 If somebody knows my social security number and name, would they be able to apply for a credit card and spend? |
Additional Details
But if they enter THEIR billing address, wouldn't I be able to track them down, and sue or what not?... |
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 How bad will two repossessions hurt credit score? |
| I'm talking about cars. One in 2005 and one now. Does the amount, value matter?... |
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 What happens if I OVERPAY my credit card? |
The mail around my area sucks, and I usually don't get my bills until they're almost due or overdue, so I pay my credit card off through my bank website.
I call the credit card ... |
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 Iv been offered a loan with 63% apr? |
due to my circumstances, this is the lowest apr i have been offered. i want to borrow £2000, so am i right in thinking that i would pay back a total of £3174 if i take this offer?
... |
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 I have a problem!? |
| About a year ago, I called a internet company to cancel my internet. Well something must have happened and it never was done! I called the next time and they said that they could fix. Fast Forward...... |
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 Being harrassed by a bill collector? |
| I AM BEING HARRASSED BY A DEBT COLLECTOR WHO IS GIVING AWAY MY INFO, AS WELL AS CURSING AND YELLING AT ME. APART FROM THE FTC, WHERE ELSE CAN I FILE A COMPLAINT WHERE ACTION WILL BE TAKEN IMMEDIATELY?... |
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 Can you overnight deposit a money order into your bank account? |
| I have a bank account that I'm bringing current and I was just wondering if you could overnight deposit money orders into your account.... |
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 Is it ok for a Debt Collector to call on Sunday's in California? |
| What are the Debt collector practices and regulation they must follow in California or where do I find them?... |
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 How do I improve my credit? |
| I don't have good credit. I can't get a credit card, due to it, so how do I improve my credit? The reason I have bed credit is due to defaulting on a student loan several years ago. So ... |
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 Writing "Paid in full" on front of a personal check.? |
| If I write Paid In Full on the front of my check and the other person cashes the check am I released from any future claims that I still owe them money like for a contract dispute?... |
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 Credit cards.? |
can anyone tel me what the 2.5% handling fee means and what 0% balance transfer means.
should i bother with one or not also, as im part time on about 555 a month (pretty cr@p yeah :D)
... |
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 I wrote this and it is my philosophy and I am proud of it. What about it? |
| Believe nothing, no matter who has said it, even if I have said it, unless it agrees with your own reason and your own common sense.... |
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 When wil my bad credit clear? |
| I HAVE APPLIED FOR A MORTAGE BUT THEY HAVE KNOCKED ME BACK THREW A MOBILE PHONE BILL I NEVER PAID I HAVE PAID IT IN FULL HOW LONG WIL IT TAKE TO GET MY CREDIT BACK I HAVEN GOT ANY CCJ... |
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 I have 4 credit cards, which ones should i ditch ? |
Card #1 - Visa
Card#2- Mastercard (yearly fee of $60)
Card#3- Old Navy
Card#4- Victorias Secret
Additional Details
i've heard youre only supposed to ... |
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Little Hulk | If I pay off my car loan, can I get any of the negatives, removed from my credit report? |
I was late a couple times on my car payment. If I pay off the whole amount, is there any way I can negotiate them removing any of the late payments from my credit report? |
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j s
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Sure, you can try to negotiate with them, but I doubt seriously it will do any good. There's a reason why those negatives are there, and why they probably will remain there for about 7 years - it goes to show credit worthiness. This is the grading system creditors rely on when on making credit granting decisions. |
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twv23512651
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A credit bureau will not remove accurate negative information from your credit report before the legal time period has expired. Therefore, do not believe anyone who claims they can get negative information removed from your credit report faster than is legally required.
There are no "loopholes" or laws that credit repair companies can use to get correct information off your credit report.
No credit repair company can do anything you can't do for yourself. It is impossible for a third party to make changes in your file if the facts have been correctly reported. There are individuals and companies that claim they can fix a bad credit file. This is not the case. If a file includes accurate, yet negative information about your credit history, this information cannot be changed. Information will only be changed when your file contains an inaccuracy.
The only way to rectify a poor credit rating is to adopt sound credit practices for a period of time. |
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Expert Realtor
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All you can do is call your creditor and ask.
The credit bureaus never remove negative information without the original creditors permission on open accounts. It is a violation of their contract.
They may remove one, but may not remove two....but all you can do is ask. |
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shelcom
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Nice try. No one can change accurate information. |
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beauty s
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no, but it will make your credit look better if you pay it off in full |
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Luke D
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No. What's in it for them if they say yes? You're already obligated to pay the loan. They'd actually rather you pay it in installments as opposed to all at once because they make more money.
Those late pays will become a very small deal once they've aged some. Just pay the loan off if you're capable, and be done with it. |
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mister ed
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no and do not pay it off ahead of time if it will put you in such a bind that you miss a payment on some other debt you owe such as a credit card. you have to live with the late payments == just part of life == nobody said it was fair. |
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SPIFIMAN1
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It's possible, but be sure to get it in writing before you pay them a dime or they will have no incentive to work with you.
This has nothing to do with credit repair like the first poster seems to think. The bureaus only report the information that is reported to them. They can not change anything only the lender doing the reporting can. |
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