Credit - November 2007

Will any of these options make it NOT show on the bill mailed to me monthly?

1. Going to the U-Haul it was charged at and paying the $122 bill in cash and having them refund it on my card

2. Paying it online

3. Paying it at the bank

4. Going to the bank and requesting the charge does not show on my bill after paying it

5. Calling my credit card company and requesting it does not appear on my bill after paying it

IMPORTANT INFORMATION:

I have a VISA through TD Canada Trust
My card is billed to someone other than me
My dad co-signed for my card because I am a minor

2007-11-28 13:39:21 · 5 answers · asked by *~*C*~* 2

One of my best friends was moving 2 days ago and because of complications they were given 3 hours notice of when they had to be out of the house... She has an apartment rented but no truck or way of getting everything there. Neither her nor her boyfriend have a credit card so I let them use mine for the damage deposit on a U-Haul knowing they can afford to pay everything and trusting they would...
My friends boyfriend went to return the truck (several hours late) and today I called the company to make sure he had paid the bill and it turns out he told them to charge it to my card...

My friend paid me cash for the charges but I need them taken off my credit card.

Can I go to the U-Haul and pay them cash and have the charges refunded?
If I go to the bank and pay for it will it still show up on the bill thats mailed to me monthly?
If the U-Haul refunds it, will it show on my bill?
Other ways of keeping it off the bill I get in the mail?

2007-11-28 12:49:29 · 2 answers · asked by *~*C*~* 2

2007-11-28 12:45:38 · 6 answers · asked by Anonymous

I am wondering what they can possibly do to me?

2007-11-28 11:38:00 · 9 answers · asked by Anonymous

I have tons of collectors calling me and trying to send me to court! I know that there are some people that handle "credit repair" but i'd rather do it on my own......does anyone know of any websites or books that can help me? please!!!

2007-11-28 11:28:50 · 5 answers · asked by sandycandy 1

As I understand, banks make money on the interest rate spread between lending and deposits. Let us say that a consumer puts $100 in my bank at my offered rate of x%. I can lend this $100 to someone else at (x+3%). I can make $3 if all works well.

Now, several complexities might arise.

1) I might not be able to lend all $100. I might just lend $30
2) The loan might get pre-paid and hence I don't make the entire spread.
3) Consumer might take out the money and hence Fed wants me to hold a certain amount of reserve that dampens my ability to lend
4) I can borrow at a certain inter-bank rate for day-to-day cash-flow that the Fed might come in and change
5) My competing bank drops the interest they charge on a loan , denting the demand for my loan
6) Added to that, banks offer multiple interest rates on both deposits as well as loans depending on credit risk, time horizons and principal.
7) Etc.

Are there models that allow me as a bank to set both deposit rates and lending rate?

2007-11-28 09:48:00 · 2 answers · asked by pakk 1

I am looking for a way to get a handle on my debt. I have explored a few different options, but my credit is too bad to get any type of loan. I just got a "quote" from a debt relief company to help resolve my issues, but I am a little wary because I have heard a lot of bad things about these companies. Is there anyone who is currently (or in the past) worked successfully with a non-profit debt counseling service? If so, who was it and how was your experience? Any other advice that can be offered is greatly appreciated.

2007-11-28 09:29:48 · 3 answers · asked by baby k 1

I've seen a person on here say that they went for this offer and had their credit line automatically upped after 45 days. I've had my card for about that long and it hasn't happened. Has this happened to anyone else?

2007-11-28 09:25:40 · 2 answers · asked by Joe 1

I want to get better interest on a car loan, but they said my credit score was low.

2007-11-28 08:33:40 · 6 answers · asked by Anonymous

I have horrible credit, and I'm going back to school in Jan. I have defaulted on a student loan, so I can't get federal grants or loans. All other financial institutions keep denying me. 2 different places approved me, but one was in the Camen Islands, so i didn't trust that. They wouldn't even send me any paperwork until I sent $1500. Allstate approved me, they sent my contract and everything. I'll get the money about 5 days after they receive the $2000 security deposit. Does this sound legit?

2007-11-28 07:45:03 · 5 answers · asked by redberri21 1

I just ordered an item because I got a catalog saying I was "pre-approved" for credit. It seemed a little too easy. Is there a scam here that I should be aware of? I ordered a $200 item.

2007-11-28 07:40:26 · 13 answers · asked by SatieG 2

I am currently working for a spa and they made me sign a paper that read i was unable to work at anyother spa giving treatments for a ratio's of 40 miles, but the wierd thing is that i was not given any training on specific ways to give treatments just on product knowlege and i would not go somewhere that uses them anyways? is this possible? does anyone have any advice?

2007-11-28 07:27:34 · 3 answers · asked by Anonymous

I filed and it was discharged in April 2001. When will this be off my "record"?

2007-11-28 06:57:19 · 8 answers · asked by Dan E 2

In california, does your credit get combined after you get married?
i want to get married for love of course but what legal stuff changes, like does your credit get combined? i have terrible well bad credit and i dont want to burden him with it. will i lose my insurance? stuff like that.

