Archive for April, 2009

If a credit card has been charged off, will it still have to be paid?

Thursday, April 30th, 2009

dazed and confused asked: I found out my daughter ran up a credit card of mine to a very, very high balance. I thought the card was closed out a long time ago. Now this lawyer is sending me letters saying they are going to sue me for the amount. I ran a credit [...]

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Does not paying a time share purchased in Mexico have any effect in your US credit report and credit score?

Wednesday, April 29th, 2009

chetam asked: I have a dispute with a time share that I purchased in Mazatlan, Mexico. Contract says that is governed by the laws of the State of Sinaloa, Mexico. When I purchased it I had the contract ammended so the annual maintenance fee would include taxes, as I was verbally told. 10 years later [...]

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What Are My Rights Regarding my Credit Report?

Wednesday, April 29th, 2009

AshJ asked: I am a full time student and a loan department lost my ‘in school deferment’ paper work. I was sent a bill and immediately called the loan department. In the process of filing new paper work and proving my case my payments became 60 days past due. When the 60 days passed due [...]

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Where & How can I report identity theft?

Tuesday, April 28th, 2009

clicker asked: My 78 years old mother is a victim of identity theft. someon out there is using her name, & ss#. I did an annual credit report check on her name, & there is a credit card with $5000.00 credit limit on her account that she was’nt aware off. Please let me know [...]

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i need to cancel my account at annual credit report.com?

Monday, April 27th, 2009

ITALiANA asked: please get me the phone number to talk to a real person to do that!
they have my credit card info and I dont wanna be charged 14 every month for being sighned up!! so I need to cancel it ASAP!!!!Erwin Soldow

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Why is it so hard to get a credit report showing all three credit bureaus that includes your credit score?

Saturday, April 25th, 2009

SCUZE-ME asked: It’s MY credit so shouldn’t I have easy access to it? I know there are places that you can get an annual credit report but, I think, that’s only from one agency. And I know there are places you can pay for one as well but, again, it’s MY credit so shouldn’t I [...]

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My credit score is unavailable after paying ?

Wednesday, April 22nd, 2009

Vanilla asked: My credit score unavailable on Transunion?
I recently went to annualcreditreport.com to get my free credit report and I also signed up for my transunion credit score for about $7.95… I printed out my free report but …. the credit score is not showing up even after I paid… when I click on see [...]

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What can help me get approved for a student credit card?

Monday, April 20th, 2009

scu frosh asked: I recently got declined for the reasons below which is from an online letter. what can i do different?
“Your consumer credit bureau score from Trans Union is too low (See below)
Amount of annual income listed on the application is insufficient or missing.
High utilization of credit lines or insufficient utilization information [...]

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annual credit report says I have a morgage?

Sunday, April 19th, 2009

dasmygurl asked: This is the 2nd time I did an online report thing and it shows I have or had a morgage in 2000 (which I didn’t). I used equifax and people search. How can I get more information on this, My ex and I were seperated at that time(2000) but still legally married [...]

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Can anybody suggest a good card with no annual fee that would approve me with a credit score of around 610?

Wednesday, April 15th, 2009

miklo asked: I want to rebuild good credit and I think I can do that by using a credit card to pay for gas and groceries and then paying off the balance on a monthly basis. I think this may help me to correct two of the negative things on my credit report.
1) only [...]

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the lemon law
home owner loan
irs tax attorney
student loan consolidation services