 What should happen when you pay over your monthly car payment? |
| When I say what should happen, I mean that shouldn't it come directly off the principle?... |
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 How do I build credit? |
| I have tried to get a credit card and cant get approved, even for the ones for people with bad credit. I have two chargeoffs from almost 3 years, I know I need to pay back. I am still paying off ... |
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 My mom stole my indentity, what do I do? |
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 Can I legally be sued for debt for something that was before I was a legal adult? |
Here is my situation (bare with me!)...
4 years ago I started college at a very pricey insitution. I didn't necessarily want to go there but my dad liked it so I decided to go there. Once I ... |
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 Loans for unemployed? |
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I know most of them wont ... |
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I tried checking my credit report/rating but you have to put in your debit card details and I dont want to pay any thing.
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Additional Details
Okay, so you think I need my principle financed... well wouldn't that just be my payments times the term!? So it'd be $20432.40... then you'll need ... |
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| I have a card that I never use. I understand that for FICO reasons I shouldn't cancel it but I have received a new one in the mail with a new expiration date and I'm wondering which would ... |
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 Credit score of 566, any suggestions on delinquent credit card debt? |
| Keep in mind that this debt is several years old, will paying off some old accounts make it higher?... |
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 I have bad credit affter a bankruptsey 2 years ago - all I have is my job and I want to borrow about $2500? |
| God I think even my dog would turn me down at this point - anybody know anybody who gives real unsecured personal loans based on their employment?... |
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the gas man | I have a credit card bill that i have not payed for over seven years and i would like to fix it.? |
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ZinaRae
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Sorry, but a lot of these answers are not so true. The "myth" of 7 years is exactly that: a myth. It has gone to collections, has already been charged off by the credit card company. Now a 3rd party owns it. They have the right to refile for collections for 10 years. So in actuality, it can take 17 years to be removed. I didn't say this was always the case, but it can be done. And, has been done before. Are you still receiving letters from the collection company? That will be the "hint" as to where you stand. You can get a free credit report (all 3 agencies), by federal law, and I would suggest you do that first. It will tell you when it will be removed. It will also list who has the debt. Then make a determination. The biggest factor is the amount of the debt. If no action has been filed, then wait until after the 7 year and file (write a letter asking for removal) with the credit reporting agencies to have it exponged from your credit report(s). Good luck. |
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Cali Girl
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You can wirte letters to all three credit agencies and request for it to be removed since it has reacked it's 7 year peak! |
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astralpen
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This will show as a default on your credit--not a good thing. If you ever plan on getting a loan for a car or a house, you should fix this. Contact the credit card company and work out a payment plan with them. |
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SPIFIMAN1
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Why?
Check your States statute of limitation and be sure that it has passed.
If it has there is nothing the creditor can do to you legally unless you agree.
After 7-years it drops from your credit anyway. |
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NONAME
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why |
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queenofghas
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I am not sure where u live at but, in some states (most) If you owe a bill or one has been turned into collections, After 7 years it will be wiped off your credit history>( yes, even without paying the bill) You may want to check this b4 u make arrangements to pay or b4 u contact them. Once arrangments or contact is made, it will be to late. |
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Michael T
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Call them and work out a payment plan. They may have sent it to collections by now, but they should be able to help. It sounds like this could be damaging your credit. You can get a free ebook on credit repair at http://www.your-credit-solution.com . Good Luck. |
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rxing
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after six years you dont oew the debt anymore and yu dont have to pay it. leave well enough alone. They have probably already ruined your credit over it so forget about it and try to do better in the future. |
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beauty s
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call them, and see how much u owe and make a payment plane with them.. |
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