Credit - November 2007

I'd rather deal with the original creditor. The collection agency said it would be 5 weeks before the account is cleared with them. but by that time they will have reported me to the credit bureau. If i pay it at the end of the month can they still screw me.

2007-11-09 02:52:09 · 7 answers · asked by game_099 2

and forget my entire wallet! No cash..no cards..no checks. Help.. how can I get food? any ideas?!!?

2007-11-09 02:51:31 · 9 answers · asked by Blond&Tall 4

I just turned 18 and I want to establish good credit what would be the best way for me to start it?

2007-11-09 02:39:39 · 7 answers · asked by Anonymous

I keep getting calls and letters from creditors for my daughter. She has not stayed at home for over ten years now and never had any credit here. I have returned the letters unopened and when they call I say " I don't know where she has gone" as I don't . Her old landlord is being pestered to now she would like to know to. I think they are for store and credit cards but thats all I know

2007-11-09 02:08:57 · 12 answers · asked by pete 1

I am looking to get a loan (£3000 - 4000) over a period of 3 years. I am in full time employment and I have never had a history of debt etc. Thing is ........ I have applied to a lot of companies who are preforming a lot of credit searches and, because this brings my credit rating down, I am unable to get anything. Can anyone help with lenders etc.
Thanx xxx

2007-11-09 01:51:51 · 7 answers · asked by xoxlilmissxox 1

2007-11-09 01:19:39 · 24 answers · asked by Gina L 1

Hi

I bought my wife a pair of skis,they are still in the wrapping that they came in and have not been used at all.They are 1 day old and i wish to return them as she does not want them.Does the shop have to give me a full refund or can they just give me a credit note for the money?

2007-11-09 01:14:34 · 12 answers · asked by neil p 4

2007-11-09 01:12:42 · 6 answers · asked by ronnie l 1

2007-11-08 22:02:26 · 26 answers · asked by Anonymous

I have 5 or 6 credit cards, and sudden GREATLY reduced income to the point of barely being able to afford food or gas at the moment. I did not have savings and am now at least 160 days late on almost all of my credit accounts, so here is my picture and I need advice on the best course of action for me to take. Next month looking at about another average $25 late fee and $35 over the limit fee for each account. They are small amounts mostly, but they add up.

1 Retail Store Credit Card - Account closed due to technical error (wrong checking account # entered, so they canceled it) but owe $200. Monthly payments were $20. Now $100 in fees owed,160 days late.

1 Installment Loan - 160 days late. Monthly payment of $30. Now owe a payment of $96 but very low late fees. Total balance: $750

2 High Fee Credit Card - 160 days late. Currently owe around $70 on each with current fees. Over the limit on both. Est. Balance on first: $270 On second: $370.

Now low credit score, loan not option.

2007-11-08 21:57:38 · 4 answers · asked by Anonymous

is there anyway to eliminate student loan, as we could eliminate credit card debt through filing bankruptcy, what about student loan, do we have to pay it, even though we were extremely poor?, what's the solution?

2007-11-08 21:30:29 · 7 answers · asked by Thomas Jefferson 1

2007-11-08 20:33:37 · 3 answers · asked by Anonymous

2007-11-08 19:37:06 · 1 answers · asked by admagayon62 1

2007-11-08 19:32:18 · 19 answers · asked by Anonymous

Can the credit card company/ Do the credit card companies then come after your "next of kin"? How do they decide who? Or does your debt die with you and is chalked up to a poor credit decision on their part?

2007-11-08 17:41:04 · 5 answers · asked by maim199 1

I have had a heck of a time with medical bills as a result of several health problems that have started in the last couple of years. I have 4 medical bills listed on my credit report under Collections. They add up to a total of $335, and are all listed as 'closed' accounts. I have not paid anything on these, and they are all relatively new items on my report (the oldest is a year old). I'd like to pay these, however I've learned that paying them would turn them into more recent items, and I'd have to start the 7 year waiting clock over again.

My question is, if I were to pay these, would it help my report out at all? I know they will not be erased from my report, but I saw the pie-graph of what your credit score is based off of, and 35% is 'payment history'. Would it help that part of the score at all if I were to pay these? And 30% is 'amount owed'... will getting rid of that $335 help in any way?

