 Can I get a credit card if im under 18? |
Is there any credit card I can get if I'm under 18?
$0 annual fee.
Thanks.... |
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 Need help applying for a credit card? |
I am a college student and am considering getting my first credit card now. Is there any way to guarantee a credit approval?
I get financial aid paying for my college tuition. I work part-time ... |
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 What happens if you are 1 day late on your credit card payment? |
| Does it get reported to the credit agencies (equifax/transunion/experian)? I also had other late payments in the past for 1-2 days...but never over 90 days.....i'd say i'd been late about 3... |
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 Has anyone ever heard of north point lending services they asked me to send money for a loan??? |
| This comapny with this phone number 888-813-5726 told me i was approved for a loan of 20,000 and that they deal with bank of amercia but that my credit was bad and they have a private lender and i ... |
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| Capital One is killing my credit for no reason? |
| I have never hard or applied for a CapitalOne credit card - as a mater of fact, I don't even use a credit card but yet since Dec 12/12/2004, CapitalOne has requested/accessed my credit report ... |
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 Can collections agents call your relatives? |
A person representing Wells Fargo contacted my dad when she was unable to reach me. I am wondering what his rights are as far as being able to tell the person to not call him again.
Additional D... |
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 Capital one credit card? |
| I recieved another credit card offer from Capital One, I usally tear them up and throw them away. But this time I thought it would be a good idea to try it out because I want to get my credit started.... |
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 Can you help me get out of my massive credit card debt? |
| I have about 7500 in credit card debt. I know this may not seem like a lot to some people, but I'm only 24 and I bought a truck that I probably shouldn't have and the payments on that are ... |
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 How long can creditors go after you for an unpaid debt? |
| My boyfriend got a letter from credit card that he owed money from 8 or 9 years ago. I have the same credit card, and I am worried if we were to join finances like we talked about that the company ... |
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 Question about credit cards...please read!!? |
| My husband and I were in a lot of credit card debt, about 11,000 dollars. We recently acquired some money and are able to pay off all of our credit card debt. We have three cards; my husband wants ... |
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 How far can a collection agency go to collect a debt? |
I lost all , have no assets, and am being sued by collection agencies. No job and on disability. can they attach my account ??
Additional Details
no house,job,assets, on disability. debt ... |
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 Keep 'em open or close them? |
| I got into some financial trouble in 2002, and ended up declaring bankruptcy in 2004. Ever since then I've tried to manage my debts carefully, build up my credit (it's at about 660-670 now)... |
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 Does any one know if getting a "pre-approved" credit card is noted as an inquiry on your credit report? |
| I keep receiving promotions for "pre-approved" credits cards and I don't want to open a new credit card if it is going to show an inquiry. To my knowledge(which is limited in this ... |
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sureenay | For those who have stopped paying credit card bills, what have the collection agencies done to you? |
Please, any help is appreciated. And only answer if you have experience with this, thank you :) |
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Dont_taze_me_bro
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After the guy parked his car in my yard - not on the driveway - he beat on the door for 5 minutes and scared my kids to death. I tried calling the police, but my phone was already cut off last week. My cell phone has been dead for month's, so I did not try it. I asked him, through the screen door, to leave, but he refused. I asked him what he wanted and he just kept screaming "THE MONEY". My kids were under the kitchen table, sobbing.
Fortunately, my neighbor came over and "suggested" the guy leave. He then told me to be prepared for huge legal battle as he was on his way to the courthouse. I never answered the subpoenas, so I learned months later that the garnishments would leave me with $21 per week to feed four children.
I guess I should of paid Citibank the money I owed them. |
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Precious H
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They will take you to court and get a judgment against you. That looks really bad on your credit, especially since you more than likely won't be able to pay it off. It ruins your credit. You might not care about it now; I didn't. I was 21 and just had a baby with health problems, had 4 year old child, a $900.00 electric bill, our car got repo'd AND our house was being foreclosed on. But now I'm 28, remarried and would like to buy another house and I can't be on the loan because of my credit. And the car and house weren't even in my name. Your credit DOES matter, even if you're poor. It can affect alot of things, even getting hired at a good job or where you can live.
