 Can a collection agency buy my debt from a credit card company I owed over 12 years ago? |
| When I was 18 I got a credit card and went over the limit and owed $1000. I never paid it back and it was even dropped from my credit report. All of the sudden I get a letter from a collection ... |
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 How can I repair my credit? |
| I ruined my credit in college and as a result I have about $10,000 in debt. Most of the accounts are in collections, charge offs, or past due. The only thing positive on the report are my student ... |
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 I am in the middle of filing chapter 7 bankrupt and need to get a car loan? |
| Does anyone have any ideas of who might approve us for a car loan when we are in the middle of a chapter 7. Most if not everyone say we need to wait until we are discharged. Thanks for the help.... |
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 My credit is fair 625+, Now I have a problem..please advise.? |
| I screwed a cell phone company for $646. What effect will this have on my credit report, Is it real bad? Cant be as bad as a credit card charge off.... |
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 Do those "credit repair" places really increase credit scores? |
| are they legit, and if yes, do they help much at all? How long do they take to do whatever theyre going to do ?... |
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 Will my credit score be repaired? |
| I settled an dispute with verizon becuase they had sold my debt to a collector and now the collector damaged my credit score which is what I do not get since everything was fixed between me and V... |
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 Would it be a good idea for someone who has a recent BANKRUPTCY to apply for a car loan? |
| A friend declared Chapter 7 Bankruptcy last fall before the law change, and his debts were cleared and honestly I cant really say if it is a good idea or not for him to apply for a car loan as his ... |
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 Where can I get a free credit report that does not ask me for a credit card number to use? |
You hear all of these adds for Freecreditreport.com, but when I visit the site it looks like a scam; it is asking me for my credit card information.
Where can I visit a hassle-free site ... |
|
 Why would you choose Bank of America? |
| Not sure if I should open an account there or not. My mom thinks I should.... |
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 Every month I get invoiced by Sky but they add £4.00 admin charge as I do not want to put it on DD? |
| Just as people have applied at banks for unreasonable charges to be returned would I have a case in this instance. The £4.00 is 20% of the actual bill.... |
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 How do I get a credit card when I don't have a credit history? |
| I am 19 years old and I am trying to establish credit but when I apply for a credit card I get denied because I don't have a credit history. What can I do?... |
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 Credit cards for people with bad credit? |
| What credit card company is the most leniant when it comes to giving people with past bad credit a new card?... |
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Confused | How can I tell if a credit card company is for real or a scam? |
I recieved info about a C.C., Orchard bankcard in the mail. Does anyone have a C.C. from them? |
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Sarah K
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I don't, but I know of others who have used them. It's similar to Capital One in that they work with those with limited or poor credit histories. Check the annual fees and the fine print before agreeing to this card. Some people have had negative experiences with the company, but others have used the card responsibly and not come across any major issues. YMMV. |
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Kutekymmee
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contact the Better Business Bureau and ask about the company. |
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bemanni
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If it costs you money to get the card, it's a scam, if they offer it for free it isn't. |
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pattibcacl
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If they want money say no to it it could be a scam credit card company you don,t want that good luck |
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Amanda H
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Orchard Bank is a legitimate company, yes. It's generally for fair to poor credit and has an annual fee.
There aren't that many 'scam" credit card offers-- all credit cards are going to make a lot of money off you so there's no need to make up cards! |
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Dr. PHILlis (in training)
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Always, always, read the fine print. The shady cc's will usually tell you that you can get instant credit off the bat with no problems, but that you have to have a bank account, so they can withdrawl money or something like that. And I know you don't need a damn bank account persay to have a credit card. Usually if it's from a major card holder like american express, mastercard, visa, discover, than it's legit. Just read the fine print and call them and ask questions, and if it doesn't sound good, then it's fake. |
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Principessa
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I think I've heard of them before, but the smartest thing to do is to resist any of those offers (you really don't need more than 1-2 credit cards, max). Stick with the one(s) that your bank issues you, and you'll be fine. |
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ifs_enoch
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Go check the bank. |
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beccasmom99
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I'm pretty sure Orchard is real - I've gotten offers from them before (always throw them away), but from what I can tell, they primarily deal with high risk people - meaning high interest rates and usually annual fees. Read the fine print first and if you have any doubts check them out through the BBB first. There's always a chance that someone could be using the name - compare the contact info. |
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vickimarshmelo
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A real credit card company would be a name well known, ALSO dont get involved with credit cards, it causes you debt at a yoiunge age, and ruins lives. |
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