Understanding my credit score.. TransUnion says it’s 732 and Equifax says it’s 762. Which one matters?

Understanding my credit score.. TransUnion says it’s 732 and Equifax says it’s 762. Which one matters?

I just looked at my credit score and am really confused. Do I have good credit?

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


RELATED:

If I have the suffix JR on my debit card, where do I put it in an online payment?

Ok so I want to buy Minecraft for PC, and when I go to pay for it, I’m using a Mastercard debit card linked to my checking account at the Wright Patterson Credit Union in Dayton, Ohio. My name on the card has JR at the end after the last name. In the payment info for minecraft, there is no spot to put a suffix. Do I enter the JR after the last name in the same line? It declined my card three times, even though I know it works, I used it today at the grocery store. Could it just be the website is having an error? Is it mastercard’s problem? Is it a problem with my bank? (And yes, there’s enough in the account to buy the game many times over) Please help!


If you are under bankruptcy chapter 13 and your car was totaled out from a car accident what will happen next?

Will the courts allow me to buy another car? Will my bankruptcy payments go down? Will i recieve a check from the insurance company? i just need some type of information.


Can my husband legally kick me out of house, I am on the mortgage?

thanks for all the advice so far. he is not a violant person, just loud and annoying. as far as the house i would keep it if i knew that i could pay for it, and i cannot on my own. i am not giving in i just cant buy my own house until he refinances this one and we get divorced. i also know that he is trying to scare me, but it is getting old and now he is wanting to know who is at the house at all times, (my family is coming this weekend) i dont see the right to tell him, but he keeps telling me that it is his house and he has a right to know. he is an idiot and thank you to everyone who responded.


Which service should I conduct my free credit report with?

Well, I just turned 18. I’ve taken business classes all through High School. My senior year was a real eye opener. My teacher told me that as soon as I graduate to obtain a credit report. Alot of people have their identities stolen and don’t even realize it before they are up to their necks in debt. So, I know my rights as an American citizen and I know I’m entitled to one free credit report every twelve months. Of these three: Experian, Equifax, and TransUnion; which one is better and why?

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance

Best Buy Credit Card- does it affect credit score?

I’ve been approved for a $4000 credit limit with best buy. I bought a speaker for $140 and made the minimum payment of $25 one day late. Will that affect my credit score?


I need a loan shark by monday the lattest.?

I got my self in a mess where the only way I will be able to get myself out is if I am able to borrow from a loan shark. I live in michigan and if any one knows any information on how I can go throughout doing this please let me know.PLease no stupid answers on this question I already know it is not the way to seek help. I am not able to borrow from any banks or credit unions. I have been turned down at every online source possible. PLease give me some info that can help me. I need $25,000 by monday. any one have any good ideas for me. I also have a list of scammers that are on yahoo so dont leave me an answer about getting scammed it already happened to me once.please leave good answers and not stupid ones. thank you


What are the chances of being approved for a USDA home loan…?

My husband has recently started receiving disability payments as a result of a degenerative disease that went from something little to something debilitating seemingly overnight.We had to uproot our kids and move in with my parents . We didn’t prepare for this properly (he was 28) and it has destroyed us financially. We have been working with someone concerning USDA and were told that if we paid everything off of our credit report we should be ok. We are a loan because there are no rental options here and no other options for 35 miles, We are trying to keep our kids in this school among other reasons. They ran our credit before we paid several things off (all clear now) and we were given a letter that said it doesn’t look good. We can’t pre-qualify, but if you show you are making an effort and would like to continue further it is still possible. We have paid everything off of our credit, we have written a letter explaining our situation, we have picked out a home that would take about 25% of our income- not only that, my mother said we can not stay beyond the 1st of Oct. We have talked to the owners of the home and they are willing to rent it to us for a short period if we are on the road to getting the home. Is anyone educated on this? I’m very nervous. We put in a check for them to run our credit fr approval and it will show all debts recently paid…


Understanding my credit score.. TransUnion says it’s 732 and Equifax says it’s 762. Which one matters?

I just looked at my credit score and am really confused. Do I have good credit?

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


Is 724 a good credit score?


Will bankruptcy stop a foreclosure?


Renting out a house, Wells fargo home mortgage?

hello, I am thinking about renting out my house, but i have a mortgage on it. Currently i am at 84.2% loan to value and my mortgage is a fixed 15 year loan through Wells Fargo. Is there any issue or problems with renting my house out per the mortgage company? I have contacted them, but they need to send me a form to fill out (5-7 days US Snail Mail) and then they will review. I am just looking for a rule of thumb, hunch, ballpark answer. Hell no you cant rent it out! or shouldn’t be a problem!


Need a loan shark! Needing a loan asap?

I need to get a loan of between 10,000-40,000.00. I am trying to buy a business.


How to settle a bad car loan?

if she filed bankruptcy, she still wouldn’t have her OWN car. unless she paid cash or something like that. and either with bankruptcy or debt settlement she would be starting over to save her money for a car. and driving her folks car for as long as they allow. which has already been 19 months. would’ve thought she should save 5-6k on top of what she has by now considering how long she’s been driving it.


How do I remove my brother in law’s name off the mortgage and deed?

I’ve made a dumb mistake by allowing my brother in laws name to be on the mortgage and deed. My sister and him are about to get a divorce. My sister and I want his name to be taken off but he won’t cause of the benefit of getting a portion of the property’s money if we do sell it or if he die (he can write a will and give that portion to his son). We even asked him if we can refinance and he refuse that signature also. So basically my name, my sisters, and my brother in law’s name is on the paper. What legal actions can I take so he won’t be involved with our property anymore? Btw he never payed a cent nor live here.


I want to get a house with my inheritance money but don’t know anything about buying one?

I’m in my 20’s and I’m getting $600,000 in inheritance money soon. I am going to buy a new car, but other than that I’d like to put some of the money down into getting myself a house. Should I find one for sale by owner or through a real estate agency? How much of my money should I put into a house? What should I know before I get a house?


Where do i find a loan shark

Loan shark in ireland


Understanding my credit score.. TransUnion says it’s 732 and Equifax says it’s 762. Which one matters?

I just looked at my credit score and am really confused. Do I have good credit?

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


Why are credit card rates over 18% when the prime rate is 4%? Are we all sub, subprimers? ?

What is ususry and Is it immoral or illegal?


How can i access my credit score free of charge?


Me and my dad have the same exact name. Some how all his loans/debt are under my credit?? any1 plz?

This means its under my social security number. How can this happen? and what can i do about this situation?. Plus why not his own credit?. Can I file a lawsuit against who ever made the mistake? I am 22 and my credit score is 493.. not a good feeling


A credit card charges a daily periodic rate of .05318%. What are the monthly and yearly rates?

Ex 12) A. 2.34 monthly and 24.59 yearly B. 1.59 monthly and 19.14 yearly C. 1.43 monthly and 17.16 yearly D. 1.85 monthly and 18.50 yearly


How to raise your credit?

So after pulling my credit report. It turns out I have about 1500 dollars in debt. That debt includes a cable bill, electric bill, an old credit card, and an old T-Mobile account. The rest of the debt is like 8000 dollars in medical bills, from when I had my daughter, a couple years back. I guess my question is should I just pay off the 1500 dollars to raise my credit, and not worry about the medical bills? Or should I contact a debt consumer agency, and try to pay it all off? Should, I declare bankruptcy? Right now my median credit score is about 560-570, and I want to buy a house. How long do you think, it might before, I achieve this? I do have two great lines of credit with both my cars, both due to be paid off soon. I also applied for a secured credit card and got approved. Any financial advice would be appreciated.


Where is a good site on the net to get a credit score without having to sign up for some costly monthly plan?

Or, at least one that is easy to get out of if you get trapped into a plan?


How do I request my entire account history from my auto loan finance company, (Wells Fargo Auto Finance). ?

I am not sure that the balance due is correct, and want to see the payment history. how do I request a payment/account history? Need a sample letter or something, Thank you


Is fakenamegenerator legal?

there is this website called www.freenamegenerator.com that sets you up with a fake credit card. it sounds illegal but u would think that if it was illegal then it would b shut down. is it legal or not?

