Credit - December 2007

I have about $700/per month in debt. I have some late payments on my credit history, but all are at least 10 months ago. I'm looking at houses around $150,000, but want to know how much home I can get approved for or if I can get approved at all? Thanks for all of your answers.

2007-12-18 07:12:29 · 14 answers · asked by Bob A 1

2007-12-18 07:09:49 · 7 answers · asked by Renee B 2

2007-12-18 06:26:39 · 5 answers · asked by al m 1

2007-12-18 05:44:50 · 7 answers · asked by Anonymous

i am only 16 it is hard to get a job so thought that i could apply for a credit card

2007-12-18 04:45:26 · 13 answers · asked by Larhonda T 1

A friend of mine recently started working, and one of the vendors wanted to do a credit check. He unfortunately has several negative credit items, and they replied back asking for an explanation. If he explained that he would be rectifying those items soon, and how they came into his history on account of identity theft, would they allow him to continue working?

2007-12-18 03:36:21 · 3 answers · asked by Nani R 1

I wanna get my credit report,
but are worried about doing this online.
What if somebody can log into my network or so....

Can I get my credit record from a local bank?

or

Get it mailed to my physical address?


Thanks.

2007-12-18 02:29:36 · 7 answers · asked by Anonymous

Why in this day an age, of payments and receipts being instant, that a Chq Still can take 6 days to clear?
i know checks have to be done but 6 days, surly this is just a ruse by banks to rip us comsumers off!

2007-12-17 23:34:02 · 9 answers · asked by Dazman 4

CONT...

the credit card (bartender wasn't paying attention) I Didn't do this on intention but, what do i do now that card gave is no good ??? Please Help

Thanks

2007-12-17 18:55:13 · 6 answers · asked by Brandon 3

OK, here's the scoop.. I recently purchased a $1700 TV from a national retailer. I paid $1500 of the amount using their store issued credit card and the remaining $200 using my personal credit card. I wasn't happy with the picture once I had it home for a few days so I returned it for a refund.

I wasn't aware of this at the time, but the customer service person who handled the return made a mistake and credited the full $1700 to my personal credit card. It was a few weeks later that I realized the mistake.. I went back to the store and talked with the manager and she said they would have to charge my credit card $1500 dollars in order to pay off the credit balance on the store card. Now, I have a $1500 debit showing up on my personal credit card bill! Does this seem right? I'm fairly new to credit cards so I'm very confused about how all of this works. Does anyone have any explanations or any suggestions or on how to get out of this mess? Thanks in advance!

2007-12-17 15:28:13 · 7 answers · asked by John H. 2

If they would have just saved up down payment money, they could buy a house cheaper now. Why are people so irresponsible?

2007-12-17 15:14:57 · 9 answers · asked by don1862 4

I am on a budget, successfully last two years. Before then, we racked up nearly $9000 total in credit card debt on five cards. (home repairs, stuff). We have paid our credit cards on time, and have NO credit cards now. My problem, I am aggravated. Before my budget, I was late paying on two cards , and all cards jacked my rates to nearly 30%. So, even paying on time the last two years, the companies still deem me 'risky' since I only pay minumum. I still owe $9000!! I asked for a payoff amount, since half of what is owed is interest and penelties. They all say no, nor will they reduce the interest rate. (heck, they have a gold mine with me!) Anyone have luck with a letter asking creditors to take a lower payoff amount ?? I am caring for an ill son so i can't work, and my husband's job cut back so we are getting half of what we were earning. I don't want to do debt consolidation, since they tend to be a scam. If I can't negotiate a lower payoff amount, how can they?

2007-12-17 14:26:53 · 8 answers · asked by Bobbi 7

I have several credit cards and cannot pay the minimum balance always, with this being said is there anyway to get the companies to shut off my credit cards so that the interest does not keep taking on or some way that the charge me a set amount each month that the account still has an account but the minimum and interest do not continue to rise?

2007-12-17 14:25:31 · 5 answers · asked by sheena1327 1

A few days ago I got a call from a bank asking me if I wanted a new credit card. I told them very clearly that I didn't want to do anything that day, but if they wanted to send me some information I'd happily look over it.
They went ahead and opened an account in my name and sent me the card. I can, of course, cancel the card but the opening/closing will still have a negative effect on my credit report.
They haven't stolen from me, no one is using my card, but they still did something without my authorization that will have a negative effect on my credit. I figure if they've committed a crime that I can name I can make a lot more progress with customer service. Is this credit card fraud? Is this illegal? If so, what exactly is the crime? What can I do with the company, and what can I do if they're not helpful?
Thanks.

2007-12-17 14:22:03 · 17 answers · asked by Anonymous

I am getting married in April... my fiance has good credit and I have HORRIBLE credit. I am wondering if my bad credit will affect his in any way.

