Credit - December 2007

2007-12-05 11:56:18 · 10 answers · asked by Gurpreet S 1

2007-12-05 09:59:53 · 4 answers · asked by larry c 1

I am working for a guy over the internet. He said he would pay me by check. Does he have to mail it to me or will he be able to e-mail it? We live pretty far away...

2007-12-05 09:31:07 · 6 answers · asked by Caelestiel 2

okay so i have a bank of america credit card and my credit line was 600 i have been paying since august of 06 and im only at 500 because of a late payment and stupid proactive kept charging and it went over my limit so im stuck here, i received a 300 card limit with capital one but havent activated it. i was wondering do u think it is better if i pay 300 or so with the capital one to my bank of america to get somewhere and then make payments to capital one? i just want to get that bank of america lower...thanks any answers can help.
also last year as well my mother-in-law opened up an avon account with me under my name she said we get half off on the first 4 orderes so i agreed to sell the first four orders however i then received a statement under my name for 678.00!! she said she made those orders and will pay it, well it is now 2007, a year later and its like 628 and they are still calling me, i cant get an increase in my bank of america card because of this! what should i do?

2007-12-05 08:48:38 · 11 answers · asked by chanellove03 2

if you have no bad credit for 6 years then do you start with a clean slate again?
please...no replies from people who are just out to prove how morally superior they are

2007-12-05 08:34:10 · 7 answers · asked by returnofkarlos 2

I have quite a few (about 12) old credit accounts that have been charged off to collections, and I would like to, sometime in the not too distant future begin to clean up my credit. If I were to pay off or settle on any of these accounts, who should I contact and pay? I am contaced by collections agencies for all of them, but all but one is still listed on my credit report under the name of the original creditor. I don't want to agree to pay a collections agency only for them to tell me, "Oh well we are only contraced by 'fill in the blank" credit card company, we don't have the authority to remove or change their listing." Anyone have some good advice for how I can make sure that any payments I make would acutally improve my credit?

2007-12-05 07:55:40 · 4 answers · asked by lizzybh84 2

2007-12-05 06:51:35 · 32 answers · asked by gorgeous gm 4

I am currently just over 30 days past due on my car payment. Yesterday, a representative from my auto finance company called my mother (whom I listed as a reference on my finance application), told her that I am behind on my car payment and that I was going to lose my car if I did not contact their office immediately. Isn't this third party disclosure in the attempt to collect upon a debt and grounds for a lawsuit?

If so, what state would I have to pursue this lawsuit in? I live in Arizona, my finance company is based in Utah and my mother lives in Georgia.

2007-12-05 06:47:25 · 3 answers · asked by industriousone 1

Hi there, I was wondering if anyone knew the answer to my question..... If you pay off some of your total balance by debit card through the website, will that amount come off my minimum payment that has to reach them by the 17th? Or do you have to pay through the bank/post via the giro slip that comes with your statement each month? Im not sure this has come out right, I hope you can understand what I mean!!
Thanks x

2007-12-05 06:20:36 · 7 answers · asked by Proud Mumma Lola 2

I just ran my credit report and I have some negative items that were opened over 7 years ago. How do I get them removed?

2007-12-05 04:53:20 · 3 answers · asked by Mic B 2

I HAVE A LOT OF SINGLE STAMPS BUT THE SCHOOL THAT ACCEPTS THEM WANTS THEM IN BOOK FORM. I NEED TO TRANSFER THE ONES I HAVE SO THAT I CAN FINISH PAYING FOR IT.

2007-12-05 04:52:16 · 1 answers · asked by Anonymous

2007-12-05 04:28:06 · 32 answers · asked by Purple Heart 1

Our credit dropped because we can t keep up and our other bills are being paid late.

2007-12-05 02:53:21 · 9 answers · asked by brentmainhart@sbcglobal.net 1

I want to get a credit card to do my Christmas shopping with. The card has a 19.8% APR and No Payments until June 2008. Will I be allowed to pay off the balance before June and not have any interest to pay on it?

2007-12-05 01:58:21 · 7 answers · asked by Anonymous

At times it is so hokie I have to laugh. They call, you say Hello, and here comes this obvious voice from India saying in horrible English. Dis EEz Bill.

2007-12-05 01:33:23 · 6 answers · asked by Anonymous

Yesterday my boyfriend and I went to carphone warehouse to upgrade his phone. The guy that served us was really pushy and was rushing through everything and not giving us a chance to think. He convinced my boyfriend to start a new contract. He put the credit check through and he said it would take a while. Whilst we were waiting I realised that he hadn't asked for our address but the guy said there system was all up to date and he had photocopied my boyfriend driving licence as ID so we assumed he had checked the address. The credit check passed and my boyfriend was just about to sign the contract but realised it had his old address on. The guy said that's ok we'll just credit check you again on your new address! I told him not to and explained that every time he credit checked us he was lowering our credit score and he just credit checked my boyfriend on an address that he didn't live at so really that is fraud! We didn't let him credit check us again.