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


How can i get a free credit check without offers of free trials?


Can i get an auto loan at an out of state bank?

Tomorrow, me and my fiancee are going to trade in our old car and get a new vehicle. The new one is in another state. We owe 5k and are getting that for the trade in value, so it is pretty much canceled out. Now we are having to pay about 10k for the new vehicle. Will be able to handle everything at the bank where we are buying the new vehicle at? Seeing how the old loan was at a bank in another state… Thanks for the help.


If I check my credit score?

If I check my credit score and someone else is going to be checking my credit score will this allow him to not be able to do so?


$ 10,000 loan needed A.S.A.P.!!!?

long story but i need a ten thousand dollar loan before the end of this month!?



BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance

Can some one file Bankruptcy on a banknote, also After filing bankruptcy can Someone buy a house?


Understanding my credit score.. TransUnion says it’s 732 and Equifax says it’s 762. Which one matters?

I just looked at my credit score and am really confused. Do I have good credit?


Isn’t boxing + wrestling the best combo for a streetfight?

I’m 17 and was thinking about starting boxing classes for self defense, because my neighborhood is getting crazy. And I used to be on the wrestling team so I know some grappling moves. Would boxing be a good class for self defense? I used to take karate but I stopped because I was young and VERY out of shape.


My bank has sent me a letter about my credit scores. I see names and coments but where isthe score?

Newbie with no credit card balances and confused during home loan process-first time home owner age mid 50s married with independent business for over 30 years-many commercial and realestate loans involved with the business. Seems the fico is saying I am a bad risk but not sure if I am reading the right numbers. Teh comments all refer to not having any revolving credit and I believe the commercial loans we have. Would seem that a net worth over 1 mil and a d to a under .3 would not be bad.

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


Does anyone know of an online payday loan web site?


Any way to get a loan with bad credit?

Ok, i’ve been checking out a lot of websites and it seems 1500 is the most, is that correct? Would it be possible to go to like 5 different websites and get 1500 from all of them?


Will a bank buy my Student Loans?

I have a large student loan from Sallie Mae, and want to pay it off. However, they are only giving two options for paying the loan: Interest, where I make absolutely no progress, or Principal, which they determine to be over $400 a month. I can’t afford this, so I’ve been paying interest-only. I hear there are banks that will buy your student loan, pay it, and then you pay the bank back…is this true, and how do I go about doing it? I’d like to find a bank that will let me make progress without breaking my budget, and I’m so done with Sallie May. Also, should I just take out a personal loan and pay off SM, then pay back the personal loan? Other recommendations? Thanks!


Can i cancel a car loan if i still haven’t driven off the lot?

i live in rhode island and i just bought a used car at a dealership. originally the loan was supposed to be under my name with a cosigner. i wasnt approved for the loan so the man switched my name with my cosigner, and also asked me to pay an additional 1000 for a downpayment which i am supposed to bring to him this monday along with my insurence papers. me being excited and half stupid rushed signing the paper work. now reading the contract i notice that the price is actually $6000 higher then what i was told. (originally the sales person told me 15 i had asked if it was what i was paying after the the 5 year lease including interest he had said yes) now i read online and found out that it is next to impossible to cancel a car loan once you have signed the contract, but that a dealer has the power to cancel the loan in 10 days i guess if it feels it gave the buyer too good of a deal. in my case i havent finished paying the down payment, drove the car off the lot, or even gotten it insured. so even though i did sign the papers is there any way i can cancel the contract?


I need a loan to clean up my Credit, any ideas?

i want to get a loan and i cant find a company i owe 1500.00 in various bills but they all but pissed me off in any agreements to give each one of them a certain amount. As each one gets paid off i will take that amount and give to the others.. And they dont want it. I turned off my phone. I only have internet. I use a prepaid phone so they can bother me. I am on Social Security Disability. I would love to make one payment instead of what they want me to pay. One person told me to get a credit counsler. Another friend had a nightmare with one and she just filled for Bankruptcy because of them. What can I do?


Used car loan for $7500?

20 year old full time employed making 1500 a month credit score is 700. Looking to get a 7500 loan for a used car. How much am I looking to pay monthly for 32 months


What’s the difference between an auto loan and…any other loan?

I mean, why do banks have to have a separate category for auto loans? How is it different from just taking any other loan out and using that to pay for the car? Obviously, I’m not financial expert. I’m wondering what the advantages of auto loans are.


WHAT HAPPENS IF I DON’T PAY OFF A PAY DAY LOAN ON TIME ?

I got stuck in a payday loan situation. i have out 4 payday loans. (speedycash, cashnetusa, paydayone,checkngo) i made payment plans to pay 2 of them off within. the next month. how do i deal with the other 2 ? the other 2 i wont be able to pay them off untill after another month of paying off the 1st two. right now im in their companies collections. what happens after that part? do they send me to another angecy? i’ve already closed down the bank account so they cant take out and charge me NSF fees. and these were also online loans. so i never issued out any checks to come out bad. what am i looking at ? i am gonna pay them but its gonna be 2-3 months but they dont wanna hear it becuz they wanna be paid off right away…


REPLICAS SITES!! IOffer, MkHipHop, GoonB2B?

I came across and Researched on my own on these Replica sites ( IOffer, MkHipHop, GoonB2B. Etc ) I even Youtube and seen people purchasing products from these site such as (Gucci Belts, Jordan Shoes, LV Bags, Etc). Being Replicas isn’t the Problem but CAN I TRUST THESE SITES?? Are they Scams? How fast is the shippment. If anyone ever order from these site please let me know, i’ve seen a lot of products i want to order. It would be very helpful! Thanks! ;D

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


How long is best buy (the store) open till?

Help me out plzzz!


Understanding my credit score.. TransUnion says it’s 732 and Equifax says it’s 762. Which one matters?

I just looked at my credit score and am really confused. Do I have good credit?


Tax deductible? Cash-out refi vs. HELOC vs. Equity loans?

My wife and I are planning a major remodel which will start in around 2 1/2 months…we are having trouble finding info on the differences between cash-out refi vs. HELOC vs. Home equity loans vs. typical refi” as far as what the differences are as far as how tax deductible they all are (interest paid


Help please !?

Unearned Rent Revenue. The Krug Company collected $6,000 rent in advance on November 1, debiting Cash and crediting Unearned Rent Revenue. The tenant was paying one year’s rent in advance and occupancy began November 1. Okay, can some one help me. I know they told me the DR. and CR Transaction date December 31 D.R Cash and Cr Unearned Rent revenue Now would be Cash D.R 72,000 and unearned rent revenue 72,000 ?


Are there any lenders in the indianapolis area willing to loan to people with poor credit?

I don’t want a payday loan and the money needed is less than 1500 and can be paid back within the next two months.


How many months Property Tax should be paid in advance as reserve to Lender?

When you close the house, how many months of property tax should be paid in advance as reserves to lender? Does it depend on the lender? If lender says 5 months, can I negotiate with closing attorney?


What are the 3 factors that affect the rate of stream erosion?




















































1yr1m credit history for chase sapphire preferred? TU 741 equifax 737 fico 732?

1yr1m credit history for chase sapphire preferred? TU 741 equifax 737 fico 732?

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


RELATED:

Is there a site that is free to check your credit score!?


I currently have an auto loan and I would like to get another car. But i want to get rid of my first car.?

I have a 2007 Toyota Camry, I would like to trade it for a Cadillac CTS. But I only want to pay for one car. What happens to my first loan contract? Do I start as a fresh one?


Is a 5.2% interest rate too much to pay on a home loan?

I am thinking of borrowing money from the bank for a home loan. The bank offered to give me a fixed interest rate on a 30 year mortgage for 5.2% per year. Do you think this is a good deal or a rip off?


Does Wife have to file bankruptcy too?

