My husband has terrible credit, how can he get a credit card?

My husband has terrible credit, how can he get a credit card?

My husband’s credit score is in the low 500s due to some really bad choices in his early 20s followed by several years of denial. Since we got married he’s been doing very well with paying down his debt and paying his bills on time, but his score is still poor. I want him to get a credit card to help rebuild his credit but I worry that he won’t be approved for any card. He’s never had one before. Anyone have any advice on if he could get approved for one, or which cards he would have the best chance of getting approved for? I have excellent credit but I don’t know if that makes any difference.

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


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Can anyone help me with a GMAC Auto Loan? I had a truck fianced thru this crap company, Unfortunately truck?

was stolen. My insurance paid a portion of the balance and my gap insurance paid the remaining balance. However since i had two deferred payments on my loan total $2207. Neither would pay this for me, it was my duty to pay for, which i understood. After calling GMAC to make sure they had received both checks from my insurance and GAP and was credited to my account and leaving me with the balance of $2207 the rep from GMAC told that since i had ZERO % intrest that i had alot of time to pay the balance till the end of my contract date 2011. So i figure ok thats great i can make small payments here and there. Well in between this time Ive been in and out of the hospital and having surgery and having iron infusions and not working. Bottom line i havent made any small payments because i thought i had plenty of time. Well i find out they forward my account to collections and now shows off as a charge off. I paid very good through the whole time was late 2 times but always caught it up. I have called and called explained the mix up and no one will work with me. Managers nor supervisors. although it is my responsibility to pay they did misinform me and i trusted them. How do i get this fix. I will pay the balance but want them to change the status on my credit. Does anyone know a compliant number or a higher management name?


Finding a mortgage lender after bankruptcy.?

I am a single mom that rents a VERY small house from my parents. I would like to purchase a house in the area that we are currently living in. I filed bankruptcy in October 2010 and am working on improving my credit score. The last time that I checked it was a little under 600. I am looking for a lender that would not require a lot down or maybe has some down payment assistance programs. Any ideas?

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

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What happens after my credit card has expired?

someone please give me some info. based on not getting a new card from the company, after the card expires, will the online enrollment account close too?


My husband has terrible credit, how can he get a credit card?

My husband’s credit score is in the low 500s due to some really bad choices in his early 20s followed by several years of denial. Since we got married he’s been doing very well with paying down his debt and paying his bills on time, but his score is still poor. I want him to get a credit card to help rebuild his credit but I worry that he won’t be approved for any card. He’s never had one before. Anyone have any advice on if he could get approved for one, or which cards he would have the best chance of getting approved for? I have excellent credit but I don’t know if that makes any difference.

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


How do I get approved for an auto loan through Infiniti Financial Services?

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When does hr block start their emerald advance line of credit this year?

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My husband has terrible credit, how can he get a credit card?

My husband’s credit score is in the low 500s due to some really bad choices in his early 20s followed by several years of denial. Since we got married he’s been doing very well with paying down his debt and paying his bills on time, but his score is still poor. I want him to get a credit card to help rebuild his credit but I worry that he won’t be approved for any card. He’s never had one before. Anyone have any advice on if he could get approved for one, or which cards he would have the best chance of getting approved for? I have excellent credit but I don’t know if that makes any difference.

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


Are there any loan forgiveness programs for criminal justice students?

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Got a payday loan from Cash Advance America. now I got a threatning call. what can I do?

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


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

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My husband has terrible credit, how can he get a credit card?

My husband’s credit score is in the low 500s due to some really bad choices in his early 20s followed by several years of denial. Since we got married he’s been doing very well with paying down his debt and paying his bills on time, but his score is still poor. I want him to get a credit card to help rebuild his credit but I worry that he won’t be approved for any card. He’s never had one before. Anyone have any advice on if he could get approved for one, or which cards he would have the best chance of getting approved for? I have excellent credit but I don’t know if that makes any difference.


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


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


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My husband has terrible credit, how can he get a credit card?