What should I do now?

2007-12-04 22:37:40 · 7 answers · asked by SarahLou 5

I have several items on my credit report that the credit bureaus will not remove after I have submitted proof? How does a person take these credit bureaus to small claims court to recover damages and change (remove) bad items from the credit report? Do I need an expensive lawyer or can this be done by a layperson? What is the cost of this and I live in California, USA? Thanks

2007-12-04 22:36:36 · 3 answers · asked by ANTHONY99USA 1

i just think that if people go bankrupt they should still pay something towards there debt even if its a small amount. At the end of the day they got themself in that postion and should still pay at least something. Anyone agree or disagree?

2007-12-04 22:08:09 · 9 answers · asked by Anonymous

Type of Account : Revolving Credit Limit: $0
Term Duration: Terms Frequency: Monthly (due every month) Date Opened: 03/2005 Balance: $995
Date Reported: 10/2007 Amount Past Due: $329
Date of Last Payment: 08/2006 Actual Payment Amount: $0
Scheduled Paymnt Amnt: $36 Date of Last Activity:03/2006
Date Major Delinquency First Reported: 11/2006 Months Reviewed: 31
Charge Off Amount: $737 Deferred Payment Start Date:
Date Closed: Type of Loan: Secured Credit Card
Comments: Charged off account
I hav dis collection lady callin me all day,it seems like she's angry at me over the phone telling me dat they'll take legal action.I did try to pay it but they nver took it out of my account,iwaited 4 2 weeks 2 hav it taken out,now i used it to pay my rent.I tried to talk to her to make a scheduled payment but she didn't want it,it has to be upfront which was $780 which we agreed upon over da phone bcoz my debt was $995.00.

2007-12-04 22:03:16 · 2 answers · asked by rizell2004 2

I was watching breakfast tv this morning, and I was shocked to see the interest rates charged by stores compared to credit cards.Do you use store cards? I had one in the past but paid it off, then cut the card up.It would be so easy to get into a financial mess with these cards.The staff at the stores are always trying to get me to have one, but I refuse.Have you ever ran up huge debts with a store card? Did you manage to pay it off?

2007-12-04 19:11:58 · 13 answers · asked by CMH 6

I no longer have a renter and am concerned about my bills. I know enough to pay the most important first, i.e., mortgage, utilities, auto,etc. The key is that I am not sure I will be able to keep up with my credit cards. I only have two but they are large balances. One is American Express, $5800., and a Mastercard, $3000. What happens if I am unable to pay? I own my own condo and make mortgage payments and need to keep my car. Any sugestions.

2007-12-04 16:10:56 · 11 answers · asked by MARIE S 4

2007-12-04 15:40:12 · 4 answers · asked by momof3 1

I know this seems retarded.. I just got my first credit card, and paid for $100,00 worth of college classes on the card. I'm obviously going to pay the full amount back when I get my bill but..
HOW DO I PAY!?!?!
Do I send an envelope with cash in it?
I don't have a checking account..only a savings account..

2007-12-04 14:34:19 · 32 answers · asked by kim v 2

how do you check if someone uses your credit card and orders something online? do you have to go online and check?

2007-12-04 13:47:38 · 3 answers · asked by Boptimistic!!! 1

I don't have the greatest credit & have a couple credit card debts I want to get rid off. I received a letter for both of them today and if I can get them paid off by the end of the month, the debt will be removed from my credit report.
Is it possible to get approved for a small loan, maybe 2-3 thousand dollars with a less than perfect credit score?
I'm really eager to fix these stupid financial mistakes I made as a teenager...

Thanks!

2007-12-04 12:50:11 · 3 answers · asked by ? 4

I have tens of thousands of dollars in debts a vehicle repo and a recent hospital bill for eight thousand as i have no health care. or perhaps someone could give me advice on filing bankruptcy please, no smart aleck answers please

2007-12-04 10:11:47 · 5 answers · asked by Anonymous

2007-12-04 09:00:56 · 3 answers · asked by Larry C 1

I've been sent a court summons notifying me I am being sued by Capital One. I've been told I need to send a letter, an "answer to complaint". I have no idea as to how to write one, or what should be included. I'm not willing to pay this company anything I don't have to, as they've repeatedly tampered with my credit history, and refused to send me any proper documentation accounting for what I supposedly owe.

2007-12-04 07:15:19 · 7 answers · asked by Laura M 2

2007-12-04 06:49:33 · 10 answers · asked by Anonymous

Card A has a $35 annual fee and a simple interest of 16%, (APR is determined by appliying the Interest rate to the average monthly balance, card B has no annual fee but 18% Interest rate.
If i carry $3000 balance each month for a year, How much can I save with the better card?

Thanks everyone

2007-12-04 05:48:12 · 3 answers · asked by Anonymous