Credit - November 2007

I Was reconciling my account now for the month of July, ( I kow a bit to slow) and discovered 4 checks that cleared my account, that were stolen around october of last year.
This checks were reported stolen to the bank.

The bank saying that stop payment on checks is only for 6 months, and they might have no responsebility on this case.
so we have checks that wee reported stolen not my signuture on the checks and the bank still thinks its my problom, any sugestions?

2007-11-22 06:49:41 · 4 answers · asked by joe l 1

From a consumer's standpoint, is there any difference between Visa or Mastercard?

2007-11-22 05:00:16 · 4 answers · asked by . 4

My father's wife used to work at a bank. I have reason to believe, due to some strange questions that I have been asked, that she is getting her friends at the bank to pull my credit reports. I would like to know if I am correct as she seems to know my credit history better than I do.

2007-11-22 03:09:05 · 7 answers · asked by Anonymous

I am in the process of paying off past debts from a few years ago in my less responsible college days. The problem is that these debts are showing up as multiple entries on my credit report due to the fact that these collection agencies keep selling them off, and then failing to update the information... How am I supposed to pay these debts when I don't know who has them, and what the actual balance is on them? Furthermore, why is this practice legal? Once an account is sold to another collection agency, why is the agency that is no longer the holder on the account allowed to have a ding on your credit report? It makes no sense. 1 negative account should equal one negative entry... not multitudes of dings equating to a mutilated credit score. Is this an intentional loophole in the Fair Credit Reporting Act, and how do I fix this mess on my credit report?

2007-11-22 02:38:01 · 3 answers · asked by EsoMan 2

I don't qualify for apple's juniper card, as of what I can see there is no way to make payments on my 2000.00+ computer. I am homeschooled, and my pc is almost ready to die.
I desperately need this mac! If I was to call and tell them my situation and that I could easily make payments with no problem monthly, what are the chances they'd let me do it, despite the fact my credit is no good and I did not qualify for their credit card? I don't want their card to charge it up, I just need to it to make the purchase and be able to make monthly payments.

2007-11-21 19:34:11 · 2 answers · asked by Anonymous

2007-11-21 15:32:57 · 2 answers · asked by eman m 1

Do you have that payment plus the home equity line payment as well.

2007-11-21 14:40:10 · 4 answers · asked by paymastersignal 1

2007-11-21 13:43:59 · 5 answers · asked by rhonda w 1

I really don't want to get caught in the pool of oweing money....can anyone give me pros and cons of having a credit card?

2007-11-21 13:19:39 · 9 answers · asked by Patreeshh 1

And also, does anyone know what happens if that parent has more than one child? Does the debt get split up? Does the credit of the children get worse?

2007-11-21 12:31:26 · 13 answers · asked by Patreeshh 1

We needed to make an emergency repair on our stucco home that cost nearly $50K. Had to put it on a few high interest credit cards and now I'm freaking out! How can we pay this off quickly or get the balance transferred to something else? I was thinking of a home equity but we already have 2 mortgages on this place and no one wants to take third position. Moving is not an option as we'd be upside down. HELP!!! Any advice is welcome!

2007-11-21 12:18:44 · 7 answers · asked by itsallgood 5

I cashed my student loan check ($3,000) and I took it to the bank.. well my co-signer doesn't live here and he signed it and mailed it back to me but wasn't present when I cashed it.. when I took it to the bank, they accepted it but are placing it on a 2-5 business day "hold".. What does this mean?

2007-11-21 10:42:21 · 2 answers · asked by aa 1

2007-11-21 10:35:33 · 8 answers · asked by ladybug 1

The law firm/collection agency who won the judgment calls me every day (they leave a message on my machine) and have now sent me a letter telling me to contact their office within 7 days. Can they file a Motion of Contempt against me and will I go to jail? I live in Michigan. Thanks.

2007-11-21 10:29:48 · 3 answers · asked by Alexander G 1

If i get a loan from the bank to start a business (brick and mortar) or buy a business, will my personal credit score and/or finances be effect if something goes wrong? Is there anyway i can keep everything separate?

2007-11-21 10:08:07 · 2 answers · asked by dodhelp 1

I have 3 defaulted accounts, but unfortunately they have been sold already to collectors, some of them have been sold twice. For this reason I couldn’t reach any agreements about clear records from my debt file after payment, but I manage to pay around 50% though. As I’m still interested in improving my credit rating: should I pay off a lump sum or instalments would make a better picture and add me some points after, let say a year?

2007-11-21 10:02:38 · 21 answers · asked by VanHelsing 2

I am 21 years old and in 3500 in credit card debt. I have it under control. I live pay check to pay check. My parents and my sister in law are driving me crazy!! They want to know who i got myself in this situation. How do I make them understand I am not the only one who is in debt at my age!! please help...stressed out!!

2007-11-21 09:52:28 · 8 answers · asked by jennisea04 3

i just bought a house and i want to move out of my apartments but i have my contract till august so i was wondering how bad does it affect my credit!!

