 How do I get negative things off your credit? |
I have negative items on my credit: collections, inquiries, and delinquint account I have paid some off but my score doesnt go up and on some off them it went down how do I get these off my credit
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 Online Credit Card? |
| Is it possible to obtain an "online" credit card? I want to obtain a low limit card to use for online transactions exclusively. I would set a very low limit, in order to limit fraud in ... |
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 My credit is in the toilet and I'm 37. How do I repair without filing for bankruptcy? |
| I'm studying to be come an electrical engineer and working for an field engineering company as an electrical apprentice. I pay child support for 3 daughters. I don't have a 401k or ... |
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 My mother has bad credit, I have no credit. Can She still co-sign a credit card for me? |
I'm about to turn 21 years old and I have no credit.I don't want to get an insured credit card, so that's out of the question.
My question is, can my mother cosign a credit ... |
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 What does my credit score have to be to be approved for a home loan? |
| I am restablishing my credit because I want to buy a home. My credit score now is 550... |
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 How can i get out this credit card debt ? |
| I don't have a job right now i can't pay my bills everybody is calling me to make a payment i can't give them what i do't have. one company has sent me execution payment request ... |
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 What can I do to improve my credit, so I can get a loan? |
| Got denied credit because of 3-4 unpaid very old debts that have been turned into collection agencies years ago. (3-5 yrs) The total is low, and they are hospital bills and a cell phone bill. Peoples ... |
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 I have several credit cards from years ago that I never was able to pay? |
| I am always getting letters telling me to pay the debt and the amount keeps getting higher. I am not able to pay these off in full. What should I do? What can the companys do to me if they are not ... |
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 If you default on your credit card,can the card company sue you? |
| Say you have about $3500.00 on one card and $3500.00 on another card, can you be sued for not paying?... |
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 Is 14.99% interest rate ok if you are new to credit cards? |
| it's 0% for 6 months,then 14.99%,it has variable rates,14.99% or the prime rate plus 9.99%.... |
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 What can u do if the bank agents are harassing your family coz of overdue payment? |
| I have a loan which I wasn't able to pay before I left my country 6mos ago..but is willing to settle it.The thing is the company is harassing my family..what is my legal right on this? please ... |
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 Can I get a realistic answer for getting out of debt? |
| I have read and listened to numerous "get of debt" solutions. Are these books for real? The rolling affect of once a credit card is paid off put that payment on the next credit card and ... |
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 Where can I find a good interest rate on an Auto Loan if i have bad credit? |
| I recently bought a car and my interest is 25%! That is horrible. . but I needed a car VERY bad. Where can I find a place that will finance someone with bad credit. . but have an interst rate better ... |
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Charles Merryweather | My son owes $25,000.00? |
My son who was a former addict, managed to open credit cards in my name and now owes 25 thousand which I have to pay because we share the same name. He managed to get a hold of my SSN and used it to get charge cards, now dad is stuck with the bill. How can I get out of this debt or at least manage it. I dont want to stick him with it because he is in rehab, working on his recovery and the stress will only hinder him. So whats my best option at paying down this debt and controlling it? |
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stan c
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You're lucky it's only $25,000. Our son ran up close to $200,000 over 10 years before we put a stop to it. We took out several loans to pay them off. If you do not want to go after him for the money, the next best thing to do is to put it on fraud alert through Trans Union Fraud Dept. Their toll free # 1-800-680-7289. They will notify the other 2 bureaus. It has to be renewed every 90 days in order to keep it active. |
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src50
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You can't get rid of it unless you file police reports, dispute it and are willing to finger your son as the criminal. I'm sorry to hear of his troubles, but you are enabling his unacceptable behavior by agreeing to assume this debt. There could be more out there that you don't even know about yet. |
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Jay S
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The only way to get rid of the debt altogether is to file disputes, but then you probably already know he ends up prosecuted as a criminal for it.
If you're going to adopt the debt, I would just try to negotiate some terms with the card company if they will listen to you and get the rates down. Pay it down as fast as possible. |
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daniel_200723
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well u can either pay it or report it since u didnt sign for it but then your son will go to jail for fraud |
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itsjunglepat
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Your other question says that you're 29.. so I'm going to guess that you're a liar (most probable) or that your son is an addict at 13 or younger (not likely). You mean to say that you never noticed your credit card bills or that this was done within a month? They let a kid take out that much in cash advances?
If your son is a juvenile, he's not likely to go thru harsh sentencing so you might as well report him and clear your name. Let's face it, if he's that bad at such a young age, you won't be able to handle him anyways and being locked up is probably in his best interest.. they don't tend to get tamer in the teens. If for real, it would most likely be a crack habit, and crack addicts are very prone to doing violent and tremendously irresponsible things. I'm not saying that people can't get off crack, because they can, but it's a rather strong addiction from what I hear. A few weeks in a rehab isn't likely to change a person with that strong or chronic of an addiction. |
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Emma is here!!!!! 11/14/08
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Yikes, I would call the credit reporting agencies and fight that it isnt yours and have it removed from your credit report. Then it will be moved over to your sons. I did a mortgage for someone who had a bunch of credit that belonged to his daughter on his and he got it removed. Then contact the creditors and try and work on a payment plan that works for all if you want to continue to pay so you dont screw him over anymore. |
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Net Advisor
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If your son is over 18, that is his problem.
I would challenge the creditors if he is a legal adult and state that you are not legally responsible for his debts.
You are certainly not responsible for any debt when fraud (identity theft) occurred.
Place a block on all your cards where ID must be shown for any use.
I don't have any sympathy for addicts. Virtually all addicts tend to be repeat offenders. Don't fall victim and keep on rescuing him from his crimes. You have to allow him to fail and learn from his lessons.
You may want to discuss this with an attorney for legal options and your rights. |
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Emma F
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Your son committed fraud. You should have him arrested. You do not owe the money your son does. He signed your name and unless the credit card companies can prove otherwise, which they cannot you are not liable for these bills. Send a certified letter return receipt to each company stating the fact that you did not open these cards, your son did and therefore you are not liable. The website below will help you, I suggest you email Dave Ramsey, he will be able to point you in the right direction. Your son is a thief. You don't owe the money pure and simple. |
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Stefan
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I recommend debt settlement . Total Debt Solutions partners with a company in Texas called Credit Results USA to offer debt settlement. Credit Results USA has been in business for years and is listed with the BBB. My dad used them with great results getting debt free in 36 months. He held the money in a trust account; this isn't just sending money to some faraway company each month and saying a prayer that you dont get ripped off. Check out the source website and their free evaluation form or toll free number; they can help! |
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