Debt management

I am currently living in a rented house with my partner, and am working full time in the same job for the last 4 years. I have bad credit due to defaults that occurred a few years ago. I am struggling to get any form of credit. My partner has 'fair' credit according to Equifax and TransUnion, although he is currently unemployed.

We are looking forward to buying a new car and so would want to know the best options. Is my partner likely to get credit without a long job history? Should we try a joint loan to boost chances?

Thanks.

I had a payment arrangement set up with a credit card company. However, it came to an end recently, but wasn't able to renew it. Called the company for a month and could not reach anyone that could help. Finally when I was able to speak with someone all they could say was I needed to contact a debt consolidation agency to go on a program. I have sorted out arrangements with every other credit card company I deal with and each and every one of the other companies have been really nice. What I need to find out is can anything be done regarding this situation?

My question is what does "last activity" really mean?

I'm being pursued for a debt of $50, but it is for a parking violation claimed by a parking operations company in Chicago. They sold the debt to a collector in Colorado. The violation occurred on 5/2/2007 at a specified parking lot. However, I wasn't in the city on that date, and have never parked in the parking lot they specified. It is unclear on just how they obtained my license plate.

Last week I was going to get pre approval letter for a home loan when some accounts which I had previously disputed came back on my Credit Report under a new name. Last year there was about seven unknown medical accounts listed on my Credit report by a company in excess of over 5K. I did not know anything about the accounts and disputed the accounts with the Credit Bureaus, and the items were deleted. I filed a police report of this incident and was informed the accounts that were on my credit report they had no record of in there system. They have my social security number.

I was one month behind on a loan payment and was contacted by the collections department. I had set up a chain of automatic withdrawals from our personal checking account and assumed that the missed payment was scheduled for withdrawal. I spoke to the collections agent and shared my misunderstanding with her. I agreed to send a check for the past due amt., fee, and next payment before the due date. My husband owns a record label which is an LLC. His business account is with Capital One Bank which is the holder of the loan that is under both of our names.

Hello All,

I made the decision 3 years ago to quit my job and take care of my father who had a stroke after open heart surgery. Dad is well now!

I have depleted my 401K and next month will no longer have funds to pay my credit cards. I started a new job in Real Estate and will have my first closing in July/August.

A creditor called at home last month. I wasn't present at home, but my boyfriend was. The creditor spoke to him about my account though he is not a co-signer or joint owner. He was told to remind me that on 17/4/2010, $500.00 would be debited from my account. If there was a problem with this I may call back before that date. Mind you, I never, ever, authorized this withdrawal. Basically, the creditor manipulated the conversation as if I had previously authorized this. Anyhow, my boyfriend forgot about this and now $500 has been withdrawn from my account.