 I went over my credit limit by 11 dollars? |
| My credit card limit is 300 dollars a month, and i used 280, but they charge me my annual fee, and it went over to 311, but i paid off the whole credit card, will my credit score go down?... |
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 Is this legal? |
| I had a credit card over 2 years ago. I lost my job, so I called them and made a deal (yes it was in writing) about my payments. They did not hold up their end of the deal, ended up charging off my ... |
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 How long does it take to raise a credit score? |
| I just got my credit reports from two of the credit agencies. My score was 550 on one and 625 on the other. I've started to talk to a few collection agencies and have sent payments in full to a ... |
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 How long does a bad credit entry stay on file if it is not paid? |
Additional Details
i won't just pay it because of the principal that i do not owe it but can not get them to remove it from my file after months of arguing about it time and again.... |
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 Can a buisiness charge a fee for any credit card transaction? |
| I live in San Francisco. In my old hood the corner store charged you for credit/debit purchases under a certain amount. My new corner store charges 50cents for any and all card transactions. Is that ... |
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 I've been told I have NO credit..how do I get some??..I have owned a house so I should have credit? |
Its hard to get a loan with no credit vs. bad credit
Additional Details
banks dont have to repor t credit so its not instant credit if you take out a loan and re-pay it even if its on ... |
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 Has anybody had any luck with debt consolidation through one of those companies? |
| Im about 10 grand in the hole! I have been missing payments to credit cards lately, and have medical bills that I haven't even considered paying. I just make sure I keep my rent, and my care ... |
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 Paying off credit card and overdraft debts? |
I have £3,500 on a credit card which is 16% interest rate which works out at approx £80 interest per month on top. I also have an overdraft of £600.
I have gone on to uswitch but ... |
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 When a credit says they ae going to take you to court for an 8 year debt are they lying or can they do that? |
| When a credit says they are going to take you to court for a 7 year debt are they lying or can they do that? I got a call from a "lawyer's office" saying that If I dont pay I will be ... |
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 Will i be able to make complete a transaction that exceeds my Credit Card limit? |
| i got a credit card with a limit of $500. its new so i havent used it yet. i can pay off the bills and wat not but i wanna know if i pay a ps3, an extra controller and rainbow six vegas, will i be ... |
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 What should you do when your parents taken out credit cards in your name and been using it? Also been late? |
| I love my mother very much but when i rcvd a call from collecters stating i have 5 credit cards in my name, i was very upset with her. I dont want to charge her with fraud but i need these neg- ... |
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 Collection Agency Question? |
I've heard conflicting information so I'm looking for some definitive answers. With regard to collection agencies:
1. Can they actually sue you and/or even collect the debt in ... |
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| Having "TOO" much Credit? |
Ok.
So I was told at the tcar lot today that I have too much credit and can't get a car.
I pay every single bill on time and have mulitple credit cards that i pay on time.
... |
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asia c | Someone I know did something very bad to me? |
Infact she messed up my credit score when I was trying to help her. I know her social security number but I don't know her drivers license number, how can I get her back and make her pay for this?
....To those of you who will be offended by my question, just report me and keep it moving, I don't want to know what you think about what I'm trying to do, it won't change my credit score. Just give me some advice on playing the game.
Additional Details
I co-signed for her and she has yet to make the payments on the loan. |
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lingua06437
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Identity theft has consequences if you are caught. Don't risk going to jail or paying fines just to get even.
Take your friend to court. Make her pay everything. What ever it is you signed for - have it reposessed.
In the future, if people give you a problem about this - explain that it was because you consigned something with a dead beat.
Two great sites for dealing with credit related issues and identiy theft: scambusters.org and bankrate.com.
Good luck. |
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Mariposa
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Report her to the police or sue her for damages. |
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rrunnerv
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If you have documentation take her to court for any money she may owe you. And you can dispute it with the credit agencies. |
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MadforMAC
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You need to take her to court. Getting even is childish and doesn't do you any good. Take her to court and get it solved legally. This way, you can begin to clean up your credit and move on. You hold on to anger and revenge, you hurt yourself and no one else. |
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coreys1247
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You took a risk when you co-signed for her.
Unfortunately there is nothing "legal" you can do.
If I were you, I would confront her and ask to to sign a repayment letter.
This will hold up in court.
You do not need to enclose the details of the loan you cosigned on, just write, I "name" agree to pay "name" the amount of "$.00.00" the total amount of "$.00" in monthly installment payments of "$00" beginning on 2/2/2000.
If I default, I will owe the entire amount all at once.
Signature X_________________
She should have no problem signing this if she agreed to pay the original loan.
Or you could have her refinance the loan with herself and another "trusting" cosigner.
Dont do anything illegal.
If you use her social fraudulently, you are commiting a felony.
Then you my dear, will be sitting in a cell because you wanted to get even. Who would be the winner then?
Dont ever cosign for ANYONE!
If you need help dealing with the effects of this on your credit, this coompany can help: http://www.expert-credit-advice.com/credit_repair_service.htm |
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Topsy T
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Civil Court if you have documentation. |
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Katetrinity
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Talk to an attorney. If you co signed and she has not paid, you are responsible for the loan. An attorney will threaten her and it will have more of an impact on her than you would.
I am sure she is not worth going to jail for, so why chance it? |
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~~
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Well, its pretty dirty, but Id put her SS number all over the net. Criminals will see it and run with it. I agree with one of your other answers, those who play should pay. |
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Kerri B
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Are you serious? How did she mess your credit score up? Did she get a credit card in your name and rack up a bill that didn't get paid? That's the only way I know of to mess up your credit score. Also, everytime you apply for credit, a credit report is pulled and you loose points because you are accessing credit. So applying for tons of credit cards would definately hurt you.
Are you sure you want to do this? It's against the law and you could go to jail. It hurts now, but if being arrested is something you don't want on your next job application or resume? Just a thought. |
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wild&free
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I agree with you, those who play must pay!! First i would be 100% sure she stuck it to you. if there is any doubt leave it alone. Start by applying for a bunch of credit cards in her name of course. if you get some you need to decide if you risk using them (you may be caught). if you think it's worth the risk, go for it. My brother stole my parents credit card and ran up about $6000 before they found out. so go wild--new ward robe, lots of cash advances, the whole deal. sometimes the only way a person will learn a lesson is to be given a taste of their own medicine!! |
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