 If someone finds bank/cardit cards and they know the pin number, can they use it and get away with it? |
Additional Details
people said on here they can get caught for first time but how unless if they is ... |
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 Will people actually sue me if I won alot of money in the lottery? |
| If I would have won the $273 million Powerball Lottery, will people line up to sue me? They say get a lawyer, but for what reason other than to fight off lawsuits?... |
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 College Student with $9000 in Credit Card debt? |
| Wow! I started overcharging an exorbitant amount, and have now shredded my credit cards and need to stop interest from accruing and stop collectors from calling. I'm going to be in college for ... |
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 I have won a lottery how I can receive money? |
I have bought through internet a lottery to me the message has come that I have won the certain sum
There write that I can them receive and I have filled in the questionnaire but me the answer ... |
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 10 points...If I had a credit card in my name, not my husband's can they tell him my balance? |
| This is nothing pertaining to me, but somebody I know. The credit card company called and said that if he doesn't pay $500 by a certain day, then they will take him to court. They said all of ... |
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 How can I establish credit when I can't get a credit card or even a storecard? |
| I am trying to establish credit (without having to go to a bank and take a out a loan. I hate going through all of that.) but I can't get a credit card, let alone a storecard.I have a job I'... |
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 How do I repair my credit after a divorce? |
| I dont own a car or a house but I do make an alright wage. I dont have any credit cards and the only thing I have to pay other than living exspences is ... |
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 What do I do if someone used my name on a bank loan account as a co-signer and I didn't know about it? |
| I once co-signed for a friend on a motorcyle loan that was paid off. Now that friend decided to take out another loan for a dirt bike trough the same bank and somehow my name ended up on the loan as ... |
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 About credit cards? |
| I have a high credit score of 770. However, yesterday I was turnded down by a credit card. I think I was turned down because I don't make alot of money. Is there credit cards out there for ... |
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 Paying off a credit card!? |
| Im about to pay off my credit card today and i have had this card for almost a year know and i never missed a payment but when i pay it off should i keep a low balance for a month.... |
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 How on earth was I denied by Chase for a credit card? |
| I am confused about what reason Chase could have had for denying me a credit card. My credit score is about 760, I have $52,000 in my bank account, I make $97,400/yr salary, and I have no late or ... |
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 If the lender that financed my car is not reporting to the credit bureau can it hurt credit if.....? |
| I bought my car from a used car lot. they got my fianced by a lending institution. well the vehicle is giving me nothing but problems and i really need to get rid of it. i have been shoppin for a new ... |
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 How do I avoid paying the collectors? |
I disputed it with the credit bureau and didnt work. Now how do I approach the collection agency so that they drop my account or pay less than amt stated?
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I didnt ... |
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 What will happen if I can't pay off my debts? |
| I am about $10,000 in debt, both credit cards and medical bills. I think I have a total of about 6 or 7 credit cards. I am a college student who makes less than $2,500 a year. It's really hard ... |
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SWEETSTEPH | I need to clean up my credit report how should I do that pay someone? |
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mldjay
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Nobody can clean up your credit. You can only improve your credit score by starting today and pay your bills on time. Before starting to pay off all your debt have a small emergency fund of $500-1000 so you don't have to go back into debt because your furnace went out or you need a new alternator in the car.
Don't call all creditors at the same time otherwise you are waking up all the beasts. Work with one creditor at a time BUT pay minimum payments on all debts and pay extra on the one you make a deal with. When that first one is paid off, call the next debt. Go smallest debt to largest debt so you see immediate results and it will keep you motivated.
Also, "credit counseling" be careful. Many of these will hurt your credit and show on your credit report just like you went through bankruptcy.
For more information go to www.daveramsey.com. In the first 5 months of working his plan we paid off $13,000 in debt. |
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julez
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you can not pay someone to clean up your credit report. The only way is to reistablish your credit. Apply for a secured card, and show the creditors you can pay on time and under the limit. Looks better if you pay in full each month. Never pay late! After 30 days, it gets put on your credit report. |
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The Bird ( *)>
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There are a few things you should do. First get a current copy of your credit report from the 3 major credit reporting agencies. Each cover a different general region.
