Credit - November 2007

Please could someone let know ASAP. The money is needed to finish my house payment. Due to an accident, i had to missed some days at work and needed to use some of the money for electric and gas to go to the doctor. The money is needed by Friday November 30, 2007.
Thank You
rnettat@yahoo.com

2007-11-27 09:01:00 · 0 answers · asked by rnettat 1

When an inquiry is done, does your score drop instantly at the time of inquiry or is there a 30 day process before affecting score?

Would like to know due to the fac that I am in the process of obtaining business credit lines from several lender and would assume the score would remain the same for that 30 day period.

Any respectable answer is appreciated. Especially those that have dealt with this type matter.

2007-11-27 09:01:00 · 4 answers · asked by Shelliebit 2

My balance to available credit is pretty bad, probably 16,000/20,000. I just paid off a furniture account with a credit limit of 2000, should I close it or not? I have a lot of open accounts, about 20, and one thing I noticed is that this account is only reported to equifax and that is my lowest score by 50 points. It's at about 611 with the others in the 660's. Any real tips would be nice, thanks.

2007-11-27 08:51:33 · 1 answers · asked by kamui r 1

She has 97,000 in credit card bills , our condo is 300,000 to pay off, she has an additional house worth 150,000 that she is paying on. We have tried to pull the credit card payments into the 150,000 house but the bank said the debt to income ratio is too high. we tried to do a quitclaim of our primary residence to put in my name because my credit is in the mid-700's hoping that it would lower our house payment to put more money toward the credit cards but the bank said it would not make a difference because she is still responsible for the debt, so the payments would not change. I'm basically asking is there anyway we could get a loan to put all those cards in for one payment because the interest rates she has our high on the cards. Also the option of selling the 150,000 is out because of family reasons.Also selling our condo is very difficult. Please help me solve this because I don't know what I'm missing. Please I need answers not comments. We both are trying hard to fix this

2007-11-27 08:24:24 · 7 answers · asked by rialdo 1

I was trying to repair my credit by myself and I disputed items a few things were deleted while one was verified/ updated. Does that mean that the 7yrs until it is removed will start over? Also on the items that were deleted can they come back?

2007-11-27 07:49:28 · 5 answers · asked by mhtinkerbell 2

2007-11-27 06:27:24 · 1 answers · asked by jsuggs000 1

How do I go about checking my kids' credit? They are too young to have done anything themselves, but I worry that my ex may have used their SS# and ruined their credits. Do I ask about it at their bank? Is there a charge?
I live in WA state, if that makes a difference.

2007-11-27 06:19:23 · 6 answers · asked by thezaylady 7

So I've done some research and I know all of the consequences of walking away from credit card debt. But I am not sure what I should do. I know many people have asked this same question and were told to get credit counseling. I've also looked into that and most places charge a fee which I can't afford to pay. I've also looked into debt consolidation loans, which I am not eligible for. I've even called my credit card companies and asked for a lower interest rate and was denied. I can't afford to get an attorney.

This is my situation. I was young and dumb got a bunch of credit cards. I think I have about $4,500 in credit card debt. I try to pay more then the minimum payment monthly but my interest rates have increased & I cannot afford the monthly payments. I also have student loans & a bank loan that I pay on as well. Those loans are obviously more important then my credit cards.

I pay on these cards and the balance never goes down. I don't even use the cards anymore, it doesn't make a difference.

Any HELPFUL suggestions or advice from personal experience is appreciated.

2007-11-27 05:54:45 · 28 answers · asked by velocitysc43 2

I'm 19 and enrolled in a college to go spring semestr-problem is my parents are divorced and hav bad credit and cannot get loans. In addition, i was supposed to be saving but I went on spending sprees, and owe:
2k on amex
500$-on visa from first one bank
300$-on target
I cant keep up with this and im now late on all 3, what do i do??

My mom pays the target and dad helps with my phone bill but still?! My credit is going to go down the drain and i dont know how to stop it could they work with me?

2007-11-27 05:53:41 · 3 answers · asked by Anonymous

i am an authorized card user on my moms american express but i dont see the payments i make on my credit report and they tell me to take it up with the reporting agencies who tell me that amex is not sending them the info. please help

2007-11-27 05:50:03 · 5 answers · asked by motwism 1

my credit scores average at 620 now and i want to get to a 720 within 6 months. i have 2 credit cards with 20% balances on them and a2 loans out from my bank ($1000) for credit purposes, (didnt need the money) but i have 7 items on my report that are 51/2 to 6 years old that i think are affecting me alot. please help, serious answers only

2007-11-27 05:46:22 · 6 answers · asked by motwism 1

Does anyone know who I can talk to about getting payday lenders shut down??? I know this sounds crazy, but I am tired of seeing people I know and love in trouble with these things. I personally have gotten into numerous loans and it ruined my life. I have slowly gotten out of that rut but it was very hard a struggle. SHould I talk to a local City Council person or who?? I am at a loss. I just want them to either become better regulated or just out of South Carolina.

2007-11-27 05:37:27 · 8 answers · asked by Anonymous

A co-worker borrowed money from a check 'n go, but has no money to pay it back. She put a stop payment on the check, and has refused to answer their calls. Can they send her to collections or subpoena her to court?

2007-11-27 04:51:54 · 8 answers · asked by assparks2002 2

iv got a homeloan and missd this months repayment, tho il hav it paid in 3 wks, was jus wondering if anyone knew what happins to your credit rating when u miss one?

2007-11-27 04:22:36 · 7 answers · asked by josh l 1

2007-11-27 04:07:02 · 4 answers · asked by Danny M 1

What about cell phones. Do these only show if they are negative. I pay all my bills on time.

