731 posts tagged with credit.
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Just sent my credit report to a spammy URL, am I screwed?

I just sent a PDF of my credit report to the wrong email address. (I left out two letters in my broker's email address). Am I totally screwed? What steps can I take to protect myself? [more inside]
posted by anonymous on Nov 21, 2015 - 3 answers

Name and old college address used for fraudulent online purchases - why?

This has been happening for a while, and since I haven't seen any actual transactions shown in bank / credit card statements, I've just cancelled every order that came my way - until today, when somebody ordered from Checks Unlimited! (but still sent to my old address under my name?! WTF) [more inside]
posted by 01080591 on Nov 19, 2015 - 11 answers

Original work by... Adaptation idea by... Written/adapted by?

What is the proper series of credits given to a screenplay which was liberally adapted from a short story, but which was selected for adaptation (and premise changed) by someone other than the screenwriter? [more inside]
posted by war wrath of wraith on Nov 15, 2015 - 3 answers

I am continually victimized on my debit card and one credit card.

My one debit card and one out of four credit cards are continually subject to fraud charges no matter what I do. Why is this and what can I do to prevent it? [more inside]
posted by Everydayville on Oct 26, 2015 - 30 answers

I've got a $648.04 credit on Korean Air and need help using it.

I had to cancel a ticket I bought on Orbitz and I now have $648.04 to spend on a ticket with Korean Air. I'm very open on where I would go. How would I go about searching - and where - to find out how to get the most bang for my buck with this? Google Flights? ITA? And how would i search?
posted by rileyray3000 on Oct 22, 2015 - 5 answers

Best option for accepting credit card payments in Costa Rica?

Hey guys, I have a business in Costa Rica that specializes in tourism and does about $20-$30K of business per month. Does anyone out there know of the best possible option for accepting credit card payments in Costa Rica? Right now we are working through paypal but its certainly not ideal (and neither is requesting cash from our clients). I have already seen and heard of some of these third party entities withholding funds and even denying funds in Costa Rica (and elsewhere). Also, some of the rates on these things look ridiculous. Any help is obviously greatly appreciated!
posted by MD_yeahright on Oct 11, 2015 - 5 answers

Explain my credit card statement

What is current vs statement balance? [more inside]
posted by pando11 on Oct 4, 2015 - 3 answers

Choosing an out-of-area credit union

I'm dissatisfied with my local credit union and am interested in taking my business elsewhere. They are the only game in town, so I'm wondering how best to assess my options for online only or at least long distance friendly credit unions. [more inside]
posted by contraption on Oct 1, 2015 - 3 answers

Should I preemptively tell a new employer about a recent bankruptcy?

I'm hoping to start a new job soon and the company has extended an offer which I have accepted. However the offer is contingent on the results of a background check which I understand is either in progress or will be performed shortly. The problem is that this background check will show that I filed for a Chapter 7 bankruptcy early this year and received a discharge shortly thereafter. So while I wish I could take this moment to celebrate a great new opportunity, I'm afraid that the offer might be rescinded at any moment due to this new information. [more inside]
posted by anonymous on Sep 12, 2015 - 13 answers

How do I credit?

I'll be paying off my student loans in the next year or so. When that's over, I'll be completely debt-free. I don't really want a credit card, and I'm not planning any big, credit-required purchases for the foreseeable future. I don't want to rule anything out though, and am interested in maintaining my hard-earned good credit score. So what should I do now? [more inside]
posted by saguaro on Sep 11, 2015 - 7 answers

Getting referred to a credit agency by a scetchy company

I have some questions about an online payment company and their ability to sick a collection agency on me. [more inside]
posted by mockpuppet on Aug 18, 2015 - 14 answers

How is this healthcare billing scam being run?

For a month now I have been involved in a Kafkaesque nightmare with a local hospital billing department. I am convinced that they have a thief in their employ but I cannot figure out how to convince them of this or to positively make my case. [more inside]
posted by Bringer Tom on Aug 9, 2015 - 22 answers

What is the best replacement for the Costco American Express card?

The TrueEarnings American Express card from Costco will be discontinued next year. What is the best credit card for me to use instead? I use a card for several thousand dollars of business expenses per month. The balance is paid monthly. I want rewards that I can cash out, or points I can redeem, NOT a credit to my statement, which is what the rewards for the new 'SimplyCash' business credit card from AmEx would do.
posted by bq on Jul 30, 2015 - 13 answers

Seeking a rewards credit card that will email me my balance daily

I'm looking for a rewards credit card that will email me my balance--not just my purchases--daily. My current card will email me all my purchases as part of its fraud alert service, but I still have to log in to check my balance. Do you have or know of a card that will email me my balance? I'm pretty sure I had one like 15 years ago, but I don't remember what bank it was with.
posted by elizeh on Jul 23, 2015 - 5 answers

How to disable Credit/Debit Card use at specific businesses?

I need to figure out how to make my cards useless at a few locations near me. [more inside]
posted by no_context on Jul 17, 2015 - 18 answers

Help with Credit Report and a Collections Agency

I owed Verizon Wireless $38 and now it’s in collections. I need some help with how to handle this situation. [more inside]
posted by anonymous on Jul 11, 2015 - 3 answers

Can debt chase you across European countries?