My husband’s credit score is in the low 500s due to some really bad choices in his early 20s followed by several years of denial. Since we got married he’s been doing very well with paying down his debt and paying his bills on time, but his score is still poor. I want him to get a credit card to help rebuild his credit but I worry that he won’t be approved for any card. He’s never had one before. Anyone have any advice on if he could get approved for one, or which cards he would have the best chance of getting approved for? I have excellent credit but I don’t know if that makes any difference.


I need a 1500.00 loan and the only bank account I have is a prepaid account through PayPower.?

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I am filing for bankruptcy?

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Can disabled people get a real credit card?

Can disabled people get a real credit card?

EDIT @ Judith – thanks for explaining. I’m sorry to hear that you, like so many of us, were victimized by the banks. Or maybe you will say it was all your fault, but I don’t think so. They KNOW most people do not have the knowledge or discipline necessary to use credit responsibly, and they also KNOW that most people will only blame themselves, and rather than declare bankruptcy like any business would, they will instead slave away for many years to pay their responsibilities”. What bothers me is that they’ve made it necessary to have and use credit regularly to have a good credit score

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


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VEGAS TRIP!!! Any tips for a strapped for cash college student?

I want to take the girlfriend for a nice trip to the strip. Maybe in mid September at the earliest, but I havent started making any concrete plans. Where is a nice place to go that won’t break my bankroll? Are there any hot deals that I would be interested in? What are some sweet attractions to check out? Thanks for the help!

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

Yourpaydayloanhelp.com says that they can help you settle your payday loans?

are they for real


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Should I just make the exact same order but with the correct card type? So the store can just cancel the order with the wrong credit card information?


Can disabled people get a real credit card?

EDIT @ Judith – thanks for explaining. I’m sorry to hear that you, like so many of us, were victimized by the banks. Or maybe you will say it was all your fault, but I don’t think so. They KNOW most people do not have the knowledge or discipline necessary to use credit responsibly, and they also KNOW that most people will only blame themselves, and rather than declare bankruptcy like any business would, they will instead slave away for many years to pay their responsibilities”. What bothers me is that they’ve made it necessary to have and use credit regularly to have a good credit score

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


What happens if I don’t pay my store credit cards?

I have two store credit cards (like american eagle and such) they both only have like $300 tops charged to them, but I just don’t have the money to make payments on them : / I get like ten calls a day from bill collectors (of coarse i don’t answer lol) but I’m wondering what exactly will happen if they don’t get paid??


I’m poor and my best friend is rich?

I’m poor (my mom doesn’t qualify for food stamps but she just did some food shopping at dollar tree) my best friend lives in a nice house with super – financially stable parents. I honestly feel so inadequate and upset. I live in a dump with mold on the walls and he lives in a two story house that even has a finished basement. He’s never been over, my mom doesn’t let people come over because our house is disgusting but she literally won’t move anywhere else. I try to talk to her about getting a presentable house but she just screams at me and doesn’t explain why, although she did say she almost paid off the mortgage ( 20 years from now)


How long does it take for a credit inquiry show up on my report?

I recently applied for a few credit cards, I got one and the other was a decline. The 2nd card was from AMEX and i have read that they are a little more stringent when issuing credit than others. Do their inquiries show up right away? Should I apply again? I want a larger limit card.


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Whats the best brand and weight. thanks


Need help about trying to get a car with bad credit!!!!! Need any and all advice I can get!!!?

Hello I’m a working student. I’m 19 years old and just begin working again since last year for the summer. See I’m in need of car badly and yes I do not have perfect credit while I was in school somebody had stole my credit card and I’m half to blame it. I also don’t have a down payment and have tried so many ppl to cosign for me it’s crazy. My close family swear they have bad credit to but I believe its just there way of saying no. I don’t know what to do I have only been turn down once by a used car dealership what can I do I need a relaible car before august if not I might lose hope and faith. Please help and not with dumb answers!! Thanks!!


Why wont a credit card company lower my interest rate?