2007-11-21 09:51:42 · 5 answers · asked by *SIMPLY ME* 3

if i have a credit score of 717 is this considered decent credit?
im kinda new to this subject.

2007-11-21 09:43:30 · 3 answers · asked by aray176 1

A close friend asked me to cosign on 70K car for 4 yrs. And she going to pay me 3k on the day that its purchased. But Im a little worried about the deal even thou I really need the money. I know that her and her husband are financially fit job wise, but they don't have good credit. She said based on their credit score they have to put down 20K to get the car and they don't want to do that. I am just wonder is 3K a little cheap for the liability that I may face if they don't pay. Can someone help me with the pros and cons of this deal. Should I or not. Advice please...

2007-11-21 09:29:28 · 15 answers · asked by Mesosweet 2

i wanna pay using my visa elc card but it keeps sking me to enter credit card details?! this is really getting on my nervs! how do i change this?

2007-11-21 08:34:56 · 2 answers · asked by Rambo 1

I live in Utah and the SOl is four years for revolving accounts. I have two collectors--one from 11 years ago and one that has no date on my credit report and has not verified the debt per requests. I know both debts are over 4 years old since the date of last activity. They cannot attempt to collect now right? I had one call today and threaten to sue (yeah right) and said that my current address was from 12 years ago, yet she called me at my mother's phone number. Neither of these companies can collect now right? I had one two years ago file suit against me with my affidavit "answers" already filled in for me--needless to say I crossed all those out and filled in NO to everything. Never heard back from them again.

The reason I am asking is that I only have 4 things on my credit report. The one mentioned above with no dates attached, one current in good standing, and two closed accounts. All of which is due to drop off next year. How can they attempt to collect now?

2007-11-21 07:00:59 · 3 answers · asked by operaphantom2003 4

I got a credit card 5 months after my 18th brithday and I told myself to only use it to buy something for like $15 and then pay it off. My car started to mess up and I had to take it to the shop. I'm full-time student and I work part-time so I don't have money laying around to fix my car so I used my credit card. My car needed a starter which was over $400 because of labor and a oil change. So short and simple I put it on my credit card and i haven't charged anything since (this was in september). The minuim payment is $20 each month (it's a student card) but I pay $50 three days before due date to avoid intrest charges (there have been none). My question is having this balance on my card and not charging anything new, how is it affecting my credit score. Is my credi score just staying the same or going up?

2007-11-21 06:38:59 · 4 answers · asked by aric_714 4

2007-11-21 06:07:45 · 2 answers · asked by dbastin521 1

Does it really matter if a website says "secure," or "secured by such and such?" I mean as long as your infor is out there, aren't you at risk? I've been ordering stuff online lately, but I prolly shouldn't since I have a debit card, and that's worse than using credit (I only have a debit card). But from what I understand if you can say the charges are fraudulent, your bank will take them off. I recently read about a woman whose card got charged with all kinds of whack charges from Indonesia. She thinks it because she ordered a plane ticket online. But I mean aren't you just as much at risk if you give your card to a waitress or gas attendant? My dad wants me to use his credit card when I buy stuff online, but I don't want to do that. I don't want him to know what I'm buying and plus, how more secure is that?

2007-11-21 05:33:24 · 5 answers · asked by Anonymous

2007-11-21 03:50:45 · 6 answers · asked by caliegirl 1

and I think I was too kind in my letter. I think I should have been more harsh and insultive. What do you think?

2007-11-20 19:48:04 · 6 answers · asked by thefinalresult 7

I have Battled breast cancer for tens years.
Unfortunately it is a very expensive disease and doesn't care what your credit scores are.
And neither do the creditors.....Sure they buy the pink ribbons and put the on socks, shoes, buttons, cars, magnets etc...but do they really know the people they are buying the ribbons for?
when they check your score, do they ask why, after years of perfect credit, did it all go wrong?
I have asked them, they replied to me that "the numbers are all they see, it doesn't matter that fate chose you to have cancer, it's just the numbers that count not the people", this was word for word! From all 3 credit corps.
Sad Really!

2007-11-20 18:29:44 · 4 answers · asked by WICCA RN 2

My wallet was stolen with my Social Security Card and Birth certificate in it. How can i figure out if someone has used my social security number to get a credit card? I have no other credit cards, but how can i figure out if THEY got one using MY information? I would REALLY appreciate an answer. Thank you so much!

2007-11-20 18:12:55 · 10 answers · asked by Miranda 1

Basically there were two officers with each 50% of shares of an incorporated company and the company could no longer operate due to cash flow. The company had a $7000 balance with a major financial institution as an overdraft protection amount that was granted a year ago. We signed documents, but I am unsure if this was personally guaranteed at the time. My partner is not agreeing to pay off his half of the balance so this amount was sent to a collection agency. The have listed my name and the Incorporated company and stated that "Your credit bureau is being negatively impacted by this non-payment but can still be repaired." I just got this letter today and wondering if anyone can give me some good advice on what I should do. If it is not personally guaranteed can this affect my personal credit history?

2007-11-20 17:54:04 · 3 answers · asked by John A. 2