2007-11-28 06:56:59 · 2 answers · asked by CATWOMAN 6

so I am in the market for a new car, about $24,000.. I can get a 3.9 % finance for 36 months. I can put $10,000 down.
I can put those $10,000 in my bank and make 5% interest. Will I save some money by doing so, or am I better off putting those $10,000 as down payment for the car?

2007-11-28 06:51:49 · 5 answers · asked by Luis V 1

All of the debt management companies I have spoken with say that CashCall is considered a payday lender (even though I have a $5,000 personal loan) and cannot be included with credit cards.

2007-11-28 06:50:24 · 4 answers · asked by elaine 2

Please explain your answer. Why or why not.

Thanks!

2007-11-28 06:48:14 · 5 answers · asked by oneakmusic 2

I have been seriously paying down my debt for the past year. I have 2 cards with 0% interest. Both of these cards have a $10,000.00 credit limit. My remaining balance on both cards is $2,500.00. Does this high credit limit affect my credit score?

2007-11-28 06:31:54 · 5 answers · asked by younglady50 1

I have an appointment with a CCCS counselor in 3 weeks. I am not late on any of my payments, but I need their help desperately.

I would like to stop payments now and worry about it later, after the CCCS meeting. After all, my credit rating will plunge as soon as I go with CCCS.

Is this a bad idea? Will it make any difference if I pay or not pay for the next few weeks?

Thank you for your wisdom
Enrique

2007-11-28 06:30:46 · 3 answers · asked by Anonymous

When you apply for a car loan and your the second (cosigner) will they discuss IN DETAIL the cosigners report and whats on it????

2007-11-28 06:23:16 · 3 answers · asked by misspinkmeow 2

I had no choice but to use them, to get me out of a 20% intrest rate, how long after I get out will it take to get my credit back to good?? I know you take a credit hit by using this service, they told me they have programs for mortgages, and personal loans once you complete the program. Your thoughts?

2007-11-28 06:06:09 · 5 answers · asked by thegodfather7375 2

2007-11-28 05:45:49 · 6 answers · asked by cobra 2

What do they need before taking you to court? i assume they must serve you? they do not have my street address, just a post office. they also have my work, how does that affect anything?

2007-11-28 05:30:03 · 6 answers · asked by profile 2

Im paying 18% interest on my credit card ($3000) would it be better to put it on my home loan where Im only paying 8% interest?

2007-11-28 05:18:18 · 6 answers · asked by Ronnix1960 2

Background info: I'm 23, financially independent- renting a house, currently paying student loans (and i will attend medical school next fall), and have a car that i am paying off. Today I obtained my free credit reports and FICO score- i'm at 744 ("Very Good"). I found, from my reports, that I had a number of credit cards- most never used- mostly from department stores. I called and canceled them immediately. Now the only thing current on my credit report should be the things mentioned above (and 2 other cards). Could it HURT my credit to have taken those established (some of them 3+ years old) off my report, even if they were never used? There is nothing "negative" reported on my reports- never been late on a payment etc. Thanks for your help!!

2007-11-28 05:08:26 · 10 answers · asked by Amy S 2

I'm wondering after receiving a letter from a credit collection agency stating I owe a past due balance from an account w/ a dept. store 14 years ago that I don't remember anyway, do I need to worry about them pursuing me for this? It's accrued $1,000 in interest from a 950.00 balance in 1993. It's not even on my credit report, can they still go after me????

2007-11-28 05:05:56 · 10 answers · asked by sunoverla 2

I just got a phone call and when I answered it was an automated message telling me to call a woman (gave me her name) and that this was an attempt to collect a debt. I think it would be silly to call someone back knowing they are going to harrass me about paying an old debt. I'm sure the debt is old because I don't have any recent unpaid debts. And I think it's stupid on their part to try to contact someone via an automated message. Any feedback?

2007-11-28 04:49:57 · 10 answers · asked by Gail 2

if my mother owes a collection agent 9000 dollars and social security is her only income can they make her pay ?

2007-11-28 04:09:50 · 3 answers · asked by tia88fire 2

I just got a visa card and my cousin sent me this message telling me to beware, and i want to know is this really going on. thanks for answering. and here's the message she sent me...

The Holiday Season is just a little bit down the road and the bad guys are already trying to get free stuff by using your credit. I just received this so thought I'd forewarn you and forward it on.
New Credit Card ScamSnopes.comsays this is true. See this site -http://www.snopes.com/crime/warnings/creditcard.aspThis Snopes site says TR UE!!! I just checked it myself.
This one is pretty slick since they provide YOU with all the information, except the one piece they want.
Note, the callers do not ask for your card number; they already have it. This information is worth reading. By understanding how the VISA & MasterCard Telephone Credit Card Scam works, you'll be better prepared to protect yourself.

2007-11-28 03:54:17 · 3 answers · asked by ♥♥♥ H☮TMAMA ♥♥♥ 3

My wife signed up for reunion.com and she used my old check from a bank i havent used in months knowing theres no money in it and that shes not on the acct? Would that be considered check fraud ??

2007-11-28 02:51:10 · 9 answers · asked by Anonymous