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 Pay or Not to Pay Collection Agency?
While back in college, I left a cable bill unpaid. It went to a collection agency. It is for a minimal amount of $122.62. It has now been 4 years since it showed up on my credit report. After ...


 I've never had credit cards before, but i need one to build credit. 21.08 APR is their offer, is that bad?
I don't understand credit cards, but i might be getting a protected one soon. What is the APR, and is it that relevant?...


 Debt consolidation?
Hi,

My partner owes around 20k to misc creditors as unsecured debt with some overdue etc. He has a steady job and has his budget under control now since his family situation changed and ...


 Does anyone know of a credit card that you get approved with bad credit?
with out needing a deposit to open ...


 How can i block my nunber?
...


 I am 17 but I keep getting mail from lots of credit card place and other companies to suggest that I have....?
some type of credit. How do I check to see if someone is committing identity theft? I would like to resolve this before I turn 18 so that my credit won't be scarred for life....


 Is there a fast way to improve a poor credit score?
...


 Is this to good to be true?
Ok many people say if its too good to be true it probably is. Well my roommate gets a call today from Visa (his credit card company) saying tha because he spent a certain amount fo money on his card ...


 Is 17 too young to have a credit card?
Our son has had a savings account since he was 10 years old. He began working and has since opened a checking account and also received his 1st credit card. His father & I think it's okay ...


 Does any one knows if this is a possible scam?
Dear Prospective Partner,
My name is Andrew Wang, I trained and work as an external auditor for the
Dah Sing Bank (DSB), working as part of a bigger team that covers the
entire Asian ...


 Who can i get an unsecured loan from if i got bad credit rating ? ( uk answers only please )?
i have a very poor credit rating and i need a loan . i rent my house so its got to be unsecured and im not interested in those companys where you have to pay a fee up front cos they r a rip off. it ...


 When I get too many bills I just move and start over but there must be an easier way. What do you do???
...


 I have $12,000 debt and i'm only 21?
I dont know what to do.. I also have $25,000 in student loans as well (failed school actually, so it was all for nothing)

I was born to lose. i need $1500 a month ($600 of which is for ...


 Why citybank at nigeria asking to transfer more money to this bank.?
i had make the first money tranfer and now this bank ask for one money transfer in order to credit me the money....


 Wondering, Can I get arrested for this? Or is this a Civil Matter?
kjj
i just wanna make sure the cops dont knock on my door.
I already did this, just want to double check.
To Make a long story short.

I have 2 accounts at a bank.

...


 Has anyone had any problems with Capital One credit cards?
This is regarding their debt company Debitas....


 I've been denied my mortgage because of bad credit, but don't know where it's from. Advice please?
My boyfriend and I have just been turned down for a mortgage because of my bad credit. When I was a part time student (at aged 20) I incurred a debt of £800 in outstanding council tax which I then ...


 If my wife and I.?
To put it bluntly if my wife and I pop our clogs,which we dont plan to do in the near future.Do my son and daughter have to pay off any unpaid debts we may have had.
Additional Details
S...


 An overdrawn bank account from a year ago has gone to collections. Can I go to jail if I dont pay?

Additional Details
Will someone anwer who knows what they are talking about please? This is not a "farud" case...it has gone to collections!...


 Every time you use a debit card does the bank charge you?
Like every time you use a debit card, does the bank charge you for that? Thanks in advance....



SF Mom
I just experienced identity theft - ugh! I need a new credit card - any recommendations?
                     
 




www.jelloshotz.com
But with identity theft it isn't a matter of if it will happen to you, it is more of a matter of when. It is the fastest growing crime in the US. A year ago I didn't know anyone who had been the victim of ID Theft, today I know 4.

I think it is important to protect yourself no matter how careful you are.

I suggest this service for protection. You get a credit report to see if it has happened.

You get credit monitoring to let you know if it happens. This way you know right away if it happens so you can minimize your loss.

But the best part is if it happens to you you are assigned a licensed investigator to handle every aspect of the Restoration!

The FTC says it can take 600 hours and thousands of dollars to correct the problems.

It is horrible to fix.


I like horses
Rating
Survival step #1... CANCEL ANY CARDS that you think the "thief" might be using NOW. There's also some agency (I forgot what they are called)that can monitor your credit status (and calls you when there's an unauthorized transfer)


andiem4715
Rating
best thing to do is get your credit card mess fixed becuase of the theft and then get another card... citi I heard is good... i dont have credit cards because of this exact reason. cash... its the way to go.


onelonevoice
It is a major pain. Lets see if I can help. Send me all your new credit card numbers,expirations and social security number. also a copy of your birth certificate would help.


malaria_31
Rating
Your credit card company should investigate and issue you a new card as long as you report it to them.


Gorkel
Try OrchardBank.com They have secured credit cards, and they offer protection!


socalgrrrl05
Rating
Citi becuase they're always saying they deter identity theft. Or I'd say get one thru your financial instituion. That way everything is at the same place and they can easily replace it for you.


Witch King of Angmar ©
Rating
Yes check all your accounts electrically, because they will steal all your accounts to to get convenience checks. THey will change the address and phones so you will not know that they are robbing you blind.

Plus put out a credit look out at TRANS UNION and the other credit ranking services.


Elana
Rating
Yes - do *NOT* use any information you get from your queries
to the Internet to make these decisions.

Why not? Well, let me recommend my personal favorite
credit card company: IDTINC. Just send 'em your
social security and you'll be all set!

You're better off talking to your accountant, your lawyer or
someone else you respect (and more importantly) trust.


ignaciobeltran
Rating
No credit card is a good credit card.

Use ol´cash.


Curious Stranger
Rating
citi or capital one


ERICKSMAMA
Rating
do it fast...my husband never got to use his credit or anything...He couldn't get unemployement because some was using his ssn to work as well...plus used it in the court system so when the cops run his name all this stuff comes up...His happened the first time when he was just 18 years old...If you have any proff of the theft go to the police and file a report...


gentle giant
This is not the place to talk about credit cards. Gaurd your financial info. My sister is a victim of identity theft and can't get anything resolved even after 4 years!


Jen S
get a card that has id theft protection


littlebopeep
Rating
Bank of America's Visa is the best when it come sto identity theft---God forbid it happens again. They refund your money by the next business day and do all the leg work for you.


bombhaus
Make sure you cancel all your old ones and report Identity Theft Fraud with all of them. Open a new bank account and get a Visa Check Card through them and only use that. Also file with them that you have been the victim of Identity theft before and to keep a close watch on your account.


irishmomof3
Rating
if your credit got ruined by identity theft...no one is going to give you a card if you have ba credit (unpaid debts-they don't care if you made the charges or not)


VerdeOjos
I love my US Bank card, although I'm assuming you need an account there. American Express is good, and I also love my Discover cause I got to choose the design. What I would suggest is getting one that has a low APR, like 11 percent or under if you can!! and also maybe a beginning APR of 0% for several months. Good luck, that sucks honey!


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