I got the money back from my bank, closed the compromised account and filed a police report. So... what happens now? What will the police do? What else should I do? [more inside]
I've always been told to shop around for a mortgage. I have one and want to refinance, so what does shopping around mean? Is that still good advice? [more inside]
I'd like to know if there's any benefit to buying a shelf company in 2016, particularly if the goal is to build a solid credit history fast (if not immediately). [more inside]
My credit card was compromised - but I don't get it, the scammer got nothing. Explain to me how this works... [more inside]
I am a longtime AmEx customer (nothing fancy, just a charge card) who just moved to the US from Canada and who needs a new credit card. I love the customer service of AmEx--I trust them, especially, for travel and for dispute resolution. So far AmEx Canada has been iffy (reasons below). I'm happy to pay an annual fee. What's my best bet? [more inside]
I have looked up my own credit scores, but I'd like to hire a professional to help analyze my credit history to make a plan for improving it. I started an LLC and I really need to improve my personal credit score. Can I hire someone to help me do this? I'm in Columbus Ohio if that matters. Thanks!
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]
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]
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]
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]
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?
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!
What is current vs statement balance? [more inside]
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]
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]
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]
I have some questions about an online payment company and their ability to sick a collection agency on me. [more inside]
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]
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.
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.
I need to figure out how to make my cards useless at a few locations near me. [more inside]
I owed Verizon Wireless $38 and now it’s in collections. I need some help with how to handle this situation. [more inside]
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]
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]
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?
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]
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]
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]
Hey Mefites, what do you think is the best credit monitoring service? Is it worth it?
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]
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]
Recent used car purchase is costing me money. What should I do about this? [more inside]
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]
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]
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]
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]
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?
Who sang the wonderful and terrible "Hip Hop" from The Incredible Machine 3?
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]
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]
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]
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]
How can I receive a Canadian credit report/score while living overseas with no fixed address in Canada? [more inside]
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]
How do I apply for an apartment as a student when I need my husband's income to be considered? [more inside]
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]
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?
Mefites in Japan: What's the way out of this payment... difficulty? [more inside]
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]
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]