Thank you.

2007-11-08 15:07:53 · 5 answers · asked by kelbefo 1

Hello, I'm experiencing a dilemma. A person's son has opened quite a few accounts in his mother's name and put himself as co-user. He also filed out a few applications in his name but with fake employment info. He hasn't paid the credit cards for a while and his parents found out. Now the collection company is calling for him and his mom to pay the debts they owe. If his mom is willing to take up the debt, will he get in any trouble? Will he also get in trouble for filing out applications with fake employment info?

2007-11-08 14:32:04 · 9 answers · asked by NyGuy 1

here is the problem: i am selling an item on ebay, but i am only 16 and i dont have a bank account. so i used my dads paypal. here is the issue, my dad will have a hard time understanding why he has to give me money.

the question: HOW CAN I SHOW HIM THAT HE ISNT LOSING MONEY, THAT HE IS JUST GIVING ME THE MONEY THAT WAS JUST PUT INTO HIS ACCOUNT?

IS THERE ANYWAY THAT I CAN SHOW HIM THAT HE HAS MORE MONEY IN HIS ACCOUNT, AND THAT IT BELONGS TO ME? I DONT WANT HIM TO THIS HE IS JUST GIVING ME THE MONEY.

2007-11-08 14:16:20 · 5 answers · asked by Pretti iiN Piink 4

i just turned 18yrs old and i dont have a credit history but i want to buy a used bike but i dont have enough money so im looking for a loan to help to pay it off or perhaps a credit card?? thanks

2007-11-08 13:41:04 · 5 answers · asked by angel 2

i want a money order because the credit card that the money will go to when they pay through paypal is my dads. and it will be a hassle explaining to him why he needs to give me 100 dollars!! so i'd rather recieve a money order.

2007-11-08 13:36:57 · 28 answers · asked by Pretti iiN Piink 4

When we have debt's pending, and are completely paid to a collection agency, or a credit card company is it true that even slightly ur credit score will increase????

2007-11-08 13:25:33 · 6 answers · asked by Anonymous

I have about $4000 in payday loans and cant pay on them anymore. I need help out of this mess. If anyone can help, please let me know asap!

2007-11-08 12:13:14 · 0 answers · asked by Trouble 1

i have to go to court on tuesday for a credit card debt and i don't have a lawyer, i feel like i'm having an axiety attack, i know it's my fault but i'm scared, has anyone ever felt this way?

2007-11-08 11:27:55 · 12 answers · asked by Anonymous

2007-11-08 07:43:11 · 2 answers · asked by jz_lopez 1

i have no credit card with the last 4 digits they provided. nowhere in the paperwork does it provide the name of the credit card company issuing the card. there is also no phone number to call, but there is a website to contact which i hesitate to get involved with since I don't want to give out any personal information. how can i find out what company supposedly issued this card?

2007-11-08 02:08:58 · 1 answers · asked by Anonymous

2007-11-07 23:39:19 · 4 answers · asked by goodman d 1

I am using credit cards for the past 3 years( all are life time free cards). No annual fees, i always make full payments every month, so i had never paid financial charges or late payment fees. apart from this i get bonus gifts for my usage. From where does bank get revenue on credit cards. None of the merchadise charge for making payment through credit card.

2007-11-07 16:50:25 · 0 answers · asked by baddy 1

I let my friend which I had trusted for many years borrow my card. They moved here from another state and I helped them get here and then after a week decided they wanted to leave and I helped them get back. Well they made alot more charges on my account then I ever approved and won't send my card back. I can probally be linked to 2 charges from uhaul but none of the others. What do I do I don't want them to go to jail but don't want my credit ruined either. If I report it knowing who is using it am I going to get stuck with the charges?

2007-11-07 15:58:44 · 17 answers · asked by Jamie A 2

2007-11-07 15:43:20 · 11 answers · asked by cowgirlcutie1214 2

to a 3rd party creditor for an amount less than what was due...and wrote paid in full on the check and attached a letter saying if you cash this you accept this check as paid in full...and they accepted it? Did they write out the reminding balance. I heard this could be done and if they try to continue to collect from you , you can take them to court.

2007-11-07 14:12:01 · 6 answers · asked by Anonymous