Credit - December 2007

Going through a divorce...wife made a 300 dollar purchase on mjy credit card in my name. Is this legal? She took my credit card from my wallet

2007-12-24 09:00:20 · 5 answers · asked by Javi 5

I am now 27 years old, I have owed probably about 6 companies a total of mabe 6-8 thousnad dollars since I have been 18-19. I went online and checked my credit report and I saw that all of my old debts are not on there. the only debt is a lawfirm that is suing me for, $2500.00 My dad said "after a certain amount of time they will be written off". What the hell is a write off and what really happened to my $8000.00 in debt??
and can i still file bankruptcy because that is what I really want to do>

Thanks everybody and have a safe holidy season!

2007-12-24 08:50:54 · 5 answers · asked by Anonymous

I am a college student trying to establish credit and build my credit score. I just applied for an Express (the fashion store) credit card online. I did not get approved instantly. Instead, I got a message on my screen saying that my application is under review and I would be notified in 7 to 10 days. Do I still have a shot at being approved? Or is this the "nice way" of saying that I didn't get approved?

Please help. I really want to start building my credit, but I can't get a credit card at any store because I don't have any credit.
:(

2007-12-24 08:01:06 · 5 answers · asked by BreANda BO 2

2007-12-24 07:55:33 · 3 answers · asked by Steve A 1

i signed up on the site they sent me a cashier's check for 4,880 ($500 for my efforts, $50 for walmart, $40 for gap, $2700 western union transfer*$140 charge, $1400 moneygram trasfer *$50 charge) I called they said when the check clears then i begin the shopping and i have 5 copies of this customer evalution papers that i have to fax to them with receipt anyways i heard some of these are scams but i don't have to send the money orders until the check is 100%in my bank account . you think there is still a way i can get scammed? I am not doing any money order if the money is not in my account.

2007-12-24 06:22:35 · 11 answers · asked by Anonymous

Do the mortgage bankers make a base pay or straight commission? Additinally, do personl bankers make a base pay or straight commission. I know base pays usually include additional incentive for commission.

2007-12-24 04:55:38 · 2 answers · asked by Anonymous

a questionable collections attorney threatened to garnish my wages and said that i would lose my job

2007-12-24 03:55:12 · 7 answers · asked by Anonymous

2007-12-24 01:29:34 · 13 answers · asked by munamazen 1

I have been working my butt off to try to find a good credit card with high rewards.

Surprisingly it's tough to find a good one to use toward a car rebate; apparently car manufacturers have been staying away from or abandoning that trend. It seems like a great idea though -- the only way the person would use the points would be if the person buys one of their cars. Quite a good deal I would think, but they don't seem to agree.

So what is out there? I know we can use a GM card to save a little on a GM car, but the amount we may use varies from vehicle to vehicle and typically seems like a small allowable amount. Perhaps we might as well forget the whole thing and buy a Honda every 5-10 years or so?

2007-12-23 23:06:33 · 4 answers · asked by Robert B 5

Yeah, my daughter recieved a gift from a relative, but it's not something she wanted. Anyway, I'm going to try and return it, but unfortunately we don't have a gift receipt and I don't want to ask for one. I know I cannot get a cash return, but will I even be able to get in store credit if I don't have a receipt?

2007-12-23 22:00:26 · 5 answers · asked by No name 1

I was at a club on Saturday and paid for my drinks with a tab totally around 30 some dollars. However, I check my account today and this place took out $100.00 in a separate transaction which I did not authorize whatsoever! Its Christmas Eve so I am not sure how quickly I can resolve this, but I am so nervous they are going to not believe me and I am beyond upset since $100 to me is a lot of money.

2007-12-23 20:15:40 · 5 answers · asked by Anonymous

Do you take $11,000 / 60 ???

2007-12-23 15:34:55 · 10 answers · asked by caseelaine 2

I want a credit card with a good balance tranfer offer. Six months at 0% will do fine.

It might be nice for it to be otherwise a good credit card too because I might pay the balance off in about a month and still want to use the credit card.

I already have a Amazon credit card with Chase so I think I need to use a different bank.

2007-12-23 15:00:12 · 3 answers · asked by Robert B 5

Okay, When I moved in to my apartment I had a fico of 785. I since have PAID OFF all of my student loans, and all other debts execept my car payment which has never been even a minute late. I did miss two phone bill payments by two weeks each, but that is only think I can think of. Could this have dropped my score from pretty much okay down to 725? Anybody?

