 A bill collector is taking me to court for a credit card bill that is at least 7 years old. Do I have to go? |
| They have filed a complaint with my local magistrate, and they are asking for over $4000 which is the amount that has accumulated over the years in late fees and interest. I don't feel I should ... |
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 Help with paid off debt... 7 years? |
| I had debt that dated back to 2000 (date opened) and have recently paid it all off, this year. Will the negative debt records clear 7 years after the open date or 7 years after I have paid off the ... |
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 What are the laws for collection agencies to collect debt from people that was from 2yrs ago and harrassment? |
| They also mentions that they would make a note that my sister will bw non negoitable, which means what? What steps can I take to have them stop harrassing me?... |
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 Do people that quote Dave Ramsey like the bible annoy you? |
Additional Details
If we wanted to hear from Dave Ramsey we could just order his products, am I right?... |
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 Cleaning up my credit report? |
| I have 3 charge offs on my credit report, the debt just under $1500 total and over 5 years old and from what I gather the statue of limitation has expired on them (is that the right wording?) but I ... |
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 If my sister is financing a car and i want to take over payments whos credit report does it go on??? HELP!!? |
| If my sister is financing a truck and i buy the truck from her, so i'm taking over payments, does it get transferd to my credit report or does the vechile stay on hers?... |
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 Credit card issuer cancel my card due to inactivity of the card use, will this impacts my credit score? |
| I got notification from credit card issuer that my credit card was canceled due to inactivity. I have not use the card for more than a year. I would like to know if this cacelation will have impact ... |
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 My brother is looking into filing bankruptcy, is that bad? |
| My brother has over 97,000 dollars in personal student loans, plus 60,000 in credit card debt, all accrued during college. All his debt was due to him paying for studnt supplies, tuition ect. He now ... |
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 Does anyone have an opinion about those debt eliminating companies? They reduce 60% of your debt in 3 years.? |
Additional Details
Apparently, you open a bank account, don't pay the credit card companies for 3-4 months but send payments to your account to build up enough money for them to ... |
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 How do I raise my credit score? |
| So as a teen I screwed up some, landing me 3k in debt and boasting a score of 580 :( :( so im 22 now and I really wanna fix this. what do I do?... |
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 Are my Credit Cards being fair?? |
| I just called to ask my credit card companies to lower my interest rate, and they said they can't do that until I get back into my limit. I am only 200 dollars over my limit on both, and my debt ... |
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 Fiancial Advice for someone who is in big trouble. What should my friend do? |
| My friend's parents are in debt 2 Million dollars because of some bad investments. They are trying to pay the mortgage on their home. The mortgage is 10k per month. The husband just lost his ... |
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 Is it legal for credit card companies to increase interest to 34.9%? |
| queried why payments were increased and was told interest rate was increased by 10%.... |
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 I have POOR credit and need help? |
| I have POOR credit, and a small debt. Because of my credit I can't get a loan, and because the debt is small I can't do consolidation. Is there any other offers I could take advantage of?... |
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 Can someone check my credit without my social security number? |
| I am applying to rent an apartment and the advertisement said that there was a credit check. The application doesn't ask for my social security number. There is no application or credit check ... |
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| Debt recovery? |
| My son has left home owing monies to a major credit card company..his address for this debt is my own and my wifes. we do not have any contact with our son as he just got up and left with no contact ... |
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 Do I have too many cards open that may be hurting more credit score? |
| I have 2 credit cards that are activeted and1 that is not activated. The first card was activated 07/07. The 2nd 09/07 and the 3trd one is open (againts my wises) but not activated 10/07. I also have ... |
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Tygirljojo | Best next credit card? (AmEx VS. Capital1)? |
Okay, so I made some mistakes when I turned 18, you know, like getting 5 different credit cards and maxing them out. I've actually paid all my balances down (including paying off 3 of those credit cards) and am almost all done (I will be "debt free" next March). However, I also understand how the Fico score works. I realize Fico is about the be replaced by the new system, but from the sounds of it, same basis for scoring.
Anyway, so now I'm looking to get a new credit card to keep my score up. I'm debating between Capitol One & American Express. My reasons for those two are because of recommendations from people who have been where I am and from the sounds of it, they're both good credit card companies (I know, kind of an oxymoron, but you get the idea). Strong insights and thoughts would be greatly appreciated. |
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Bre
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I have capitol one...it is accepted at more places than american express is. I have been on time with all of my payments and they have increased my credit limit a few times in the past couple years (which is good for your score...debt vs amt of credit). You can always call them every six months or so and ask them to lower your interest rate if you think it is too high, they are usually pretty good about that depending on your relationship with them...just remember, don't ever get a card with an annual fee! It just doesn't make any sense! Also remember that you can talk them into reversing any fees or really anything you want...they want you as a customer and never want to lose your business!! keep that in mind!!! |
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Mark W
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Either one is smart to keep for their own reasons. AMEX will help repair your credit faster, due to needing to make immediate payments.
Just never get a CITI bank card. They block it every 48 hours to prevent fraud, then you must call them to get it reinstated, or wait until they call you at 8 am to ask you the previous 5 purchases that may have been made by yourself or your spouse. If you do not know the answers, card is shut off. Just as they discriminate against military personnel that must move often and will not allow them an active card unless they have proof of residence for the past year. |
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Tired of lies
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American Express, Everything that capitol one promises as for as a payment protection plans and certain promotions and interests is not always factual. Purchase a pre-paid credit card and pay as you buy. Prior to receiving any other credit card, check all of the fine print. |
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echo
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You didn't mention your scores or if the negatives would still be a big factor.
Amex would be better by far than Cap One. Cap One will do nothing but hurt your scores since they do not report your credit limit only your high balance. I'd recommend staying away from Cap One.
Other prime cards you might consider is Bank of America, Juniper/Barclays or Chase.
Bank of America does have a card selector on their site that will not pull a hard inquiry for a recommendation. It will pull a hard if you apply for the card.
Juniper has some great partner rewards cards that you might look over. US Airways is like Cap One where it does not report the credit limit. That's the only one out of the group that I've heard that doesn't report the limit.
Yes, they are talking about replacing Fico, but so far it hasn't made it passed the 'talk about it' phase.
I'm including a link to the Juniper Partners site in case you are interested. |
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catgirl1115
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I have had Capitol One for years and I've never had any problems. |
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shadaisy35
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capital one is the best..low interest rates and best of all you get to talk person to person when a problem arises.. |
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Koray
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You have to check this cards web page, they have different cards with different promotion, chose tho one most fit your spending to earn more credibilty. |
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dreamscorporation
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the only way to Reduce Credit Card Debt is by consolidating your bills into a monthly payment, this is called debt consolidation.
if someone wants to get out of debt today it is pretty easy with a debt consolidation plan
however it may get a bit tricky at times, I suggest you get as much information as possible online on this first,
a good place to start in my humble opinion is an online ebook :
you can read it for free at:
http://umgarticles.atspace.com/debt-consolidation.htm |
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First Lady
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Well, with American Express, you don't have to worry about maxing it out since you have to pay off the balance each month. |
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