be direct deposited,I fell for it,in need of this loan,and than you send the money gram for the amount-i had sent a money gram to a Cindy Maxwell.waited two days and i called,thats when they say sorry can't help you.WHY

2007-11-12 06:28:00 · 4 answers · asked by dinah h 1

2007-11-12 06:14:21 · 29 answers · asked by emm 1

They always give me the money up front, (its for direct TV) but still I am always a little hesistant about it. I mean does that affect my credit even though the subscription is not in my name?

2007-11-12 06:08:21 · 17 answers · asked by BigAndBeautiful 2

I have really bad credit right now that I'm taking care of. But in the meantime, I would like to get married in like 2 years, but we are afraid if we do it will ruin my fiances credit.

2007-11-12 05:47:57 · 13 answers · asked by rigel_bluestar 1

I have a $7,000 debt sitting on my credit report since 2003. It says it will come off in 2010. What does that mean? It hasn't been updated by the collector since 2003 and I haven't received notices about paying it since then. What happens after 2010 if I don't pay it? Does it come off my record for good so I don't ever have to pay it? Please help!

2007-11-12 05:44:44 · 4 answers · asked by Anonymous

Seems that millions are always either filing for bankruptcy or always in debt & most of the time it's b/c alot (not all) people are not financially responsible & expect a free ride with these credit cards. Then they act as if they are not suppose to pay the money back. I think if people are not going to be responsible then maybe it's time credit cards should be eliminated. The deadbeats are making it very hard for those who are responsible. What do you think?

2007-11-12 04:04:05 · 7 answers · asked by Scooter_loves_his_dad 7

I just called to ask my credit card companies to lower my interest rate, and they said they can't do that until I get back into my limit. I am only 200 dollars over my limit on both, and my debt is under 2k total. This is nothing compared to most people, and this happened to me because of a family emergency. I am not irresponsible, and I want to pay this off without the interest rate being so high. Is this them bullying me, or does this make sense? I understand I am over my limit, but I am trying to make the right move here and pay it off! I have never had to do this before. I have always paid on time and been a good customer.

2007-11-12 03:48:35 · 10 answers · asked by Anonymous

I have about 4-5 credit cards, and 3 of them have just about exceeded their limit (which is about $2,000) . I was wondering if anyone knew if getting an AMEX card and just paying the balances off with that card and then just pay off the Amex. If you have any other suggestions- i would appreciate. I do not want to take out a loan.

2007-11-12 03:24:51 · 2 answers · asked by cutiecaity85 3

I've recently been hired as a Credit Card Customer Service rep for people trying to reestablish their credit. Basically, we convince people to sign up for our credit card for a one-time processing fee which is $95. The credit card is only good for our products online/catolog. We tell customers this information but we've been told to speak very quickly during disclosure. Ok, once we've gotten them to agree, we get their bank info or have them send a money order. Once the customer finds out that they only use the credit card for our company, they want to cx their card.Sometimes we've been told to put the clients on "extended hold" which is like forever. Then we disconnect the call. If the customer is persistant about cancellation, we charge a 299 cancellation fee and it could take up to 10 business days for that to take place. I asked my manager wasn't this fraud. She told me no, as long as we have their permission, this is all legal. What do you think? I really need to work.

2007-11-12 03:24:48 · 14 answers · asked by Anonymous

i've been sent an alert to pay a £2.99 monthly charge. now i was selling at the time so hey guess it's fair to pay. but this monthly charge could be required even when i don't sell anything - so my question to you folks is - is ebay up to no good and scratching for cash??

2007-11-12 03:05:45 · 3 answers · asked by hillman_avenger2006 3

ok so heres the deal. about 2 months ago my credit score was a 690 (experian) and there is not one thing on my credit report derogatory, past due, or negative. everything on my credit report is GREEN (which means everything is current and OK), i have never been in collections, or past due. I had bought a car back in september and my credit score suddenly shot down from 690 to a 580. The dealership sent my application to 10 different banks that then ran my credit 10 times. I know this is a factor, but still...my credit score should not have went all the way down to a 580. What can i do about this? i need to know because me and my fiance went to purchase a motorcycle and they declined (not denied for any specific reason) the application. Thats how i found out that my credit score was a 580. What can i do about this situation, and can i take legal action against the dealership? What could have been the reason that my credit score shot down dramatically?

2007-11-12 03:03:02 · 5 answers · asked by PrinCipeSSa ItaLiAnA 3

I don't receive paper statements, I just use online banking, and I don't see the interest rate online. Without calling them, is there anyway I could find out?

2007-11-12 02:17:58 · 6 answers · asked by Anonymous