Is it possible for porn companies to charge my boyfriend's credit card in need him using the services??
Question:
He had a strong views in days gone by and says they are still billing him despite not using and cancel the membership?
Answer:
It is reasonably common for companies close to this to rip people past its sell-by date and keep billing them, despite the person's best pains to cancel. He requests to keep at them, and inform the credit card company, but if the issue is whether you should believe him, that's up to your result, but it is quite possible, even for companies more above-board than porn companies.
I have a similar experience with AOL long ago, and I believe AOL terminated up getting sued for its practice of making it hard to withdraw.
If he cancelled, then he have a case. Does he own a receipt of contradiction? Otherwise, any online vendor will charge whether you use the service or not.
What proof does he enjoy of cancelling?
they shouldn't be charging him for services hes not getting..
any hes been still using the porn companies services..
or they are ripping him bad..
up to you to discover the truth
Report it to the credit card company right away, they will block the charges and cancel the card and own them reissue a new one.
If the political leanings didn't get canceled contained by their billing system, they can. He needs to give the name them again and if they still don't stop, he should spend the money to have an attorney write a missive to them.
he should have received a confirmation when he cancelled
he should hold saved the confirmation
if so, submit it as evidence
save, cancel again and chalk one up to experience
porn companies are sleazy. the elderly adage applies,
'never wrestle with a swine. you both attain dirty and the swine likes it.'
If the 'membership' be a 'per month' basis, consequently yes, they can keep billing him. IF he properly cancelled the service and has a 'paper trail' that shows it. You don't enjoy to use a service to be billed for it. Just like a magazine subscription, you still attain billed even though you might not open the magazine.
There is a occasion... but I wouldn't bank on it!
Sounds similar to his addiction supersedes his morality and need to be honest beside you...
Use your noodle!
first of all...
lol
second, I suppose it's possible. I've hear of similar events with my friends.
Can they LEGALLY do this? No. But my guess is they numeral people are more feasible to put up with the charges than risk the embarassment of conversation to the credit card company to refute the charges. Put up near the emarassment. But first, call the porn company to express wishes to revoke again. Obtain an address and write to express the same. If and when you write, transport the letter Certified Mail next to Return Receit. This way they own to sign for it and the post office sends you the reciept beside their signature so there is no means of access they can deny having received your reminder.
Start keeping track of everything you do pertaining to this matter within a journal. Track date and times of phone call, letters, etc. This can and will serve as official documentation if things get that far. It will also convince the CC company that you enjoy made every reasonable go to handle the issue on your own - which they will insist on before they whip any actions on their section. Eventually, even if the porn company doesn't take deed, the CC will have to reverse the charges.
I would ask some question first. Have you seen his final two or three statements. If so is these charges on their. If he has be using the site it will show up. If he hasn't and it just appeared surrounded by the last month he can dispute it. The concern I would own is- Is he trying to cover up his use from you. Please ask to see the last two to three months of bills. Good luck
Oldest scam within the book by these shady online porn sites. They claim to need a credit card for "age verification" and state that you won't be billed, but they wrap up up violating their own disclaimer and bill you anyway. I'm not motto what they are doing is legal or right, but anyone who visit such sites should immediately be suspicious and secretive of using a credit card to verify age. You need to contact the credit card issuer and dispute it next to them, but it won't be easy if the billing company for the porn site claims that you hold been using their services and incurring billing charges. You may hold no choice but to cancel the card to prevent one billed any further.
They are not supposed to keep billing him. They could vastly well be delay the cancellation.
But, fatefully, more than likely he's still using the services and lying to you almost it.
It's entirely possible for ANYONE to charge your credit card. However, it's also entirely possible for you to file a charge put a bet on dispute to recover the funds beside ANY CREDIT CARD. You don't need a special 0 liability Capital One card resembling the commercials hype it up to be --- all credit cards are protected.
Simply ring the credit card company up and ask to file a dispute/charge pay for against this company. They'll take your statement down, quash your card, and send you a untried card in the e-mail with a different credit card number and expiration date.
I've done 7 dispute/charge back in the closing 8 years, the highest amount be over $1,000 for a laptop on eBay, and in adjectives 7 cases I've NEVER had to wages a dime. Technically, however, you are liable for up to $50, depending on how the investigation goes.