Don't get me wrong, I DO want to pay this debt, I just need to take care of some other things first. Say, if you have a smallish unpaid debt (2k euros back then, I don't want to think about how much it must be 9 years later) in Spain, and now you're starting new in Sweden, can this debt bite you in the ass before you've used your small savings to rent a house, buy groceries, etc. while you get a job that will help you pay said debt? Could your new Swedish bank account or other assets be frozen? [more inside]
posted by anonymous on Jun 26, 2015 - 2 answers

What are my odds of filing and winning this credit card dispute?

I run a small company and recently signed up to sell my items at the companies weekly farmers market as well as a big all day festival that they are putting on in September. After several markets, I did not do nearly the business that I had hoped and I also felt that the people running the market/festival to be non concerned and unpleasant to work with. [more inside]
posted by TwilightKid on Jun 24, 2015 - 6 answers

Credit Card Refund: They are asking for my credit card details

Is this safe? They asked for my credit card info to give me a refund and i gave them my credit card number. Now theyre asking for the expiry date in order to process the refund. Is this safe? Can they misuse this data? Can't they automatically charge it back to my account?
posted by freddymetz on May 27, 2015 - 14 answers

Online apps that require CC to be on file to use.

How do I protect my credit card on apps that require it to be on file to use like Uber, Amazon or Walmart? [more inside]
posted by BillyAnne on May 19, 2015 - 15 answers

A Matter of Life and Debt (Collectors)

A while ago, I stopped paying off an old credit card from college - I couldn't afford the payments for a while. However, once things did look better for me financially, I had forgotten about the debt. I also moved, meaning I did not receive any letters that were sent. The balance is well under $500; I know the exact amount of this debt. I just got two phone calls from debt collectors and caved to one. Did I handle this situation correctly? [more inside]
posted by Ashen on May 13, 2015 - 7 answers

Dude, where's my credit?

Last I checked (a bit under a year ago), I had a fantastic credit score. Now, a leasing agent just ran a background and credit check on me and says that I have no credit at all. What gives? Should this worry me? What am I supposed to do about it? [more inside]
posted by cheerwine on May 8, 2015 - 13 answers

Credit Monitoring

Hey Mefites, what do you think is the best credit monitoring service? Is it worth it?
posted by bquarters on May 7, 2015 - 4 answers

How do I change credit cards without hurting my credit score?

So I've got several 2-3 credit cards that I use heavily; I never run a balance, none of the cards have annual fees, I just like the convenience and earning rewards. I'd like to switch from the cards I'm using to some new ones that have better rewards, and do it in a way that doesn't hurt my credit score. [more inside]
posted by kanuck on May 5, 2015 - 15 answers

Forced Rental Payment Fees - Is this allowed?

My landlord just sent out a notice saying that we're going to be required to pay our rent online, through a service that will charge a fee. Is this allowed? [more inside]
posted by dithmer on May 3, 2015 - 11 answers

Car Troubles. I'm stumped.

Recent used car purchase is costing me money. What should I do about this? [more inside]
posted by morning_television on Apr 20, 2015 - 11 answers

Fixing credit without screwing creditors?

Pretty much what it says in the title. I need to pay debt. I need to increase my credit score. How do I do both simultaneously? [more inside]
posted by The Almighty Mommy Goddess on Mar 30, 2015 - 15 answers

Credit report dispute/error, city tax edition.

The city says they will remove the negative report upon payment. Should I also contest it from my side with the credit agencies? [more inside]
posted by Dashy on Mar 25, 2015 - 2 answers

What's the best way to protect myself from identity theft?

An person with a history of ID theft may have gotten ahold of some of my identity information. I want to do all that I can to stop them from stealing my identity. [more inside]
posted by apostate street preacher on Mar 3, 2015 - 6 answers

Getting Debt Under Control in 2015

Has anyone had any experiences using a peer-to-peer lending service such as Prosper or Lending Club? I'm considering one of these as an option to get a credit card under control. I've done a bit of research and it seems like an appealing option to me. [more inside]
posted by punkrockrat on Feb 7, 2015 - 7 answers

true meaning of 0% intro APR?

If I transfer my credit balance to a new card with 0% intro APR, does that theoretically mean I could pay nothing (with no penalties) for as long as the rate stays at 0%? Or am I confused about what it means?
posted by Ain on Feb 6, 2015 - 11 answers

It's incredible, alright

Who sang the wonderful and terrible "Hip Hop" from The Incredible Machine 3?
posted by KChasm on Jan 21, 2015 - 1 answer

Round 2: Disputing Bogus Apartment Damage Charges in Collections

So, this is a follow-up to this previous question. Looking for some tips for next steps. Long story short, after moving out of a DC apartment in May our corporate landlord billed us a totally bogus damages. Now they've sent it to collections and it's showing up on the credit report. How do I fight this and get it off my credit report for good? [more inside]
posted by forkisbetter on Jan 16, 2015 - 4 answers

$20K AMEX account closed because I stopped paying. What happens now?