A few months ago, I tried to get my interest lowered on a card. It had gone up after I paid two days late one time. They had told me that the rate would go down after I paid on time and without fault for at least six months. Nothing at that time worked so I went on paying on time. After a period of more than 6 months without being late once, I called again. I was courteous, didn’t yell, didn’t get angry and was as respectful as I could be. I reminded the rep of what I was told. Still nothing. I was told I did not apply for a lower apr and to try again another time. Insisting did nothing and all i could do was say have a good day and hang up. I don’t understand why they won’t lower it? I feel like now i’ll get the same answer, that I don’t qualify. Searching online gives a lot of advice, but I want to know how real folks have dealt with this problem. I want to be debt free. The worst thing I’ve done was to assume my father knew best. I wish I knew then what I know now, and that I hadn’t allowed him to use my credit for his own use and fancy. But I’m stuck with it now, and I want to pay off. Such a high apr makes it impossible, more than half what i pay goes to the interest. The amount is not that high at the moment by the way. Its 3890 now. It used to be much higher but its taken quite a while to bring down.


Where is a good site to go to and get a free credit report?

So many of them want a credit card #. I found a site a couple of years ago that was completely free but cannot remember where. Anyone know? Thanks.


I am a cosigner and I plan on filing bankruptcy, how will this affect me?

I am considering filing for bankruptcy, and I am a cosigner on my mothers house and a lien was put on it for me owing on a different credit card, my questions regarding this are: -How long will I be on bankruptcy? -Can I still use my credit card that I have now and paying every month on? I paid 500 cash for the card (reusing my own cash basically) -I live in an apartment that I pay rent for and I am considering going on government assistance cause times are hard, will I get the help from them? -How will this affect my mothers home that I cosigned on?


Can disabled people get a real credit card?

EDIT @ Judith – thanks for explaining. I’m sorry to hear that you, like so many of us, were victimized by the banks. Or maybe you will say it was all your fault, but I don’t think so. They KNOW most people do not have the knowledge or discipline necessary to use credit responsibly, and they also KNOW that most people will only blame themselves, and rather than declare bankruptcy like any business would, they will instead slave away for many years to pay their responsibilities”. What bothers me is that they’ve made it necessary to have and use credit regularly to have a good credit score

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


Do the bank require a down payment if i am financing through the bank?

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Continue with car payment and bankruptcy?

My Wife & I are filing for Chapter 7 bankruptcy. I’ve been preparing the petition, schedules, etc. December we got a title loan on one vehicle to pay for Christmas. We owe only $750 dollars, can we just continue making our payments as agreed? with the lien and value of vehicle the balance is exempt, under law.


How can I get a free copy of my business’ credit report so that I can examine it?

I own a small business. I’d like to check my business credit report every year or so. How can I get a free copy?


State Farm vs Allstate Car Insurance?

I know this is kinda vague but what are your personal experiences and opinions on these two companies. Pros and Cons.


Is it possible that a loan company can charge off a auto loan and refuse car back?


What are the pro’s and con’s to bankruptcy?

I’m a 20 year old female with alot of court, health and other bills. I’m trying so hard to catch up, but i just can’t handle it. please help me out.

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


Can debt keep me from getting certain jobs in the Navy?

I talked to a recruiter about joining the Navy and I can’t seem to get a straight answer. I have horrible credit and a lot in collections. I do however, have a secret clearance that I obtained a couple years ago. I would really like to get into the Nuclear program if possible. I scored a 92 on my ASVAB and have no other legal issues. Would I be able to get in if I file for bankruptcy? Or would it be better to get a debt consolidation loan so that way everything is out of collections by the time I enlist.


Is there anyone out there that has gotten a cash advance online and know thats its safe and real ?


Has anyone used credit repair attorneys?

One of my New Year’s resolutions is to fix my credit. I’ve been advised not to use debt consolidation programs. So, has anyone had any experience with credit repair attorneys? Like, Lexington Law Firm, and of the like? How does it work? Please tell me your experience. Thanx!


Looking to get an auto loan of about 20k, should i wait for my pay raise?

