Credit - November 2007

This question is for my dad., He over drafted his checking account with his debit card.He went to the atm they balance said he had money in it and than when he went to the store thecard went through. Well on the 3rd his social security check was put in his acount and the bank took it all. All 300 of it . They said the atm balance was a mistake and they charged him this fee and that fee. My question is can they do this? I was told no one but the irs can touch a social security check.

2007-11-07 12:57:15 · 11 answers · asked by crazziegrl14 5

Hi. I have a credit card in which the minimum payment is now $800. It started out with an overdraft and a late fee, and the minimum was $150 which I could not afford, then it has just went up since then. How can I talk to the credit card company and explain them my problem (I am going to use my income taxes to pay them back when I get them next year), can they maybe stop the late payment fees or something? I really need help as they are starting to call my house and cell phone now. :(

2007-11-07 12:27:19 · 11 answers · asked by Anonymous

I have things on my credit at a time when I was 11 years old!! I obviously didn't do it. How can I get these items taken off my credit history?

2007-11-07 11:26:44 · 5 answers · asked by Rae 1

I currently have an '06 Isuzu Ascender that is in good condition. Kelly Blue Book values it at $16,550. I know I won't get that exact amount but I am hoping to get close to that as I can. I would like to get an '07 or '08 Toyota Camry LE or Honda Accord LX or EX. I don't have a lot of cash to put down right now - maybe $500. I have poor credit, although we bought a house a little over 7 months ago. So far, there have been 6 payments due and we have made every payment on time. Also, we have two cars - my husband's is in his name only and mine is in both of our names with him as the primary borrower. We have never went over 30 days late with those either. I think my credit score is still poor because I have a lot of medical bills on there and some that are still reporting. I tried to trade the SUV in at an Acura dealership about 5 months ago, but they turned me down because they said I am too upside down. Currently the 10-day payoff is $21.803 and the 20-day payoff is $21,909.

2007-11-07 10:52:02 · 7 answers · asked by Hoping he will bless me with #1 4

Citicards and GMAC just announced HUGE losses. What will they do to stay afloat? Does this mean it is a good time for applicants with less than desireable credit have a better chance when they apply?

2007-11-07 10:40:16 · 5 answers · asked by bribri8785 2

2007-11-07 10:14:30 · 5 answers · asked by feticia82 1

mainly using it for online purchases and buying things like clothes, shoes, phones, etc...

2007-11-07 08:45:12 · 9 answers · asked by Anonymous

I received a letter from a collection agency addressed to my old name. I found it to detail an amount owed that I didn't recognize. I contacted the company (the person was very nice and helpful - Thankfully) - he advised me that it was a charged off debt that they bought from a company (He couldn't find any info as to the name - it was from a larger company that had store accounts, the account was in my name as well as my husband at the time and it was charged off in 1996 (before my divorce)). Now, I have amazing credit and this charge was not on my credit report as of 2005 or I wouldn't have been able to refinance my home by myself. Does anyone know the ramifications of this "bought" debt collection? Does the state's statute of limitations come into play? I don't want to pay for something that is part of the dregs from my previous marriage because my ex didn't pay his bill. I hope my explanation is clear enough. Thanks so much!

2007-11-07 08:21:55 · 10 answers · asked by J G 1

It doesn't show up as being past due either. Do I still owe on this?

2007-11-07 07:51:04 · 4 answers · asked by Troy 1

Should I be worried?

2007-11-07 07:04:40 · 5 answers · asked by Anonymous

I have a friend who can't open a checking account because the banks are telling him he has an outstanding charge from a past bank. He said that he closed the bank account (which i doubt), but they, for some reason, didn't close it "completely" and some recurring fee was charged every month. Here's the kicker. The banks will tell him he has the outstanding fee, but they won't tell him what bank he owes the money too.

I have told him that if he ran a credit report, he could find out where the charges were coming from because it would show up (since, apparently, calling the banks you USED to bank with is too much of a hassle... let alone remembering the names of the banks.) Are there any other means for him to find out what bank is charging him? I know this sounds goofy, but I don't want to give this guy any excuse that he can use to continue to justify what I believe to just be laziness. Thanks!

2007-11-07 06:58:31 · 4 answers · asked by Mr_Masks99 3

I was overdraft by 6 dollars, and got charged 20 dollars the next day. But I still didn't realize this and spent another 5 dollars yesterday, and today I found out when I signed onto my account, and saw that their policy was "2nd + day during the current month and preceding 12 months: $35.00 each item
" Does that mean I would get charged an additional 35 dollars for the 5 dollars I spent yesterday? It has not shown up yet in my acct, if I pay my debt now would that 35 dollars go away?

2007-11-07 06:05:51 · 6 answers · asked by bibimbapbambina 3

Would it be better for my credit score to pay off and close some of my accounts such as visa and maSTERCARD compared to keeping small balances on them and keeping the balance's low at all times but keep them open?
Thank you for your help

2007-11-07 06:02:28 · 4 answers · asked by terrywack 1

by potential loan and credit companies, you lose points on your credit score?

what about opening up credit cards? do you lose points from your score on that?