2007-11-27 03:42:06 · 6 answers · asked by Anonymous

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2007-11-27 03:37:30 · 0 answers · asked by Lucky 2

I am sending a collection agency a pay to delete letter and on my check I wrote " Upon cashing as agreed, this account will be deleted from all CRA's" If they cash the check, do you think it will work. The collection is 4 years old.

2007-11-27 03:27:04 · 5 answers · asked by dthomas484 2

Hello,

My credit card was just charged off because I failed to make payments. The balance was $5000.

I now have $5000 to pay but the original credit card told me that I cannot pay them and I must go through the debt collection agency. Is this true? Doesn't it look better if i pay directly to the originator (Bank Of America)?


Also what happens to my credit score? I understand it will seriously hurt it, but after 7 years will I be able to get an apartment or a car if I show serious savings and a great credit history for 7 years?

Thank You,
Adam

2007-11-27 01:52:05 · 8 answers · asked by KnowItAll123 1

A friend is being sued in Texas for a debt. 2 years ago he was sued over a debt his ex defaulted on. There was a default judgement and I doubt he paid the debt. I think the new suit is an attempt to collect on the judgment. What happens if he doesn't go to court and still refuses to pay? he works on commission. I assume the court will garnish his wages? Is there anything else they can do?

2007-11-27 00:41:37 · 10 answers · asked by sweetladyu2 1

I believed this was the miracle drug for weight loss and ordered a bottle about a year ago. Of course, it didn't take me long to realize that it was a scam. I still receive a bottle every month and am charged on my credit card. I have written Ultra Life PM Fullfillment and returned their products in the past. I continue to receive this product and would like to know how I go about reporting this company and getting my money back. I have emailed them and later found out they are a phony company. Any one else been scammed by this procuct? I need HELP please. Thanks

2007-11-26 21:50:33 · 4 answers · asked by haweesay 2

How many points does your score go down when someone inquire? How long does it take for the points to return back to your score?

2007-11-26 17:25:45 · 4 answers · asked by Thankful_to^ 1

The person told me to send money back to them and they will send me a larger amount, but i just kept the money after it cleared.

Whos responsible after it clears?

2007-11-26 13:36:35 · 5 answers · asked by harlemkat2003 1

some lady started talking to my friend and sent this to him:

I want you to do something for me about my coming back tostate cos i want to come back as soon as possible so we can meet andcelebrate the Christmas together.about my coming back to statei have a way out but i want you to give me little assistance you can..There is this payment someone want to made for my father but theproblem is this.. The payment will be issue in us check or money orderand it can't be cashed here.. So this is why we ask the person to holdon not to send it yet. My dear this is what i want you to do for me.Just accept to check the payment and if you do,the payment will besend to you and when you have it cashed i will give you the info youwill send the money to so i can use some of it to come down there tomeet you.. Maybe when we meet you can give me some money back.. Howabout that?Miss you my love and i tell me how muchyou think about me?Get back to me with your name in full and addressso it will be send t

2007-11-26 11:52:10 · 7 answers · asked by Anonymous

If so what is the typical limit you can use on the card. You see this is my first time ever on getting a credit card. So im new to interest rates and all of that. But im planning on getting cosmetic surgery this december and i need some extra money so my mom told me to get a credit card to help pay off the rest. So i was wondering if you have to already have the money to use the credit card or do you just pay them back and what is the limit of money you can use on your card. Im planning on paying it all back once i get the money after christmas then i probably wont really use it that much other than here and there after im settled into a job.

2007-11-26 08:37:01 · 13 answers · asked by Anonymous

I arrived to the USA 1 year ago and I opened a checkings account with my passport # and ITIN # at Washinhton Mutual.
Ive been overdrawn for a month already for $1000 and I think that account is going to be closed. At this moment Im going through a very hard financial time and I cant pay the debt off.

I have just been given my new work permit and Social Security # and I got my first credit card from Bank of America.
so the question is: If I dont pay the WM debt, will that affect my new credit, inclusively if they dont have my ssn and dont know I have one ?

2007-11-26 08:30:54 · 7 answers · asked by Anonymous

I am looking to consolidate all my bills and be able to bring my three grandcholdren here for X- Mas. My credit is considered poor score575. I have tried CITI, Capital One and they won't lend me any money. All my bills are current and have been for a long time. I spent 6 months unemployed and it killed my credit even though I was only a user on the accounts .

2007-11-26 08:07:56 · 4 answers · asked by Gene R 1

2007-11-26 07:32:32 · 22 answers · asked by Dan 1

I just received a settlement offer from a credit card that was closed over 5 years ago. Total amount owed was $753 and settlement is for $310. I have disputed this for all this time because my original credit limit was only $350 and the company(First Premier) tacked on outrageous fees which i did not agree with. Now that this is with a collection agency, should i accept the offer to settle, and if so, can i have them remove this from my credit report?

2007-11-26 07:15:54 · 13 answers · asked by cbbcountess 1

Should a car still be on my credit report from 1999-2000? I was under chapter 13 and refiled the next year. I had a car under it, it got totaled and the insurance covering chapter 13 paid it off and let me into another car to begin my payments where I left off on the previously wrecked car. I hadn't paid chapter 13 since I got hurt on my job in 3/99. I guess they didn't check that before letting me into another car. Can this car still be on my credit report as an open account. Shouldn't it be gone by now. My chapter 13s are still there, I understand they don't go away for 10 years if they were dismissed as opposed to discharged. But this car was repossessed in 2002. 2002 wasn't the last payment but if they sell the car and charge me the difference, does that start me over with the SOL?

2007-11-26 07:11:01 · 1 answers · asked by lady m 2