Credit - November 2007

I recently received a check for my Christmas Club I had with a local bank. I took this check to my WaMu branch to deposit it into my checking account. The next day I learned my account was set to close in 2 weeks and my funds in the WaMu account have been frozen. Upon verifying the check from the local bank, WaMu claimed that they thought the Christmas Club check was a bad check from a closed account. I got someone from the local bank where I had my Christmas Club setup involved with dealing with the Risk Operations department of WaMu. It was verified in writing from the local bank to WaMu that the check was good and the account it came from was legit and an open account. WaMu claims now that my funds (the christmas club check along with over $700 that was in the accound already) will continue to be "frozen" until the christmas club check clears. The representative from Risk Operations claimed it could take up to 10 days. Risk Operations also refuses to let you speak with a supervisor

2007-11-02 12:13:03 · 6 answers · asked by Anonymous

2007-11-02 12:09:10 · 6 answers · asked by Anonymous

I was upgraded from a target card to a target visa. My bro and sis in law got their upgrade letter at the same time i received mine and they got their card today? we live in the same city? do you think it should come tomorrow?

2007-11-02 10:37:51 · 5 answers · asked by ♥Kempa♥ 4

2007-11-02 10:14:04 · 4 answers · asked by justmebill 1

Or do I just need my account number and my credit card number ?? Thanks!

2007-11-02 10:03:18 · 5 answers · asked by ♥ Loving My Babyboy ;) ♥ 3

I dont work and cant and I dont have any assets so what should I do? I go to court in 2 weeks and Really need answers. The cc is over 4yrs old. Are they going to try to work something out or should I try to make an agreement? What if I dont keep the agreement?

2007-11-02 09:16:23 · 10 answers · asked by Anonymous

I am working on paying off my credit cards because I am planning to retire in 3 to 5 years. Is it ok to close out these paid up cards all at one time or does it matter?

2007-11-02 08:44:52 · 12 answers · asked by Anonymous

I made arrangements with creditor to pay 100 every month. We have a court date on 11/30. I received today a stipulation of settlement I don't know if I should sign it. It says for me to pay 1641.41 100 every 15th of every month. if i pay every month they will not take any legal action on me.

2007-11-02 08:40:51 · 5 answers · asked by Juan F 1

2007-11-02 07:57:09 · 18 answers · asked by bbygrl 2

I was looking for a loan and was contacted by the Collingwood Groups that I was approved for the loan I applied for. They said it was from a private lender of theirs.

2007-11-02 06:35:26 · 6 answers · asked by jud19522000 1

Right now I have a credit card with a very high rating, nearly 33% because I missed a bunch of payments. Now I am paying off the debt but I just received an offer from Capital One to switch the acocunt to them with a 13% interest rate.

I know that holding a credit card is better for your credit rating than cancelling it, but what about switching the account to a new provider?

2007-11-02 06:20:46 · 5 answers · asked by Anonymous

I have a civil judgement 8 years old on a auto {need help finding a lender for a mortage.

2007-11-02 04:55:17 · 3 answers · asked by nchlsnjss 1

The bank already did the employment part, now they want my W-2 form, and i fax it to them. Why did they need that information? What should happen next? Do you think that will be it when i called they said that was all. Or do they have to call the IRS also? I really need a car. (Application still in process) Navy Federal Bank

2007-11-02 03:47:42 · 3 answers · asked by ann 1

2007-11-02 03:03:03 · 5 answers · asked by Natasha D 1

10 year old daughters named. Next to her named it said employment. Under that it had the named of a business, then it said homemaker. My ex has about 150,000 in debt and about 100,000 is bad debt. She also has 5 judgements. We also have a 8 year old son. Should I be concerned. None of my children are listed on my credit report. Can I run a credit check on my 10 year old?

2007-11-02 00:40:27 · 8 answers · asked by jc 3

a friend of mine got fired from work for frequently reporting late to work. Now he is faced with credit card bills totaling $5000. He has $0 in the bank, because for 7 weeks he has not been able to find work.

He writes letters and mails them to his credit card companies, saying that he is unemployed so they give him some extra time to pay, but none of his credit card companies ever replied back to his letters and still continue mailing him his statements with payment deadlines.

2007-11-01 21:44:26 · 8 answers · asked by Anonymous

U pay upfront to load or purchase, you pay to check your balance, you pay a monthly admin fee if U do not use it before 6 months or a year. So If you get one for Christmas and you forget to use it it will be worth nothing the following Christmas.... Don't waste your and my time RIP OFF

2007-11-01 18:14:00 · 4 answers · asked by moonkwean 2

My mother is thinking about filing bankruptcy and I have heard so many conflicted stories about what it can do for your credit, some say good, some say bad..Please share your personal stories and experiences with me.

