 Can I take out a small loan from a bank to improve a low credit score? |
| Some one told me to take out a small loan (3 or 4 thousand) and pay off debts and then pay off that loan on time and that would increase my credit score alot? Is that true....imean can i get even a ... |
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 What happens when a collection agency fails to collect the money that is owed on behalf of the creditor? |
| I have some credit card debt that went to a collection agency and I don't have the money to pay at this time. They know this too.Their settlement options were outrageous and the representative ... |
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 Is it safe to associate my credit card with paypal? |
| Have anybody did this before? Any bad/good thing occured please give your ... |
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 What credit card is best for me? |
| I am a 21 year old Junior In college with little credit. I have less than 15000 in school loans. Do i want cash back, points? I know of ppl that were late and thier interest shot through the roof?... |
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 If I do a balance transfer to just one credit card from 2 will it hurt my credit? |
| I recently got 3 low balance high interest rate cards. I got approved for $750 recently which was the highest and it has 0% for 12 months. Obviously I want to do a balance transfer but I am afraid ... |
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 What is the best Credit card? |
| What is the best Credit card offer out there for someone with good credit & pay history. I'm looking for something with low fixed interest and a points reward system... recommendations?... |
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 A cr. card company suing us in small claims court for a debt that is not on our credit report? Can they win? |
Additional Details
My fiance' doesn't even know if this is his debt? Since it is not on his report- how can we know? How could the collector prove that? I mean, it is pretty ... |
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 What's a good credit card for a 21 year old? |
I'm 21, and looking to build credit.
I'd like to apply for a card today, but first I thought I'd ask all of you which cards you would suggest for me. What's a good, reliable ... |
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 Does having too many credit cards have a negative affect on your credit score? |
| I have 2 major credit cards (one visa, and one mastercard), 1 debit card with the mastercard logo (I'm not sure if it's techinically a credit card, I don't think it is), and 3 credit ... |
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 I'm being charged a late fee on my credit card. Is this even a reason to be charged? Any advise? |
| I'm being charge a late fee of $40 for nothing!! I owed $27 for the month but after I returned something and got the credit on the card the balance was $1.06. I sent it on time and everything ... |
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 I need Help!! I have bad debt!? |
| I would llike to obtalin a loan to pay off all of my debt an no lender is willing to give me a chance. When I first turned 18 years old i was careless ran my credit cards and uitility bills up and ... |
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 I have claimed back bank charges from my bank? |
| i have claimed back bank charges from my bank,totalling £1250 and they have sent me a letter offering me £725 as a gesture of goodwill that they will credit to my account if i accept it.However i ... |
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 What is the best way to build ur credit score? |
| I have minor stuff in collection and ive been told that it doesnt effect me much. should i pay it off? would that improve my credit score after its been in collection?... |
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 I have not so good credit my credit score is 593 and I want a credit card for the holidays? |
| Is there anything I can do to get a guareented credit card or a company that is willing to offer one to someone with my score... my credit report only has medical bills and 1 $50.00 blockbuster thing ... |
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 I am thinking about cancelling some of my credit cards, will that affect my credit? |
| i have a couple of cards, but am thinking about cancelling one or two, both of them are paid off. will that affect my credit in any way? my score is already at a low 568. i am trying to increase it.... |
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 Still on collection report after 7 year period (1999)? |
Ok.. was reviewing my credit reports and found numerous debts that are passed the "7 year mark", however they still appear on all 3 CRA (Equifax,Experian and Transunion).
What is the ... |
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 Is it true that when you marry someone you both have the same credit score? |
| Okay.. I have worked really hard to get my credit right. The guy i'm about to marry has bad bad credit. Is it true that when we get married, I'll also have bad credit , the same credit that ... |
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sbecknerjr2000 | What would you do if you had a friend that you had a joint credit card account with and they weren't paying. |
Was trying to help someone build there credit but didn't know there credit was so bad. Tried switching card to them solely but with there credit so bad can't. Also having a hard time getting them to pay on card. |
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unsersmyboy
|
Guess lesson learned. You NEVER do this with a friend and family is questionable. You have to worry about your credit for the rest of your life, so you need to be in control of it, not someone else. |
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mely
 |
End the credit card. tell your friend if they don't pay you will take legal action. |
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jannie
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cancel the card to begin with
then go to their door and shoot their kneecaps , just like the loan sharks |
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teachingazteca
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Take them to small claims court.... |
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spot
 |
I would close the account. If the amount your friend owe is not astronomical, go ahead and pay off before closing. Tell your friend to pay you when he can. He will be either your friend and pay you or stop being your friend. Still better than ruining your credit. Don't ever cosign anything with a friend again. |
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SJB
 |
Will youre not smart for getting a joint credit card account with a friend. You should call the bank and see what they say, try to cancel youre half of the account. |
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LVLYLDY98
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ONE dont EVER EVER EVER do this again. truth is all you can do is pay the bill until paid off and then sue this person in small claims because if you dont then it will continue to mess up your credit and they will get away with it. because basically a creditor goes after the person that is capable of paying the bill. we (because i am a collector) don't care about you having a job to pay it. we will take the necessary actions to get you to pay. |
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paolo
 |
do the same....................... |
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bayareasportsfan
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He/She would soon be an ex-friend. |
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MOI
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Call company, cut off card, and sue your friend, and never, never do this again. |
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kalamity
 |
Stay away from bad financial risk people!!!!!!...some people never grow to be financially responsible. Don't risk your own credit rate...it will hurt you in the future. Trust me on this one.....
Contact the credit card company and explain your dilemma and ask to cancel the account.... Hope is not too much money owed...
try and collect from your "friend" or cut your loses and chuck it to lessons learned in life. Live and learn! |
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