 Credit Card w/ late payments? |
I opened a new credit card account 07/2005 with MACYS, 09/2005 I stopped paying and now that Im monitoring my credit score I see it's status which is (120 days late, Late by 4 payments)
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 I have a friend that is wanting to get a personal loan for $2500-$3000. She does have bad/poor credit.? |
| Is it possible for her to even get a personal loan for that amount and if so where/what is the best recommendation for her to apply that's legit? Where could she try and how fast would she know ... |
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 I'm like 10G's in debt, what is a good credit counseling company? |
| I was young and stupid and got myself in debt, i haven't paid it off because i was unemployed. I currently got myself a part time job and want to start to fix my credit. Does credit counseling ... |
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 Can I get a loan for $100,000? |
| I make about $25,000 yearly. I am 22 years old, have been at my job for 18 months. I have no debt except for a medical bill which is about $200 a month. My car is paid off. My credit score is ... |
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 How good is a FICO score of 732 for a 23 year old? |
Additional Details
someone asked about what loans and CCs i have had etc... I've had....
4 loans, all paid off, 0 late payment
4 credit cards, all paid off, all ... |
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 How do i get a credit card? |
| I just turned 18 not long ago and i want to get a credit card to build credit but no place will give me one because i have no credit what do i do?... |
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 Creditors can take your salary? |
| If you have credit cards you owe, can they take money from your salary before you even say how much or if yes? Do you have any say at all? Does your job say yes or no?... |
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 Do i have to call the 1800 number on my temporary card to activate it? |
My bank gave me a temporary debit card the other day and it doesnt work I was wondering did i have to call in and activate it?
Additional Details
i have a pin ... |
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 Will I be able to raise my credit score by doing the following? |
| I just had a question. About 3 months ago I tried to apply for a loan to get a house. However, my credit score was around 560 at the time, so they were asking for a 10,000 down payment and to hire a ... |
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 I have one of the lowest credit scores possible! Where do i start to fix this major financial obstacle? |
| Im hopeful that someone here can point me in the right direction. I have two civil suits against me and some other negative info from old credit cards that I never paid off. (from college) I am 26 ... |
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| I need a personal loan!?!? |
| I have bad credit. But I still need a personal loan. anyone know of any lenders that will give me a loan?... |
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 Paypal ??!!? |
If i'm an ebay seller and I sell an item and want money via paypal service where does the money go?
my credit card?
Thank you in ... |
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 What is your most burning question about getting out of debt? |
| I am in the process of developing a membership site that will help people get out of debt fast. If you're in debt, will you tell me what your most burning question is about how to get out of ... |
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 If I do one of these free credit report pop up ads, will I regret it? |
| I know I should have great credit and am curious because of news warnings etc.... |
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 Credit CArd Debt..Stautue of Limitations? |
| Hi..I know there are SOL on credit cards--but how do I find out when my last payment was?? This does not show up on my credit report--but recently received a letter after 9 years for a debt. I had ... |
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Tierra S | If i dont pay for a credit card bill in 3 months is that fraud? |
I havent paid for my credit card in 6 months and its because i am a full time student and i have a part time job. I do want to pay for them but i also have other bills. I dont wnt them to think im not trying to pay them so if i keep going this route is that fraud. |
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huggz
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No, but its not very sensible as you are continuing to mount up interest charges. Contact them and see if you can come to some arrangement which will make it easier to pay.
DONT IGNORE IT ANY LONGER!!!! |
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jennyvee413
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no, it's not fraud but your credit history will go down the drain. If you have alot of other bills just take the credit cards and send them atleast 10 a month and keep the payment consistent. They cannot reject a payment and they cannot report you to the credit bereau because you are making payments. It just will take longer to pay off your debt. |
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DebtWillEatYouAlive
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No, not paying your bill is not fraud, it is a civil matter not criminal. |
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Amanda H
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It is considered fraud if you go out and charge something knowing that you cannot and do not intend to pay. However that type of fraud is rarely charged.
DO NOT charge on your card again. Weren't you a student/part-time worker when you charged it? Saying you dont make enough to pay your bill doesn't make sense when you are the one who incurred teh debt.
Call them and tell them how much you can pay. A partial payment is better than nothing. |
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tom_nearhood
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Not if you call them and make arrangements for payment, at a lesser rate. |
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ttothej4343
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no...your credit will just get screwed |
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luvsdogs
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has it been 3 or 6 months? you said 2 different things...why dont you just consolidate all your bills? |
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TheTruthAboutMortgage.com
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Definitely not fraud!
But those accounts will likely go to collection very soon. 6 months is usually the threshold. And that will ding your credit badly. You need to curb all spending, and start paying that card off now! And do not get credit counseling involved. They will make matters worse for you. Stop buying Starbucks and fancy clothes. And whatever else you waste money on.
Pay that balance off now.
Learn more at http://www.thetruthaboutmortgage.com |
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Celeste
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No, it's not fraud. If the creditor has not already charged off the debt and sent to a collection agency, call them and see if they have any programs to help you get back on track. If it has been sent to collections, try to negotiate a reasonable payment. But to get most agencies to agree, is like pulling teeth.
Another solutions is, if you're getting a large tax refund, settle the account for less and get rid of it. Get the settlement in writing before you pay them anything. Also ask for them to delete it from your credit report once it's paid. |
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CHAEI
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They will not go away! You are destroying your credit. The interest is going to kill you. If you cannot afford them do not use them. You will have to do without. Get some counseling on your debt they will help you out so that you can make a small pmt. |
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momof1qt
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Eventually they will send your bill to collections and, if you don't make arrangements with them for payment, they will take you to court and demand payment at that time or garnish your wages. They don't care how much money you make, you made the charges, therefore you need to may due on them. Contact them and let them know you are trying but have limited funds. See if they will take $10 a month. Worse comes to worse, seek advice of a credit counselor. |
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