2007-11-07 05:45:59 · 5 answers · asked by Asile 4

2007-11-07 05:40:29 · 1 answers · asked by Anonymous

2007-11-07 03:53:06 · 7 answers · asked by Anonymous

I've looked into all the (bad credit) credit cards and it's like $150-$200 just to get setup so before you even know it you got a bill for that already. What I'm asking is there a better way to build up your credit other than these crappy cards? Cause I would rather not waste my money on them

2007-11-07 03:30:21 · 5 answers · asked by Stop the world I want to get off 2

2007-11-07 02:46:04 · 6 answers · asked by meden03 1

2007-11-07 01:53:21 · 24 answers · asked by frankie 2

My one Juniper card got it's limit lowered from $1000 to $250, which isn't much anyways to begin with, just because I was carrying a $4500 balance on my one Citicards card, which had a limit of like $1500, AND I've paid that off halfway its around $2500 now anyways. Most likely will be paid in full in the next few months.

Otherwise all my other credit cards, I have several, have $0 balances, and I'm on good standing.

Is this common, for creditors to DECREASE limits or possibly cancel/close the account for you?

Is a credit line decrease a possible SIGN that they're pending termination of your account, or at least a sign that they don't hold you in good standing?

2007-11-07 01:44:04 · 10 answers · asked by Anonymous

I only want to hear legitimate ideas. My debt was incurred because of an on the job back injury. I was hurt and couldn't work or pay my bills. I unfortunately used my credit card cash option to pay many bills. I own a house worth 85,000 and I owe 85,000. I have close to 30,000 in credit card debt and of course I barely make enough to pay my mortgage and electric. I have looked into debt consolidation, credit counseling, and bankruptcy. I used to have good credit and it is terrible now. I would appreciate any sound legitimate advice that will dig me out of this hole. Please give me ideas that are not scams. I need to know my best option.

2007-11-07 00:47:18 · 9 answers · asked by Valerie B 2

I am getting ready to go see a lawyer about filing for bankruptcy we went into a settlement company and it's not working anymroe the creditors are threatening to sue me and freeze my bank accounts and if that happens then i'm screwed casue i cannot pay for my car or feed my kids. I'm stressed to the max and this the last thing i want but i have no choice i'm young enough to recover form it i think. So if i file will they take my tax returns until i have it paid off or not i was just curious if they did i don't think they can since i don't owe any back taxes or any government agencies mostly credit cards. Any help would be appreciated Thanks

2007-11-07 00:29:44 · 6 answers · asked by life as we know it 4

So I made a large deposit in my account which appeared as an available balance the other morning. I made several purchases until my check card got turned down. I called the bank and they said they pulled the check because it's "pending verification." I asked if this meant the check was written by someone with insufficient funds, which I was told no. Does anyone know how long it takes for a check to be verified with this bank?

2007-11-06 22:41:20 · 3 answers · asked by Anonymous

Why?

Will this also hurt my credit score significantly?

Also, can it ever go back up again?

This company, Juniper claims that it did so because I have too many new accounts open, and too much debt, which is BS at least on the debt part.

Are they afraid or something?

Anyways, I think this is completely rude, and shows absolutely NO faith in the customer. In anycase, they make money off of us, and a higher line means more money spent, and if anything they can make interest off of you.

SO, why the hell would they, if they had any brains, lower someone's limit?

That's showing a SERIOUS lack of trust.

Should I just close the account? THe limit is now at a pathetic $250, down from $1000. It's ridiculous, and this makes me lose respect in the company.

ALSO, I've actually paid in FULL about twice and was on good standing when this happened with them too.

Can other companies do this too, or does it vary?

This is just somewhat depressing.

2007-11-06 21:44:52 · 4 answers · asked by Anonymous

The loan company promised to get me the loan within 16-21 days but it has been 8 months (242 days) and i still don't have the loan.

2007-11-06 17:23:02 · 4 answers · asked by Brey 1

?

2007-11-06 16:38:18 · 2 answers · asked by Anonymous

I heard that if you go to places like care one to repair your credit that it looks worse then if you file bankruptcy? Does anyone know? i choosing to pay off my stuff myself but I almost went through care one until someone told me this... Help me out please

2007-11-06 15:36:51 · 8 answers · asked by Dee 2

Okay.. I have worked really hard to get my credit right. The guy i'm about to marry has bad bad credit. Is it true that when we get married, I'll also have bad credit , the same credit that he has and if so then why. Do they combine the credit score. I hope this is not true

2007-11-06 14:51:27 · 11 answers · asked by Imdatchick 3

I signed up for a plan with verizon residential a while back. i made my payments in full and on time every month with no problems. i had the plan for about 3 months or so before i got a bill in the mail saying i owed like $200 for internet service i "supposedly" haven't been paying for this whole time. they are telling me my past $70 monthly payments i had been making was JUST for phone service?!? NO! anyway, i changed my service to another company and called to cancel. the representative i spoke with said he saw the mistake and if i stayed with verizon, he would credit the account in full for the wrongful charges. but because i didn't stay with them, they would NOT credit my account. now they are trying to collect. the "collection representative" i spoke with said right now there would be no "consequences" but if i did not make payment, they would basically put this on my credit. i want to fight this crap. what should i do?

2007-11-06 14:07:53 · 4 answers · asked by Paige 2

ineed to know where can i obtain my past adresses

2007-11-06 13:40:27 · 5 answers · asked by Kamonii F 1