You will need to send out a letter to each creditor you wish to pay off and set up a payment arrangement with them. Some (the smaller amounts) can be paid off in one payment.
After that, review what is on each report and work on paying off what you can. Some people will say to pay off the bigger amounts first, other will say pay off the smaller. My suggestion is to pay on the ones you can afford.
The three major credit reporting agencies are TransUnion and Experion, and ExquiFax. It will take between 2 to 3 weeks to recieve your credit report from them. And its free.
The best thing would be to get the assistance of an attorney. He/she can make all the arrangements and work with you on making the payments.
There are also a number of Credit Counseling services in most major cities today. This service will review what your credit report says and set up a payment plan for you. Then all you have to do is send one check or money order in and they do the rest. Normally they try and help clear up your credit within 1 to 2 years time. Depending on your credit problems this will vary |
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misz cami
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you are allowed one free credit report from each credit bureau per year. go to www.annualcreditreport.com to get yours online or by mail. write to each creditor and request that they update/change/investigate the charges on your report. the website I mentioned offers sample letters and thorough FAQs. |
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dustiiart
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http://www.associatedcontent.com/article/30097/how_to_clean_up_your_credit_report.html
http://www.ftc.gov/bcp/conline/pubs/credit/repair.htm Take close note of this particular site...it clearly indicates the problems and falicies associated with companies proclaiming to be able to correct your credit.
http://www.fool.com/ccc/check/check05.htm
Credit counselling bureaus might be of some assistance, however be prepared to be placed on a very stringent budget and if you have outstanding debts, you'll likely make payments directly to them (depending on your situation). Be wary however if they should contact you months down the road to state they've uncovered another debt...to which they expect you to pay for an additional time frame beyond the one you agreed to initially.
I know of someone who has been handling her mothers affairs. The mother was being swindled by her own children and was in debt to the tune of over $30,000.. she didn't work and at the time had absolutely no income. How they managed their little spending sprees I don't know but the credit counselling firm tidied up all of her debts only to come back to her a year and a half later claiming that another $3000 debt had been uncovered to which she would be expected to pay an additional 60 months worth of payments. The debt falls into the Statute of limitations and I informed the woman to request written documentation that verified the debt in question. To date they've not produced this info and have not contacted her since her informing them of her knowledge pertaining to the statute.
Be very wary of people claiming to be able to repair your credit to remove all damaging information. The best and safest way to tackle your credit history is to walk through the steps yourself ... this will ensure that you'll get the results you want, it will cost you next to nothing except your time and energy and you'll do a more thorough job than a complete stranger would, who has perhaps 20 or 30 other such cases on his plate.
Good luck |
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Sir J
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You can't pay anyone. Those are scams. The only way is to quit using credit cards, pay your bills on time and let time heal your issues.
www.daveramsey.com
will help. |
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New Millennium Minds
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Get an online report, that includes the main three agencies, and challenge EVERYTHING!!! If they can not say NO to the challenge then you win!!! |
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Asshat McPoop
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Companies offering "Credit repair" is bullshiat.
Even the website notes that THERE IS NO GUARANTEE. If it's so good, then find a company that promises results FIRST and THEN charge you for their services.
The best way, noted above, is to re-establish and get rid of any outstanding collections on your reports.
Don't go to www.freecreditreport.com since they will only give you your credit reports for signing up for their lame "watch" service.
Go to the Federal www.annualcreditreport.com and they will send you all three for free, no strings attached. |
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Mark C
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I heard those are rip offs. What I did I took out a few small loans and paid them early. I took out a pager from Verizon which was on a contract and paid it up for a year. After a while I applied for service with Nextel I got approved with no money upfront and I always pay up in full. |
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Get Justice!
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If you are serious about getting it repaired. Please click the link below. This is a NON-Profit organization that restores your credit in 30-90 days with excellent results. I hope this helps you. |
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