 Credit card advice? |
| Does anyone have any advice on the best credit card on the market. I at this time have never had one. I want to have only one credit card for emergency purposes only. but I dont want to pick a bad ... |
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 If I transfer my credit cards onto my boyfriends will I still be the one getting the credit history? |
| I have 19% apr on my 2 credit cards he only has 4% it makes sence to transfer the balance on to his but will I still be building up good credit and credit history?... |
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 Is it okay to cancel credit cards that you no longer want? |
| My friend told me that if you close a credit card account that you no longer use that it looks bad on your credit. Is this true? For example I just applied for a United Airlines Visa card that is ... |
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 Are capitol one credit cards really better? |
| I had this card for about a year, I paid 100$ this month i bought about 70$ worth of stuff, even with a zero balance I would still have around 20$ , 10$ for charges, well i checked my statment and ... |
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 How quickly can a credit score go from 400 to 700? |
| lets say i start making regular payments on a condo.. car.. credit cards... phone bill.. electric bill.. cable.. car insurance.. over a 6 month period of time... would it go up 200 points?... |
|
 Close Accounts? |
Hi, I have the following accounts:
Mastercard- $0 balance/ limit $700 opened 8/1/05
Cap 1 Visa- $0 balance/ $500 Limit opened 11/1/06
Dell Acct- $0 balance/ $2000 Limit opened 10/1/06<... |
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 If credit card debt comes off of your credit report in 7 years anyway why should i try to pay it? |
| I am in debt from when I was on maternity leave and I did not have a paycheck for 6 weeks. I am still having money problems and I can't pay the credit comp. all of the money they want, most won&#... |
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 Advice for Cleaning up Bad Credit? |
| Hi, I have pretty bad credit and want to clean it up but dont know where to begin (besides obviously paying off debts etc.). Is there a good online service that can provide you guidance on what steps ... |
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 I have not been able to check my credit report Is this mean im doing good? |
| So i havent checked my credit report or nothing since i turned 18 in May of 2007..(DUH) and I got approved for a Chase Freedom awhile back and today got approved for a Capital One card does that ... |
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 Credit card question? |
| If I have a balance of $351 on a credit card and the interest rate is 29.99 % APR how much will it take me to pay it off if the min. payment right now is $50. Also, How much money will I lose by not ... |
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 Who can I contact in regards to a law firm harrassing me about a credit card account I have no knowledge of? |
| I have been contacted by a law firm who is threatening to sue. They only have my name. No phone number (They called my parents?), no address, NO SOCIAL SECURITY NUMBER, nothing on any of my credit ... |
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 How can I up my credit score 10 points - FAST!? |
| Im trying to get a mortgage, and FHA loan and my credit score is on 570. I need a 580 score to qualify. I have opened to credit cards and have been paying them on time, they have helped my score a ... |
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 Should I pay off old debts to improve credit? |
I have a few negative credit marks on my report.
I was wondering if I should pay off debts that are only like 2 years old because I am wanting to finance a car and eventually a home...
I ... |
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 Where can you get a FREE credit report? |
Now, I'm not talking about a website where you are ultimately charged for some sort of package or program -- JUST the credit report itself.
Help?... |
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 How to Cash My Check? |
HAPPY CHANUKAH!
so I recieved a check for my chanukah from my uncle, how do i cash it? I mean I do not have a bank account at all and I am not going to get one either so how do i cash a check?<... |
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 I need some extra cash? |
| I work full time but really need some extra cash I would be willing to work from 6pm - 11pm most nights and also weekends. What type of job could I find that would fit in with those hours also any ... |
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doulike2gofast | What is the time limit for reposesion after missing a payment? |
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 |
 
SPIFIMAN1
|
Auto finance is what I do for a living and it depends on the lender, but most major lenders will not start repossession proceedings until people have missed 3 payments. |
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stan c
 |
61 days. |
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Tom
 |
As the others have stated, it varies, but on average between 60 and 90 days. It all depends on what type of contact you've had with the lender.
If you are avoiding the phone calls and not communicating, the repo will come sooner than later.
Keep in mind that the lender would rather help you if you're having temporary financial difficulty. When a lender repo's a car they lose money.
It's possible that the lender can give you a two month payment extension as long as you're able to keep the account current afterward. |
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Bumpy
|
Every company is different but from what I understand you need to miss more then one payment for them to repo it. |
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A W
 |
Depends on the lender. Some are one payment, some are 3 payments, some may be longer than that. Check the terms of your loan. |
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JackTheRipper
|
What type of loan is it? If you are going through a secondary lender (subprime). It could be as soon as missing your second payment. If you need your car, call them! I am a collections manager for a finance company and would rather work with someone than repo their car. If I feel someone is avaoiding me I will put a car out for repo much sooner than someone I have contact with. |
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viper_ej
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depends on the loan but on average about three months. other factors can make it longer or shorter. |
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Jeanna E
 |
Missing a payment on a home is 3 months, on a car it's up to the finance company. If it's a loan or credit card. Pay it ASAP. But by all means communicate with them, don't leave them hanging. That is bad business. |
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msldybug2003
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Its 45 days. |
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