 Debt collectors? |
| I have got a statement from a debt that is at least 9 years old , I had to quit work because of a disability and now I draw disability ,I have been told I should seek a attorney to see what to do ,... |
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 Credit scores? |
| whats the best way to raise my credit score? and also how does it work? does it matter if i paid off my vehicle and paid off my credit cards??? need some answers!!... |
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 HELP ME PLEASE!!! (dont ignore this question!!!)? |
| ok, i bought an iTunes card, my payment method is none, i entered my code, it worked it says 20$ on the top, everytime i try to buy something, it says please edit your payment info, i dont have a ... |
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 What should I do if a collection agency won't accept my payments? |
| Okay, so my husband has a debt with a collection agency. We want to pay off the debt and when I called I told them we could pay $100 a month. They said that they would not accept this because it ... |
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 I have $11,000 dollars in credit card debt spread over 4 different credit cards.? |
| I have moved to Hong Kong where I will be for at least 5 years. My company pays for my apartment and I will never need a car so credit isn't important to me. I was planning on waiting for my end ... |
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 Is it even worth it to continue paying your credit cards on time if you're in my situation? HELP! |
| Ok, so I have posted several questions in regards to my credit card debt and am still very unsure of what direction to take...I have about $30,000 in CC debt with two companies..Citi & Chase...... |
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 I'm a college student and i want to get a credit card to establish credit. Which one do you suggest i get? |
| Should i get one for college students or just a regular one, if they give it to me. i heard capital one will give them to pratically anyone! and like what apr is toooo HIGH?... |
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 Credit Reports and Scores?? |
| Does anyone know what website is the best to get your FREE credit score and report other than free credit report.com because they are a big scam. I need to check my credit in a bad way, but not have ... |
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 Filed Ch 7 Bankruptcy- How long till I can buy a house a a decent interest rate? |
| My Ch 7 Bankruptcy was discharged in late November 07. how long till my credit is decent enough to purchase a house at a decent interest rate? assuming all bills are paid on time from here on out...??... |
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| What are some good ways to turn around bad credit? I can't afford to pay the bills that I owe right now!? |
| But I was hoping to find some ways of building my credit even though it is already bad. I am hoping to eventually pay the debt that I owe, but what can I do to be helping my credit in the meantime....... |
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| I want to buy a house my credit score is almost 700, income is only 25000 year and I have a 400 car payment? |
| Is there anyway I can get a home loan? I only want to borrow around 50000-60000. Other than my car payment I do have some student loan debt. My plans are to refinance my car or downgrade before ... |
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 Is it legal for a credit card company to charge you fees before you've even activated your card? |
| I opened a credit card account and somehow missed the small print, where they said there was a $39.00 activation fee and a $60 annual fee. I realized my mistake when they sent me my card, so I didn&#... |
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 Is there anything types of payment cards like a credit card for 14 year olds.? |
| is there anything that i can get in the uk. i am nearly 15. i want to use it to buy things off the net. please give detail and web links if you can.... |
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drumlove56 | I applied for a credit card, got accepted but then changed my mind...? |
But when I checked my bank account there is now a credit card account as well with 2 months of late payments and the annual fee tacked on to it. I don't want this credit card at all, but now I'm afraid if I call Visa, they will close the account, which I believe goes against your credit score. I never activated this card, in fact, I never even received the card. Is this fraud? If it's not, whats the best way to deal with this? Thanks!!! |
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Leah
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Were there any charges made? A closed account will look negatively on your credit but so will the late payments. Since you never activated or received the card I would call them up explain to them the issue and have them send the problem to their fraud division. You should recieve a letter from them or a call. This happened to me and they closed the account and also cleared my status. I used the letter and sent it to the credit bureaus and they cleared it off my record as well. Goodluck. |
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brimir7
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First, never apply for a credit card with an annual fee. There are too many credit cards out there to do this. However, since you applied for this credit card and were approved you are now responsible for the debt (including the annual fee). You can call them and say you never wanted the card, and they might waive the fee, but that is up to them. Regardless, you need to close the card. While the exact process is somewhat dependent on the creditor it generally involves you contacting them by phone and/or sending a letter to this effect. It does not hurt your credit to close an account. That's a common myth. The only connection this would have to your credit score is that it could lower the average amount of time you've had credit or lower your available credit in contrast to what you owe. This would negatively effect your score. What is definitely effecting your score is being passed due on the card. Either get them to remove it or pay it immediately. Either way, don't allow the delinquency to continue. |
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Jeff
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Your credit score will be reduced, but only to where it was before you got the card in the first place.
If you had an annual fee and two late payments, then you're the victim of a shark attack. |
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so_cali_hottie
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The only thing I would add, after you've contacted the credit card company, is if they don't resolve the issue, make sure to dispute it with the credit reporting agencies. You can do this online. |
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trop
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Whatever you do, please put it in writing. Contact the Visa company, they won't close your account. Maybe you are paying an annual fee? If so, you must pay it to maintain the card and keep your credit ok. If not, dispute the charge. |
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Vanessa M
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Actually this "jersey boy" character is wrong. It can be considered fraud. I used to work for a credit card company. Approval is not an automatic agreement. Not by any means. You need to call Visa immediately and explain your situation. You need to demand they close the account and clear those charges and if you still do not want the card, you need to insist they take this completely off your record. They have the power to do so, it just might take some fighting. |
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reinformer
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Notify your bank and call Visa. If you don't you will be responsible for previous charges. |
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src50
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Fraud? You're the one who changed your mind and then did nothing about it. |
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