To Alex. Duh. Hello don’t you think those options were looked over. My wife stays home because daycare would take up 93% of any salary she would make and we have no one to watch our kids for free. i have been looking for a different job for a year and a half. There are none. I am one of the lucky ones to have found a job here. I have a degree and I work hard. Because of the nature of my career and distance, it is almost impossible to get a second job. I am not looking for an easy way out, my attorney is the one who said this was my only option. If they garnish my salary, I cannot buy food or gas. I was not one of those people who lived beyond my means. My wife and I are both very thrifty. We never went out or on vacation and did NO extras. You must live under a rock to not know what has happened to this economy in the last 2 years or your rich in which case you had no business answering this question. Keep your nasty comments to yourself.

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance

How far in debt does someone have to be in to file Bankruptcy.?

This person does fall within the new guidelines of falling under the states mediam income level.


18 year old car insurance in NYC?! how much am i looking to pay?

parents are going to buy me our family’s first car in america. my dad has been driving for a very long time and has a license in china but not in america. This means, i cannot be put under my parent’s insurance since they do not have any. I’m planning on getting a used honda civic. my grades aren’t good enough for the discount.I work 2 days a week and get paid $120. how much would i be looking to pay a month? what are some ways i could lower that? (ex. parent’s co-signing, etc.)


If I file for bankruptcy, when could I possibly be able to purchase a house?

I have just lost my job and we have too many medical bills & are in debt too much. I would like to go back to school but can’t afford to pay the bills back & go to school…I would also have to find another job. We don’t want to jeopardize a future in getting a house, but would like to know, if we filed for bankruptcy, when could we possibly be able to have enough credit to get a house? We live in California.


1yr1m credit history for chase sapphire preferred? TU 741 equifax 737 fico 732?

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


Where can i find instant faxless loan payday?

Every payday loan company rejected me.I just need to loan 900 to pay for my bills , could you recommend me some I want easy approved instant loan with no fax request.


Does anyone know if the Obamas were close to bankruptcy due to irresponsible spending?

When BHO was a State Senator? If so post a link. It would explain a lot of the perks he takes advantage of and how he so easily spends other peoples money.


How do You file for bankruptcy?

how do you know when you should file, and if you own your home free and clear, how does that factor in the scheme?


2nd mortgage foreclosure, just want to start new :(?

long story short, my wife and I took out a 2nd mortgage for 50k to pay off her car and so she can have extra spending money, and now we’re divorced after 21 years of marriage. she’s moved out of the country so there’s not much I can do about her, but I just want to stop the suffering that my kids are going through. if I pay the 2nd mortgage then I don’t have ANYTHING left over and me / my kids go hungry, eating very little for weeks at a time. I give up. I want to let them take the house, I want to start new, but how? I owe about 50k on the first mortgage and 53k on the 2nd for some odd reason, every payment i’ve made goes to interest. what can I do? bankruptcy? what type? please help


How can I get a auto loan at 19??

I am living at home currently, and plan on doing so until I graduate, if I do move out it will be with roommates in a cheap apartment, the car payment will really be my only expense each month. I also will be making more money in the next month when I recieve my real estate license my pay goes up to 11 an hour plus commissions.


Would a fico score of 705 qualify for a 0% promotional auto loan?

It really should be much higher, I am disputing an unwarranted collection on there for a medical insurance non-payment that got turned over to me.


What’s the best website to go to get a FREE credit report without the hassles?

No BS about ads , I just want my free report.


What is the best debt consolidation company?

I need some help to get out of this hole that I dug for myself. Any suggestions pr personal experiences?


1yr1m credit history for chase sapphire preferred? TU 741 equifax 737 fico 732?

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


How can I file bankruptcy on a forclosure?

Last year my husband and I lost a home we purchased about 3 years ago. This house was to be an investment. We remodeled the entire house and completed just as the market crashed. This past March the house was foreclosed on after being on the market as as short sale for 2 years. We want to file bankruptcy because this ruined our finances. We still have our home we live in but we now have 2 creditors suing us. How do we file for bankruptcy and include the taxes we will probably be charged for the house we lost in March 2010?


How and or where can i get a soft credit report?

I dont want a hard credit report, so where can i look to find a report that will not effect my credit?? Thanks


How much does it cost to file chapter 7 bankruptcy in sacramento ca?


Has anyone gotten an fha home loan with bad credit?

I have a friend that lives in a home already, she wants to sale it, and get approved for a fha loan for another home after her’s sale. my question is can she get the fha home loan with a 8 year old bankruptcy, and a charge off thats her mom’s they have the same name, her lender wrote a letter about that before she sent it to underwritting, so is it hope for her?


Cosigner on Auto Loan files for bankruptcy.?

I have a friend that has had a car loan that is current, no late payments ever but his dad just filed for bankruptcy. His dad was the cosigner on the loan and my friends car got repossessed today. The loan is through Wachovia/Wells Fargo. Is there anything my friend can do? He has never had any credit problems before. Thanks.


How much negative equity can you roll into a new car financing when trading your old car in?


What all can you claim on bankruptcy?

I’m in debt, and need to file but don’t know what all you can claim on it.


How to apply for a Car/automobile Loan? How would a person be able to get a loan?

As for the answer from someone”— I can ask all I want for a loan

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


How does a recently widowed spouse file chapter 7 bankruptcy when there is community property debt?


Simple credit card interest rate question. My annual rate is 19.99 for purchases and 22.99 for cash advances. I took out 300 cash advance…?

22.99 divided by 365 is 0.062. So if I don’t make a payment on that card and just let it rack up, am I charged 300 x 0.062 = 18.6? Or 1.86? Daily compound interest? So on and so forth.


What are the services offered by the different financial institutions?


When reading your credit report, what is FACTORING COMPANY ACCOUNT (debt buyer)”?”

I am reading my credit report and I am trying to figure out what all of this stuff means. Thank you.



BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance

Who can I get an auto loan from with great credit but little credit history?

A Loan of 18000


1yr1m credit history for chase sapphire preferred? TU 741 equifax 737 fico 732?


Bankruptcy and divorce?

Can you file chap 7 in california after a divorce judgment to protect your wages?


CAN I LEGALLY GET RID OF CREDIT CARD DEBT ???????????????

I GET OFFERS ON MY EMAIL, BUY CAN’T TELL IF THEY ARE LEGETT.

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


Nationwide auto loan? ?

So my dad applied for a 2000 dollar auto loan for nationwide, they sais they will contact him in 3-5 business days. It said on the website 100 percent approved. Does that mean we will defiantly get the approval. And if they approve it how long will it take to get money, he applied for it on Friday, and I really need the money by Friday, will this be possible? Thanks!!


I filed Chapter 7 bankruptcy last year. Do I need to reflect this on my tax return? What steps should I take?


When you can’t make payments on drivetime?

drivetime charges me $400 a month and I’m having a baby and I really need that money. my fiance wanna just get a carloan from his bank for a cheaper car for me but I don’t know if drivetime’s gonna let me bring the car back and stop paying. and I spent some money on getting the car fixed because a professional mechanic saw frame damages on both sides and it clearly says on my drivetime paper works that the car never got in an accident and my friends told me that I can hold that against them but I don’t know how and I don’t wanna go in too much trouble I just want to stop having to spend $400 every month for 4 years. what should I do?


Cash converters payday loan?

I have a payday loan with cash converters, which Ive had for a year, but cant afford to pay, and not get back to live. This month I just wont have the £286 to come out of my bank. I naturally dont want to default, but am unsure what to do. Should I go into the shop and see if they will take smaller payments?


Which is best in HDFC bank and LIC housing finance regarding to take Home loan?

We want to take home loan so pls suggest which is best both of above


What in the terms of a mortgage would prevent the mortgage from being included in a chapter 7 bankruptcy?

someone told me that there are certain things in the terms of a mortgage that could prevent you from including your house in a chapter 7, but of course they cannot tell me what. i will not be meeting with my lawyer again for a little bit so i can’t ask him right now and i’m worried now because i WANT to include my house. all i can find when trying to research this stuff online is how to avoid foreclosure on a house. i don’t want to avoid it. i want to get rid of my house. i cannot afford it. so, for anyone out there who knows about this stuff…what would ever prevent me from including my house in my bankruptcy?


Bankruptcy with personal loan not in my name?

