 I applied for a credit card, but have since changed my mind? |
If I get approved, do I have so many days to change my mind and refuse it? Or do I have to accept it and then cancel it at a later time?
I don't have any credit cards and in a moment of ... |
|
 Buying stuff online with credit card? |
| if i buy sumtin online would the persons that i use credit card find out the place i ordered it to? like if i took my bros credit card and bought a jabbawockeez mask and put my friends adress down ... |
|
 Need a credit card with a high limit but I have bad credit? |
My credit score is 506 and I am traveling to Germany but I need a credit card with at least a $2000 limit or more to pay for my airline tickets.
Additional Details
I only have bad credit ... |
|
 What do you do with unsolicited credit card offers? |
I find them potentially dangerous. Yet I still get them despite having OPTed out at the credit bureau.
I usually send back the prepaid envelopes over-stuffed with junk mail. What do you do?... |
|
 About my credit report? |
How can I find out who I owe money to and how to pay them back?
How soon after I pay off my debt til my credit score improves?... |
|
 Why do employers require a credit check? What exactly are they looking for? |
| Why do employers require a credit check? What exactly are they looking for? Will a recent bankruptcy keep me from being hired?... |
|
 How do you mail money? |
| i ordered somethin but i dont have a credit card or check so i checked money order. but i heard if u put money in the mail, peopel steal it or the mail comes right ... |
|
 I was a passenger in a car that was rear ended, the car that hit us was insured, why am I responsible? |
| This incident happened in January of 2004. I was in the car with an Army recruiter, and the car was rear ended by a truck, It was the driver of the truck's fault. Well I went to the hospital ... |
|
 Which credit card is best for me? |
| I'm a college student and I have never had a credit card. I want to apply to one but Im not sure which one would sute me best. I have known that some credit cards will charge just for having ... |
|
 Does it help my credit score to payoff a charged-off credit card from 5 years ago? |
| Long story short, I was young and stupid, and let a $500 Capital One credit card bill go to collections and never paid it off. Now, of course, it is damaging my credit report. My question is not ... |
|
 Is it safe to order online with a debit card? |
| I just got a debit card because I'm going to live at my friends house during the summer, but there arent any stores close by. Is it safe to use a debit card to buy stuff online?... |
|
 I need a loan shark today? |
| Im living in essex and i need a loan shark today or tomorrow lastet please ... |
|
 Help..I'm sinking. i've got too many payday loans and not enough pay cheque....how can i get out of this |
| I think that's i've just trapped myself...i keep sinking deeper and deeper, the reason i have them is to pay off the other ones. How to get out of this situation, something is going to go ... |
|
 I have the same name as another member of my family can they be refused credit because of this? |
| We live at different addresses and i have a good credit rating, but my name is linked to theirs when they do a credit check, they have described some credit that i have how can they have access to ... |
|
|  |
kiki | Should i pay my over due credit cards first or save for a car? |
my overdue cards are 5 yrs old
Additional Details
even though im not legally obligated to pay it keeps appearing on my credit report |
 |
 
tonalc1
 |
What do you mean you're not legally obligated to pay? Did the companies charge you off? It's going to stay on your report for at least two more years.
If you were charged off, you still owe it; pay it. It'll be better for your credit report and will allow you to get a better deal on your future car loan. |
|
fp2day_03
 |
yes ,you should pay off existing debt before incurring additional debt - reason: credit worthiness, if you cannot pay the credit cards how will you be able to pay a car note.
however, you said your not obligated to pay, did you file bankruptcy and they were discharged? what communication did you recv that gave you the position that you no longer are responsible? only thru bankruptcy can you no longer be hld liable for the cards - in that event according to the cbr(s) the debt will remain as a discharged debt on your cbr for 4-10 yrs depending on the credit reporting agency. |
|
thnderdan73
 |
simply call the credit card company...make arrangements to pay a set amount every month... no fluctuations in the payment plan. They should show this on your credit report. That will help your credit to recover, while you can purchase your car. Unfortunately, I think you shouldn't purchase anything more than a beater because you are in debt. People need to learn how to manage credit and their finances early, rather than having to learn about their mistakes when they are unable to get loans for important things (ex: student loans, home loans). Take a bus or ride a bike. The great thing about a bike is you can claim that you want to stay in shape, and people will applaud you for it. They wont ever suspect how cheap you are being! |
|
ampotratz
 |
Get out of debt FIRST! You will be glad you did this every time you need anything requiring a credit check (like buying a car - you'll get a better rate). Plus, it's just good to always be out of the negative. ;-) |
|
reggiewjr1
|
If they are 5 years old, and have been charged off, I would say nottotouch them. Paying onthem will make themlook like a Current derogatory item, rather than an aged one, which will most certainlyeffectyour FICO score poorly. |
|
Studly
|
<giggle> Don't you love all this "pay your bills" nonsense?
If you are sure the SOL has run out on these debts, then IGNORE THEM!
Whether you pay these or not is NOT going to help your credit score. Any talk that it will is fiction. You will still have poor credit, and see how easy it will be to get a loan on your new car.
Save your money and pay cash for your car, or at least have a very large down payment. That will help to convince the dealers to offer you financing (maybe at a high rate).
In 2 more years all those negative reports will be remove from your credit. Then you will be ok. |
|
Chat
 |
Credit card first! |
|
dshcpa
|
get out of debt first, if you wait long enough...you'll pay double for that car you're saving for just because of the interest |
|
blair1813
|
You are in a prime position to make a deal. Call the creditor and offer 1/2 of your balance. They will often times take that, maybe less. Then move forward with the car. |
|
hopflower
|
Pay off your cards. It shows you are mature and can handle and honour a deal. |
|
Mash
|
Buy a lottery ticket i guess- that will solve both your problems |
|
ShouldBeWorking
 |
You'll always be legally obligated to pay, unless you filed for bankcruptcy. They'll appear on your credit report for five years; longer if they are then dragged out to a collection agency or lawyers. If you still own money it's probably not best to invest in a car, also you may have trouble getting a loan with outstanding bills. |
|
jettalady
|
you should pay your credit card first if you dont you wont get a car because your credit sucks |
|
?
|
You should definately pay off any and all loans (and credit cards) as quickly as possible. |
|
tim w
|
don't save for a car take care of your debts first. you can finance a car! |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
15 | 9 minutes(s) ago
| | | |
14 | 31 minutes(s) ago
| | | |
16 | 39 minutes(s) ago
| | | |
15 | 2 hour(s) ago
| | | |
15 | 3 hour(s) ago
| | | |
15 | 7 hour(s) ago
| | | |
15 | 1 day(s) ago
| | | |
15 | 2 day(s) ago
| | | |
15 | 6 day(s) ago
| | | |
15 | 2 week(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