They are also very pushy and very rude. The lady told me, "I don't think you want your credit ruined for the next 7 years." I said, and I quote:
"B!thc, I've got a one month old baby on a heart monitor, a 4 year old, a $900.00 electric bill that they are going to cut off my heat in FEBRUARY, our truck got repossessed and they are foreclosing on my house. If you want your money, you can get in f_cking line."
Oh, and by the way... if the collection agency is NCO, I feel very sorry for you. They will NOT work with you, they are pushy, rude, they lie, they misrepresent themselves. One guy tried to get my husband to give him my bank account information over the phone to pay on my husband's account after I already said no! And he didn't let up. After a half hour I took the phone and hung it up. NCO was fined the most money of any collection agency EVER for their collection practices about 2 years ago. They have also changed their company name like 4 times. |
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Peachy
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Well, due to severe difficulties, there have been some months when we haven't been able to pay. Usually if you call them and explain the situation they have a department that can work something out with you. If they don't and won't, there's always CCCS, but you have to check them out with your local BBB first to make sure they're legitimate. We found in our experience that we could make pretty much the same arrangements with them ourselves that they would do through CCCS.
Don't ignore them, though, because they can sue you for the debt and it only gets worse then, plus you'll end up paying their court costs.
If you don't own your house or have anything *big* to lose or a house to buy in the near future, I'd possibly look into bankruptcy. |
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Penelopebabi
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call o over and over.. if u got a cell phone or houe phone in ur name.. they can look all that crap up and call u to harrass u as well... as early as 7am when everthey please.. rude people they dont kare., |
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Bozo C
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I fought and won! You can too. Consider it a war. When sued, answer the summons. Fight fight fight Don't give in. If more people fought these bottom feeder bill collectors, people would be better off. |
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visvardis
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took me to court won a judgement against me jacked up my credit rating unable to get a mortgage or personal loan |
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Joe B.
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They will take you to court and attach your wages - meaning your employer is required to give them all or part of your paycheck - whatever is specified by the court. |
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Forrest c
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They will send a lot of letters. Eventually cancel your card. Credit rating will go down. |
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queen b
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paid all by settlement, shouldn't have because back then i didn't know that they can't really send you to jail, I was led to believe by collections rep. At first he was nice then he got really very pushy. I Wired Western Union, I don't have the receipt. So now, on credit score, it shows I owe but in good standing. I called them and in a month they sold to another collections agency. I called them back and inquired and rep found I did pay but it seems they're trying to get around it.
If you decide to settle or pay, never pay collections agency if possible. Go to the original debtor and ask to pay them. Tip: Have in writing that if you pay, they will take it out of credit report so you have proof. And if it keeps showing up on all the credit bureau's, send a copy of that written proof to them and they take it off.
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hello555
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www.creditrepairuniverse.net
You can send a letter or call them and they cant call, send you letters anymore etc. But they will sell off the account, then another company will do same.
go to link :Inside are ways to fix your problems |
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Stephanie
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1. They called over and over until I was ready to pull my hair out.
2. They reported to the credit bureaus. It destroyed my credit.
3. One tried to garnish my wages, but I begged them to give me more time. I set up a payment arrangement and had that taken care of.
4. One collection agency sent my account to an attorney's office. The attorney's office threatened to file a lawsuit if I did not pay immediately. Luckily, I was able to settle.
I have since paid off all delinquencies. My credit score has gone up almost 200 pts in the last year. It is a great feeling to have all that behind me. If you are in that position, do not ignore the problem. Stay in contact with the creditors. They will work with you. Most will lower your payment or interest rate so that you won't have to stop paying entirely. If the account has already went to collections, you can offer a settlement. It's better than not paying at all. Also, get everything in writing. |
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Melody
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I feel it is so dumb to call people and then tell them that they need
to pay their credit card off or else.
For us who have stopped paying credit card bills, what have we
done to collection agencies...
It is not our fault we lost our jobs or can't afford to pay it off... because
of gas price... then collection agencies of the RICH folks' companies want the money back...
WHY CAN'T THEY SHOW SOME COMPASSION????? And stop calling us....
and harassing us like this. |
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