I am going to file bankruptcy I want to include a personal loan my ex took out in his name for me. I can not afford to pay it any more. I lost my job and have to many bills. Im worried something would happen since we have a child together and I wanna stay on good terms. Can he file something against me to get it included?? How do I do it?


Why would a banker suggest I get financing from a dealership?

Called my bank for per-approval on a used auto loan (my first) and was told outright that they and other banks weren’t really interested in dealing with per-approvals over the last couple years. (My bank is M&I, which was just bought by a Canadian company). He never took my info or ran my credit or anything, just flat out refused to look into it. While I do have a ton of school debt, I have sufficient income to make auto loan payments and then some.


Private health insurance that doesn’t deny coverage for transgender people?

Again, I don’t WANT things like SRS covered. I just want insurance in case I get into such a bad accident or get so sick that I end up in the hospital.

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


WHY TO WRITE LOAN APPLICATION FROM PLACE TO PAY MY RENT ADVANCE?


1yr1m credit history for chase sapphire preferred? TU 741 equifax 737 fico 732?


Can I Use My Debit Card in Dominican?

I am going to the dominicna in 2 weeks and wonder if I can use my visa debit card there and how much would the charge be. Post helpful links please. Thanks


Does anyone know a loan shark in the north Atlanta area?

Hi, my name is Emily. I am in great need of a loan so that I can get a car. Once I have a car, i should have absolutely no problem getting a job. I have already put my application in 26 different places, several of the where very interested in me. I do not need to much money, anywhere from $1,000 to $2,500. i would prefer some where in the middle. However, anything you can loan me I will make it work. Also, I understand that I will be paying interest. Thank you for your time! Please email me at MnM.Carper at gmail dot com


What sites do you go on to check your credit report for FREE?

Most sites seems to offer some sort of dumb trial or offers, and will provide the free reports only if you give them your credit card number. What kind of crap is that?


Help,I need a $1500 loan to pay off payday loans.Anyone know a legite loan company?

It would have to be an unsecured loan for bad credit.Due to trying to get by” I have found myself stuck in the payday/cash advance rutt and I want out!Has anyone out there ever been stuck in the same position?Any suggestions would be appriciated!!!!!!!”


Can a person take out several payday loans from different sources at once?

Can this be done in order to make ends meet on a large debt?




















































I have a experian credit score of 732 is this any good?

I have a experian credit score of 732 is this any good?

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


RELATED:

Where is the best place to get a loan?

Where is the best place to get a loan when you have bad credit. Do not want a payday loan. Need to fix my big rig and do not have the money.


Am I qualified to get an Auto Loan from the Bank?

I make about almost 800 dollars working part time. My Wife recieves SSI and I need a car. She recieves about $856 each month. So we have a total balance of $1656. We live with my uncle so we don’t pay rent. I have 2 cell phone to pay which totals $90 dollars. Insurance on my other car is about $70. My credit score is okay I still owe like 200 on one card and 300 on the other. I saved up 2,000 dollars for a down payment. Will I qualify to get a 15,000 dollar loan?


Has Capital One suddenly raised your credit card interest rate?

Quwe, thanks for the website but my interest rate was never an interductory rate. It originally was one of those Prime Lock” cards they advertised a few years ago


How to escalate a fraud done by ICICI home loan?

Need name and number of the person to escalate a fraud done by ICICI home loan. now nobody in the bank is responding including customer care , relationship officer , service quality team . I have tried all the way to escalate it as mentioned on icici bank site . I am strugling with them since last two month .

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance

How can I get a mortgage as a temporary employee?

I am in a temp to hire job, where I have gotten enough training to know they really are keeping me. I have a down payment, I have good credit, I have an accepted offer on a house. Now I just need someone to give me a loan. Do you know of any types of places that will give me a loan while I am a temporary employee. The rules have all changed in the last few years, I am looking for a place that will still do that.


How to get loan from ttd trust?


How to pass the background checking for the job offer?


I have a experian credit score of 732 is this any good?

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


I have over 10,000$ in credit card debt, i havent paid in over 3 months, should i call a debt settlement conso?

consolidation company? or would i be better off calling each company individually and having them giving me a debt solidation without the use of a 3rd party


Chase credit card! HELP! late payment”?”

I have two credit I got with Washington Mutual which is now CHASE. I pay ALL my payments online and have NEVER been late. I got a notice last week that I had a late payment on one card. When I called about it, I was told that my payment was due September 6th. Their records show I went INTO my account on September 3rd, and PAID three days BEFORE payment was due but didn’t schedule the payment to go through until the 7th. This is 100% not true, I paid three days BEFORE payment was due. I would not go into my account days earlier and schedule the payment one day after it was due. When I asked chase about the OTHER credit card I paid on the same day (the 3rd). They said for that card I did the same thing, paid on the 3rd, but scheduled it for the 7th. (that payment wasn’t due until the end of the month). They are NOT saying it was just posted to my account a few days later, they are saying I paid for both cards on the 3rd but SCHEDULED them for the 7th. It makes ZERO sense to me. Looked at my bank account and I had MORE than enough money to cover both cards (which I already knew) and had no reason to schedule them late. What can I do? They won’t budge? I feel as though I am being targeted in some sort of scam. Why on EARTH would I go in and pay early and schedule the payment one day late? I have NEVER been late on a payment.


How can i get a free credit report?

what website would u recommend?


Pulled credit report double charged?

just pulled my credit report and about 2 years ago i was on the verge of bankruptcy but thankfully the economy turned just enough for me to try and take care of my debts. unfortunately, during this time i stop paying on the debts. they were taken to collection agents but i started to pay on them regularly and on time. But on my report i see there’s a negative mark for the Original creditor and a identical negative mark for the collection agent. So i ask is this a mistake and can i get it fixed? If not when i pay off the debt will it be taken care of on both accounts?


How to quickly reestablish credit after bankruptcy?

Filed chapter 7 bankruptcy and it was discharged in June of this year. What can I do and where do I look to start reestablishing my credit and with whom? How long does it usually take to get credit scores back up? Just checked credit from Trans union, Equifax and Experian and score was 543. Two days later went to purchase a used car for $17,000.00 and was trading in my car for which we had agreed on $3,500.00 and I was putting $1,000.00 down. which all come to a total of $4,500.00 as a down payment. Dealer ran my credit and told me couldn’t sale me the car I wanted because my score was 498, how could that be? He offered to sale me another me any other car as long as it was $11,000.00 and under. Figured since I was putting $4,500.00 down, in which I would then be financing $13,000.00 that it should’ve been ok. Is it just better to get someone to purchase a car for me and I be the co-signer, will that help increase my score as well?


When you finance a car are you required to have full coverage insurance?

say you buy a car for $30.000 and finace it.do you have to have collision and are you required to have insurance that if the car gets totaled beyond repair the insurance company will pay off the car loan.


What is an ideal credit score to take out a 15,000$ auto loan?


How do I purchase a house from my parents with no mortgage?

I am looking to purchase my childhood home from my parents. They have since moved to a new house within the same state (Oklahoma). Both homes are completely paid off, and have no liens against them. The house I am looking to purchase was bought by my mother for $116,000. They never did any repair work and basically let it fall apart on them. Despite this, after owning the home for 20 years, the house has increased in value to probably around $160,000 – $180,000 in its current condition. We have agreed that I can purchase the house from them for $120,000 and then use my own money to renovate. My parents are not in financial need for the money, so I could pay them over time if I wanted to. I could try getting a mortgage for the full amount; but then I would end up wasting a lot of money paying interest to the bank (assuming I could get approved). Here are my options as best I can tell. Should I just purchase the house directly from my parents, have the title transferred to my name; and pay them a monthly amount? Should I have them give me the house outright, then give” them money (under the annual limit) until “paid off”? Should I just try getting a mortgage and treat it as a normal house purchase? Should I “buy” the house for $10.00


I have a experian credit score of 732 is this any good?

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


Is Lending Tree a good place to find an auto loan? I have really bad credit but have a cosigner.?

I am debating on whether to just go to a bank, maybe locally, or go through Lending Tree or possibly Capital One Auto Finance. I have really bad credit but have a cosigner with good credit.