Thanks

2007-11-01 16:53:03 · 9 answers · asked by ? 2

I got a call a month ago from a Mr. Church with a collection agency. Telling me about a cc debt from 5 years ago with a balance of 5200. He demanded that in 24 hours or else he is going to get the FBI involved for fraud. I had some credit issues 5 year ago, the balance charged off was about 4k. This freaked me out with the FBI and stuff and i told him i only have 3k in savings from what my grandma left me. He accepted it i had to use TransUnion that day to send the money. What a pain, but guess what i got another call from a Mrs. Saxon demanding a balance of 5200, i told her a Mr. Church took care of it and gave a confermantion number, she said it is unvalid. She was very rude and told me to stop lying and to take care of your problem now or else we will take you to court. What can i do, i dont what the cops to show up arrest me for fraud and still be short 3k

2007-11-01 16:41:37 · 8 answers · asked by tim W 1

my boyfriend has a couple year old 600.00 cell phone bill he has never paid off.. if he pays that off right now.. do we have a chance of buying a house.. or will that affect him for many years.. even if he pays it off now... the bills about 4 years old and it already went to a collection agency.. like i said if he pays off that 600.00 all right now will that help his credit.. or will it still hurt him for years.. its not like its a very very bad coulple grand dept or anything...




and one more thing... with that unpaid cell bill .. does that mean he has terrible credit.. or just bad..


thanks

2007-11-01 16:41:12 · 7 answers · asked by lil0o0devil 1

i was wondering if this was an ok credit card to get??this will be my first one and i dont know too much about them if anyone knows alot about this card please let me know the details!!!

2007-11-01 15:26:14 · 3 answers · asked by amber p 1

MasterCard Inc., the world's No. 2 credit card processor, said Wednesday that increased cardholder spending, particularly overseas, boosted its profit by 63 percent in the third quarter.

2007-11-01 14:22:50 · 8 answers · asked by qtpie16707 3

FOR example. magazines hospital bill. cd's etc...

2007-11-01 12:58:39 · 14 answers · asked by Anonymous

2007-11-01 11:28:16 · 1 answers · asked by kayode o 1

can we still file a chargeback ,who should we contact?

2007-11-01 11:15:36 · 1 answers · asked by delia 1

I have just opened up a student account with a £1000 0% interest overdraft, can i use this to pay off my credit card (£750ish) in full?

2007-11-01 11:05:42 · 8 answers · asked by x 2

those companies on the radio that state they will negotiate with your creditors to reduce your debt up to 60%, what is it that they negotiate, can i call them up myself and negotiate? how does that work, because currently I am trying to pay off everything, and i want to let my banks know that so that maybe they can try and meet me half ways by lowering my interest rate, because they want there money and I would think they would do whatever to get it? PLEASE ADVISE!

2007-11-01 11:01:56 · 5 answers · asked by Gumaro S 1

Or do the credit card companies go after immediate family members to pay up? Or do they demand the will executors to pay it off?

2007-11-01 10:44:57 · 5 answers · asked by Anonymous

02/08 I would have had this card 7 months(one of two cards) and I am closing it because of it's annual fee and I would like to get one with no annual fee. How many poits will this cost me? 2,5,10 ?

2007-11-01 10:15:42 · 4 answers · asked by Anonymous

I am trying to apply for my first credit card but somethings are confusing and I don't want to get the wrong one.
For instance some credit cards have say a $200 balance but a $115 dollar one time fee so the amount I can use is $85 until I pay off that $115 and I really dont want to pay for a credit card you know? I want to just have one well yeah.
Anyways I need to know what I should be looking for when it says
Intro APR
Intro APR Period
Regualr APR
Annual Fee
Balance Transfer
Credit Needed
Program Fee
Participation Fee
Additional Card Fee Annually
Grace Period
Minium Fiance Charge
Lay Payment Fee
Over Limit Fee
Monthy Account Maintenance Fee
And what should other charges and additional fees consist of

I am 18 years old and married.
I have little credit established and thought getting a credit card would help me build my credit.
I'm not stupid I just don't want to make the wrong choice getting my first card.
Thanks in advance to anyone who can help me! = )

2007-11-01 09:34:01 · 7 answers · asked by Saerah 4