Credit - December 2007

I am looking into transfering to lower interest rate credit card but I am worried about hidden fees. Are there transfer fees? and are these applies for extended period?

2007-12-15 18:15:55 · 6 answers · asked by libra 5 1

i really need a cel phone but owe money to another company

2007-12-15 16:01:04 · 7 answers · asked by Anonymous

My husband has a charge-off of $6700 from a lease termination in 2004. I sent a letter of dispute in July when the collection agency contacted us, and I just received their verification yesterday. This debt is valid...but I REALLY don't want to pay it...(who does??) :) The statute of limitations here is 5 years (Florida) so I'm not sure if I can stall them long enough on this. Any suggestions? How likely is it that they will seek a judgement to garnish wages or put a lien on, if I simply ignore their verification?? probably not a good idea...huh? What should I do now?

2007-12-15 14:34:50 · 6 answers · asked by thechick 2

2007-12-15 13:37:28 · 8 answers · asked by Mel 2

I closed a credit card account in December 2001 and stopped making payments some months later. A year or so later, I started making payments to a debit management service, but stopped in June of 2003. A collection company filed a lawsuit against me in June 2007 for this debit. There is a 4 year statute of limitations in California to file from the date of default. Does that clock start from the date of default to the credit card company, or the debit management service.

2007-12-15 11:25:25 · 2 answers · asked by ? 1

Hi

I loaned my brother over 10,000.00 in california ,had him sign a loan agreement with interest. Its been 2.5 yrs and not one payment .Can i put a lien on his property even though the loan contract dosn't state payment due by a certain date. Since its over the 5,000 small claims court price ,i'd have to go to a higher court (which one? ) . Do i need to go to court to apply for a lien for a unpaid loan . Again ,loan is at 7% interest but dosn't say when it has to be paid.

Thanks

2007-12-15 10:09:47 · 4 answers · asked by t f 1

2007-12-15 09:57:47 · 3 answers · asked by piotr m 1

2007-12-15 09:50:56 · 17 answers · asked by Anonymous

how do visa gift cards work? what is the activation fee or something? if i want to give it to someone, would that person have to pay anything first? or can he use it right away? thx

2007-12-15 09:08:15 · 3 answers · asked by [HeartHappy*] 3

2007-12-15 08:27:35 · 3 answers · asked by Anonymous

2007-12-15 07:38:13 · 6 answers · asked by Anonymous

2007-12-15 07:37:52 · 7 answers · asked by wetsauce 1

2007-12-15 05:07:22 · 2 answers · asked by how 2 b a thousandnaire...watch! 1

I am in the state of Indiana, and I received a complaint and summons regarding an old debt on November 30. I pulled up my credit report and the last payment was made either in October or November of 2001 and I think it's now too old. Should I answer this myself, see an attorney, what?

2007-12-15 04:49:53 · 6 answers · asked by K S 2

2007-12-15 04:23:50 · 1 answers · asked by jordan w 1

i understand when u use ur card to make purchases u either have the option of paying in full b4 the due date or paying a minimum so if im paying the minimum of the balance on the card when am i charged interest? i know abt late charges and overlimit charges but when does a customer get charged interest on purchases and cash advances?

2007-12-15 01:43:43 · 5 answers · asked by bombaa h 1

I just got a card with a $500 limit and no activation fee. I lost my amx card, discover card, chase card, multiple store cards for non payment this was over 3 years ago

How was I able to still get a card even though I got all this bad stuff in my report?

2007-12-15 01:16:58 · 3 answers · asked by RAYMOND M 1

I've checked my credit report at annualcreditreport.com but is there anywhere I can get my credit score free with out giving my credit card #?

