Credit Questions and Answers

Mileage plus?

Can anyone provide me a link to a cohesive airlines mileage plus credit card with no annual excise? I read on a trustworthy site that they do offer one, however they don't push it for obvious reason. I can't find it anywhere, I can only find ones next to annual fees, which I don't want.


Answers: A quick G00GLE search out revealed this: annual fee is waive the first year. http://www.firstusa.com/cgi-bin/webcgi/w...

Good luck& enjoy

Will a charge offed article cever come sour a credit reporr?

I filed collapse over 2 years ago. I just looked at my credit report and 75% of the stuff on nearby is showing as charged off and not as chapt. 7 ruin. The other accounts are showing as chapt. 7 bankruptcy.

Shouldnt they adjectives be showing as bankruptcy?
Or is it because they be charged off previously the bankruptcy?
What should I do? Should i contact the attorney something like


Answers: Much depends on when the charge offs (CO) happened - back or after the bankruptcy (BK).

If the CO happen before the BK afterwards they can report as a CO. They must report with a nil balance and report as mortal included in BK

If the CO happen after BK then it "cannot" be reported as a CO. (see the FTC Staff Opinion memorandum - Brinkerhoff-Lovern)

You might click on my profile and click on the last connection listed.
It is a free credit discussion board. Start by reading within the newbie forum and then within the bankruptcy forum.
You will know how to learn how items included contained by BK can or cannot report and how to deal beside those items that are reporting incorrectly.
It's "charged off" not charge offed. The word "offed" isn't a real word.

You own pretty bad credit, you took BK. Why are you worried something like some single credit line on your report?
Whether it shows charge rotten or bankruptcy really make no difference. Accounts probably were charged bad before you file the bankruptcy. Either mode, they are negative entries.

Negatives stumble off your credit report 7 years and 180 days from the date of defaulting. Your bankruptcy will stay for 10 years. You own a long time to go in the past your report clears up.
The accounts will come off eventually. Everything denial, except the bankruptcy and any excise liens, is removed after 7 years.

Any usa lenders out nearby?

I need a forfeit or a loan to help rate some bills down i refuse to step thru a consolidation company . I am not late on any bills ,But would similar to to get some sustain . I looked at free grant sites but they do not enjoy anything that i could qualify for. I went to the wall but credit score is not big enough .I hold alot of inquires on the report . That is why I want a loan to pay stale some bills so i can afford to get these inquires sour the report . PLEASE SERIOUS REPLIES ONLY !!


Answers: You can't get inquires stale your report no matter how much you money. They are there for 2 years!!
If you plan to retribution back the money , you can ask for a loan at your credit grouping or Prosper. People may help you. More information at http://www.acreditlibrary.com/prosper.ht... and http://luccu.org

You can also try your luck at online charities approaching Modest Needs, people may dispatch donations. More information at http://www.laodn.org/

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