How do I get address for payday loan companies?


Can you explain my credit score?

I recieved a credit score when I applied for my mortage but I don’t understand it. There are three numbers Equifax Beacon 5.0 – 788 Experian Fico II – 802 TransUnion FICO Classic – 780. What do these mean?


Is 19.5 % a high interest rate for a credit card?


Can you lose your home while in chapter 13 bankruptcy?


Personal Loans Lenders for Poor Credit?

Personal Loans for Poor Credit Score I am looking for a legitimate loan lender where I can secure a $5000 loan with a 540 credit score


If you’ve never had a credit card and someone does a credit check on you, what will come up? ?

I’m 20. I live on my own and my landlord didn’t ask for a credit check or anything, I got lucky. But now I am looking for a different apartment. I think I found one I like but they require a credit check. I have never had a credit card, only a bank card. What will happen when they check my credit?


Keeping the current mortgage on inherited house?

loanmast – That was at least part of what I needed to know and why I stressed we are moving into the home. I did want to add that the mortgage is currently paid to date BUT there was no will…my wife is simply the only surviving heir. We’re in the middle of the probate process but our atty says there shouldn’t be any problems with us moving in and taking possession. He hasn’t been as clear in regards to the financing of the current mortgage.

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


A Payday loan that does lending in NC?

Need extra cash for Christmas …don’t need advice of why I don’t need to do it ….just a lending company in NC….why answer if you are not going to be helpful….


Is it hard to get approved for a Capital One auto loan? I’m asking because my credit isn’t all that great.


Will I qualify for a home loan at 19?

I am 19 years old turning 20 in a month. Anyways I would like to know if i am eligible for a home loan. I have little credit right now, but I have a decent job. I make about $2800- $3200 a month Net pay and already have about 15k in savings. I have been working there about 9 months already. Anyways once I have a year working in 3 month there and $20k will that qualify me for a home loan. (150k -200k home loan). I got a full time job when i was 18 Lasted there for about 5 months and then got hired where i am currently working. That’s about all my work history. I know I am young but I am responsible and I want to have my own place. No I do not want to rent I currently live with my parents I just would like to know if there is a chance for me qualifying for a home loan. Thanks


What is going to happen with my gmac loan if gm goes bankrupt?

what is going to happen if gm files bankruptcy, what happens to my gmac auto loan?



BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance

Is FreeCreditReport.com worth $12 a month? Is there a better alternative?


I have a experian credit score of 732 is this any good?


Is 630 a good or bad credit score?


Find out my credit score?

I know I can get a free credit report as required by law at annualcreditreport.com, the only problem with this is that it does NOT include your credit score” Is there any way for me to find this out without paying money?”

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


My credit score is a 550 i filed bankruptcy in 2006?

5 things on my credit report that should of been included in my bankruptcy werent..i called and they all said they will update with credit bureau…i even mailed all documents to all 3 bueaus to open disputes…how many points will my score go up once this is fixed? Im trying to buy a house and need this fixed ASAP


If mortgage is not in my name, can bank come after me?

UPDATE: Probate was most certainly settled properly. Under Federal law, a child who inherits a house DOES NOT have to refinance the house. They can simply continue making payments. I had a very good estate lawyer, and this was never in question. Probate is absolutely closed, and the house has been dealt with 100% in terms of the probate process. For all you people who say otherwise, please get a law degree or do some more research.


Reaffirmation of mortgage in Chapter 7 bankruptcy?

If the house goes into foreclosure, and the bank did not reaffirm the debt, what are you responsible for?


Home loan margin money query?

Can i get tax rebate on margin money(5 lakh) of home loan of rs 20lakh?


Instant loan required?

i need to find a very quick loan to fund a buisness trip of £3000 but all the normal lenders wont help any ideas


Has anyone ever tried a bad credit loan through the UK or?

any of the people that respond to other people saying they help with bad credit loans? I am trying to find a legitamate lender. I need a $2000-$3000.I have terrible credit but a good income.I do not want to get caught up in a payday loan.


How can I get a FREE CREDIT SCORE WITHOUT HAVING A CREDIT CARD OR SIGNING UP FOR A FREE TRIAL???


PayPal Credit Cash Advance?


If my credit score is below average, what should be my interest on a car loan?

I’m currently paying 12.75% on an auto loan, I imagine because of my credit score. Sadly, I pay ALL my bills and all credit cards on time and have been for many years. Nothing is in collection except a couple medical balances that are very small. Apparently, the other thing against me is having too many revolving accounts. (even tho they always get paid off) My husband and I even pay off larger balances on cards when we get our taxes. This is how we avoid drowning in credit! Some ppl pay their balances off each month. We do it once a year. How do I get a better interest rate considering I do take paying my bills very seriously… Signed, Sick to death of being responsible only to get shafted by credit scores

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


When is the best time to refinance a car loan?

I recently purchased a new car in November and the dealer told me that I can come back in year when my credit excels a bit to refinance with them. Is this true and do I have the option to refinance with another lender?


I have a experian credit score of 732 is this any good?


Can I use free cam chat rooms without a credit card?


Are there any other companies out there like PROSPER.COM?

I want to get a loan, but my credit stinks, and i heard these companies are good but im trying to compare.Im trying to build my company, and i need to borrow only like $5,000.


I got rejected for a credit card, help?

Hi, this is my first time applying for a credit card, I decided to get a student one from my bank but I was rejected. 🙁 Is there a reason why I was rejected, because this card was specifically for students who want to build credit history. I don’t want to use it to buy things, I just want to get it to use it occasionally to build credit, and pay everything back in full. Should I apply to another card (Macy’s) or should I apply later?


What’s a apr rate with a credit score of 704?

i’m wanting to get a new 08 mustang but i have a thin line credit” (i think i means i don’t have enough major bills that build my credit) but my score is good they say. what should my APR be?”


Credit card payoffs – highest interest rate or lowest balance first?

I have 4 credit cards and a loan that I owe $20K. I recently read that I should pay off the lowest balance first, but my husband thinks I should pay off the highest rate first. Any suggestions?




















































$50,000 mortgage w/ 10% down, 732 credit score?

$50,000 mortgage w/ 10% down, 732 credit score?

I’m aiming to get house for $40,000. Borrowing additional $10,000 for sewer hook up (high est. around $5,000) and closing costs. My father and my uncle are willing to co-sign the mortgage. Both of their credit is impeccable and their income is solid. However, I’ve heard that preapproved mortgages don’t take into account co-signers. About me: I can roof, sheetrock, insulate, tape, floor, tile, install siding and install plumbing fixtures myself. My father does electrical. I’ve never carried a balance on my credit card (no debt). I have no auto loan, I have the title to my jeep. It’s mine. I pay about $50/week in gas and $100/month in car insurance. Other expenses total to about $ What’s going to kill me is: I’m 22 year old. I make $12/hour @ 35hrs/week I’m a part-time student with a $7,500 deferred student loan. About the property: 0.35 acre lot, 980 sq.ft, single floor, 1 bedroom, 1 bath, well-water, septic (with approved assessment for sewer hook up right in front), oil and wood heated lake house. The house is a foreclosure and I’m waiting to hear back from my agent as to whether the previous owners owed back-taxes. Otherwise, there are no leans on the property. It’s the shittiest house in the neighborhood, but renovated, could easily sell for $150,000 in a decent market. Both chimneys need to be torn down; one of which is condemned. Fortunately, I work for my uncle who is a mason and who has volunteered to do this and rebuild a singlular up-to-code stack pro bono. Needs to be completely re-drywalled. The bathroom also needs to be re-done. With some simple framing using the existing bedroom, and an over-the-top walk in closet, I can make this a 2 bedroom and rent out the spare room. Of course all of these improvements would be week-end projects. The house itself is otherwise habitable. So, what’s my preapproval going to look like? Do I even have a chance?

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


RELATED:

Can i get the Citi® mtvU™ Platinum Select® Visa® Card for College Students?

I am a college student. I just turned 18, so i was wondering if i can apply for this card and be approved…I have a job, but not so sure i have any credit history, can i get this card?