Wife lost her job for a few months and I was trying to swing our mortgage and $500 monthly AMEX payment. Talked to AMEX to try and work out a plan and they said “just pay it when you can”. That was a couple months ago. The account is now closed and I assume they "sold it". If they sold it to a collection agency, can I negotiate with the agency? [more inside]
posted by anonymous on Jan 16, 2015 - 7 answers

My company used my design without my consent. What do I do?

My parent company is implementing a rebrand based on a design I made for a project I worked on years ago, all without my knowledge. They have acknowledged this, and it seems like they are oblivious that this is a problem for me. I have made my feelings known to my boss, and am waiting for further developments. I don't know what to do next. Do I have any rights? What are my options? Backstory follows. [more inside]
posted by brappi on Dec 8, 2014 - 17 answers

Any advantage to paying off a garnishment early?

I have the money to pay off a garnishment and am fine with doing so. I wonder if there is any benefit to paying it off early in terms of my credit rating. [more inside]
posted by anonymous on Dec 7, 2014 - 3 answers

Acquiring Canadian Credit Report While Living Overseas

How can I receive a Canadian credit report/score while living overseas with no fixed address in Canada? [more inside]
posted by Tenacious.Me.Tokyo on Dec 5, 2014 - 2 answers

Credit card advice

I live in Toronto I recently started a full-time job (two weeks ago) and I've been using a debit card (with RBC) for the past five years. I didn't want to get a credit card because I didn't want to get sucked into the system. But yesterday changed my outlook on things, so I decided to apply for a low interest card. Question is, what options do I have and would I get accepted? [more inside]
posted by cyrusw8 on Nov 23, 2014 - 18 answers

Credit impacts of renting a second apartment in another state

How do I apply for an apartment as a student when I need my husband's income to be considered? [more inside]
posted by MeFiElf on Oct 28, 2014 - 4 answers

Who should I talk to about long-ago debt and my credit score?

Who should I talk to about long-ago debt and my credit score? Is that the sort of thing a new credit union will do, or would that just hurt my interactions with them? [more inside]
posted by brisquette on Oct 27, 2014 - 5 answers

Legitimate Credit and Debt Counseling

Family member is in debt and needs help getting out of debt. I've researched both Appraisen and Clearpoint but both seem to be run by a corporation. I don't know if that's a good thing or not. Some credit counseling firms have charged big fees and gotten some people in worse trouble and even deeper in debt. I don't want her to get locked into something worse. Do these really help? Are they legit?
posted by CollectiveMind on Oct 27, 2014 - 18 answers

Just take my money!

Mefites in Japan: What's the way out of this payment... difficulty? [more inside]
posted by ctmf on Oct 19, 2014 - 12 answers

Do any rules govern how much collection agencies can inflate debt?

I've noticed that when collection agencies buy debt, they often, though not always, significantly inflate the original debt. Do any laws govern how much they can do so? If not, how is it possible to be liable for an amount that someone has essentially made up? [more inside]
posted by corb on Oct 14, 2014 - 4 answers

Garnished. Any value in contacting creditor?

1. Is there a silver lining in that I'll be finally paying off the debt at least? Will that help me in the long run? Or is the fact that it's a garnishment super verboten? 2. Is there any value in contacting the creditor? [more inside]
posted by anonymous on Oct 11, 2014 - 15 answers

US credit score shenanigans

Non-American working in the US for 3 months, then returning to the US a year or two later. I want to use this 2 year gap to build a US credit score. How can I make this work? [more inside]
posted by Ashlyth on Sep 15, 2014 - 7 answers

Credit card balance transfer questions.

My husband recently had to put $5000 on his credit card after using our emergency savings. We will not be able to pay this amount at the end of the month or in the next few months. I'm interested in the option of a balance transfer to a new card with a lower interest rate. [more inside]
posted by Coffee Bean on Aug 25, 2014 - 16 answers

What credit sites actually show real scores?

I need to find out my updated credit scores. I've already used up my once a year free inquiry back in April. I've used sites like credit.com and creditkarma but their scores are "modeled" scores and not the real thing. Where can I get accurate reporting on score numbers from the Big 3 bureaus? [more inside]
posted by caveatz on Aug 22, 2014 - 7 answers

Credit fraud

Asking for a friend: looks like an ex has gotten an apartment in Chicago using my friend's name and credit. What should he do? [more inside]
posted by Craig on Aug 7, 2014 - 15 answers

Looking for the best Credit Card option to transfer Approx. 18k balance

Fell on some hard times in the last two years, blah blah blah... Anyways...We built up about $18,000 in credit card debt, with little savings left.... We are slowly getting back on our feet and would like to minimize the damage of interest that will build as we try and pay this card off... [more inside]
posted by TwilightKid on Aug 5, 2014 - 11 answers

Loan for renovation of NYC Co-Op Apartment ? (no HELOCs/mortgages)

Loan for renovation of NYC Co-Op Apartment? (no HELOCs/mortgages). [more inside]
posted by lalochezia on Aug 5, 2014 - 4 answers

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