 Paying off credit cards? |
| ok so I have my credit report and money. What's the best way to pay them off. Should I negoiate with them for a lower price, pay the whole balance, make payments??? Im looking for the best ... |
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 Credit Score dropped...how can I get it back UP? |
| The last 6 month I worked so hard to get my score up to a 710 and when I moved I neglected to check my cable bill at my old address. I was sent to collections over 55.00 and my scores dropped into ... |
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 I am 23 years old, i am unemployed, and i am $20,000 to $23,000 in debt i dont know what to do? |
| I dont know what to do i am about to just let them go? i did good at keeping up with my credit at first but right now is just too much i been unemployed for awhile finding money to pay for the ... |
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 How to build credit up? |
| cause i dont have any credit and i cant get a credit card ... |
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 Secured Credit Cards? |
I just opened last week 4 secured credit cards with $300 credit limits each. I need to repair my credit...
If I charge $10 on each monthly then pay all of them off monthly and keep doing ... |
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 Do those debt consolidation websites really work? |
| My boyfriend is around $17,000.00 in debt. He almost signed up with one of those debt consolidation companies online. What they told him to do in a nutshell is to pay them X amount each month and not ... |
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| Credit card interest rate jumped to 30%! Why? |
| My husbands Washington Mutual credit card jumped to 30% interest. We have never been late on a payment and we pay way more than the minimum in order to pay it off. Right now the balance is $423.00 (... |
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 My nephew has a bunch of bounced checks? |
| He has bounced about 5 checks and has no money to put in the bank to cover what he has written + fees and such. He has no job, so no way to pay them back and none of the family is willing to loan ... |
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 Is it a good idea to take out a small home equity loan to pay off credit cards? |
10000$ to consolidate 7000 in debt, the going interest rate is 7.5 % we are currently paying between 13%-23% on the cards
Additional Details
the remaining three thousand will go torward ... |
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 Am I responsible for my girlfriend's credit card that is in my name (she is additional cardholder)? |
Her name is actually on the card... If we break up and she does not pay it, can I go after her legally?
Additional Details
She has a totally separate card eventhough she is on my account ... |
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 Go bankrupt or not pay? |
| im not sure what bankrupsy is everyone tells me don't do it. bc i will still have to pay it back. but right now im not paying on my credit card debt. so do it or just let it keep racking up?... |
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 What credit score should I go by? |
| transunion experian and equifax all have different scoring methods. which one is most accurate when it comes to what a creditor will look at...? So basically is the equifax score closer to what a ... |
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 Who here is getting sick and tired of 'where is my rebate' questions? |
| I just wish some of these people would at least read some of the answers pertaining to the rebate before asking the same question over and over.... |
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 I'm confused...do I need credit card...help? |
| I have recently moved to US (legally :-) ) and I have been watching a lot of shows (while I'm home with my baby) and I'm trying to find out what's the best for me...the only one thing ... |
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 When I move, how do collection agencies get my new address? |
Additional Details
I got no utils, its a rented room in an established company.
My bank account? <-- my ... |
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 Can someone help me get a loan to pay-off all cedit debt that I owe? |
| I do have a job but may credit is extremely bad and I need to turn that around please help me.... |
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 How do I stop a bill collector from calling my number, they have the wrong number? |
| Companies have been calling my number for a person sho had the number before...fair enough...but it has been a year since I got this number. The same companies are calling. I have threatened to ... |
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wilz | Is it legal for a company to check your credit without your approval? |
I specifically did not give them my ssn and told them not to run a credit check but they did anyway....is that legal? |
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mbrcatz
 |
Well, it IS legal for things like credit card pre-approval offers.
But if you go into a store, or are shopping around for a mortgage, they HAVE to get your approval before running the check.
If you're doing something like getting insurance, or putting in a mortgage application, and you sign a paper giving permission, and verbally tell them not to run it, the permission on the paper, overrides your verbal declination.
Generally, they can't run an accurate check without your SSN. |
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Latoya M
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that is definitely illegal. You have to give permission for that or at least sign something stating they can check your credit. What's wrong with people today!!!! |
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Freeport77541
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on my report it showed where a church in north carolina pulled my credit file without my permission or knowledge. After all the letters back and forth it was termed " an error " by someone giving them an incorrect ss#. Nothing was ever done about it and it is still listed until it falls off the end. |
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src50
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Did you apply for something? |
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puregarden
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No its not legal! thats against ur rights to ur privacy! but there are some incidences that they are oblige to check it esp. if ur getting a loan, its their way to chekck if u can pay right and ur capable of. |
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The Great Gazoo
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Yes it certainly is. I would call a credit bureau to confirm taht they checked your credit tell them you did not authourise this and ask what you can do about it. |
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Elaine K
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Is it an employer? |
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Melissa
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It is Illegal! You should start calling attornies to see if any are willing to file a lawsuit! |
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Atlanta For Life
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I don't think so. If it is legal that's kinda wrong. |
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paul b
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NO |
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