721 posts tagged with credit.
Displaying 1 through 50 of 721. Subscribe:

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

Mortgage application complications: my mortgage, her investment account

My partner and I are applying for a mortgage. Our credit union will only approve me for the mortgage, though, since my partner has no recent credit history. We're fine with just putting me on the mortgage, but there's a hitch: we are planning to use part of an investment account for the down-payment, and that account is only in my partner's name. We share (JTWROS) another investment account with the same firm. If we add my name to her account now, will we raise red flags? Is there a better approach we're not thinking of? [more inside]
posted by brackish.line on Aug 5, 2014 - 14 answers

Dip into savings to pay off credit card?

My credit card is acruing interest at about the rate of netflix per month. I have enough cash to pay it off but that would be about half my balance of my savings account. Should I pay it off or should I keep chipping away with it and not putting any more than I have too on the card?
posted by mamamia88 on Jul 30, 2014 - 15 answers

Help me think through getting my very first credit card

I'm in my mid-thirties and have good credit, but I've never had a "real" credit card. I'm going on an international trip in December/January, and in the hopes of offsetting some of my plane tickets through signup bonus miles, now seems as good a time as any to finally get a credit card (still, I'm not averse to cash back rather than miles). Give me advice! [more inside]
posted by tapir-whorf on Jun 30, 2014 - 18 answers

Remembrance of Financial Catastrophes Past

Asking on behalf of a friend (let's call her "Liz"): can a credit restoration company help fix a credit report with multiple charge-offs? If not, what CAN be done? Sadly drifting swirls of bleak gray snowflakes within... [more inside]
posted by julthumbscrew on Jun 24, 2014 - 9 answers

If i activate my new credit card will i need to transfer my balance?

If i activate my new credit card will i need to transfer my balance over or will they have already done that? [more inside]
posted by earthquakeglue on Jun 21, 2014 - 4 answers

is bad credit really wiped out after 7 years?

I will try to forgo going into a lot of detail, but certain dramatic events in my life caused me to default on a couple of credit cards years ago and sunk my credit rating into the toilet. I never made any payments on it again and never got another credit card because I had other things on my mind. And Technically I wasn't supposed to be alive now either (Cancer) but suprisingly I survived so now instead of worrying about death I guess I'm worrying about things that normal people worry about now. Like credit rating. I've read that after 7 years you get a clean slate on a debt. It's almost been 7 years since the last payment I made and I'm wondering if I will get a clean slate after that.
posted by manderin on Jun 8, 2014 - 8 answers

Multiple NSF charges for one payment

I am pissed that I got THREE non-sufficient fund charges from my bank for the same single payment that did not go through. What can I do about this? [more inside]
posted by mysterious_stranger on May 21, 2014 - 7 answers

How can I take over a car loan after the death of a relative?

It's okay with the estate, but now I need to deal with the car company. How do I make sure that I can take over the car loan of a dead relative in order to keep the (sentimental) car, keeping in mind bad credit and not enough money to pay it off entirely? [more inside]
posted by anonymous on May 20, 2014 - 10 answers

Hello, we'd like to outsource our home office.

My boyfriend and I would like to rent a nearby office space to use as....well, office space. However, neither of us have enough freelance income to justify the cost on the application papers. [more inside]
posted by redsparkler on May 19, 2014 - 12 answers

How will my joint mortgage affect my solo auto loan application?

How will my joint mortgage affect my debt-to-income ratio when I apply for a new car loan WITHOUT a co-signer? (Snowflake details inside.) [more inside]
posted by ilikemethisway on May 5, 2014 - 6 answers

Page: 1 2 3 4 5 6 7 8 ... 15