| Subject | Date Asked |
|
| paid of my car loan is it a negative thing om my credit | 11/17/2009 |
Q: am sonia from US, am worried about my credit i paid my car loan and they put that it on my credit as ...
A: SOnia, and thanks for your question. You are correct -- paying off your car loan (assuming it was ...
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| Charge-offs that have been sold | 11/4/2009 |
Q: I had numerous accounts that I fell behind on as a result of an auto accident that left me unable to ...
A: Mery, The situation you've described is a bit of a moving target. The charge-off by the original ...
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| variable APR...Chase Bank | 10/21/2009 |
Q: I have 2 credit cards, a visa and mastercard. The Mastercard is with Chase and I just got notice ...
A: Lee, I expect the "customer service representative" was reading from the script or talking points ...
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| variable APR...Chase Bank | 10/21/2009 |
Q: I have 2 credit cards, a visa and mastercard. The Mastercard is with Chase and I just got notice ...
A: Lee! This is a time of great change in the credit card industry -- there are no easy answers to ...
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| "charge off" plan of attack | 10/15/2009 |
Q: To simplify, I have struggled personally and professionally for five years. Recently started to get ...
A: Dee, You certainly have a lot of moving parts in your financial situation. As you might expect, it ...
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| Fraudently opening a joint account | 10/8/2009 |
Q: My husband got a credit card and added me as a joint account holder without my knowledge. I tried ...
A: Tina, You still have the right to send a written statement of up to 100 words to each of the credit ...
|
| Same Student Loan Reported Twice on Credit Report | 10/7/2009 |
Q: I have a $28,221 student loan with ACS. This appears TWICE on my credit report, the same opening ...
A: Tiffany, Although you did not mention which of the credit reporting agencies carries the duplicate ...
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| secured card | 9/29/2009 |
Q: ross! in 2007 i was the victim of a crime called kidnapping by false pretenses. during this time, ...
A: James. To respond to your specific question, I am not aware of any particular secured card issuer ...
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| DECEPTIVE PRACTICES | 9/1/2009 |
Q: MY CREDIT CARD COMPANY SOLICITED ME TO BORROW MONEY AT A LOW RATE OF 3.99% AND AT 2.99% FOR THE LIFE ...
A: Wynn, Unfortunately, you are experiencing a common problem with the practices of credit card ...
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| credit report problem | 7/24/2009 |
Q: My credit beacon score has fallen from a 750 for around 9 years to a 656 as of the last quarter due ...
A: Camille, You are indeed experiencing a frustrating set of circumstances. First, are you satisfied ...
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| Credit Cards After Marriage | 7/17/2009 |
Q: I am hoping you can answer a couple simple questions. First, I am a 26-year-old female who just got ...
A: Emmy, It sounds like you have a good handle on your own use of credit. The three questions you ...
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| eviction on credit | 7/16/2009 |
Q: If I pay an eviction from 2005 will it come off my credit or will I have to do something The ...
A: Ciseley, 1. The record of your eviction, which probably shows up on your credit report as an ...
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| bankruptcy creditor recording charged off vs included in bankruptcy | 7/7/2009 |
Q: My husband filed bankruptcy-$30,000-in 2000. Owner operator truck driver, excellent credit, ...
A: Pam, Please excuse my delay in responding. I had answered your question a few days ago, but ...
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| deceiving credit card application | 7/7/2009 |
Q: My husband received a credit card from Barclays and had no idea why he received it. After much ...
A: Pam, I share your frustration with the lack of accountability for the unethical behavior engaged in ...
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| deceiving credit card application | 7/7/2009 |
Q: My husband received a credit card from Barclays and had no idea why he received it. After much ...
A: Pam, If the Barclay's credit card account was open for any length of time, it will still appear on ...
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| Bad Credit Mortgage | 7/6/2009 |
Q: I was wondering if you can please help me out. A long time ago, i had problems with my credit. Its ...
A: Elizabeth, You really have two sets of questions here: credit issues and personal ones. Let me ...
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| Charge offs due to fraud | 6/29/2009 |
Q: I had dated this girl for a while and she had opened up about 4 credit cards in my name. I first ...
A: Dan, Please excuse my delayed response, as your question did not reach me until just now. I would ...
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| Credit card limit reduced. Will it affect my score | 6/26/2009 |
Q: My bank has drastically reduced my credit limit due to economic slow down. How will it affect my ...
A: Gladwyn, First, please excuse my delay in responding, as my DSL connection was down. If you are ...
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| Please help w/ credit | 6/24/2009 |
Q: I have been repairing my credit for the past few years and when I finally paid off what I thought ...
A: April. First, please excuse my delay in responding, as my DSL connection was down. First, ...
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| minimum payment | 6/16/2009 |
Q: I have a question regarding minimum payments on credit cards. Recently, Capital One increased my ...
A: Debra, Your question comes at a time of pending changes in the way in which credit card issuers are ...
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| Equal Credit Opportunity Act question | 5/29/2009 |
Q: From my understanding, "under the Equal Credit Opportunity Act, (ECOP) reports to credit bureaus ...
A: Michael, You've posed an unusual question, one with no all-encompassing answer. Without re-stating ...
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| Credit Score and Mortgages | 5/26/2009 |
Q: Yan; My husband and I are trying to refinance. On our present mortgage, we are both listed, on the ...
A: Kristen, On your first question, assuming that the refinance will remove your name from both the ...
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| Debt elimination by use of tax credits | 5/25/2009 |
Q: I recently became acquainted with a group which claims to be able to eliminate all debt that has ...
A: Denise, Thanks for your interesting question. I am not familiar with the debt elimination program ...
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| Cancelling a credit card | 5/23/2009 |
Q: I pay my credit cards in full every month and have a pretty good credit rating. About two years ago ...
A: Kevin, As I suggested in the earlier response, the "utilization ratio" -- the amount used divided ...
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| COLLECTION | 5/23/2009 |
Q: I have a medical collection hospital bill on credit report that is 5 years old. I tried contacting ...
A: Karen, On disputed accounts, you are entitled to have a 100-word written statement included in your ...
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| Credit Report and Forcloser | 5/21/2009 |
Q: Before my husband and I got married he defaulted on a home loan. The property went into foclosure ...
A: Andrea, First, I applaud you efforts to get this straightened out, and I hope your circumstances ...
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| Removing Items | 5/18/2009 |
Q: On my credit report I have a collection that I recently paid. Understanding that the "ding" will ...
A: Bob, Yes, you can request that the collection agency communicate with the credit reporting agencies ...
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| credit card | 5/16/2009 |
Q: are the advertisements that credit card debt can be reduced true or are they fraud - - - the ones ...
A: Joseph, There are legitimate credit counselors and debt advisors out there, and bad ones as well. ...
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| Old repo being re-aged and how to dispute | 4/19/2009 |
Q: I have been working diligently for the past three years trying to rebuild my credit after years of ...
A: Doug, While I can't give you a legal opinion on the issue of a possible "illegal" attempt to re-age ...
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