 Bad credit? |
| have no job and in debt by 2.000, but try to get something to put four payments into one so i odnt keep missing payment as its hard to keep track of what needs paying next and who needs payning , ... |
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 Uncollected debts removed from credit report after 7 years. Correct? Can debts be sold again for collection? |
| Financial difficulties left me with credit card debt. Some came off my credit report after 7 years. Since then I've paid balances in full and done everything to keep my credit in good condition. ... |
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 I have a crdit score of under 550. Can I still get a car loan? |
| I have a down payment of about $1000. Know of anyone who will fiance me?... |
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 I tried to get a loan and no luck. Any other suggestions? I need this now, please help? |
| I've tried web sites, Ive tried my bank, I need a 2 or 3,000 dollar loan now. I have two jobs, bad credit and well, i need help.... |
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 Where can i get money very easily? |
| some contasts that will very easily get ... |
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 Once you have paid a collection bill, does it come off your credit report? |
I just ran my credit report and I have numerous accounts showing that I still owe them when I know they have been paid.
Additional Details
Also, once they verify with the credit bereau ... |
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 An agency is trying to collect a debt I have from 12 years ago, isn't there a statute of limitations? |
I owe sears like $300 from twelve years ago. I was young and stupid and actually have paid off thousands in credit card debt since then.
Here's the facts :
The debt is from 1995, ... |
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 Credit card information? |
im 18 and thinkin about gettin a credit card
anythign i should knwo before goin into it ???... |
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 Why do Americans think a credit card is one of life's essentials? |
Additional Details
if you dont want to drag cash around you can always use your debit card instead of always getting ... |
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 If a Credit Card Company closes your account can they still raise your interest rate? |
| I have been dealing with Chase for years. First it was Onbank. The creditor closed my account years ago. Unfortuanetly I ran into hard times, I was left a single Mom with small children to raise. I ... |
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 Rip off artists....is this a scam or what..anyone else heard of this.? |
| Just got a letter in the mail with a check for 4.700.00. The letter said we won a lottery. Informs us to deposit the check in the bank..then send 2.700.00 via Western Union directly to the tax ... |
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 Paying off car? |
| I have saved all the money in a savings account to pay off my vehicle. The only thing is I am trying to find a home to purchase and I was told that if I pay off my car now it will make my credit ... |
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 There is interest payable if you take cash from ATM on a credit card, but is it same for cash back from Tesco? |
| Lets say I buy items for £25 using credit card and take £50 as cashback on same card from any store which provide cash back facility, do they consider as a single transaction of £75 or two ... |
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 Is it better to leave credit cards open after u have paid them off? |
| i have a mc which im keeping open and activily using and also an old navy card that im using i just paid off my target and gap card and i also have a victria secret that i have never used and im not ... |
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perfectlybaked | Will cutting (cancelling) a card end unauthorized charges? |
I'm wondering if, in the event of identity theft, a simple call to the card company to cancel will disable the thieves from further use of the card and the numbers that represent it. Is it that easy? I make plenty of international online orders and want to make sure what the deal is on financial "defense" in the event of a mishap. |
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scifidiva
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First of all, a CALL to a credit card company to cancel a card doesn't cut it. You MUST put your cancellation IN WRITING in order to be effective and to create a paper trail in case something goes haywire. I would also send this type of letter by a method that will get you a delivery receipt so they cannot say they 'never received it'.
Secondly, as mentioned, if the account has a balance they will never actually close the account, and other charges can get thru. What you would need to do, additionally, is make sure that you notify the card company that you've been the vicitim of ID theft and fraud and any charges after a given date are the result of the theft. Again you MUST do this in writing.
#1 rule.. if it ain't in writing, it never happened !! |
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spstecher
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If you or anyone you authorize to use the account has given that account number out, the other company can gain authorization. Authorization can be granted prior to your closing the account, and may be used after you have done so, so cutting or cancelling the account will do no good. As an employee of a credit card company, I have seen many "unauthorized charges" come through, simply because the biller is using an authorization code they were granted months in advance. |
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krazy
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as long as your account has a balance technally it's still open |
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Angela
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Yes. Call them immediately and the card will be declined amy place it is presented. |
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Bill S
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a reputable card business will resolved disputes |
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Phillip R
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well, of course it will. |
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auntb93again
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Once you have canceled the card, even if there are further charges against it, you should not be held responsible for them. I say "should not," because it's entirely possible you will get another bill, and you will have to call the credit card company and explain that you did report it on such-and-such date, and therefore the charges after that date are not your responsibility.
If, however, you know who stole it (a family member or something), you are obligated to pass that information on to the credit card company, or to the investigator they assigned to the case, if any. |
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DL
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Yes, if you call the CC company and cancel the card, then no new charges can be billed to it. |
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opentogainknowledge
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Read cardmember agreement of ur card issuer carefully...particularly the small letter words |
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teh_sexi_hotttie
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Sure. As a side note, are we twins or what? :D |
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John H
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Canceling the card will from this point in time stop all transactions; however any processed prior to the cancellation of the card will process. You can file a Cardholder Dispute Inquiry Form to dispute earlier charges. |
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kc
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you should call them and tell them it is lost or stolen and inform them of what specific charges are not yours. they will take those charges off of your account and investigate it. it happened to me and i called, they removed the fraudulent charges and then they just change your account number to a new one but CANCEL THAT CARD IMMEDIATELY - just change to a new account. they will know what to do when you call!! the sooner the better for u |
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