Is there really a such thing as loan sharks and if so where are they?

email me with serious sharks please at ejb3482@yahoo.com


Online short term loans?

Are there any reputable short term loans available online I dont want a payday loan or another scam


Can’t Get Approved for an FHA loan…….. What are my options?

We have paid all the accounts that were due and late. All of them. Even the accounts that were charge off’s . All he has its a college loan and 2 credit cards with practically no balance. They are paid on time for a while now. There is nothing left to pay from the old accounts. However they are still considered derogatory items. Most of them will come off his credit report within the next 4 months. Would that make a difference in his score? I think the damage its done :(( It wasn’t even him who used them. He had members of his family as secondary cardholders. They used the cards and never paid. :(( we had to pay about $10,000 in bills that weren’t even ours. He young at the time they were open and didn’t know much about the importance of credit. Desperate…..

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance

Has anyone ever had to use a GAP contract to pay off an auto loan after an accident? How much trouble was it?

My car was totaled in a car accident and it looks like my insurace settlement is going to be about $3500 short of paying off my loan. I purchased GAP insurance when I purchased the vehicle but I’ve never had to deal with something like this before and I wonder if they make you jump through alot of hoops before paying out. Specifically if you had to use a Daimler Chrysler Gap contract.


Credit Card for 18 year old?

Hi, i am an 18 year old senior in high school. I would like to start building my credit by applying a secured credit card at the bank. I have saved up to $1200 right now from my under the table job. Do you think the bank would ask me what job i have?. what should i do?


Can you overspend on a Debit Card?

Haha! I’ve just read the Natwest documentation and they only issue a penalty fee IF you overspend more than £6.


$50,000 mortgage w/ 10% down, 732 credit score?

I’m aiming to get house for $40,000. Borrowing additional $10,000 for sewer hook up (high est. around $5,000) and closing costs. My father and my uncle are willing to co-sign the mortgage. Both of their credit is impeccable and their income is solid. However, I’ve heard that preapproved mortgages don’t take into account co-signers. About me: I can roof, sheetrock, insulate, tape, floor, tile, install siding and install plumbing fixtures myself. My father does electrical. I’ve never carried a balance on my credit card (no debt). I have no auto loan, I have the title to my jeep. It’s mine. I pay about $50/week in gas and $100/month in car insurance. Other expenses total to about $ What’s going to kill me is: I’m 22 year old. I make $12/hour @ 35hrs/week I’m a part-time student with a $7,500 deferred student loan. About the property: 0.35 acre lot, 980 sq.ft, single floor, 1 bedroom, 1 bath, well-water, septic (with approved assessment for sewer hook up right in front), oil and wood heated lake house. The house is a foreclosure and I’m waiting to hear back from my agent as to whether the previous owners owed back-taxes. Otherwise, there are no leans on the property. It’s the shittiest house in the neighborhood, but renovated, could easily sell for $150,000 in a decent market. Both chimneys need to be torn down; one of which is condemned. Fortunately, I work for my uncle who is a mason and who has volunteered to do this and rebuild a singlular up-to-code stack pro bono. Needs to be completely re-drywalled. The bathroom also needs to be re-done. With some simple framing using the existing bedroom, and an over-the-top walk in closet, I can make this a 2 bedroom and rent out the spare room. Of course all of these improvements would be week-end projects. The house itself is otherwise habitable. So, what’s my preapproval going to look like? Do I even have a chance?

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


Can i take someone with me when filing bankruptcy?

I know that it is strict when entering the federal building. Can I go inside there with my fiance if he is filing for bankruptcy. Cause they asking why are you there.. Can I go with him or only him because he is the only one who has business to take care of there. Thanks


Filing for bankruptcy without spouse?

I was wondering what filing for bankruptcy looks like if one is filing without a spouse. In this case, the filing spouse has massive credit card debt and medical debts, but does not own any vehicles or property. In regards to the means test, do both incomes get considered? And how are household expenses split up between the spouses? There are also 2 children in the household. I know each scenario varies, but an overview would be appreciated.


Why can’t credit card companies verify my identity?

We filled out the credit card application completely – including a social security number, current address, and phone number. The only thing I can think of is that we only have cell phones, and his father is still paying for his cell phone (it’s a family plan). Would this be a reason why? But again, when I got my first credit card at 18 I didn’t have a home number, either….


How do I find out what my credit score is?

I keep seeing these ads on websites to check my score but I’m afraid it’s a scam or spamming tactic. Is there a right way to check your credit score? Are those ads legit? Are they really free?


Freecreditreport.com commercials?

Anyone know the name of the guy in the freecreditreport.com commercials that sings the songs? Thanks. 🙂


I have an upside down auto loan, I want to refinance and put about 3000 dollars down how do I do it?

The credit unions wont work with me because I am still about 2000 upside down even with my 3000 down payment. Do I have any options besides ripping my hair out of my head?


Is it possible to get a payday loan on saturdays?

I live in the united states and I was wondering if anyone knew of any payday loan company that will give a loan on Saturdays?


Auto loan for someone under 18?


$50,000 mortgage w/ 10% down, 732 credit score?

I’m aiming to get house for $40,000. Borrowing additional $10,000 for sewer hook up (high est. around $5,000) and closing costs. My father and my uncle are willing to co-sign the mortgage. Both of their credit is impeccable and their income is solid. However, I’ve heard that preapproved mortgages don’t take into account co-signers. About me: I can roof, sheetrock, insulate, tape, floor, tile, install siding and install plumbing fixtures myself. My father does electrical. I’ve never carried a balance on my credit card (no debt). I have no auto loan, I have the title to my jeep. It’s mine. I pay about $50/week in gas and $100/month in car insurance. Other expenses total to about $ What’s going to kill me is: I’m 22 year old. I make $12/hour @ 35hrs/week I’m a part-time student with a $7,500 deferred student loan. About the property: 0.35 acre lot, 980 sq.ft, single floor, 1 bedroom, 1 bath, well-water, septic (with approved assessment for sewer hook up right in front), oil and wood heated lake house. The house is a foreclosure and I’m waiting to hear back from my agent as to whether the previous owners owed back-taxes. Otherwise, there are no leans on the property. It’s the shittiest house in the neighborhood, but renovated, could easily sell for $150,000 in a decent market. Both chimneys need to be torn down; one of which is condemned. Fortunately, I work for my uncle who is a mason and who has volunteered to do this and rebuild a singlular up-to-code stack pro bono. Needs to be completely re-drywalled. The bathroom also needs to be re-done. With some simple framing using the existing bedroom, and an over-the-top walk in closet, I can make this a 2 bedroom and rent out the spare room. Of course all of these improvements would be week-end projects. The house itself is otherwise habitable. So, what’s my preapproval going to look like? Do I even have a chance?

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


What’s the best use of my money: to pay off a mortgage sooner or to invest in the money in the stock market?

Hi, guys im 21 and I just bought $ 80,000 small house four moths ago, and I would like to know what is better to pay extra payments to pay off the mortgage ASAP, or to pay the regular payments and the rest to invest it in the stock market or any other investment. The reason is that after 30 years im going to end up paying more than 288000, but if I paid sooner ill save hundreds thousands. In the other hand if the rest of the money I invested I can get a higher % gain, but is not secure. What do you guys believe is the best use that I can give to my money? Please give me your opinions, and ideas. Thank You.


How to borrow $2000 in the next couple of days?

I am in SERIOUS financial trouble. I moved to a new city and have been out of work for 3 months. Fortunately, i start a great new job tomorrow. bad news is i am BROKE! rent is past due. i wont make it to payday before i get paid. i have a new wife that has no idea or situation. i dont want her to know. so payday loans are out. bad credit and a new job did me in. anyone else have a suggestion on how i can get money this week? otherwise I am homeless. edit- prosper.com is not available in my state


Where can i get a private party auto loan with good reviews?

I am trying to find a private party auto loan for only 5500. I cannot use chase or capitol one or any other major ones because they require the loan amount to be at least 7500. Thank you.


Can i file bankruptcy and still open a business?