2007-12-14 18:47:02 · 8 answers · asked by only2xist2000 2

we are on tight budget to pay down old debt, with one consession, i get a small exersise bonus from work because i ride my bike 5mi to work. that money goes to a "separate account" for me to spent on whatever. got to have some little rewards. things got tighter a couple of times when she way overpaid cc. i said we could use the bike mony on one condition. its paid back in time for me to get PC parts for i can have time to install them over the xmas time off. now she is reniging on the deal!!! i am so pissed off i cant think straight!
bear in mind any time she wants something i'm ok with it and i guarrantee its way more than is goin into my account.
i am so ready to charge my stuff. so should i charge it and have a merry xmas (the bill will come after xmas) or be pissed thouhgt the holidays.

also posted in marriage & divorce

2007-12-14 18:41:59 · 3 answers · asked by Anonymous

2007-12-14 18:36:56 · 8 answers · asked by Anonymous

I just found out that my dad payed for mine and my brothers tuition fee by charging them to his credit card and incurred circa $250,000 worth of debt through various credit cards that he's not going to be able to pay considering that his business is only source of income (personal business) is in jeopardy.

Credit card companies constantly send out notices via mail, since they cant reach us because everyone in our household changed their cell phone numbers.

Are there any LEGAL consequences that he can face such as jail time or repossessing his vehicles or house???

Thanks.

2007-12-14 17:27:52 · 15 answers · asked by Anonymous

hi so my mom decided to get me a prepaid visa debit card and she is gonna put like my allowence kind of thing on it


so i called chevy chase they dont have them i need visa so who has them i dont want to get it online

2007-12-14 16:58:11 · 2 answers · asked by Anonymous

I have Helio as a cell phone company. They accidently charged me a early termination feel that I did not owe, and time and time again I was told by them that I would not have to pay it, and that it had been credited to my account. Now they have apparently reported this amount to an outside collection agency and are telling me that there is nothing that they can do about it, even though it was there fault, they are now telling me I have to dispute it with a collections agency who has been very rude to me on the phone. What are my options, what should I do?

2007-12-14 16:28:01 · 1 answers · asked by Anonymous

I found out that something on my credit report was not mine, it was my mothers (we have the same name) I got it taken care of. I had applied for a car loan and my interest rate was 18.9% the lowest. At the time of applying I didn't know that this was on my credit. First question, will my credit score go up? WHen will that take place? If I applied for a car loan sa? in March or april do you think my interest rate will go down? What advice would you give in tips on getting a car??

2007-12-14 14:50:52 · 4 answers · asked by MellyG 2

my score and by how many points???

2007-12-14 13:45:55 · 2 answers · asked by trixibel 6

My credit card company has an option for free bill payments but my bank says they charge for online bill payment. Are there any fees that would apply since I am not using my bank's online services but am paying through the credit card company's site?

2007-12-14 13:38:11 · 2 answers · asked by winterwingz 1

how long can info be on your credit report before being removed.

2007-12-14 13:25:21 · 3 answers · asked by yellowkrk 1

I just found out I have a collection on my credit report for $69. I have no idea what it is or anything. I have to wait til tomorrow and call them before noon. What would happen if I paid that? Will it lower my credit score or will it go up a little?

2007-12-14 11:37:18 · 2 answers · asked by Anonymous

One of my (3) credit cards sent me a notice that they will be increasing my APR from 12.99 to 21.99, eventhough the original rate was supposedly fixed. The reason they gave was that my other 2 cards have high balances. Fine, however, I just paid for a wedding and honeymoon, which is why they are high right now, but have been steadily paying everything on time and more than minimum, when I can. One of my other cards is at 10.9, and doesn't plan to increase on me. Why do credit card companies pick on good honest people like this? Why did my APR go from a fixed rate to a variable? They gave me the option refuse the increase by closing the acct. and just paying it off at the 12.99 rate. Would this look negative on my credit report if I do so?

2007-12-14 11:20:46 · 6 answers · asked by Anonymous

All these loans I've applied for online say you can get money in an hour...the ones i've applied for...didnt do anything but flood my computer with a bunch of offers..are they're any loans I can get online that are not based on credit and I CAN REALLY get money fast...And I know about cashcall and can't try them.

2007-12-14 10:22:30 · 7 answers · asked by ? 2