Credit - December 2007

need answers for a young man whos now 21 but got letter in mail saying he had a phone back in 1999 he was a kid then of 14

2007-12-14 10:21:29 · 2 answers · asked by Barbara M 2

Before you start; I know, believe me I know.

Moving on, I'm not really worried about catching the person or persons involved, but more worried about my credit and bank account. I'm now overdrafted by 3400 dollars and have no idea how I am going to pay that back. I'm currently a full time college student with a part-time (25-30 hr) job so you can see that paying 3400 dollars within 60 days just isn't gonna happen. I was wondering what I could possibly do to try and come up with that amount of money with some sort of payment plan that I can actually afford (The bank said something like 300$/wk which is WAY out of my pay range). I've been told to get a credit card but that's almost impossible to get that limit allowed on it since I have no credit yet, also has proved the same with the few banks I tried to get a loan from. Any help would be appreciated, thanks in advance.

2007-12-14 09:28:45 · 10 answers · asked by Anonymous

She gets pre-approved cards yet works only part-time for minumum wage. I have bailed her out a few times but this is getting old now. I just paid off Discover and have now discovered that she has maxed out another card for $4500. I do not have the resources to continue helping her. Is there any way that I can stop these cards since she is disabled and receives SSDI benefits???? I had to pay her rent today or she would be evicted.

2007-12-14 08:53:57 · 9 answers · asked by Prossy 2

Does anyone work at Bank of America? There was a really rude teller (apprently she's know for that), how do I go about complaining about her?

2007-12-14 08:52:54 · 18 answers · asked by janew 2

I have a collections a few judgements and I have lates blah blah I have a 540 score how do I got about repairing my credit. Will paying off the collections help.....and what about judgements?

2007-12-14 08:52:46 · 10 answers · asked by Sillyme 1

I have a credit card that went array a few years ago, and I should not have let it. My problem is that I keep getting harassing calls. Im in Texas, and I know that they cannot garnish my wages. I also know that the creditor is under no legal obligation to tell the credit card company that it is paid off. And once my CC company sells my debt it’s already hit my credit. So paying it off with the agency won’t help my score. Is there any real benefit in paying the collection agencies? And if not what can they really do to me?

2007-12-14 08:04:15 · 20 answers · asked by moonlightknight5 2

I am thinking about applying for a loan from Eric Smith. He is asking for a non-collateral deposit of 2.1% of the principal loan amount and states that this is legal as stated in the Amended Constitution Act 2004, Lending Policy 174/Ur.
Any information that anyone can give me regarding this would be greatly appreciated.

2007-12-14 06:45:35 · 10 answers · asked by Anonymous

I know lots of people have questions on this but here is my story anyways. I have two credit cards that I have almost paid off. On top of that, I'm only 23 years old and I have lots of medical bills that are unpaid. Besides that, I am paying payments on a car and insurance. Those two, I have not made any late payments. All of my bad credit stems from my past. I also go to school and need money for school so I don't have much to put towards my medical bills.

2007-12-14 06:38:43 · 4 answers · asked by Wendy G 4

I'm trying to get my credit in order. I'm 22 and have a credit card with about $3,000 on it. In March, I will have it down to about $1,500 and I was wondering if it would be better to take out a Sallie Mae loan for that much and pay off the card and act more cautiously with it, or just hang out with the interest and pay it off slowly. [I would like quickly, but that won't happen.] I do not have a ridiculously amount in student loans out and will be graduating in May.

Any opinions would help. Thanks.

2007-12-14 06:20:29 · 5 answers · asked by Jess B 1

Hello fellow people of the Yahoo community. I am faced with a dilemma. My son is 20, he's on track after getting off track 3 years ago by dropping out and not doing anything but play sports. He's planning to attend Baruch College in NYC and major in Finance and investments to be a stock broker. 3 years ago, he made some stupid mistakes. He back then needed money to hang out everyday, so he went and opened a few credit cards in his name(with fake employment and income info) with providian and direct merchants, and opened accounts in my name with himself as co-user so he can use it. Right now, I am getting letters from debt collectors, and the first letter from a law firm attempting to collect a debt for Capital One. I'm about maybe 55000 in debt at the moment, and I am wondering if I report fraud, would he get in major legal trouble and be put away for a long time? Is there a possibility of him getting probabtion since he is a first time offender and had a clean record?