I have a villa which is going through foreclosure (since Chase Bank wont approve my deed in lieu – but that’s another story)…I’m also trying to open a Professional Organizer business which normally doesn’t require too much money to open. Anyway, I heard that filing for bankrupcy is a good idea when going thru a foreclosure but I was wondering….Can I still open the business? I was going to apply for a government grant instead of a loan. And I already have two bank accounts which one I can use for the business.. Serious comments are accepted..please help. I dont know what I should do.


How does a car accident effect my bankruptcy? How does my money i get from insurance effect my bankruptcy ?

I was wondering how the monies are distributed to me in bankruptcy ?


Question about payday loans?

And this is for an emergency!!!!!! Ppl dnt get smart PLZ!


Should I take out a loan to pay down my debt to increase my credit score?

Would it be a smart idea to put my current debt into a lump sum loan? I have appx $12000 in debt at the moment, I had racked up some credit cards during a financial hardship while working a lower paying job while searching for a new permanent position. Now that I have that new higher paying job I was wondering if it would be in my best interest to take out a personal loan to help with these debts and pay those all off with that loan so I can improve my credit score. My credit score went down about 70 or so points during this period of time and I want to get it back on track. I could only afford to make minimum payments on my accounts which I don’t do when I’m making my normal wage. I want to get my credit back where it was… what are your opinions?


Anyone else have difficulty getting their Annual Credit Report?

For the past several years, I have encountered difficulty getting the free annual credit report from the credit bureaus. For security purposes”

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


4.9% interest rate on a 2008 car: good or bad?

Just wondering is 4.9 a good interest rate to get on a new car!!!


Do you agree or disagree that some types of financial services organizations prey on the naive and uneducated?


A man took out a $44,000 construction loan to remodel a house. the loan rate is 8.6% interest per yr. to be?

rerpaid in six months. how much is paid back?


Where can I get a reasonable interest rate auto loan with bad credit? I’ve been quoted 18.99%?

I’ve been quoted 18.99% on with a 630 credit rating. Is this something I should expect and suck it up and deal with it?



BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance

I am looking for info about repairing credit?

Is there any books or websites out there that will help me figure out how to repair my credit? I don’t have CC’s I am paying all my bills on time.. I have stuff on there from when I was younger that I would like to get taken care off and raise my credit score.. Any help would be awesome


$50,000 mortgage w/ 10% down, 732 credit score?

I’m aiming to get house for $40,000. Borrowing additional $10,000 for sewer hook up (high est. around $5,000) and closing costs. My father and my uncle are willing to co-sign the mortgage. Both of their credit is impeccable and their income is solid. However, I’ve heard that preapproved mortgages don’t take into account co-signers. About me: I can roof, sheetrock, insulate, tape, floor, tile, install siding and install plumbing fixtures myself. My father does electrical. I’ve never carried a balance on my credit card (no debt). I have no auto loan, I have the title to my jeep. It’s mine. I pay about $50/week in gas and $100/month in car insurance. Other expenses total to about $ What’s going to kill me is: I’m 22 year old. I make $12/hour @ 35hrs/week I’m a part-time student with a $7,500 deferred student loan. About the property: 0.35 acre lot, 980 sq.ft, single floor, 1 bedroom, 1 bath, well-water, septic (with approved assessment for sewer hook up right in front), oil and wood heated lake house. The house is a foreclosure and I’m waiting to hear back from my agent as to whether the previous owners owed back-taxes. Otherwise, there are no leans on the property. It’s the shittiest house in the neighborhood, but renovated, could easily sell for $150,000 in a decent market. Both chimneys need to be torn down; one of which is condemned. Fortunately, I work for my uncle who is a mason and who has volunteered to do this and rebuild a singlular up-to-code stack pro bono. Needs to be completely re-drywalled. The bathroom also needs to be re-done. With some simple framing using the existing bedroom, and an over-the-top walk in closet, I can make this a 2 bedroom and rent out the spare room. Of course all of these improvements would be week-end projects. The house itself is otherwise habitable. So, what’s my preapproval going to look like? Do I even have a chance?


I need advice on buying my first car?

I’m going to be buying my first car soon. Being that I’m young, it’s going to be a used car. Now I know I need to look for the CarFax report, have someone check everything for me beyond an on-site mechanic and blah, blah, blah. What my question is… how much money do I need to put down on a vehicle to drive off the lot with it? The one I’m looking at is a used ’05 Scion tC. Listed on their website at 8450, but listed on craigslist with 1k off. My credit is still being worked on (I don’t think I have enough of a history to be determined as having either bad or good credit as of now)… and I don’t even own a credit card (though I do have a bank account). Anyone who could help me out, even give me some advice I hadn’t asked about would help SO much! thanks!


Do I have any shot at an auto loan?

I have a 702 credit score, but I only work part-time with less than $800 a month. I’m currently living with family so I don’t have rent (just bills that I pay like electric, internet, ect.). I only have about $1200 for a down payment – I wanted to save more, but my old car just died on me so I’m having to do it now. I’m looking at used cars in the 7K-9K price range.

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


Im so confused about auto loans!! Help pleaseee?

Okay so In January 2012 my husband and i got a 14000 loan on a car because at the time that was the most we could afford we wanted a 06 GTO but had to settle with a 06 monte carlo…it is now July and since my husband has been over seas we have money to spare to get a GTO instead! We owe 11,000 on our other car still and im curious as to what laws about loans will allow us to do Ive come up with 3 options and would like to know what ones i can/cant do and what would be the best choice….. Choice one: Sell our current car and pay back the loan to the bank then turn around and put a big down payment on a GTO (10,000) and then get the rest of the cars cost put on a loan again (roughly 7000) Choice two: find a dealership with a GTO and trade in our current car and pay how ever much more the new car is compared to what we have left on our loan (example: our car trade value is 12000 and the new car is 17000….pay the dealership 5000 and then continue our regular loan bills monthly with our bank) Choice 3: pay back the 11,000 dollars back that we have left on our current loan then sell our car and get a small loan from the bank (5000) for the remainder of what is left to pay for the GTO


Please help with this algebra assignment XD?

