 Why do they say bad creditors will leave your credit report n 7 years? |
| I am tryin 2 clean up my credit and researching 2 learn more about my credit report, but there r items that is on it that is older than 7 years. they say creditors come off after 7 years?... |
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 How do i go about closing my credit cards with balances on them.? |
| Do i just call me and tell them and keep makin monthly payments on them.... |
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 Help! I'm being sued by creditor! I already answered summons. What now? |
| I added this creditor to a debt management program 2 years ago & I have made substantial payments every month for 2 years to Plaintiff's attorney. (That's what creditor requested) I ... |
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 Can you use a debit card to by stuff on ebay?? |
| i'm pretty new to online shopping and debit/credit cards, anyway, wanna ask, can we use debit cards to by stuff on ebay just like you do for credit cards?? kinda confused about debit cards... i ... |
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 Credit cards? |
Additional Details
how do I get one and what is the best way to go about it? Recomendations?... |
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 If you have really bad credit, and want a credit card to rebuild your credit.....what credit card? |
| I'm trying to get a credit card to build my credit back up....and I have really bad credit....what credit card can I apply for, and get accepted?... |
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 Walmart credit card? |
| I am thinking about applying for a walmart credit card but I dont really have any credit at all because I am 21 and I go to college and still live with my parents, but was wanting to have one because ... |
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 Still needing answer for bad credit unsecured loan need 5k my experian has dropped to 524 & prosper denied me? |
| Every time i apply for a loan my credit drops it was over 600 my problem is that i have 16 accounts but all are current but not for long if i cant get the help. x-wife decided 2 go through the state ... |
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 Is it illegal or some type of fraud to use business credit cards for personal use? |
I'm not talking about maxing them out, but using them instead of personal credit cards, say, if the business closed. The business cards don't show on the personal credit report.
A... |
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 Whats a joint account?? |
| umm my sister was applying 4 mastercard and in the application and they asked her for her joint ... |
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 What if I defaulted on a credit card? |
| First let me say that I have several credit cards. One though has really begun to screw with me. First they raised the interest rate to 21.9% and now the monthly payment is unreal (I have never ... |
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 Which is worse for your credit? Continuously missing payments, or filing bankruptcy? |
| I keep getting letters in the mail from creditors about my deliquent accounts, and am wondering if I should file bankruptcy or not.... |
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 I am a co-signer on a car loan and it probably will get repossessed, what are my rights? |
My father and I are in a car loan together. He is the primary and I am the co-signer. He has the vehicle and he is defaulting on it. How will him defaulting affect me if it is repossesed?
A... |
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khellsee yo | Someone used my credit card and told me they would pay me back but haven't, can i sue them? or just deal? |
An ex boyfriend of mine you'd my credit card to make ALOT of purchases. I alowed him with the agreement he'd pay me back. But has not and it's been over a year! The credit card yes, was in my name. But, when he'd sign the reciepts he'd sign his own name? can i use that to my advantage or just deal? |
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Reality Check
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You absolutely can sue him. You need to go to your area court house, and file a small claims suit for the damages. If they were for purchases that you were unaware of, or personal purchases he made that you did not authorize or agree to, then yes.
If they were purchase he made for the both of you, for your residence, or anything you both share (or that you still posses), and you gave him authorization to use it...then no.
The judge or magistrate will bring this up, and you can assume he will deny using the card without your explicit authorization for each charge. |
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Alterfemego
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That was a very foolish thing to do. And no, you gave your permission for him to use it. You need to make good on those charges. Maybe next time you'll think twice about this kind of thing. And don't every co-sign for something either! Obviously he got what he wanted. |
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rebecca d
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Since it is your credit card, you are responsible for paying the credit card company whether he's paying you back as agreed or not.
Even though he signed his own name on the receipts he did so as an authorize user as per your agreement therefore claiming fraud at this point only purgers yourself legally.
You CAN sue him in small claims and make him pay his balance plus your court fees and any interest.
Take this as a lesson learned the hard way. I had to do the same thing except it involved a car loan and in the end I had two car payments and almost destroyed my own credit rating. |
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stan c
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I doubt if you can sue in court since you waited a year. However, you can sent a letter, 1 regular. 1 certified stating unless he pays the amount due in 5 days, you may take others actions. Please note that i said "you may take other actions", not that you" will take other actions". Make sure you make a copy of the letter. If the certified letter comes back unsigned, do not open it because that's the only proof the letter was sent. If he offers to settle for a lessor amount, you should take. Make sure he gives you cash and confirm in written that a settlement has been made and paid in full. |
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100% Organic Snarkâ„¢
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Your first mistake was "allowing" him to do it at all, even after the fact. You in effect GAVE him your consent. It doesn't matter one iota how he signed the receipts. You are responsible for the charges and good luck suing this guy. |
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just a man
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Small claims court. |
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Tamara M
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You can take him to small claims court. But you shouldn't have waited a year to do something about it.
Best of luck. |
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Beck
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If he has dumb enough to sign the receipts with his own name, I'd report those charges as unrecognized and unauthorized. The probalem is, if it was over a year ago, then the credit card company probably won't do anything anymore. Try to sue.
And to everyone else, just see how easy it is for someone to use your credit card if they steal it. Tons of places don't ask for ID and don't even look at the signature. |
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