Credit - November 2007

2007-11-28 02:45:42 · 15 answers · asked by TexanNFLGirl 3

2007-11-28 02:40:29 · 10 answers · asked by Anonymous

Which company gives you the most accurate personal credit report info, TransUnion, Experian or Equifax? Also, what website is the best to get that report without any hassle, fees, etc.

Thanks.

2007-11-28 01:36:59 · 5 answers · asked by pryd 3

I just want to know because he's offering a loan thru internet....
anybody familiar with this loan?

2007-11-28 01:25:31 · 4 answers · asked by Jill 1

I have a debt and have not heard from the debt company for a while.
I know that this has been passed over to a debt collection agency but when they first contacted me I was out of work and only able to pay a minimum.
I then got behind on these payments but heard no further from the agency.
I am now back in work and wanting to start payments again but cannot find any letters etc telling me who I owe?

Should I contact the bank that I originally had the debt with?
Not sure how to proceed but don't want to just leave it in case I get a scary letter one day taking me to court!

2007-11-28 00:27:37 · 10 answers · asked by Chutch 3

My name was on the property deed with my husband, but only his name was on the loan documents. Will my credit be effected by foreclosure or just my husbands?

2007-11-28 00:18:24 · 6 answers · asked by sunpop 1

At the risk of sounding cynical or ungreatful, I am wondering if this offer I got in the mail is too good to be true. I have absolutely horrible credit. I have a bankruptcy on my credit report as well as a very poor credit score (450-500!!!) and Bank of America would not even consider giving me a credit card months ago. I have checking and savings with them for a year now and all of a sudden I get a credit card offer in the mail. Unsecured, $2,500 limit, no apr or annual fee and rewards. Credit card companies laugh when I apply for credit so why now? I couldn't dream of a card like this when I had decent credit, so I am very suspicious now that I got this offer when my credit is MUCH worse. I didn't call the # on the letter. I called the bank and was told that all I had to do was accept the card and it is mine. Could this be a set up? I heard of those cops that tell people with warrants that they won something just so they can arrest them and I bounced a few checks...

2007-11-27 23:07:45 · 5 answers · asked by Anonymous

Does anyone know when the next Co-op card dividend is due out, i have been a member since Jan 2007 but never got a paymeny in the summer, has anyone got theirs yet.

Ta Grant

2007-11-27 21:13:04 · 2 answers · asked by GRANT B 1

is 585 a good score or bad

2007-11-27 17:53:01 · 7 answers · asked by stanley c 1

I'm currlently unemployed and have been so for a few months. I'm feeling very down and stressed out because i have no money (used all other personal funds as well) and Chrisrmas is around the corner. I would like to do some christmas shopping but can not afford it. My job searching has not been kind to me, I'm so worried about having christmas this year let alone having a few bucks in my pocket thats why i ask this question. How to make quick cash within a few hours?

2007-11-27 17:16:55 · 5 answers · asked by dcfan02_03 1

Is it even possible to get a perfect score? I think perfect is a 925. I have a 906 and have never had a blemish. Just wondering how they came up with 906. Would having all these dumb credit cards that want to preapprove me, snooping in my credit file, drop my score??

2007-11-27 16:19:09 · 7 answers · asked by April 4

2007-11-27 16:11:03 · 26 answers · asked by Anonymous

I lost my job on July 31st and thankfully with unemployment have been making the payments on my car monthly (they are 369$ and unemployment totals only 1000$ a month). Just wondering, if I did call the loan people (I go through Americredit) and said that I was having difficulites, what experiences have you had where they may work with me and what options would I get?

2007-11-27 15:53:54 · 5 answers · asked by Jane 2

securitization
factoring with recourse
discounting
factoring without recourse

2007-11-27 15:25:42 · 1 answers · asked by Anonymous

Okay I have a credit card that I have had a few months and I have been paying off what I spend each month up until now.

