 The collection agency called my son and when he asked for an address to write them, they refused.? |
| My son wanted to mailed the collection agency a settlement offer and the company said they can't give out the address without a verbal agreement to pay the debt. They wanted an electronic ... |
|
 Credit repair? United Credit Association? |
| Has anyone heard of United Credit Association? They are a credit repair agency. I want to know if those agencies are legal and if they really can repair your credit. My realtor recommended it to me ... |
|
 Can I use SBI DEBIT CARD for online payment in india? |
| means can I buy anything like watch, t-shirt, jeans etc. online using sbi debit ... |
|
 My boss ran my credit without my permission? |
| I just found out that my current boss ran my credit report without my permission after I specifically told him not to. They lied to me to get my SSN and then ran it. My credit score is not good to ... |
|
 Free Credit Report Not Free-Stay away and check credit cards!!!? |
| Just found out my Discover card has been charged 25 a month for FOUR years because I used Free Credit Report.com. Seems I was automatically enrolled through CIC. I knew about a 10 dollar a month ... |
|
 Credit card debt question options? |
| I have maxed one of my credit cards ($2000). I work full time so I can pay it back over time, but the thought of having that debt on my credit card scares me a little. The minimum payments are $25 ... |
|
 Bad credit help!! experiences expertise please. process of a loan and is comfused!?!? |
| Hello fellow members, I am actually looking through this one company www.eastpointlending.com trying to get a personal loan and I have been working with one of the consultant. I have gone over the ... |
|
 Credit Cards? |
| I owe two credit cards and they are about 1400 each there is one that charges more interest than the other one. So my question should I pay them equally or pay more money to the one that has the ... |
|
 Will this fix my credit? |
| I am 19 years old and just recently checked my credit score. I have nothing on it except one colection agency balance. It is a balance I owe from 6/1/2004 for $125. My credit score is very low 568. W... |
|
 I want to get a mortgage but been refused as i dont have credit? |
| i would like to get a mortgage but i have been refused due to bad credit - i have 1 default thats it! my problem is im trying to build a credit rating for myself as i dont have 1 im only 19! are ... |
|
 Where on the back of my credit card do I sign? |
| I just got my new Visa credit card in the mail...and I'm wondering if I have to sign the back of it or anything since in part of my mail it says "sign the back of credit card to verify"... |
|
 Credit card minimum purchases? |
| Two stores where I live have signs up that say they won't accept a credit card purchase if amount is under 3.00. Is this legal? This is Alabama.... |
|
 Credit Collections - Who Do I Pay? Collector Or Creditor? |
| I was involved in a hit and run motorcycle accident, I was hit by another bike while riding mine. Now I have 2 collections medical bills that made it's way onto my credit report that I refused ... |
|
 I have bad credit!? |
| i dont know my score but it isnt good, at all! what can i do to start repairing this? i am already paying off debits, i have 3 of 5 paid off, but that alone work, what else should i do? i was ... |
|
 What's the best way to pull yourself out of a huge amount of credit card debt? |
| Let's just say your buried, and your not able to pay more than the minimum every month...is there a better way?... |
|
 My nephew is letting his house go into foreclosure as his payment is adjusting and he can no longer afford it. |
| My question is can the mortgage co. come after him later for the difference in what is owed and what they sell it for. PLEASE answer as soon as possible.... |
|
|  |
tennisnerd11 | Credit ratings? |
I have excellent payment histories on my rent, my car (a lease), and am generally good with my finances. I don't carry any debt outside of my reasonable student loan. I only have one credit card and I only use it for small purchases that I pay off in full usually on time. My question is, a couple of times I have been a few days late making my credit card payment, although I either pay in full or at least half of the balance, depending on how much is owed. Do these infrequent late payments (a week at most) affect my credit score and how much? |
 |
 
TC
|
No they won't affect your credit score. Late payments are reported when they are 30 days or more late. You should get your report to find out. You will see lay payments reported as 30days, 60 days and 90 days or more.
Payments late but less than 30 days will cost you a late payment penalty from you credit card company and will probably drive your credit card interest up but nothing on your credit report or fico score.
Others disagree but I suggest you get a credit report to see for yourself. You can get a free report once a year from
www.annualcreditreport.com |
|
easy tigerâ„¢
|
Yes, they do, they will also affect your interest rate. |
|
farran abat
|
Have you ever thought about how many people in our country don't have a perfect credit score? You will surely be surprised to know that over 30 million Americans have a below average credit score. Boosting your credit rating takes some work. There is no quick fix to increasing your ratings. Repairing any damage takes time, but it also does not spell doom!
So what is credit rating anyways? It is a number given to assess and reflect your creditworthiness. Your credit score will be a number valued from 300 to 850. While numerous factors can be attributed towards this rating, your payment and debt history are more important than others.
To start with, you shall need a copy of your credit report. If everything in the reports is good, then you can be rest assured that you will have a good credit score. Getting your credit reports is easy and pain free. read more about it at: http://www.credit-card-gallery.com/article/196,Increasing_Your_Credit_Rating |
|
Marusia
 |
My sister called her card and asked the same thing. The only thing is you have to pay the late charge, and after being 30 days late, you get it on your credit score. |
|
beauty s
 |
I don't think so its at lest 30 days late it may effect your credit |
|
itme
|
I think it will appear on your credit report as a late payment and that not good. The creditors might take a point off your credit report. If you want to apply for something new that consist of checking your credit report it might read up you been paying your bills late. YOu been doing good so far don't mess up |
|
Puppy Zwolle
 |
Yes but not seriously.
Besides, do you have any idea what it costs you to owe a credit card company money? Pay them as soon as you can, not just what you have to pay but all of it. |
|
in +HIM+
|
You are not reported as late to the credit bureau until you are 30 days late. Then your score starts to suffer greatly.
Be aware of the Universal Default Law, though. It is a law that was recently passed that states if you are late on an account payment, another creditor that you owe reserves the right not only to know when that happens, but also to raise your interest rate as a result.
For example, if I'm late paying my Discover card, my Visa card has the right to confirm w/ Discover that I was late and thus raise the interest rate of my Visa.
Just stay on top of things! |
|
Cat K
|
No they dont, your credit rating will only be affected if the credit card company report you to Baycorp, it takes much more than a few late payments to do this. Check out www.mycreditfile.com.au for a free credit file on you
Hope this helps |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
6 | 28 minutes(s) ago
| | | |
9 | 33 minutes(s) ago
| | | |
9 | 2 hour(s) ago
| | | |
9 | 4 hour(s) ago
| | | |
6 | 7 hour(s) ago
| | | |
7 | 8 hour(s) ago
| | | |
9 | 11 hour(s) ago
| | | |
9 | 1 day(s) ago
| | | |
9 | 3 day(s) ago
| | | |
9 | 1 week(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
