StudentLoanFilter: Should I use my student loan money to pay off my last credit card? long-ish explanation of my situation inside. [more inside]
posted by ThaBombShelterSmith on Oct 27, 2009 - 9 answers

How to negotiate with a credit card company? [more inside]
posted by digividal on Sep 18, 2009 - 9 answers

Financial filter: I recently received a very fancy mailing from a company in Florida (Trascendental Lending), offering me (due to new government regulations) to consolidate my credit card dept (35K) to a new 5% loan, with much lower payments. This sounds too good to be true so I presume it is? [more inside]
posted by digividal on Sep 11, 2009 - 9 answers

Did we receive sound advice? A friend is filing Chapter 7 bankruptcy in the next few days. A creditor is threatening to repossess some items if said person doesn't respond to the written request for a voluntary surrender of the items. A document pledging the items as collateral was signed. A legal advisor gave the following advice... [more inside]
posted by Muirwylde on Sep 3, 2009 - 7 answers

I'm a depositor, and only a depositor, at a bank. What legitimate purpose is there for the bank to run a credit check on me? [more inside]
posted by NortonDC on Aug 12, 2009 - 27 answers

Pay for delete???? Any idea how to begin? I have always had good credit. Recently a old charge from AT&T showed up on my credit report for $50 that had gone to collections. I am guessing this was a balance left after canceling (tho I am not 100% sure). I had previously tried to settle this balance and got the run around, so I finally gave up and did not hear anymore so thought all was fine...I am part of a credit monitoring service so I got work right away that the "hit" had affected my low 700's score and now I have a low 600's score. I have googled my situation and learned about a "pay for delete"...I am however, not sure if I should begin with AT&T or the Credit Agency (which is the Collection Company of America CCA)...the collection originally came through as being from CCA but now it shows up as AT&T on the report. Previous attempt by phone to talk to each company and ask for help was not successful. NOt sure how to proceed, or if it is worth the headache?
posted by mdn31 on Jul 20, 2009 - 9 answers

How can I not pay the American Express membership fee and not have to close the card (which negatively impacts my credit score) because I dont want to use it anymore? [more inside]
posted by schindyguy on Jul 9, 2009 - 8 answers

Credit union virgin. Several questions re CUs in Seattle area. [more inside]
posted by zenpop on Jun 1, 2009 - 25 answers

How long should I wait before making another credit card application? I was denied for a specific card I'd like (Amazon.com card through Chase) in February for "too many credit applications." Can I apply again for it now? [more inside]
posted by jgunsch on May 31, 2009 - 12 answers

Is there a single resource that I can read to get an undertanding of the USian "money culture"? As a European, I am puzzled by many things I read aroung the Internets about the way personal finance appears to be handled in the US. [more inside]
posted by themel on Apr 9, 2009 - 46 answers

What happens if I don't activate a newly issued credit card? [more inside]
posted by bda1972 on Apr 3, 2009 - 9 answers

I'm looking for a credit monitoring service where I can track multiple individuals' credit scores. [more inside]
posted by poppo on Apr 1, 2009 - 2 answers

I'm looking for a good credit union, but I don't know what I'm eligible to join. [more inside]
posted by Optimus Chyme on Mar 6, 2009 - 13 answers

Do I need to worry about an unpaid property (auto) tax bill being on my credit report? [more inside]
posted by hazyspring on Dec 16, 2008 - 12 answers

In the past I have been paid the following things to sign up for a Credit Card: a slice of pizza, a shirt, a $15 discount, and now at Amazon, a $30 discount. Are there any with a higher value than that? [more inside]
posted by brenton on Nov 24, 2008 - 20 answers

Algebra-filter: help me create a formula to calculate "good time credits" for California jails: ([{actual days in jail/4} - any remainder] x 2) + actual days in jail = number of days sentenced to jail Solve for "actual" Show your work [more inside]
posted by unclezeb on Oct 31, 2008 - 18 answers

I am in my 20's, have no debt and have no need for a loan; should I get one anyways to help my credit? [more inside]
posted by MrBCID on Jun 23, 2007 - 18 answers

I'd welcome hearing of Mefites who have had experiences with the Prosper website as a borrower. (Or, if no one can help me on that, recommendations for Chicago or national credit unions accessible to most anyone.) [more inside]
posted by WCityMike on Mar 7, 2007 - 6 answers

CreditFilter: Does opening a new account look worse on your credit than keeping an older one? [more inside]
posted by starbaby on Jun 28, 2006 - 8 answers

I dissected my old VISA card. Underneath the hologram is a 4x4 matrix of rectangles. There are numbers or letters in each row, thus: blank, blank, '1', blank; blank, 'A', blank, blank;'C', blank, blank, blank; blank, blank, blank, '4'. Why are they there, and what do they mean?
posted by i_am_joe's_spleen on Apr 6, 2005 - 15 answers

UK Credit Law query : If a company lists a default on a payment is there any recourse to have the default amended? (M:I) [more inside]
posted by longbaugh on Jan 27, 2005 - 4 answers

My wallet was stolen -- how do I protect myself against ID theft? [more inside]
posted by melissa may on Nov 7, 2004 - 7 answers