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Ronda
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Subject: THD/CBSD
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Wed Apr 22, 2009 1:32 pm
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| I reapplied for my bank loan for a new car and they rechecked my credit.I have an account that is up to date and paid for for the month. I did not make a payment this month for any credit cards. I cut them all up when my spouse and I split up. I checked on line and came up with The Home Depot. I did have a balance 3 years ago of $75 that I did not pay off. Why would this account show that someone paid it this month. Should I try the same 3 numbers listed above for answers? |
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scott
Joined: 28 Jun 2006
scott's page
Posts: 462
10934 Magic Points
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Thu Apr 23, 2009 9:16 am
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| Quote: |
| I did have a balance 3 years ago of $75 that I did not pay off. Why would this account show that someone paid it this month? |
Do you mean that you have made a payment towards the debt and the credit report still shows the account as delinquent? If it is so, the reason is that, a negative listing stays there in your report for seven years and 180 days from the date you make the last missed payment, even if you pay them off in full now.
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SCOTT
Use your credit account responsibly and enjoy a debt free life. |
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Patrick Gunning
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Subject: Make credit card payment on line
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Mon Oct 12, 2009 7:48 pm
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| I was told I could make a credit card on line,pleas give E-Mail address for Best Buy card. |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 3996
1079 Magic Points
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Tue Oct 13, 2009 1:30 am
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Patrick,
You will need to figure out what card fits your particular need, everyones situation is different. You will need to look at what is available to you according to your credit history and score and see what rate you are willing to accept, etc, etc.
You can not get a credit card here, this is a forum. Some people here may choose to advise you on what cards they have and how they have been treated by that particular company but you can not get one here.
goodluck, applying for cards was always painful for me, hope you have a good experience. |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4493
8662 Magic Points
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Tue Oct 13, 2009 9:49 am
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Hello Patrick,
You can apply for credit cards on line. In fact you could go to most companies web sites and there should be a link there where is has something like "apply for credit". I believe best buy has an on line application. You usually find out with in an hour if you qualify but some places take up to 48 hours.
Be sure you read all the fine print. These home repair places use to charge a pretty good interest rate but recently with all the changes to credit cards and the economy most have either raised rates or redid their contracts. |
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