lostcause

 i have a discover motiva card with a apr of 9.24 and a limit over 8 thousand and have had this card since 2007, that apr is my rate since last yr.and i have has several cash back from this card.maybe you should look into this card?

why in the world would you pay a annual fee in the first place that my freind? that is extra money that the card company is makeing off of you on top of the arp rate. good to bank rate .com and see what type of card you might beable to get stay away from capital one nothing but problems with that company. but orchard is a good one to look at also matter of fact a very good one, hope this helps you. 

 yes but you will be paying thru the nose with a high apr rate and possible a longer payment plan.

 hey that person is blowing smoke up your well you know, the agree payment will show up as paid in full as agree and account closed, trust me a couple of yrs ago i had a settlemement with a well known bank on accout and after all said and done that was what showed up on my report, but if you have any question you can call the fed goverment and double check if you want??

 i have one from a bill that is 5 plus yrs old and i did not pay the bill because they could not prove the work was done that was charged.. in 2011 that one comes off of my report, and my score is 700 plus dispite that old bill, do not pay it unless you want to restart the sol again leave it alone..

 or maybe there is something in your report that your not aware of? like maybe a old collection that has not dropped off yet? most of my cc have lower the apr and raised the limit on them also,my apr range from 9.24 to 11.99 which inclue discover mastercard and chase.

 stay away from any card with an annual fee or setup charge they are makeing money off of you from the start. and with a very stuipd apr why would you do it in the first place? look at bankrate .com and see what type of cards would be a better fit for you. stop look and think always when it comes to credit card and apr.. mine apr run from 9.24 to 11.99 because i shopped around for the best intrest rate and i pay off my bills each month.

 or you could request from all 3 credit reporting company a annual report on your own and if you do it at different times of the yr it will not cost you anything at all unlike  annual credit report .com which charges you a fee after a trail period. i pull mine at 3 different time each yr at no cost to me.

 check your credit report it is possible for someone out there useing your credit information out there with out you knowing about yet>?

 do not pay anything right now and yes they have to tell you who is the first bill from..and if you have the information from them by their companys name , then i would remind them that of course it depand on where you live but the sol in there and go away, and if they do not them you can file a lawsuit against them,

 why are you dealing with a high apr in the first place?? i have called all my cards and got them to lower my apr rates  my rate now run from 9.24 to 15.24 which is my highest one for now . i talking about discover to boa to fia to chase. call the corpt office and see where that will get you, it worked for me. especailly since always either paid off my bill in full or paid half each month, like i said talk with corpt office.

are we talking about bank accounts or credit cards? either way file a police report and give the police all the information you have and let them do there job. i would also check to see if by chance in another state under your personal information there is not another drivers lincense( i know my spelling is abit off) contact the federal goverment about what else you can do. i had my ssn bought and sold in a flea market a few yrs ago. 

 first how old is the debt? if its past the staute of linmition in your state then leave alone. it will come off your report in 6-7 yrs, i have one which started back in  05 and that company could not prove the work was done in which they where chargeing me for so i stopped paying and in06 a collection company bought it and has  tried to over charge me what the first bill was and its still disputed to this day and come off in 2012 and my score ishigh

dispute and dispute the bill since it wrong and you can prove it. 

 well lets see your date of birth and ssn should help somewhat and find out who your family members owes and make sure that they have the correct information in there files, i would not change my name but maybe address would not be a bad idea, like a p.o.box for example. to make sure your not getting his problems.

 leave it alone, it will stay on your reports for a few yrs i know what i am talking about i have one that was sold to a collection company back in 2006 and since the original company could not prove the was done that i was charged for i stopped paying it, and on top the collection company has doubled the bill from the first company. if you start paying it then you will restart the stautes of limimting once again. mine drops of in 2012, oh by the way that stay there on your report  whether you pay it or not.. my score is between 750-800 got the picture? just do not let anything else go that way.  good day to you.

 recover 3-6 months but stays there for a yr or two

 it also depands on what type of car your looking at? but the better your score the lower your payment and intrest rate, been there done that.

 well i hve a negitive on my report and its also disputed and that will stay on my record untill 2012. hope this help answer your question.

well here in tx the  its a 4 yr time zone, as long as you do not start paying on a collection which by now is not the first company you owed to, then you should be ok? you see collections company who buy old debts try to tack on more than whats the first bill is, i have one that was bought and sold to a collection company and that companys wants more than the first bill. the first company could not prove what was or was not done so i stopped paying the bill. but it will not come pff my report untill 2012, and its reported under all the credit reportting companys as a dispuited item

well are they your cards are someone elses? if they are not your cards than no big deal because it will not affect your credit . hopefully this helps you, awhile back i put my daughter as a authorized user, get the picture?

get in contact with chase again and let them know that they are messing up your credit report by them not reporting the correct information, sure they would love for you to go beyond your limit for they can hit you with extra charges, be very carefull do not be happy with what the customer service people tell you. i have had to talk with the upper head people to get some thing done the right way, keep on fighting this thing and good luck. what i mean upper head for example president of a bank or two.

you need to contact the account company and see why its still on your report, it should have been closed when you did bankruptcy 12 yrs ago. and of course you can dispute that information on your report.

why would anybody in there dight mind agree to a annual fee in the first place? the cards i have are much lower apr rates than this card is offering, this card is i guess good for people with losey credit scores or unable to get them out of a problem with credit.

The APR is to High to Start With and on Top of That Who In There Right Minds Would Pay A Annual Fee to Use The Card??? Thats Why I Closed My American Express Card.