 Collection Laws? |
My brother has a debt from 1996. He has recently been contacted by a collections agency saying that they have been granted a 10 year extension to collect this debt.
They have been very ... |
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 What is the best way to get great credit with credit cards? |
| i want to know how much should i spend on each credit and should i pay off completly or should i leave a few dollars on i heard that you should use 30% on each then pay off each month but leave 5 10 ... |
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 Garnishing wages? For a car repossession at 16? |
| When I was 16 (not knowing what credit was and how it could affect me), I signed a contract with a bank for a loan with a co-signer who also got a loan for a car. The car got repo'd and now at ... |
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 How much do I have to owe to go bankrupt? |
I make around $33,000 a year. I owe around $60,000, is this enough debt to go bankrupt?
Additional Details
Is Credit Solutions a non-profit organization?... |
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 Can someone help me with this please :)? |
i'm trying to make a sign for my store that if you purchase something over 1000 dollars then you get to finance it and i want something along the lines of:
"get this look for ... |
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 What is the physical difference between a credit card and a debit card? |
Is it true that you do not need the pin and the password to use the debit card.
please help me on this?... |
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 Using someone's credit card after they pass away? |
| My mom is a signer on my step dad's credit card. My step dad passed away and my mom is still using his card. She plans on using it and not paying, counting on the fact that it doesn't ... |
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 Credit Report? |
| I need to pay all the debt off of my credit report. Is there any certain way to go about it, other than to just go to the businesses and pay it?? And after its all paid off, how long will it take for ... |
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 If you never use your credit card, can you still be charged a fee? |
| I am a college student and would like to apply for a credit card to start building my own line of credit, to be honest i dont plan on using it at all, just for emergency type of thing. But if i do ... |
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 Credit reports? |
whats a website that i can get a free credit report right away and one that won't hurt my credit by checking, i want to try and get a new car tomorrow. HELP PLEASE!
Additional Details<... |
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 How can I raise my credit score 50-100 pts in 6 months? |
| I had became ill and thus, went through some financial hardships....so, please don't judge. my credit got messed up. I would like it to go up 50 to 100 pts in 6 months. is this possible? and if ... |
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 About to marry into some credit problems.? |
| I may be getting married to someone who has at least 13,000 dollars in credit card debt. His first finace was to blame (or so he says) but the point is, the debt is there. I feel like I'm going ... |
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 What credit card can I get with bad credit? Any luck??? |
Hi,
I have like extremly trashed credit from back when I was 18. I am 23 and basically didnt care when I turned 18 and now regreting it. I am VERY good with money and responsible. I ... |
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 Does it help your credit to pay your credit cards off and never use them again? |
| I managed to make some credit card debt trying to raise 2 teens by myself w/ no child support. They have moved out and now I am paying off the debt and have very small balances on the cards like $101... |
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bruce_eel | Credit card offers...is it safe to toss the entire envelope into the trash? |
I get them in the mail every day. Sometimes I let them accumulate and then end up opening up every single one so i can rip them up and throw them away. Is it safe just to toss it away without ripping it up? I'm paranoid about identity theft. |
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VT
 |
No, it is not safe to just toss them out, for exactly the reason you mention: identity theft. A credit card application does not have enough information on it to steal your identity, but if someone DOES have the rest of the info, all they have to do is fill out this official-looking application and the bank might accept it.
Solutions:
1. Get a cross-cut shredder and shred any financial application or courtesy check having your name and account number on it. If you're employed and it doesn't violate company policy, ask to use the shredder at work.
2. Opt out of pre-approved/pre-screened credit card applications: See the link below. It's endorsed by The US Federal Trade Commission. Call 1.888.5 OPT OUT or 1.888.567.8688 and follow directions. Your opt opt choice will be posted on your credit reports.
3. Call the company that sent you the pre-approved application and politely say, "I want you to remove my name from your lists." Have the application blank in hand.
4. Read the Privacy Policy on every firm you have an account with. Follow directions and take action to get your name off lists so that it won't be sold or abused.
Not a solution: taking everything in the application envelope, stuffing it in the postage paid envelope and mailing it. Feels good, but doesn't get you off the list. |
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♥Idon'tknowanymore♥
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I always shred mine. Definitely rip them up to be safe. |
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DAVE
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shred them first... if you don't have a shredder cross out your personal info with a marker. |
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sexytrojan
 |
Smart, Bruce.
While there is little chance that anyone can steal your identity with a credit card offer, there is still a chance.
If you can't invest in a small home shredder, put all of the offers in a plastic grocery bag and add bleach. Let it sit until the papers are ruined.
Or take them to work and shred them there.
You should do this with bank statements, credit card bills (which have your entire card number), and utility bills. |
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Chad L
 |
Yes, though it would be smart to buy a shredder.. |
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lisa s
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Shreader ................ $18.95 walmart
.
Treatment for paranoia........... $25 bucks a month copayment with your insurance covering the rest!
saving yourself the hassle of being a victim of idenity theft.........PRICELESS!
GET THE SHREADER! |
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Former Banker
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Always destroy the credit card offer inserts, especially with your name on it. |
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websterjdjr
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these are all form letters that they send out to mailing lists none of these letters contains any info that pertains to you ,they got your address out of a city directory and sent you a form letter to you and a lots of folk. The city directory is very helpful for mailers..it provides a list of homeowners so that renters cannot be mailed the same form if thats prefered..skip tracers use city directorys to find folks thats changed address..sometimes old collections can be made using city directorys and new contact numbers can be had as well.Someone probably ran a list of homeowners in your area and you were among them...thats how you got the letter...they know nothing about your privacy |
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rorlegion
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I rip the envelope (with stuff inside) in half and throw it in the trash. |
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