1. Brandon has a 15-year fixed rate mortgage for $175,500 with monthly payments of $1,480.97. The annual interest rate is 6%. What is the total cost of the principal and interest for this loan rounded to the nearest dollar? (1 point) $157,950 $266,575 $186,030 $444,291 2. Sonora has a 4.6% fixed rate 15-year mortgage in the amount of $375,000. The total cost of principal and interest is about $519,827. Which of the following is closest to Sonora’s monthly payment? (1 point) $2,083 $3,466 $2,500 $2,888 3. Ringo obtains a 15-year 5.4% fixed rate mortgage for $505,500. The monthly payments are about $4,104. What is the total amount of interest for Ringo’s mortgage? (1 point) $233,220 $39,891 $27,297 $532,797 4. Barney has a 15-year adjustable rate mortgage that has a rate of 2.3% for the first 5 years. The amount of the mortgage is $339,000. What is the monthly payment during this initial period? (1 point) $1,486.89 $2,228.64 $1,883.33 $1,926.65 5. A bank advertises an adjustable rate mortgage with the following terms: 15 year 6/1 ARM at 5% with a 2/6 cap structure What are the maximum interest rates for the 7th year and for the life of the mortgage? (1 point) 7th year: 6%; Lifetime: 6% 7th year: 6%; Lifetime: 11% 7th year: 7%; Lifetime: 11% 7th year: 7%; Lifetime: 6% 6. Mandy has a 30-year adjustable rate mortgage with a rate of 4.8% for the first 2 years. The monthly payment is $813.23. The amount of the mortgage is $155,000. What is the remaining balance after 2 years rounded to the nearest dollar? (1 point) $150,143 $135,482 $144,667 $141,926 7. A $600,000 balloon mortgage has terms of 15/6 with a 3% interest rate. What is the monthly payment rounded to the nearest dollar? (1 point) $2,845 $4,143 $3,333 $3,433 8. Elizabeth obtains a $1,750,000 balloon mortgage for an investment property. The mortgage has terms of 25/6 at an interest rate of 2.5%. The monthly payment is $7,850.79. How much is the remaining balance after 6 years rounded to the nearest dollar? (1 point) $1,423,723 $1,184,743 $1,313,346 $1,330,000 9. A store owner used a balloon mortgage to purchase an investment property. The terms are shown: Balloon Mortgage $700,000 15/3 balloon 2.7% annual rate Monthly Payment: $4,733.71 Balloon Payment: $583,001.28 What is the total cost of this balloon mortgage rounded to the nearest dollar? (1 point) $753,415 $583,001 $852,068 $587,735 10. A bank offers three mortgages shown. Which mortgage(s) will have fixed payments for at least the first 4 years? Fixed rate mortgage at 5% for 25 years Adjustable rate mortgage at 3% for 30 years with terms 3/1 and a cap of 3/7 Balloon mortgage at 4% with terms 25/5 (1 point) Fixed rate only Fixed rate and balloon only Fixed rate and adjustable rate only Fixed rate, adjustable rate, and balloon 11. A $225,000 adjustable rate mortgage is expected to have the following payments: Year Interest Rate Monthly Payment 1-5 4% $1,074.18 6-15 6% $1,311.20 16-25 8% $1,484.91 26-30 10% $1,555.99 What is the total cost of the mortgage rounded to the nearest dollar? (1 point) $240,750 $493,343 $41,112 $225,000 12. A bank charges 3.1 discount points on a loan of $417,800. What is the cost of the points? (1 point) $8,356.00 $129,518.00 $12,951.80 $4,178.00 13. Josephine has purchased her first home. Her choice of loans is shown. Loan A Loan B $200,000 25 year-fixed 2 discount point M = $1,350.41 $200,000 25 year-fixed 0 discount point M = $1,413.56 What is the difference between the total cost of principal, interest, and points for each loan? (1 point) $18,945.00 $14,945.00 $4,000 $63.15 14. The bank offers Manfred a fixed rate loan with no points and a fixed rate loan with points. The difference in monthly payments between the loan with points and the loan without points is $38.42. The cost of the points is $2,300. What number is closest to the break-even point rounded to the nearest month? (1 point) 60 months 5 months 65 months 23 months 15. The seller of a property has paid $5,100 in property taxes for the year in advance. The closing date of the sale is December 20 and the buyer owns the home on the closing day. How much does the buyer owe the seller in prorated property taxes? Assume the year has 365 days. (1 point) $139.73 $5,100.00 $13.97 $153.70 16. A house sold for $500,000. The mortgage on the house is $350,000. The documentary stamp tax on the deed is $0.80 per $100 or portion thereof. How much is the documentary stamp tax on the deed? (1 point) $2,800 $280 $4,000 $400 17. A bank charges 2.25 of a point for the origination fee on a mortgage of $300,000. What is the origination fee? (1 point) $675 $6,750 $225 $2,250


Which credit bureau is the most popular to use by home loan lenders?

I know the three…Experian, Equifax and TransUnion, but rather then checking all three I was advised that essentially loan/mortgage officers typically use only one to check eligibility for a home loan. What is the most popular credit bureau used? I am in the process of looking for a home, and want to make sure I know which score will be pulled considering all three have different scores. Thanks!!!


What do you need to rent an apartment at the age of 19?

i’m 18 n my boyfriend is 19, we’re trying to move out on our own. n we want to know what we need in order to take that step.


Can you file for bankrupty while being threated by a lawyer with court action?

I have just recieved a letter from a laywer stating if i don’t pay the balance of a old accout he will take me to court. well i ‘m not working right now and have offered to pay ten dallars a month until i find work. can i declare to keep him from sueing


Auto loan using husbands income?

My husband is in the military and im an undergrad student and i was wondering if i can use his income for a auto loan. His credit is not very good and mine is alot better. Will a dealership need him to be on the loan or will they allow me to get a loan without him. Can it be considered household income? What are my options?


Mortgage question. My husband and I want to build on parents land. Can we get a mortgage to build?

My husband and I want to build on my parents land. Can we get a mortgage to build without owning the property? My parents want to keep the land in their name. Would we be able to do that? Would the bank give us a loan to build on my parents property?


How can i tell which free credit score report websites are scams or not?

i am trying to find a 100% free credit report website. is there any?


How can I get out of the payday loan cycle?

I probably have 6 payday loans open. Everytime I get paid I lose a ton of money to fees and interest charges. Can you consolidate these? Should I close my bank account? Can I send the companies letters asking them to stop calling me at work? I just don’t know what to do. I got myself into a pickle. Any advice from someone with experience would be amazing.

BEST ANSWER: Try this site where you can find the best solutions for your finance situations :Personal Finance


I live in Texas in 2013 all my charge off will be remove from my Credit report.?

Does this mean I no longer have bad credit and it starts fresh. Is Bad and no credit almost the same. Any suggestions on how I can start rebuilding my credit.?


$50,000 mortgage w/ 10% down, 732 credit score?

I’m aiming to get house for $40,000. Borrowing additional $10,000 for sewer hook up (high est. around $5,000) and closing costs. My father and my uncle are willing to co-sign the mortgage. Both of their credit is impeccable and their income is solid. However, I’ve heard that preapproved mortgages don’t take into account co-signers. About me: I can roof, sheetrock, insulate, tape, floor, tile, install siding and install plumbing fixtures myself. My father does electrical. I’ve never carried a balance on my credit card (no debt). I have no auto loan, I have the title to my jeep. It’s mine. I pay about $50/week in gas and $100/month in car insurance. Other expenses total to about $ What’s going to kill me is: I’m 22 year old. I make $12/hour @ 35hrs/week I’m a part-time student with a $7,500 deferred student loan. About the property: 0.35 acre lot, 980 sq.ft, single floor, 1 bedroom, 1 bath, well-water, septic (with approved assessment for sewer hook up right in front), oil and wood heated lake house. The house is a foreclosure and I’m waiting to hear back from my agent as to whether the previous owners owed back-taxes. Otherwise, there are no leans on the property. It’s the shittiest house in the neighborhood, but renovated, could easily sell for $150,000 in a decent market. Both chimneys need to be torn down; one of which is condemned. Fortunately, I work for my uncle who is a mason and who has volunteered to do this and rebuild a singlular up-to-code stack pro bono. Needs to be completely re-drywalled. The bathroom also needs to be re-done. With some simple framing using the existing bedroom, and an over-the-top walk in closet, I can make this a 2 bedroom and rent out the spare room. Of course all of these improvements would be week-end projects. The house itself is otherwise habitable. So, what’s my preapproval going to look like? Do I even have a chance?


Can you trade mortgaged properties in Monopoly?

And how would it work exactly?


What are real payday loans that doesn’t have credit checks or no employment verification?


H&R Block Christmas loans?

I’ve heard a little about H&R Block giving you a loan for Christmas. My question is, do they base the loan on your future 2013 tax return, or is it based on your credit?


Have you filed chapter 7 bankruptcy since 2005?

Your input is greatly appreciated. I have never been through anything like this and it is a bit overwhelming. We have had medical situations, loss of income and the bad economHave you filed chapter 7 bankruptcy since 2005?y hit the value of our home. Even though I have spoken with a bankruptcy lawyer, I am not sure they are total legal guidance for rebuilding or strategic planning. So, I would really value your personal experiences. Please, share the year and state that your chapter 7 bankruptcy was made and if you have any knowledge in the areas of question below (A) I am hoping to keep some accounts open now in order to rebuild our credit for later. I understand that laws have changed and bankruptcy is reported to all creditors that will most likely close our accounts when this occurs. Has anyone found this to be true? (B) I was told that it is 71 or 90 days for any amount of 750 to a single creditor before filing and that doesn’t mean I have to keep paying the creditor bill within the 71 or 90 days ( it is just the filing wait time after such amount ). I should be ok because it would take at least 6 months for the creditors to seek judgment. Has anyone knowledge of the wait time filing vs paying the creditor? I want to make sure I understand correctly and do not abuse any legal privilege. (C) Does anyone have experience with H.H.Gregg,Khols & Toys R Us store credit? I have $4500.00 of stuff with H.H