 Credit card? |
i never have a credit card before, and now i kind of need one because there are lot of tings that i can only buy it online.
So, please explain to me how it's works...
# if i pay ... |
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 How do people get credit i have just left school 18yrs old.i have never had any credit as i was to young? |
I wish to join the forces i can die for my country, but can`t buy a car or get a credit card if i wanted one.all becuose i have not got a credit rating . again how do you get one
any ... |
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 How can i improve my credit? |
| I'm paying off credit cards and seems not to work much. I want to pay the little debts from my file and work myself up to the bigger debts.is having thos credit cards that have a monthly fee to ... |
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 I have $100,000 credit card debt, what is my best option? |
| I owe $100,000 on 3 credit cards. My minimum payments total a little over $2000 per month. I am not behind on payments yet. I am only getting charged an average of 9% APR right now. If i miss any ... |
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 Is it true that "piggybacking" will be no more, as of next month? |
I have a fico of around 620. My dad has agreed to add me to some of his accounts to "piggyback" (is that the term for it)?
Additional Details
Piggybacking is what I've ... |
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 I want to know can you get visa check card with bad credit? |
| without being member at a bank.thank you everyone who anwer this question and only legimtae secure sites no scam ... |
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 Cant get approved for a credit card!? |
Ok, im 18-
and looking to get some credit here.
I will pay on the card, the TOTAL balance, every month. I mean
im just gong to put gas on it .. or food, ya know. Well anyways.
... |
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| Debt Consolidation...? |
| Does anyone have any advice on debt consolidation? I want to learn everything I can about it before I take the leap to do it, what are the best companies, pros and cons...stuff like that. I haven�... |
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 Can a visa gift card.........? |
| can you use a visa gift card to book a hotel?... |
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 If I lied about my age and recieved a credit card when I was 16 am i responsible for paying them? |
| I applied for 2 credit cards in my name when I was 16 and of course I didnt realiize what a pain it is to pay on credit cards. I had a bank of america and Dell credit card. I used it for college but ... |
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 Is borrower slave to the lender like the Bible says? |
Additional Details
If anyone figures out what Duane is talking about, let me know.... |
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 If someone knows they're going to die, what's wrong with them charging up their credit cards...? |
and then giving everything away to people they love, with no intent of paying back the greedy credit card companies?
Additional Details
I should have clarified--I don't believe in G... |
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 So how do I get a credit card ? (read details)? |
I applied for a Visa Credit card... It was declined...
The reason given to me was that I don't have credit. (not that I have bad credit, I basically have no credit rating, thats why I ... |
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 Credit report information? |
| Okay, I checked my credit report today after about 6 months of hearing the same deal before - I only have a couple of open accounts but I've never been late or gone over my limits on any. My ... |
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 My credit card got overpaid and I need to get my money back? |
| By some clerical error one of my credit cards got overpaid by a thousand dollars! I ended up way overdrawn on my account because of this and my bank is assessing me a lot of fees, plus my other bills ... |
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mike | I messed up.? |
we had a bill from 2006 in our old house. the gas bill was in my then 17 (in 2003) year old sons name, because I had an unpaid bill myself. I had a lot of health problems when we moved last year, and didnt work for months. the bill was turned over to collections and now shows up on my sons credit. I want to fix this situation. I paid the bill yesterday. But it still shows up in his name. What can I do to get this now paid bill off of his credit? |
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_nicole_
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Normally, those kind of things take about 1 month to get adjusted/removed from your credit. Usually, It gets adjusted/removed the next reporting month-not immediately. Companies report every 30 days. Did the company say they would remove it from his credit altogether? If so, keep checking to make sure it is removed within 30-60 days-if not-your son will have to dispute it with the credit reporting bureaus-not a good thing for you if he's honest about what happened. Normally collection accouts remain on your credit even if paid unless your paid for deletion, or the company agreed to remove it. If they did, you should have had it in writing.
My friend's aunt used her information on utility & credit card bills. When the poor girl was old enough to establish credit it was already ruined. She could not even finance a car or get electric in her name at her new apartment. Please be careful. Your son will most likely not want to press the issue against you, so it may stay on his credit for a while-meaning 7 years. Sorry you had to resort to such a drastic decision.
You people are wicked! I too want to know didn't get a thumbs down! Everyone has a thumbs down, but no one is saying anything much better than the last! What do you people want? |
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∞infiniti∞
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Your son would have to dispute it as "not my account" with the credit bureaus.
He was underage when the bill occured. Therefore, he could not legally have entered into a contract. |
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Craig T
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There is nothing you can do, it will show on his credit report as a paid collection item for 7 years from the date the bill was paid.
It may have been your bill but as far as the creditor and the collection agency are concerned it was your son's because they had his SS#.
Your best option for getting it off his report is now gone since you have already paid it. Sometimes, you can do what is referred to as a PFD or pay for delete. You offer to pay in full immediately in return for the collection item being removed from your credit report.
BTW, infiniti is WRONG. Minors can enter into and be legally liable for debts/contracts incurred for necessities, such as a gas bill for heat. |
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1st time mommie
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Everyone's getting a thumbs down! Well who has the perfect answer then?
Mike, sorry but you did mess up. You should have asked for a deletion letter before you paid it. Now it will remain on your son's credit for 7 years, unless he files a fraud claim. (you don't want that!) Even then, there is no guarantee it will get removed from his credit. He could try to dispute it-again, it will probably come back verified and it will remain.
This may haunt him for years to come. I hope you can help him financially when they charge him through the roof for things!
Good Luck! |
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hasdad62
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Wow, You guys are brutal! Why crucify a sick man? Sorry friend, but you did mess up. Jesus said let the perfect man cast the first stone. How many of you will step up to the plate? |
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Sharon F
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That will remain on his credit for 7 yrs
And there is nothing you can do to get it removed because it's a legit bill |
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heybulldog
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I'm not 100% sure about this.
You stole his identity. He has to file a police report on you and then send a copy to the credit reporting agency. |
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devonian2001
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I shoud try approaching Experian I am sure they may be able to help. |
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kiya
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Once you pay the bill i hear it takes like almost 90 days before it's taken off your or his credit. |
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The Brain
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It will come off of his credit eventually. Right now it will be showing up as a charge off. It won't affect him much if at all. Charge offs are good because it shows that the person is trying to make sure their credit is clean. |
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