 Will not paying off your credit card completely in a month hurt your credit score? |
I got my first credit card last year, I've used it a lot and got a few credit increases, and have paid it off in full at the end of every month.
However, this month I've spent ... |
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 How do i get $4000 by April??!??! I really need it...? |
and i dont have a co signer or a loan
Additional Details
no co signer or ... |
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 How bad can medical bills affect your credit?? |
| how bad can medical bills affect your credit? I was informed of a medical bill that has been reported. tell me the bad news.... |
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 Who has to pay his father debt? |
My friend's dad is in jail since a couple of months. He owns some money in credit cards. Who will have to pay for the debt? Since obviously the father will be unable to pay
Additional D... |
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 What is better a credit or a debit card? |
| mainly using it for online purchases and buying things like clothes, shoes, phones, etc...... |
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 Aside from shopping convenience, what are other advantages of having a credit card today? |
| I intend to avail a credit card for myself. But before plunging in, i would like to know if i really need it. Is credit card a boon or bane?... |
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 How come NO ONE will give me a loan or credit card when my credit rating is 652? Is it THAT bad? |
This is all so confusing.... I get declined wherever I apply for this stuff and nobody can help me and now I have all these inquiries on my report and.... UGH. Shoot me. =/
Why is it everyone ... |
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 Pulled my credit and scores are 609equifax, 642transunion, 672experian. had 2 car loan 1- $28k and 1-$21k..? |
| paid off the $28k loan early last week (sold car) so now I only have 1 car loan at $21k. Wondered if that 609-equifax score might increase because of the $28k debt being removed. I need it to go ... |
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 I have had a cash payment put into my bank account of £270 and it was not me or anyone I know. what do I do? |
I am not going to " steal" it but if someone has paid into my account by mistke will they get it back or will the bank keep it?
What do I do?... |
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 Is it bad to have a high credit limit? |
| I want to increase my credit rating, so I have been putting small purchases like trips to the grocery store on my card. I pay it off every month. I have had this card for over five years, and have ... |
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 I need help or suggestions??? |
| I'm just starting my credit and I have nothing on my credit report, I mean 0, nothing, nada, what can i do to start building my credit, some finance companies and banks dont want to give me ... |
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 I am a authorized user of one of my mom's credit cards and? |
| I made this card so that I can get credit(had no credit) this was about 3 years ago. I recently pulled up a credit report and saw that my mom's credit card had about 50 percent balance of the ... |
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 I have a credit card question?...? |
| I have been trying to find a good card that will accept me. i dont have the best credit but isnt there some cards out there that i can apply for and actually get it?... |
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 Is it better to...? |
cancel your credit card accounts or keep them open.
Does this help your score more if you have open credit or canceled ... |
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 How do I get an car loan with bad credit? |
| I am trying to finance a car but on my credit I have a few charge offs and a judgement. I would like to find a loan from a fianance company rather than going to a buy here pay here place can anyone ... |
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 Convert a visa gift card? |
| i have (4) $500 visa gift cards issued by wells fargo, i really want to use them to pay my CC bill. obviously you cant use one credit card to pay another. is there a way i could convert it to cash? ... |
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 Using my dad's credit card? |
| I went to my college bookstore today to buy books and I was going to use my dad's credit card but they didn't allow me to. They told me I can come back tomorrow with his I.D...the thing is I... |
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vp33333 | What can we do to protect ourselves if a relative decides to commit identity theft? |
A relative came and stayed at our home for a few days. They had access to our home when we were at work and so they could have easily gotten all of our information. Now I find that they have stolen from other relatives and committed identity theft in the past! Is there anything we can do to protect ourselves from accounts being opened or loans made in our name? |
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tagi_65
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Yes!
The first thing you need to do is notify your bank that this happened. Many banks will offer a free credit protection program for people who may have been victims. If they don't, they can refer you to reputable businesses who assist you in monitoring your credit report. Anytime someone tries to open an account in your name or do anything with your social security number, a red flag goes up.
If they are granted a credit card, you will immediately call that credit card company and cancel the card, telling them that your identity has been stolen and you are not responsible for any charges made.
I would also file a police report - they won't be able to do anything without proof it occurred - but as soon as this person does anything, you've got backup that you practiced "due diligence" in protecting yourself.
Good luck. |
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IWIU
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Have all 3 of the credit reporting agencies put a notice on your record, that will help alot, but not completely.
Put a password on your telephone account.
Check your credit report every 2 or 3 months for a little while.
You aren't responsible for all the charges, but it's a nightmare when it happens and takes time to clear up. |
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Rosy
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Step 1 - Make a police report & please inform that you suspect your relatives has took them.
Step 2 - Inform your banks involved as they will put a mark on your record and alert the officers which will be approving your loans or any other banks who call to check on referrals
Step 3 - Dont ever signed anything that you have no idea about.
Good luck |
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katrina
 |
Go to your bank and check your credit card. Make sure they have not taken anything out from your ATM. Change credit card number. And check out your loans at the the bank. Make sure you are all right. And the next thing I would do is turn your relative to the police. Before he hurts anyone else in the family. And wipes out their money in there credit cards. And loans. I heard they can get into your checking account. That's what happened to me. It was last year. I was on amazon.com I got this email. It said it was from them. They wanted my password and my personal info. They said if I didn't, they would take me off there selling list. And dopey me I believed them. I really thought it was really from amazon.com They sent the mail like 2 weeks before Christmas. Well I had a bad feeling I did something wrong. We went to the bank. And they traced it back to "ROMAINA" AND THEY GOT INTO OUR CHECKING ACCOUNT USING THE PASSWORD FOR THE ATM MACHINE. We were blessed they didn't head for the credit card. Well get it checked out now. Wish you well. By the way The bank gave me this number to call. It was the police. He was stern with me. That I gave information out. I never do it again. Never trust emails again. The police said that's what people do. If you can't trust relatives who can you trust. |
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LA LA
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You have access to a free credit report every year. So take advantage of that, not only do you have to worry about that relative you have to worry about others also. Especially if you use your card on-line to sites that aren't completely secure. If you do find something on your credit report that looks fishy. Get the address of all three credit agencies, Experian,Equifax,and Transunoin. Request your free report and you must file a dispute. A hundred words or less. After that occurs get in touch with each company that you see on their that you didn't authorize any type of debts. Once so they will have to investigate ,return your money and they could possibly face criminal charges (depending on you) for using your information without you actually giving consent. I hope the advice that I have given helps you. Good Luck and God Bless you and your family. |
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?
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sleepin with the fishes,concrete shoes, accidents happen...that's how it's done in the FAMILY. CALL THE POLICE. don't invite them over. when they do come over..make a scene..they won't come back.
-m |
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deb1975@sbcglobal.net
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Contact your bank and let them know what happened, and possibly could happen. Get a credit report every 6 months to monitor any activity not made by you. Contact your credit card companies...they will "kill" this account and issue you new cards with new account numbers. Change your PIN numbers if you had them written down and this relative could have found them. Now that you know what this person is capable of...distance yourself and don't allow any future visits unless you can be there |
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hakeem
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You have good answers on here. But I'd like to add that when it comes to identity theft, people are mostly concerned about their credit. But don't forget that person also has your SSN number. Get a copy of your Social Security Earnings and Benefits statement as soon as possible to make sure that no one is using your social security number for employment (by selling it to illegal immigrants) |
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johnbndallas
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sadly very little but you can notify the credit reporting agencies and have your report red flagged ( they can give you the details about password protection - it varies from case to case ) |
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