 DEBT: I owe $8879 how should I pay it off??? |
| Student Loan: $2625, Best Buy Card: $2029, Old Mastercard: $2871, Old car loan: $1090(it was reposed and this is what they want from me b/c it didn't get full value at auction), Hospital Bill: $2... |
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 Capital one credit card? |
ok i have a question for people who have capital one and have went through the same thing, or even better yet, someone who works there.
me and my husband have awful credit, well capital ... |
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 Credit card limit? |
| if you have reached your credit limit ..but use the card again..will the transaction go through?... |
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 My credit card company has charged me £12 late payment fee even although I sent the cheque in plenty of time. |
| When I called them to complain they claimed the payment had now been received but due to the christmas post and the days the bank was closed over the festive period that my payment had been delayed ... |
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 Credit Score, Good/Bad? |
| Ok I have one credit card with a limit of $500. I've had it since February 2007 and have been paying off bills fully and early every month. My credit score shows 723. Is this good/bad/alright?... |
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 Credit card question? |
| I currently have a credit card that was always paid on time, I sent money last month and there saying they never recived it and is asking for 200 in overlimit charges. They have always had high ... |
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 Im getting married soon and desperatly need a loan, got real bad credit, and bank refused, any ideas?? |
Additional Details
ok so for all u pple giving me stick about getting married when financis are no good, 5 years ago, after a divorce and death of my baby i suffered a nervous break ... |
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 I would like to get a credit card? |
| I'm a full time college student and would like to start earning credit for later in life. I don't have any student loans that will earn credit (have a full ride). My sister mentioned ... |
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 Does marriage effect good credit? |
| I have great credit, my boyfriend on the other hand has very bad credit. We have been talking marriage for quite some time now and always just thought that with the current situation we would use my ... |
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 I work,i have a mortgage, i have a car bought on hire purchase,Bank loan,so why wouldnt Currys give me credit? |
hello, i went to Currys electric store to buy some goods on credit (TV, fridge), did the hp check & it refused me credit.
does currys have their own credit rating?
i have never been ... |
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 I have no credit and i need to get a personal loan quick!!? |
i have no co-signer and i need a loan
i haven`t started a line of credit yet!
and i don`t want a credit card!... |
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michelle y | Does paying utilities late affect credit rating? |
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rich61969
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NO IT DOESN'T. I don't know why there are so many people here answering yes. You don't have to do a credit application for utilities and you are not applying for a loan. You may have to put down a deposit to have the utility started but you credit score is not checked to see if you qualify for electricity or other basic utilities. Credit card, bank loan, mortgage, and other such payments can be reported to the credit bureaus as 30, 60, 90, and 120+ days late which does affect your credit score. This is not the case with utilities. However, if you do not pay the utility bill and the service is permanently disconnected, the utility company can have the unpaid balance listed with a collection agency which can be reported on your credit report. This would be listed as a collection and will affect your credit score. So, you can be late on your utility bill without affecting your credit rating, but make sure you pay it before it is permanently disconnected and assigned to collections. |
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pharm937
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It will impact your credit rating ONLY if the utility reports it to the credit reporting agencies. That usually doesn't happen unless you are consistently late or get sent to a collection agency. |
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mzteajae
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Yes it does. |
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uncle billy
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yes |
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eriknba
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not if its accidental. if u consistantly pay your bills late, and you get warnings of past due accounts, then yes, this will affect your credit rating |
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le_roche
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Yes, especially if there's a history of lates and the utility company has to go to collection to recover what they're due. This is especially true if your utilities are the only established credit you have. |
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♥ Due 09-03-09 ♥
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yes!! |
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Your Best Fiend
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It can. |
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Joe Cool
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I doubt a week late or once, perhaps twice will not, but after that the damage could be electrifying. |
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Medical and Business Information
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Most of the time the utility companies only go to the collection agency when you have an outstanding bill and they have cut you off. Other than that most of the time they don't go to the credit agency. |
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gene g
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yes specially electrical bills but most of people with bad credit will always default on cable tv, satellite and cell phones |
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kny390
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yes |
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Mommyk232
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Certainly |
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rwilson1684
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yes i know because my credit stinks! |
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