T asked:


And if so, would they check my credit? I have a Bankruptcy on my credit and have been denied a credit card by just about every major credit card issuer.

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oralee v asked:


How does bad credit come off your credit report once you have passed the 7 year deadline?

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Sarah O asked:


I have a $20,000 credit card debt. I got many phone calls from creditors and I didn’t answer them. I’ve got letters from attorneys saying that I will have to pay them off or I will have to go to court for the debt. I heard from people that it has happen to them before, but they never really had to go to court. They ignored the situation and the amount will charge off eventually. Is it true? If it charge off, how will it effect my credit report? I don’t own a house or a car.

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Frank asked:


I notice on a credit card I’ve had for many years that the account is now also showing up on my wife’s credit report. As far as I know she never signed anything but I did add her as an authorized user when I opened the account. I can’t see how she would be legally liable for any portion of the balance – is she? Is this some sort of scare tactic being imposed by the bank? I might add that this bank received billions of $$$ in TARP funds. I ask because I’ve been unemployed for months and cannot afford the scheduled payments.Thank you!

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italia044 asked:


I’ve racked up some credit card debt in school and now am out and want to pay the debt off in a lump sum settlement. It’s been about 2 years sense I’ve been able to make any payments and there have been a few different creditors that have tried to contact me. How do I know which one to contact to get this debt resolved? Any advice for getting these settled fast? I know you should send them a money order to hide your bank info and that you want them to write “paid as agreed” on your credit report… anything else? Thanks

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monicamcnabb asked:


My credit has about 3 maybe 4 things on it that aren’t so good. I’ve been trying to get a credit card and build my credit up but I only get approved for prepaid cards. They want me to deposit $300-$500 a month for 3 months into a savings account for them and then I get approved to use that card. If I had that kind of money, I wouldn’t need the damn card in the 1st place, lol. Any suggestions? please?
All the things on my credit report are from like5-6 years ago…..I have paid them all off. I am responsible with my finances now…..All that from before was when I was a single mother of 4 very young kids and trying to do the best that I could. So I don’t think you should say that I’m basically irresponsible. All I wanna do is pay for the new engine my van needs. And then have it paid for and make payments. I can’t afford to pay for the whole thing at one time.

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lightning_strikes asked:


I’ve heard that “baddies” stay on a credit report for 7yrs from the date of first delinquency.

In 2002, I had a Visa lateness recorded on my credit report. Next to the lateness, it said “due to stay on credit report until 3/2005″ which is only 2.5yrs not 7. Then in spring 2005, the lateness vanished from my credit report! (hooray!)

But in early 2005, I fell into financial problems again(job loss) and a few more 30day credit card latenesses got recorded on my credit report. In the past month, one of these 30day latenesses has vanished from my TransUnion report, along with any mention of the account(which is a good thing, since it’s been closed and was only open a short time anyway; the account was not beneficial to my Fico score)

I was wondering if the remaining 30day lates will disappear from my report once they hit the 2.5yr mark? Or, have the credit reporting regulations changed since 2002, and I will be stuck with them for the next 4.5yrs? Any experience w/ cc lates?

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Nick asked:


I have about 7500 in credit card debt. I know this may not seem like a lot to some people, but I’m only 24 and I bought a truck that I probably shouldn’t have and the payments on that are what’s killing me. I’ve decided that the last thing I want to do is get rid of the truck. I have fallen behind on some of my payments and am acquiring late fees and higher interest rates, and my credit is being shot to hell in a hurry. I have applied for several personal loans to pay off my credit cards and get one lower monthly payment, but I’ve been denied every time because of my poor credit. I don’t really want to go through a credit counseling service yet, because that shows up on my credit report and will further reduce my score. I have worked thorugh my budget with a fine tooth comb and I’ve done calcualting with differnt loan terms/interest rates/etc. and I know I can afford one, but how do I get one? Any advice you can give would be greatly appreciated.
I would appreciate worthwhile answers only, please. I’ve only had the truck since March, so my loan would be way upside down, and with my credit what it is now, I wouldn’t get anything reliable for the loan I’d get.

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vikasintl asked:


I am wondering if credit card application affect your credit score/credit report negatively?
does it lower the credit score every time some one applies for it?
how many times in a year is considered normal and not over application?

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ladydia756 asked:


I have never had a credit card before and every time i apply for one i get denied ………Well i just finish paying off the things that was on my credit report and wanted to know when i could apply for a credit card?

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