2007-12-23 14:27:36 · 8 answers · asked by Liz 7

2007-12-23 14:25:37 · 4 answers · asked by jill b 1

I owe $5,000 on 1 credit card and probably paid $7,000 in interest and fees over the years but still carry nearly the same balance at a high interest rate - makes it hard to pay off. Ideas? Tricks? Tips?

2007-12-23 12:23:06 · 8 answers · asked by Mark W 1

I am 19 years old, i have a credit score of 702, and i make about 1500 a month but i get paid in cash. I can make a 5% down payment. Can i get a home loan for 40,000 to 50,000?

2007-12-23 09:08:24 · 7 answers · asked by antioneitis 2

2007-12-23 09:04:40 · 9 answers · asked by Anonymous

Your credit card company marks your credit card as "lost or stolen" just because you are using it in a different town than you live, resulting in you being denied use of your card in front of your associates?

Bank of America does this ALL THE TIME and it's starting to really PISS ME OFF! Hello! I travel and I use a credit card when I do so. Also, most theives are not going to use the card to buy $20 meal and small purchase of gas -- they're going to make a HUGE purchase (or ATM) and then ditch the cards.

Anyone else experienced this BS from BOA?

2007-12-23 09:01:18 · 5 answers · asked by Anonymous

(My credit score is between 550 - 575

2007-12-23 08:31:02 · 3 answers · asked by Anonymous

Credit or Debit Card???

2007-12-23 08:11:56 · 2 answers · asked by Anonymous

2007-12-23 07:11:21 · 6 answers · asked by tall_slimm 2

A relative of mine has stopped paying his various credit cards. He owes over $10,000 and has reached a point he can no longer afford to pay even the minimum payment on his cards so has decided to just stop paying. His reply is, "man what are they going to do, I am a small fry and they can not send me to debtors prison"

What will really happen to him and have you ever stopped paying on your credit cards?

2007-12-23 06:54:58 · 11 answers · asked by Anonymous

I woke this morning and had 4 e-mails from western union saying my profile had been changed I needed to call for my transaction and that the transaction had been declined. I called them and they said the money was trying to be sent to someone I dont know many states away for $81. It was declined and I closed my Western Union account but I was still concerned. They gave me the last 4 digits of the credit card that was tried to use and I don't have 1 with these numbers. I quick checked my free credit report and there wasn't anything fishy with that. Could have this been some sort of mix up with someone with the same name as me?

2007-12-23 05:47:16 · 3 answers · asked by tbuck15 1

my dad uses his a lot, does that impact your credit history in a good way? he doesnt have / never had a credit card.

2007-12-23 05:20:48 · 10 answers · asked by ¤AFTERN00N L0VAH¤ 2

2007-12-23 00:19:08 · 4 answers · asked by jerry9012002 1

Basically, I'm a full time college student with expenses drowning me. Right now I owe $273.00. I also have the method of paying the minimum of $15.00.

I'm sure I wont be able to pay $273.00 right now, and the most I can rake up is $200.00 before the due date.

-- Is this good?
-- What will happen if I only pay $200.00?
-- What happens if I pay the minimum of $15.00?
-- If I pay $200.00, will the leftover $73.00 that I owe be interested?

Please help

2007-12-22 20:15:11 · 5 answers · asked by WOOOT 2

I've been trying to pay off this loan for ages. When called to see if I could eliminate the debt by lower settlement paid in full immediately, I was told "we never settle." When I asked why I simply received the answer, "because we're the government." No other suggestions given. Only told I need to pay off all debt including all interest accrued and its okay to just pay the interest every month. My response, "great another 20 years paying the interest and never touching the principal." She agreed, apologized, and said, "good luck." This doesn't sit well with me. There's got to be some way to negotiate or find another option. Please advise. Thank you!

2007-12-22 17:44:57 · 4 answers · asked by No money blues 1

Im thinking of getting a Nordstrom's Visa Signature Credit Card, but I was wondering if I can get an additional card for my daughter? And also, do they allow balance transfers from a different credit card? It doesn't state it in the application, or anywhere on the website! I was wondering if any of you have been through the process! I appreciate your help. Thanks!

2007-12-22 17:44:27 · 3 answers · asked by Anonymous

i already tried target and bank of america

2007-12-22 16:13:38 · 13 answers · asked by Smashizzle 3