I’m 23 with a score of 740. I went to my credit union for a loan and she suggested i wait for my raise I’m getting next week to show more income, i make 14 the raise going to 18 dollars. the car i want is a bmw 328i which is around 22k but im planning to put around 6k down. will waiting for my pay raise make a big difference on my interest rate?



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

Lol. If a loan shark break my legs , how am I suppose to earn the money to pay him if I am not able to work?

My current job requires the usage of legs. Without my legs, I won’t be able to perform the required duties. With my current job and salary, I will be able to pay off the loan shark in a couple of months. With a minimum wage job, it will take me at least 5 to 6 years to be able to raise the money. Please atheists, do not answer. I had to re-post this question again because I got some really dumb answers from atheists.


Can disabled people get a real credit card?

EDIT @ Judith – thanks for explaining. I’m sorry to hear that you, like so many of us, were victimized by the banks. Or maybe you will say it was all your fault, but I don’t think so. They KNOW most people do not have the knowledge or discipline necessary to use credit responsibly, and they also KNOW that most people will only blame themselves, and rather than declare bankruptcy like any business would, they will instead slave away for many years to pay their responsibilities”. What bothers me is that they’ve made it necessary to have and use credit regularly to have a good credit score


Can I declare Chapter 7 bankruptcy under these conditions?

I am in my 20s, I rent do not own. I have $22,500 in unsecured credit card debt. I only make $31,000 annually. I obviously know I am in a dire condition, so I really do not ask for any negative comments. I am ashamed that I allowed my financial condition to become so dire, but never the less, I am unable to pay this debt off. I live in Pennsylvania, and I need to know if I am still eligible for Chapter 7 bankruptcy under the updated bankruptcy laws? I did a little research on my own, and I seem to meet the conditions. I do not make the median average for the state. I appreciate any response.


Where’s a good place to get a free credit report online?

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


How do i get a loan, going to beauty school?

im going to start regency beauty school on the 20th and have practically been battling with them to get info and to progress my situation. i don’t know what im doing nor am i getting any answers from them can somebody PLEASE help me just give me any information you have here’s my situation i applied as independant on my fafsa because neither of my parents are in my life i need financial aid to help me pay for an apartment my tuition is 18k i am elligable for the federal pell grant up to like 6k so im estimating i need close to 20k for a loan how can i get that much?


Where can i get a free credit report?

You all have not given me any for CANADA only for the US Come on


Is there anywhere i can get a free credit report without a checking account?


CIBC online banking help?

What the heck is a payee? I’m trying to pay my credit card bill but have no idea how.


Where can an 18 year old get a loan for $2000. credit is not bad.?


Filed bankruptcy and kept my car?

I did not do a reaffirmation,I retained my car and agreed to keep paying. Now i can not afford to pay the car what now? If it is reposed will i owe? or does it still fall under my bankruptcy?


Can I get a cash advance in my checkings account with USAA?

Is it even possible to get cash advances on your debit card just like your credit card? Will it be considered a loan or something like that? I’m in serious need of money right now but my military paycheck isn’t even close to be enough. It’s not an emergency or anything but I’m gonna be in a bit of a hole if I don’t get that money soon.


What’s the best online payday loan?


Is such a thing as a free credit report really exist?

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Questions about auto loan?

Here is the situation, I bought a 96 Camaro and was told it was in good condition and it looked that way and drove great but after a coulple months I found out there were some serious problems with it and I belive the fuel pump is going out on it, anyways, Im just looking to sell it for the money that I owe on it just so I can get out of the situation and only owe 2000 more, anyways I will never buy another used car again, but just wondering where I can get a auto loan with no credit and unfortunitly I used all my money for the down payment on the camaro and with the 300 dollar a month payment there is no way I could save money for another? any help? Need a ride to get to work and back!


Can disabled people get a real credit card?