2007-12-14 05:46:28 · 9 answers · asked by shankerxv 1

I would like to know is there a place online where I can get my credit checked out for free and I do not have to pay any introduction fees like on Free Credit Report or Anual Credit report?

2007-12-14 05:45:25 · 5 answers · asked by Anonymous

My friend has been getting calls from a car insurance company saying her ins. is about to expire. She don't have a car or insurance! She's started getting letters from credit card companies for cards, when she's always been rejected before. She's never had a credit card and doesn't qualify for one. She's on disability and can't work. Nothing has changed in years. Think her identy has been stolen? What steps should she take to check things out?

2007-12-14 04:19:26 · 16 answers · asked by FunnieBunnie 4

With 150k income, and a 400k mortgage with no equity we want to consolidate 75k in consumer debt. We have a good credit rating, just too much debt. What are our best options and who can we go to for help?

2007-12-14 03:52:02 · 3 answers · asked by Anonymous

If I am not paying the minimum amount due but I am paying close to it every month can my loan still go into default or do you have to actually miss several months of payments before it goes into default status?

2007-12-14 02:04:58 · 8 answers · asked by CuriousGeorgine 1

how old do you have to be to get one? Or is there no age limit?

2007-12-14 01:59:57 · 2 answers · asked by James 1

2007-12-14 01:53:51 · 9 answers · asked by BobDanzig 1

if I pay off my home by a sale before the Sherrif sale date for a public auction? I received a letter that gave me until Jan 2nd to pay off the mortgage or stop the foreclosure by a repayment plan or paying what I owe past due. If my house is sold before then and I pay it off, what will it reveal on my credit? A payoff? or a foreclosure?

2007-12-14 01:52:05 · 5 answers · asked by just bored 3

I'm talking anywhere from Medical Bills to unpaid balances from an old checking account. Don't judge me... none of my debts are anywhere near to reaching their SOL, nor do I plan on waiting them out until then. I'm just curious.

2007-12-14 01:45:25 · 5 answers · asked by Folky Veronica 2

okay last night the Richmond KY sherriffs department showed up at my bfs parents house looking for him. They said he owed Midland money.... I have looked all over the internet and from what I understand its a collections agency.... I know when he was younger he aqquired some credit card debt that he hasnt paid... could this be what its from? Whats going to happen to him? any information on Midland or CC debt would really be helpful!! Thanks in advance! and MERRY CHRISTMAS EVERYONE!!! <3

2007-12-14 01:24:47 · 7 answers · asked by lizzylou859 3

2007-12-13 20:25:48 · 4 answers · asked by Jason 1

well i recently (today) deposited a check(under my name ) to my checkings account & it hasnt deposited!! i mean it still doesnt appear! i need 2 pay Avon asap...but ugh....thats check was under my name ......so im confuseddd

2007-12-13 16:19:02 · 7 answers · asked by I WUV MI BEBE! 1

2007-12-13 12:55:14 · 3 answers · asked by ravanlaw 1

and are consistent with making the monthly payments?

My credit is not that great so I need my husband to cosign for me to get a car. If we make the payments on time each month, will my credit go up too or just his?

Thanks!!

2007-12-13 11:40:21 · 4 answers · asked by Virginia 3

2007-12-13 11:37:59 · 4 answers · asked by kimberly t 2

2007-12-13 10:04:58 · 13 answers · asked by Anonymous

Aside from using freeannualcreditreport.com how can I look at all three of my credit reports? I hae already used freeannulacreditreport once this year. I am looking for a good service that isn't a scam and overpriced. Does anyone know of one?

2007-12-13 09:42:52 · 4 answers · asked by Anonymous

I was thinking about getting one?

2007-12-13 09:27:45 · 3 answers · asked by Anonymous

I heard an interesting statistic that Americans spent more money than they made in 2005 and that is the first time it has happened since the great depression. Creditors are irresponsibly lending more and more money to less qualified people and charging them higher rates, more penalties. The result of all these people buying things that they cannot afford is driving prices upward and creating a cruel and damaging cycle. Agree?

2007-12-13 09:02:19 · 9 answers · asked by Anonymous

2007-12-13 08:47:02 · 2 answers · asked by whitejd43 2

I would like to pay them all off and then just carry one maybe 2. How do i get rid of 1 or 2 of them once they are paid off without hurting my credit? Should I just cut them up, cancel them???

2007-12-13 08:35:52 · 4 answers · asked by domino79101 2