 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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 I'v never had a credit card...? |
| I'v never had a credit card..., and lately ive been geting offers APR is 17.74% is that good?... |
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 I am a college student with zero credit. I applied for a credit card at Wachovia and was declined.? |
| I need money to pay for lawyer fees (and I absolutely cannot ask my parent for money). I need help as soon as possible... I am desperate. Thank you.... |
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 IF I HAVE VERY BAD CREDIT BUT I HAVE $20,000 DOLLARS TO PUT AS A DOWN PAYMENT ON A $185,000 HOUSE CAN I DO It? |
| I HAVE 1 &1/2 YEARS TO BUY THE HOUSE THAT I AM LIVING IN OR THE MONEY GOES AWAY. I DONT HAVE GOOD CREDIT AT ALL AND SOME OF THE THINGS ARE RECEINT( LATE PAYMENTS,NON PAYMENTS, CAR REPO. ETC) CAN... |
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 What is the best was to consolidate credit card debt? |
| I'm 21 and have made some studip choices on getting credit cards and charging them up. I have $8000 in debt and am still in school. Is there any way to get this reduced or set up as one payment. ... |
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hastings1977@verizon... | If over credit limit and if paid off before closing date, is your credit score affected? |
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 |
 
Stephen K
 |
Supposidely not |
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bdancer222
 |
Most credit cards don't report negatives unless payment is 30 days late. |
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cop350zx
 |
YES
In two ways...
GOOD
because you paid it off
(I'm hoping by paid off you don't just mean paid down back below the limit).
BAD
because you just opened another account to get a balance transfer because you were to poor to pay off the debt yourself, and now you have two open lines of credit instead of one, making you a high credit risk. |
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beauty s
|
no ist not... aslong as u pay it off or down before the due date u are fine |
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drdebate
|
A little bit. Your credit report records the following with regard to credit cards: Payment history (late or on time), last payment amount, credit limit, current balance and highest balance. If your highest balance is over your credit line, that'll cost you a couple points. |
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Enchanted
 |
Nope. As long as all activity was prior to the closing date, you should be fine.
Edit: and ccrider couldn't be more wrong. A poor credit score can result from one negative entry, as in a late payment, missed payment, etc. Credit card companies report monthly to all three bureaus. |
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Carlo_ice
|
do mean overlimit on a credit card?
if so, there should be no worries. i used to work for a credit card company, and overlimits are usually not reflected upon your credit rating immediately. if it happens one or twice, i think there should be no problem.
however, if it happens often, it may affect your credit rating.
best to check with your bank reporting policies.
good luck! |
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Michael K
 |
Your credit score should not be affected, however the bank that issued you the credit card will most likely charge you a fee for going over the credit limit. |
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Sanjeev Kumar Vyas
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i think unless u ask the bank to increase the credit limit, you would not be able to go above the limit. |
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cnjrtom
|
Businesses really don't report as many credit things as people think... late payments, over limit, unless you get really behind with them, they don't report it. |
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CCRIDER69
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THE ONLY TIME YOU HAVE A BAD CREDIT SCORE IS WHEN YOU GO INTO COLLECTIONS... |
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