EDIT @ Judith – thanks for explaining. I’m sorry to hear that you, like so many of us, were victimized by the banks. Or maybe you will say it was all your fault, but I don’t think so. They KNOW most people do not have the knowledge or discipline necessary to use credit responsibly, and they also KNOW that most people will only blame themselves, and rather than declare bankruptcy like any business would, they will instead slave away for many years to pay their responsibilities”. What bothers me is that they’ve made it necessary to have and use credit regularly to have a good credit score


Where is the best place for me to get a personal loan?

I’m 18 I don’t have anything against my credit and the only thing I know of is I owe 100 dollars to the old bank I used to use, but I have wells fargo now. I make 1100 a month and have rent of 535 for my apartment. I have been employed for over a year also. I’m looking to get a personal loan of 1500 to 2000 dollars. Where is the best place for me to apply?


If you have an auto loan on a car and the car stops working within 2 years, do you still have to pay insurance

and are there any other options


Mortgage rate symbol?

I am looking for the symbol for the 30 year fixed mortgage index symbol on yahoo? anyone know it because i cant find it anywhere?


Getting an auto loan?! Help!!?

I am 19 and have a fair credit history…I have had a card with capital one for a little over six months now and currently have 5 other credit cards. I am currently $3,200 in debt but am paying off $2,400 off by the end of the week. For the hell of it I applied at lendingtree.com for a auto loan and it forwarded my information to capital one and they denied me with a credit score of 627. How easy should I expect it to be to get an auto loan when I pay off most of my debt and have a $1,000 down payment by the end of march? Any plans of suggestions?!?!


Car salvaged because airbags deployed?

Im looking for a new car and i came across this bmw that has a salvaged title on it and i asked the guy for pic of the accident and the car did not look bad at all. Looked like he was a colision at a turn since its in the front right of the car and it didnt smash into whatever he hit becuase the bumper was still well on just hanging a bit from the side were it was hit. I asked why it was salvaged since it didnt even look bad at all. He said it was because of the airbags that deployed. He said he had them replaced along with the windsheild and bumper. The car is a 2011 bmw 3 series sedan with 63,300 is it worth getting? Its priced at $14.000 and im thinking of taking a friend who is a mechanic to look at it. Right now the car looks beatiful. Never would of known it was in a accident if it wasnt for him mentiong it. I just asked this question but what i noticed it that everyone is talking about the frame. The owner said there was no damage done to the frame. What about insurance though?




















































I used my dads credit card online for 560$ accidentally. I really need help right now please.?

I used my dads credit card online for 560$ accidentally. I really need help right now please.?

It was on a website called Vulcan www.vulcun.com they do not do refunds I forgot his credit card was in my account and I accidentally used it. I know that I should tell him but I’m scared how he will react I really need advice

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


RELATED:

How long does it take to finalize a purchase of a townhouse?

This would be our first time purchasing a home. We want a townhouse really, but if we can find a home for the same price we will do that…… anyway, our lease runs out in our current apartment in mid June this year and I was wondering how long does it take to actually complete all the paperwork and so forth with purchasing a home. I wouldn’t mind if you could give as many examples as possible. Any negative that can happned (like one loan not approved, credit rating not good enough) and all. How long does the credit check usually take or finding out if the loan went through?? Thanks in advance for any help.


Where can I get $50,000 at 8% interest payable in 60 month installments? Payment monthly will be $1,013.82.?

Yearly income is $93,000.00 with additional income during year for a total of $120,000.00 yearly. We have no no bankruptcy and no defaults on any loans ever. This is for a debt consolidation due to medical expenses and other items. Most cards to be consolidated are already closed.


3 Years after Bankruptcy?

I declared bankruptcy in Colorado in 2008. 3 of the companies that were included in the discharged debts are hitting my credit report every 6 months with negative hits. The other companies left the accounts as is in 2008, and have not reported to the credit bureaus at all. Is this legal? I’ve been contacting the reporting agencies, but surprise, there’s not guidelines anywhere and no one seems to know the answer to my question. Can anyone help me? Can they hit my credit report whenever they feel like until 2014, when the debts are discharged off my report? Thanks.


Why can’t I sign up to Citibank credit card OL?