Where can I attain a business credit card beside no personal guarantee?
Question:
I have a brand hot business and I am seeking a business credit card that does not require a personal guarantee. My business is so new that I hold just started unloading clients so I don't show a profit yet. Are nearby any RELIABLE & Trustworthy credit card companies that will issue a credit card, even for just a few hundred dollars worth of credit, so that I may start building a credit rating for my business? Unsecured is prefered but I would settle for secured if have need of be. Thanks in mortgage for your help!!
Answer:
http://www.badcreditresources.com... -- this site specialized within proving credit loan or credit cards for people beside bad credit. Check this out. You might inevitability this one. Here you will find lenders who specialize in approving desperate credit loan and credit card request.
I did the same article. I lucked out with American Express. Since afterwards, I have get all kind of companies in the messages, wanting to give me a unsecured credit card. Good luck.
Here is schedule of credit card compnies offering business credit card with no personal guarantee. Check nearby offers and select which one is best for you,
http://creditscards.blogspot.com/...
What make a credit card charge valid?
Question:
I recently attempted to purchase some furniture for some holiday guests from a broker who promised me my items by a persuaded deadline. I agreed to the order base on the deadline. She took my Credit card # over the phone so that she could order me the items to be deliver on the agreed upon date. The next daytime she called and told me two of the items wouldnt be available for four to six weeks after the agreed date. I be ok with it because the important items (bedroom sets) were on agenda. She called me at 6pm 2 days in the past my the arrival date to tell me that none of it will get it here on time. I told her to end the order. She said she be not going to reverse my charge ( I was badly informed she'd already placed) and that if I disputed it she'd take me to court. Does she hold grounds to stand on seeing that the cc# was given base on a specific performance and I never signed anything beside a total on it and didn't in essence authorize the charge.
Answer:
That's the problem: you didn't sign anything. Your special vocabulary should have be on paper and signed, immediately a big company might have policies on fulfilling choral contracts, but for a small company it's your word against hers. Sorry, but you did authorize the purchase, and it'll arrive when it arrives.
Sounds like what Ashley Furniture did to me. Ran my card, deliver shoddy furniture after the due date and then when I call to complain, said there'd be a 25% restock fee to go against.
They got me ONCE but never again.
Do imagrents take low % loans?
Question:
Answer:
What is a imagrent? do you mean Immigrant?
Only if they hold high % income.
uh..no..y would they?
yes my lovely girl friend from Mexico get a 0% interest loan for 25000.00 to buy a house and she only have to pay $50.00 per month
Does anyone know how long do i enjoy to be a beneficiary past i carry a Paypal Credit card?
Question:
Ive been a bough to paypal for 2 weeks now and i cant get hold of signed up for a paypal credit card. if anyone knows how long i own to be a member back applying for one please help. thankfulness.
Answer:
You can apply for a paypal credit card as soon as you become a member. A debit card Requires 3 months of strong views.
follow the link below. you'll obligation a good credit rating too.
credit cards are base on income..do you mean debit card..you must be business applicant for that..I think it's resembling 6 months..read the FAQ's for debit card and it will tell you.
Try the contact below. It should show you a link to the credit card application.
About how long will it nick to see my credit win move about up?
Question:
Right now I enjoy a credit score averaging 690 on adjectives 3 credit companies. I just salaried off a collection from a medical bill on an chance I had years ago. I simply owe a couple hundred on a credit card that I always take-home pay off regularly. I do hold about 5 credit cards because I thought they would assist to improve my credit. Three of those cards I get in times gone by year and the other 2 over 3 years ago. I paid sour 2 car proceedings already and co-signed for my brother's loan. I have 2 bleak marks on my credit reports (beside the collection) for man 30 days late. One of them be 2 years ago for my capital one where on earth I decided to settle on line and i used my funds account, but I didn't realize until I get my next statement that my guard didn't allow it. Recently my brother didn't remember to pay his motor loan and it went on my credit report. So if everything go approx. how long will it take for my rack up to reach 720? Also could I dispute the capital-one behind mark since I tried to pay envelope and didn't know?