2007-12-17 13:57:09 · 5 answers · asked by Mallorie Z 1

My friend, Wenni had been called, and told that she would be given a free cruise if she went to a meeting. She went to the meeting and was given an application to send in for the cruise. She was given a contract to sign (not told it was a contract) and just told to sign here and here, she did so thinking she was signing up for a club. That would allow here to go on vacations etc. (was not told it was a timeshare) Later on she sent in her application for the cruise, (did not kno they were in Canada) so go there one day late. She recieved a letter saying she could not go because of this. She was told at the meeting that she could get 2 free weekends at the Windsor Country Club, she tried to get this one day, she called the supervisor Michael and he never called back. During this time they were taking money out of her account. She gave them 1k at the meeting, and they took $150 a month. She stopd access 4 months ago, and they are saying she signed a 10k contract and that its uncancelable

2007-12-17 09:38:30 · 6 answers · asked by Anonymous

I called a collection agency today and told them if they would delete from my credit, i would pay this 34.00 bill. Am I wrong thinking that they can delete this collection?

2007-12-17 08:37:28 · 7 answers · asked by hasdad62 6

I live in PA and some of these cards were opened back in 2000.

2007-12-17 08:26:02 · 34 answers · asked by Anonymous

I have just called Abbey National as that is who I have the credit card with as have a transaction whichwas dealt with in Hamburg( i live in the Uk) and they said they dont think it is fraudulent and I will have to contct a 0800 no. tomorrrow, the only other option is , is to cancel my credit card and I will recieve a new one with 14 days, come on, it is Christmas and i need it, why is it that they cannot deal with this complaint now!!! why do I have to wait. I work Mon to Fri 9-5 and now I will have to call them on my lunch hour? why?

2007-12-17 07:38:51 · 3 answers · asked by Anonymous

i need 5,000 to pay off some bills and help with an emerncy i am a stay at home mom of 2 kids . the only income i have is my husbands. does anyone know where i can get some help?

2007-12-17 06:32:39 · 3 answers · asked by mamaof2 1

If a credit card is reported lost, stolen, or deactivated and thus "hot carded" and an attempt is made to use it at an ATM and the ATM seizes it, not giving it back, does that ATM operator charge the bank/credit card company for each seized card? If yes, what fee is charged to the issuer of the card?

2007-12-17 06:01:35 · 6 answers · asked by breadbox 1

I always use ebay and never had a problem w/ paypal before but now its saying transaction cancealed and to contact my service provider so I did and they are saying my card is working fine, so I tried my husbands card and it does the same thing. I tried contacting paypal but cant get through its all automated. Does anyone have any ideas why this is happening

2007-12-17 04:19:29 · 1 answers · asked by Jennifer B 2

2007-12-17 03:56:21 · 5 answers · asked by Anonymous

I want to add a couple of cars to my credit report but nobody knows where to go or who to call. Anybody else deal with this and how did you get it done?

2007-12-17 02:44:03 · 4 answers · asked by icyheart1411 3

In financial circles carbon credit is often mentioned. I do not understand its significance.

2007-12-17 00:59:55 · 8 answers · asked by tkg_namboodhiri 2

2007-12-16 23:26:32 · 5 answers · asked by rosesbloom7 2

Will it be taken to court where i can ask the judge to have more time to pay ?

2007-12-16 21:42:59 · 14 answers · asked by TC 1

Recently I received a phone call from a company calling me about a credit card I once had about 3 years ago. I was unable to pay the credit card off. Now it has been turned over for collection. The individual I spoke with advise me to open a checking account so they could draft the money from my account. The individual told me if I don't do this they will go through my employer and garnish my check until the amount is paid. He said the amount I owe is $5,000 but the company will settle for $2,500 if I give them $500 as a down payment and pay the rest of the money on a monthly basis ($78) until it is paid in full. When I told him I don't have the $500, he said he will waived the down payment of $500 and set up a monthly payment of $78 a month for me until it is paid in full. I am weary of this. Has anyone ever had any experience such as this. I live in Georgia and I do know garnishment is allowed. I don't want anyone to garnish my check. Please help me, is this the real thing or not?

2007-12-16 21:21:27 · 8 answers · asked by Denese 2

Long story short I do work but work has been really slow for me and I have 2 kids to support and have been using credit cards to supplement my lost income. I just got a credit card about 2 months ago and my last but we are out of money and I need to claim bankruptcy. I lost my home about a month ago witch messed up my credit so I cant get any loans so bankruptcy is going to be my only way out of this mess but Im worried that the credit card companys will press charges (can they?) for not paying them Ive never been in this situation has anyone gone through this and if so how do I get started?

2007-12-16 19:30:23 · 11 answers · asked by Adam k 1

If they run your card , and there not enough funds??

2007-12-16 18:47:39 · 1 answers · asked by Brandon 3