I’ve been trying to sign up my citibank credit card online so that it woudn’t become a hassle checking my account. but why can’t I sign up? It asks for my citicard number”

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How do I (stay at home military spouse and mom) get an auto loan?

How do I get approved for an auto loan and what is my best route in your opinion? My husband is in the military and I’m no longer working due to just having a baby and having 4 surgeries in the past 2 months. Thanks in advance!


I got scammed, can i keep the money?

I thought i was getting a job, they sent me a check and wanted me to send most of the money via western union. i cashed the check and i have the money but i didn’t send the money to the scammer. its been more than 2 weeks and the check has not bounced, should i keep the money? also i am an immigrant and do not a bank account, i cashed the check at a corner store….so should i keep the money? i do know the actual owner and manger of the store….thats the only reason i could cash it. and they havent told me it bounced because he told me he was gonna call me if the check was no good.. do you think the check still has time to bounce?


I’m almost 18 with student loans. Does this mean I have credit?

I’m turning 18 next week, I signed my promissary note, and no, there was no co-signer. But, I was wondering if having student loans counts as having credit. And if so, is it bad credit?? I want to get a newphone service but I’m not sure if I have credit or not. Thanks!!!


I used my dads credit card online for 560$ accidentally. I really need help right now please.?

It was on a website called Vulcan www.vulcun.com they do not do refunds I forgot his credit card was in my account and I accidentally used it. I know that I should tell him but I’m scared how he will react I really need advice

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


Bankruptcy and Car Loans?

Hello, I have a little situation and need some help in understanding the likleyhood of certain things. I had claimed bankruptcy aproximately a year ago, at the time I had an Acura MDX under lease through Honda Finance, and my monthly paymenets were about $750. However, during this time I managed to continue to make all my monthly paments on time without being late or having a cheque bounce. My lease is now expiring in about a month and I am worried I will not get approved due to my bankruptcy. I have gone to Honda and signed a deal on a accord and have put about $1000 down, my monthly payments are working out to be just under $400. I am still going through Honda finance for this mater… My question is, will my bankruptcy still have such a big weight effect on me as I have gone through honda finance in the past while claiming bankruptcy and still managed to pay my monthly lease, in addittion I am downsizing in car and am facing a payment that is about half as much as I use to pay. I have also been a customer of Honda Finance for the last 8 years. *I dont think my credit score is horrible either as I was approved for a credit card by capital one nearly 6 months ago, and havent had any issues -If someone could please shed some light on this issue, it would be extremley appreciated. Thanks!!!


Is credit score and credit history designed to keep the poor poor and the rich rich?

I have lived in three countries before I moved back to the US, I was young when I left though so I never really knew about credit scores and things like that. Now that I am a grown man living in the US I have realized that credit history could either make or break you. In the other countries I have been to they have a system similar to to SSN that we use but it doesn’t record the financial mistakes you have made throughout your entire life Everyone says it was designed for employers and banks to see how responsible you are but I find this hard to believe. It doesn’t make you irresponsible if you got laid off because of cut backs and you couldn’t afford to pay your car note. Its really messed up because your credit report never shows why your car was repossessed, isn’t that weird if the system was designed to see if someone is responsible or trustworthy? I think this hold credit reporting thing was designed to keep the lower class where they are. Of course lower class people will default on their bills at some point in time; the government knows this so I think they invented the system to prevent the lower class from getting loans (student loans, business loans) so they could never move up to the middle class and eventually upper class. As for the upper class people, they are financially stable so they can afford to pay all their bills on time. This gives them a good credit score and they can be approved for any kind of loan (eg business loan). This will then make them richer and they will always be upper class So I came to the conclusion that credit reporting doesn’t benefit lower class people whatsoever because they are barely getting by, they can probably pay their bills but it wouldn’t be paid on time. The US government know how to keep its people under control, its really sad to know that if you have a messed up credit score than your chances of making it in life are really low. Its hard enough getting by in this economy, and its even harder trying to maintain your credit score so you can get a job or loan in the future When would the government give its people a break? and Why do we call our country the land of the free when everything is controlled. We even have to pay for health care……the government must really love us….smh


Met someone on craigslist. Wants verification?

nsaconnectverify.com ? it is fake?