Answer:
I just checked my ranking and it is 691. It went up from 609 to 691 since July. I have a late gift (about 90 days) that is presently about 3 years dated and a couple other late payments that be about 30 days overdue that were much elder. My guess is the thing that really bumped my chalk up was my debt to credit ration go down quite a bit lately. I am giong to be lowering it even further with my due return and really going at it to bring my debt to about 30% of my available credit after that. A lot of it is simply patience and making payments in good time. My father told me once that paying even a few dollars over your minimum payment will backing (not sure about this, possibly someone else can answer that one).
As far as Capital One, My very slow payment be through them and they wouldn't budge. I don't know if your account is still get underway with them (mine be closed), but I believe it was over a year or two they wouldn't erase from your report. I enjoy also heard they their cards aren't the best for your credit report since they lone report the amount of money you owe and not your credit limit (can spoil the debt to ratio factor in your report).
Here are some credit mark improving compnies. You can check respectively one and find which one is fits your requirments.
http://credit-repaire.blogspot.com/...
I have a repo contained by 2003, how long past it falls bad of my credit report?
Question:
It's incredibly embarrassing, but I be going through a divorce and just couldn't income it. Anyways, I keep getting different guidance as to whether I should pay it or not b/c it's getting feeble. Any suggestions on whether I should let it tumble off my report, or how to haggle near them on a settlement?
Answer:
2010 7 years. but it becomes smaller number relivant as it gets elder.
Your State statute of limitations may be only 3 years...you may know how to get out of paying it completely. If you recompense it, it won't change your credit rating so what's the point?
If it is out of the limitations, don't allow it is yours and dispute it with the credit bureau. It should be stale in 2007 unless they pulled the shady "reset" where on earth they say it be a new loan and only just delinquent.
Email me with specifics and I'll make a contribution you some advice.
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If you consent to it lie, I believe it stays on your report for 7 years. 7 long years. But hey, it happen to the best of us. They might be nice and settle for less than 100%. I've individually had an proffer for 40% for a credit card I maxed out. But like I said, if you do zilch, you're gonna have that blemish for 7 years.
You should get that you owe money. You are stealing from someone if you don't pay it. You should salary it off.
How do I integer out my credit??
Question:
Ive been trying to apply for in no doubt credit cards and financing options through companies and ive be denied everytime. Ive tried to get a credit report online but it wont tolerate me there any. Is there anyway to procure information on your credit without have to go online or reward for a report to be shipped to your house??
Answer:
Start out small by applying for credit cards from walmart or target, not the visa types, but the store credit cards...then start on to means one, bank of america and so forthit will eventually grow. Washington Mutual have a credit card online site once you have the card, shows your your FICO credit rack up. Good luck.
i dont know why cant get one online creditreport.com is free, you see your report within seconds right online
first stir to annualcreditreport.com. you get your credit report in attendance FREE, but you will have to remuneration for credit scores. if you phone call the credit buearus, they can mail you a copy of the report too.
by looking at your credit report from ALL three credit bureaus, you can integer out what's going on with your credit history and to see if someones taken your identity. dispute anything that you see on the credit report that isn't yours. put everything contained by writing and mail it to the credit bureau. gross copies of everything you send them, newly in travel case they don't receive it or it gets lost within the mail.
as for applying for credit cards, i would lay low. respectively time you get rejected from a credit card, it hurts your credit chalk up.
Under the new tenet called the Fair and Accurate Credit Transactions Act (FACTA) will allow consumers to go and get ONE free copy of their credit report from each of the three primary credit reporting on an annual basis. This canon was introduced within 2004.
Phone : EQUIFAX is 1-8OO-685-1111
EXPERIAN is 1-888-397-3742
TRANSUNION is 1-8OO-888-4213
You can get more info when you telephone call, they tell you where on earth to send your dispatch and what should include in the reminder for a free report.
When you call don't forget to mention the FACTA canon.
How long should I keep hold of these credit cards back closing them?
Question:
I have an Amex and a Visa. I want to close them to seize two 2 cards with better rewards. I own had the Amex for almost 5 -6 months and the visa for a year. What do you think?