For the next few months, I really need to use my credit. It is a $1000 limit and it says that my minimum payment only has to be $15 ( currently I only have about $450 available credit)

If I pay the $15 does my limit go back up to $1,000? And then how do I actually pay off everything I owe then I just make a bigger payment then they are asking? Can someone just explain this to me and will it make my credit look really bad if I only make the minimum payment for a few months then pay everything back?

2007-11-27 15:25:00 · 4 answers · asked by Anonymous

2007-11-27 15:20:00 · 2 answers · asked by michael s 1

So I currently have three credit cards:
-- American Express, limit of $12,100, a $2000 balance and I've had this credit card for 7 years
-- Bank of America, limit of $4000, a $0 balance, I've had this credit card for a 1 year and 8 months
-- Discover Card, limit of $6200, a $0 balance-- this is the credit card I want to cancel...should I? I've had it for 1 year and 3 months

My average credit score is 756...do you think cancelling my discover card will ruin my score?

2007-11-27 15:10:17 · 9 answers · asked by bijoux 1

2007-11-27 14:57:29 · 9 answers · asked by Gunner 1

So I bought this pair of track spikes on ebay. the seller had a 0 rating but i wanted to take the risk. it's only 31 dollars, what the hell. I send the payment through paypal. How do I know if he got the payment or not? What does it mean when it says 'The recipient of this payment is Unverified' ?

2007-11-27 14:28:00 · 2 answers · asked by Anonymous

My husband and I are about to start bankruptcy, but I would like to know how badly it will really affect our credit. I know we cannot do much for owning our own home for approximately two years, but what about other debts, like car loans? Also, once someone has completed bankruptcy, what are some pointers you can offer to begin rebuilding credit (other than paying everything on time)? Thanks!

2007-11-27 13:54:19 · 4 answers · asked by vintageapple 2

i have a credit card and owe like 5,000 on it, can i cancel it and just keep making payments on it.........will this lower my credit score?

2007-11-27 13:25:07 · 3 answers · asked by hmls 1

2007-11-27 13:22:34 · 3 answers · asked by Anonymous

do hospital bills affect my credit some ppl tell me they do and some ppl tell me it shows up on the credit report but does not screw up credit to bad?

2007-11-27 12:03:19 · 9 answers · asked by Anonymous

Or is there a safer way to buy online?

2007-11-27 12:02:12 · 5 answers · asked by Anonymous

2007-11-27 11:50:07 · 3 answers · asked by trixibel 6

better way to get approved for mortgage loans, and are overall better. Is this true?
Thanks!

2007-11-27 11:38:45 · 8 answers · asked by Mrs! 2

2007-11-27 11:12:00 · 1 answers · asked by Tom L 3

I just recieved a "final notice" from a collection agency, (even though this was the first letter I recieved from them) offering a settlement offer on a phone account that we stopped in September of 1997.
I have never recieved any notice from the phone company or any collection agency and I believe I paid our final bill in full back then. Nothing is or has ever been on my credit report regarding this either.
The representative I spoke with was very rude and demanding and told me that she would provide proof AFTER I had set up a payment plan.
I don't want to pay for something that I don't owe. I will write a dispute letter to them and ask for proof; however, meanwhile, she told me that it is me that has to provide proof to them that I have paid this "bill" rather than them providing me proof that a bill is owed.

After over 10 years, can a collection agency report this to credit bureaus if I don't satisify them by paying what I believe is a bogus bill?

2007-11-27 11:06:22 · 7 answers · asked by Anonymous

2007-11-27 10:47:04 · 3 answers · asked by Ellen J 2

I've had 2 credit cards for going on 8 months now, never missed a payment and often made 2 payments a month on each of them as I maxed them out and wanted to charge more. Generally at the end of the month I have the entire card paid off but occassionally I'll leave about $200 on there and pay it off as the new paycheck comes in.

I got my credit report today and it still says I'm unrated. Originally I was maxed out with 300 on one card and 500 on the other. The one was raised to 500$ at about 3 months, and the 500$ one was just raised to $800 a few weeks ago.

How can I still not be getting credit? I use my CC for EVERYTHING and always pay it.

2007-11-27 10:08:19 · 3 answers · asked by biggestperlnerd 3