• My wife wants to cancel our duplicate cards and open joint accounts. I don't like the idea. It's a fight. What should I do?

    We each came into our marriage with a visa and a discover. She thinks it's stupid to have two of each card and wants to cancel our individual cards and open joint accounts on each. I don't want to close the accounts and see no reason to do so. We own a home and vehicles so I'm not worried about the... show more
    We each came into our marriage with a visa and a discover. She thinks it's stupid to have two of each card and wants to cancel our individual cards and open joint accounts on each. I don't want to close the accounts and see no reason to do so. We own a home and vehicles so I'm not worried about the potential credit drop. Losing the buying power is what scares me. Are there any reasons I should consider consider consolidating our cards? Any reason I should not? Saying to keep a card in case we split is not helpful. I know that already.
    13 answers · 21 hours ago
  • Do you need to hand write and notarize your credit dispute letters?

    I bought a book on credit repair. The author says when you send a dispute letter to the credit bureaus you should hand write it and have it notarized, Do you think that is necessary or not?
    I bought a book on credit repair. The author says when you send a dispute letter to the credit bureaus you should hand write it and have it notarized, Do you think that is necessary or not?
    12 answers · 2 days ago
  • Is 697 a good credit score? What is ideal?

    I have three outstanding balances that equal about $7000 in debt. If I pay it off by end of June, will my credit score go up to 700 or above? Thank you.
    I have three outstanding balances that equal about $7000 in debt. If I pay it off by end of June, will my credit score go up to 700 or above? Thank you.
    12 answers · 3 days ago
  • Old Credit Card Debt. What should I do?

    Best answer: Nine years is way past the statute of limitations. They can't go anywhere or do anything to you. They can't collect on a debt that old. That is why they say they won't sue you - because they legally can't. That is why they say they won't make a report to the credit agencies - because they... show more
    Best answer: Nine years is way past the statute of limitations. They can't go anywhere or do anything to you. They can't collect on a debt that old. That is why they say they won't sue you - because they legally can't. That is why they say they won't make a report to the credit agencies - because they legally can't. Toss the letter and have no contact with them. You are under no legal obligation to have anything to do with them.

    They are hoping to scare you into contacting them.

    If you acknowledge the debt, the statue of limitations is tossed and is reset and they can go after you.

    don't even worry about a 30-day window.
    14 answers · 5 days ago
  • Someone has used my bank details to send them money.?

    So I lost my bank card. But before I noticed there had been a bank transfer of £700 pound from my account to someone else. I’m guessing they got my card, took the details and they sent the money to themselves using western union. What should I do? Can the police be involved and what could the punishment be? Cause I... show more
    So I lost my bank card. But before I noticed there had been a bank transfer of £700 pound from my account to someone else. I’m guessing they got my card, took the details and they sent the money to themselves using western union. What should I do? Can the police be involved and what could the punishment be? Cause I know I didn’t send that money! It was sent when I was o holiday! Thanks in advance for the help!
    7 answers · 2 days ago
  • I just bought a bunch of Litecoin was that a good move??

    Best answer: Stellar. Start shopping for the Lambo now.
    Best answer: Stellar. Start shopping for the Lambo now.
    5 answers · 4 hours ago
  • Can just being an authorized user on someone's credit card build my credit.?

    Just being a user but never actually using it for myself.
    Just being a user but never actually using it for myself.
    8 answers · 2 days ago
  • What happens if you dont enter the EXACT name on your credit card during online checkout?

    Ok so whenever you make an online purchase itll often ask for the "exact" name on your card during checkout. What happens if you make a typo or something? I used to work in retail and when I asked customers to sign a lot of them would just scribble some nonsense on the tablet and be on their way. If I did... show more
    Ok so whenever you make an online purchase itll often ask for the "exact" name on your card during checkout. What happens if you make a typo or something? I used to work in retail and when I asked customers to sign a lot of them would just scribble some nonsense on the tablet and be on their way. If I did this for an online checkout would anything actually happen?
    5 answers · 17 hours ago
  • How can a young girl person get a school loan without a co singer?

    I’m trying to go through a school that is one of the best training schools for a pharmacy technician and they don’t go through financial aid. They want 1500 down and being a young adult I don’t have that kind of money and neither do my parents. My credit score is pretty new and is not the best and my parents scores... show more
    I’m trying to go through a school that is one of the best training schools for a pharmacy technician and they don’t go through financial aid. They want 1500 down and being a young adult I don’t have that kind of money and neither do my parents. My credit score is pretty new and is not the best and my parents scores are not great and I don’t have anyone else to sign with me. How can I get approved for a credit card or loan? I don’t know if I am right about this stuff but I just really want to go to school but I can’t find the money to do it and working a minimum wage job having bills and saving for it isint meeting the deadline in time
    16 answers · 1 week ago
  • Is what this lender told me legitimate and legal when it comes to our mortgage loan?

    A lender told me her could pay off our credit card debt to help boost our credit scores. He said he would do a rush to this boost. This would obviously help lower our interest rates. Then, he would roll the amount he paid off for our debt into our closing costs. Therefore, it’s not a loan with interest. No other... show more
    A lender told me her could pay off our credit card debt to help boost our credit scores. He said he would do a rush to this boost. This would obviously help lower our interest rates. Then, he would roll the amount he paid off for our debt into our closing costs. Therefore, it’s not a loan with interest. No other lender has given me this option. I asked about any catches with it. It really just sounds too good to be true. Is this even legal? Is it something that makes sense to anyone? Please share your thoughts.
    10 answers · 4 days ago
  • Credit card debt not on credit report?

    Ok, I am trying to pay off some old credit cards, but there not on my credit report? So how do I view old balances and find out how to pay them if there not on there??
    Ok, I am trying to pay off some old credit cards, but there not on my credit report? So how do I view old balances and find out how to pay them if there not on there??
    4 answers · 5 hours ago
  • If my mom (who has good credit score) co-signs for a credit card for me and I have no credit history will I be able to get a card?

    I know if I didn’t have a co-signer with a good credit score I would have to get a secured card.
    I know if I didn’t have a co-signer with a good credit score I would have to get a secured card.
    10 answers · 5 days ago
  • Discharged bankruptcy but I want to get the same credit card I had back. It had a small balance and I shouldn’t have included it?

    I had a Best Buy credit card and it only had 300 bucks on it. It was included in my bankruptcy but it was my best card and I shouldn’t have added it. Can I reapply for the same card? My score after all is said and done is 600-620. I appreciate the help because I can’t find anything on this type of scenario.
    I had a Best Buy credit card and it only had 300 bucks on it. It was included in my bankruptcy but it was my best card and I shouldn’t have added it. Can I reapply for the same card? My score after all is said and done is 600-620. I appreciate the help because I can’t find anything on this type of scenario.
    15 answers · 6 days ago
  • Do I need to build credit if I'm going to leave to go to another country?

    Best answer: would be no reason to do so
    Best answer: would be no reason to do so
    7 answers · 4 days ago