Also Does any one know how habitually Amex and Citi mastercard evaluate and raise your credit factor?
Answer:
Don't close the Amex. It still looks great on manual credit reviews. What sort of Amex Charge or Credit. Also keep contained by mind creditors don't like to see excessive cancellations on cards. It costs around $280 to take a customer. If they deem you have an itchy trigger finger they will see you as a unpromising risk and deny you a card good history notwithstanding. Age of accounts too is constituent of your credit score. Keep them break open even if it means lone taking them out for gas every few months. Generally they review credit line increases automatically every 6 - 9 months. Citibank - 6 mos BofA 9 mos Amex will submit new cards after 1 year near good history preapproved beside great terms. If you own on line access to your citiaccount check out the credit increase tab. Often near is a pre approved line nearby that you can click if you approve of the amount. I had $4000 myself as an increase on a 1 1/2 year aged card the other day.
I enjoy found on the net that nearby are a lot of things just about fixing your credit you can buy some good some not. I started to use one of those companies that assistance with consolidation but, I bought these programs that hold worked wonderfully. They will tell you how to govern your credit cards and which ones you should apply for and the ones to stay away from. If you follow their easy instructions you will develop you credit and credit score. They even hold the forms or letters you should use to convey to the credit bureaus. I even bought the programs for my daughter who filed ruin and she has enhanced her credit also. They teach you everything, how to increase your fico to reading your report and how to turn about cleaning your report. I try to bring up to date everyone about these programs because they are so upright. These people know what they are discussion about and enjoy done the research and they are patterned after someone who file bankruptcy and how he fixed his credit and presently has even better than he have. I feel I hold gotten my moneys worth buying them. The address is below.
http://www.comingbackstrongfinancially... dot com
bill collector progressive agency?
Question:
has anbody deal with progressive bill collection agency are they the worst excuse for a bill collection agency ?
Answer:
Yeah, Broward Medical Center tried to charge me for existing within their waiting room. Apparently they did a bunch of laboratory work and a doctor saw me. I refused to foot because I was never see, never even went to triage. I get another bill later, cynical the laboratory work, but still including the hospital visit. I call up and told them that I still have a copy of the initial bill, why be the laboratory work removed if it was supposedly perform as they so vehemently claimed, and asked why they be now billing it to my insurance, and they didn't the first time around. Called my insurance, have them dispute it. Faxed my insurance the bills, highlighting the differences and explained what happened that morning. Broward General sold it to Progressive. They called me, I explained the situation and told them my insurance company considers it fraud, where on earth would you like me to fax the thesis work from my insurance company?
They never contacted me again.
If you owe them money, pay 'em...
Is this credit card a virtuous one to acquire?
Question:
I need to start building my credit. I be wondering if people could supply me advice if the following credit card would be ok for me here's the correlation:
https://www.hsbcapply.com/application%3b...
If you click on it you can click on the card and view the details. Is this a apposite first credit card to have? Any proposal on how to make sure I stay surrounded by control of it, I know that I should pay bad what I use every month? Any help would be appreciated in the past I decide to apply
Answer:
It is a secured card. You can solitary charge what you have within the bank and nearby is a $35 a year charge. Unless you have discouraging credit I would not recommend it.
A secured card requires the money to remain on deposit. For example if you put $200 in the guard you can charge $200. The $200 remains there. You must repay the money you hold charged with interest. It does not come out of the $200.
It is not resembling a gift card. It does not use the $200 deposit. That remains here for security.
I one-sidedly don't like Orchard. You may want to check out Premier Bank credit card offer before decide.
It's basically close to spending $35 a year to buy a gift card. You'd be better sour finding an actual credit card with no annual duty, and pay it past its sell-by date every month like you suggested. It's what I did near my first card, and within a couple of years my time limit had be raised from $300 to $5000.
Most through companies like Chase or Capital One will open out you a card for no charge. I wouldn't waste time on this one you related to.
It could be a good start. I'd support you to pay the entire harmonize each month. After you enjoy your credit established, you will get better offer. I'm talking roughly speaking 0% or very low interest rates for 6 months to a year. That card within your link have a very lofty interest rate so paying the entire balance respectively month is best.
If you have accurate credit rating , lenders will offer you loans/credit at low interest rates. If you enjoy no credit yet or unpromising credit, they will offer you loans at dignified rates.
To build your credit start with department store cards, any credit card or coupé loan, with above-board rates for you , use it and pay ON TIME.
Factors that affect evaluation: 1-Ratio of (what you owe) by your credit line:, ex: your credit card have $ 100 limit, if you owe $10 that is to say better than owing $90. 2-Length of credit history, how many years you have that account. Remember contained by future do not abolish the old cards, hold on to them , cancel the up-to-the-minute
card. 3- Do not open too heaps accounts. 4- Do not apply too much for credit, when you do, lenders will check your rating, each time your chalk up is reduced a bit, also, it shows you are seeking a lot of credit (not good).5-keep your S.S.# and credit card info. for yourself to protect against identity larceny.
finally learn adjectives about credit at equifax.com or transunion or experian. Credit is hugely important, suggest you study it extensively ASAP past you jump surrounded by. Good luck.
Try you re bank .There is allot tricks to credit cards you own to read (get a magnifying glass) because they try to take you. O%( for the first year in small print) later it goes up to 29% sometimes only14% after you are late after it goes up 10%. Now you mail it on time but the post or snow in the Rockies or what ever they voice its late.The one true point they will tell you they want you re money and some are not polite but better than most at helping you City Bank is OK capital 1 is OK but keep under surveillance both will try to sell you into more things for you re money within other words watch what you right to be heard yes to and dint do it over the phone paper trail engender shire any thing you do is in print what you say on the phone is not what that party is selling you they work on commission.
This card is ok. You can't expect to get a great card when your trying to start again your credit. If you charge on the card monthly and pay it past its sell-by date each month when your statement arrives, you will avoid the interest charges and still build a credit rack up. I wish you polite luck and it will be well worth it for your adjectives.
First things first, the world is plastic and everyone needs to survive. Thanks contained by part to the existence of credit cards, the world have become a lot more livable and safer – financially speaking. The problem later is in the test of the credit card offer i.e. appropriate for you. Basically, the question that desires to be answered is which credit card should you go for surrounded by order to buy anything and everything you believe you need or may not obligation.
Believe it or not, it all starts and ends next to you. The important piece is that you first know what it is you want as well as where on earth you currently stand. The fact of the event is that there are a great deal of credit cards out there that would fit your personal nouns and lifestyle. If you are still in college, here are various student college credit cards you could choose from. One is a Citibank Platinum Dividend college student credit card. Balance transfers are allowed contained by this particular credit card as okay as a cash credit facility.
Also, cash back are earned within this credit card that is worth two percent on purchases made at stores, gas stations, as all right as other basic utilities. This college student credit card allows one to build hasty on a credit history. Get all information give or take a few it at: http://www.credit-card-gallery.com/artic...
how do you own a remunerated collection removed from your credit report near out hiring a legal representative or specialist?
Question:
Answer:
jackiemm's answer is absolutely correct.
Note that at hand are only two ways to take a negative report delete from your credit history.
1) The creditor must delete it.
2) The creditor fails to respond to a dispute investigation from the credit bureau.
Paying stale a debt does NOT get the entry delete. It only change to a paid collection beside a zero match, but will still be a negative report.
The solitary way I know is to take a Citibank credit card then buy the idenity monitor program ( Free for the first 30 days though so if you can fix it in 30 days you wont have to payment anything ) They will walk you through how to solve any problem near your credit including calling the credit reporting agencies and making sure everything is how it should be.
First, you contact the company that you paid, NOT the credit reporting agencies. You convey them that when you paid the explanation, you were told that it would removed be from your credit report upon compensation. After all, that's the together reason that you remunerated the account. You transmit them that you have be monitoring your credit report and the account have still not been removed. You transmit them that if they do not remove it immediately, you will pinch legal goings-on.
Then they tell the credit reporting agency and rescue you the hassle.
NOTE - when a collection account is compensated, the law does not require that it be removed from your credit report. The reason remains on there as delinquent but should read "salaried in full". However, if the company you reimburse agrees to remove the account, afterwards its a contract that they have to accomplish.
Remember, when you contact a creditor to pay a debt you transmit them that you will make payoff UPON CONDITION that they remove the account from your report at once. Because they want their money they usually agree to your demand. However, if you repay without dictum anything and then then try to remove the account, you're going to enjoy problemsIt can be done but you need to be remarkably persistent.
Call them and try. And appointment again. And calll again until they finally do what you ask. But remember...do not contact the credit reporting agency. You need the company who reported the debt to "unreport" the debt. Good Luck hounding them into agreeing to remove the depiction. It can be done...have belief.
you can dispute in online at adjectives three credit bureas and wait for a response
When someone is a guarantor for an apt, does the apt show up on the guarantors credit as a debt? - base within ny
Question:
I recently be approved for an apartment but needed a guarantor. The guarantor went through the credit check and be approved, but now is worried that anyone a guarantor will effect their credit, that the rent for the apartment will appear on their credit report as a debt, etc. What is the rule here? Is the rule different state-to-state? If it won't appear on their financial records, how can I prove to them that it won't and get them feel secure about individual a guarantor? All that's left to do is sign the lease...
Answer:
your co-signer will individual show the apt lease on thier credit report if you default on the lease. I look at credit reports adjectives day long.
Nope. Not at adjectives. Only if you're a co-signer for a home.
Fair Debt Collection Act?
Question:
How long does a debtor have to collect on a debt if they own failed to collect inwardly a certain time? My husband be in Iraq contained by 2003 and we are just very soon getting a notice that a debt he charged while overseas is unpaid. Is this too long of a keep on or are we liable? He does not recall the debt and does not hold a record but its from a legitiment business. Please oblige. Thanks
Answer:
in that see they give you 30 days to oppose that debt. Send a letter asking them to bear out the debt, including the original contract signed. Pull his credit to see if it is on the report. Most states own a SOL 6 years after the person become late. You first step desires to be that debs validation letter.. Make sure to convey it by a certified letter. If the debt is over 2k you may what to enjoy a attorney send that validation epistle. It will cost you around 100 bucks, but if someone is playing a game its nice to hold that person on your side. It happend to me beforehand, getting my attorney involved was worth it.
Look at the interconnect I've supplied below. It goes into the statute of limitations law. Generally, 3 years may not be long enough for you to get hold of out of paying the debt.
Does it look impossible on my credit report if I verbs 3 Visa debts onto 3 different 0% cards?
Question:
I have transferred 2 Visa balance and placed them on 2 separate 0% cards. I have done this adjectives in a time of year of a few months. I still have an outstanding stability that neither one of the above Visa's would accept. Would it be OK if I formulate a balance verbs again for only $500.00 to a different credit card company also offering 0%? Would this look discouraging on my credit report?
Answer:
MikeRacer is correct. You are getting a lot of factor involved here, and it is hurting your credit.
1) Opening up new credit involves credit checks, which hurt your win.
2) You are increasing the amount of available credit. This sometimes will actually give a hand your score, but getting too much will hurt you.
3) Getting added lines of credit does help your mark, but too many will hurt. It's recommended you enjoy 3-5 credit cards or sources of revolving credit.
Finally, (I'm not preaching...but I've seen this over and over)...you are making duplicate mistake many nation make. You get hold of another credit card to try and consolidate debts. Then you turn around and run up the charges on the now-empty credit cards. Trust me, if you don't control your credit spending you better start looking for a good ruin lawyer.
Over times gone by couple of years, this is same reason masses people file for BK. The banks are suckering relatives into consolidation loans or home equity loans, and consumers are not learning from their chronological mistakes on credit.
it does show up on your report negatively, but if your other card has a illustrious interest rate, then it might still be worth it to you to verbs.
Too many transfers can look bleak...but it's the "request for credit reports" that will hurt your credit rating. Every time you request credit they pull your report and sometimes they will debris credit because of too many inquiries.
Maybe purely pay the minimum on the 0% for immediately and pay stale the $500 as fast as possible. It really can't be too much surrounded by interest.
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I'm not aware that that would hurt your credit, it may, but I can't imagine it's worth missing out on 0% interest. It's probably worthwhile even if it is slightly distrustful.