Will a cosigner with great credit help get a lower interest rate on a mortgage? My middle score is 550.?


Where can i get a free credit report?


Where should i apply for my next auto loan?

i currently have two auto loans (2 diff banks) i would like to trade in my car, however i’m upside down on it. i still owe $7,600, so i’ll must likely have to take a $5,000 rollover. i’m wonder if i should apply for another loan from the bank my 2nd car is from or if i should just apply at my credit union? i’m trying to avoid running my credit a lot. i’m looking to buy a used truck.


Can I still apply for a loan to buy a mobile home with no Job? I’m married and I have good credit and 2 active credit cards.?

I’m trying to buy a mobile home but the owner told me I have to apply online and see if I get approved first. The owner is not done paying for the home yet. My husband is the one that works but he can’t do the application because he doesn’t have a ssn. I’m thinking that I could use a Co-Signer to help. Would a co-signer really help??


Inf. about payday loan lenders?


I used my dads credit card online for 560$ accidentally. I really need help right now please.?

It was on a website called Vulcan www.vulcun.com they do not do refunds I forgot his credit card was in my account and I accidentally used it. I know that I should tell him but I’m scared how he will react I really need advice

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


I am applying for personal loan 36 tenure after one year can i apply for home loan in same HDFC bank?

i am currently going to take personal loan 2L 36 tenure after one year coul ibe able to apply for home loan ??????


Please help me find an absolutely free online credit report online?

Does anyone know where I can find a free online credit report to pull up online without the hidden costs of any monthly fees or one time charges? Your help would be greatly appreciated. Thanks..


Whats the procedure of bankruptcy, can anyone tell?

guys i think i owe more than $20000, and there is a bit chuck of dept from university, now i dont know how to pay for it. can anyone give me advice about bankruptcy


Can we negotiate a different payoff for a reverse mortgage?

I asked the question yesterday : My father passed away recently. He had a reverse mortgage. We received a letter from the rev. mortgage company telling us the final amount due to pay off the loan. Is it possible to negotiate a lesser amount for the payoff? They charged outrageous fees on the loan and I don’t feel they deserve the payoff amount. The house has already been sold to new owners. If we tell the mortgage company we are not paying, what is their recourse? I received a couple interesting responses. It appears that a few people are incredulous that someone would want to try to negotiate a debt. One of the answers appears to have come from a person who has a vested interest in reverse mortages, so it is not surprising that they would say negotiating is not an option. Lets take out my statement about the fees being outrageous. I know my father agreed to the terms and I also get that mortgage companies are not out to spread money out of the goodness of their heart. I understand the risks they are taking and therefore they have to charge lots of money to cover themselves. OK so lets take this one step further and hypothetically assume I am just a good capitalist and want to lessen the amount I have to pay. The house is sold. The amount of money from the sale is going to leave some extra after the rev. mortgage is paid off. I’m really trying to see if there are any precedents for this situation where there has been a reduced final payment negotiated? Yes, I guess you could say I am looking for a way to screw the rev. mortgage people. NO, I don’t feel badly at all. This country is based on people screwing people for money. Just look at the Congressional bailouts to the banking industry. Average Joe tax payer=screwed. Health care legislation=billions of dollars in debt=Average Joe taxpayer=screwed. State/Federal government employees getting pensions, yes pensions- guaranteed payments for the rest of their lives from, you guessed it, Joe taxpayer=screwed. People who should not have been allowed to buy houses getting second chances from the government instead of being sent back to their apartments where they should have been all along: yup, Joe taxpayer picking up the tab=screwed. Those of us who have played by the rules, have perfect credit, never missed a payment on anything, just want to be left alone to live our lives without Government telling us what we can or can not do…=screwed. So now that MY RANT is done and my true nature revealed, I am just looking for a little screwing myself. I will end up paying what is due as that is just the type of person I am. I play by the rules. Call me a sucker. But hypothetically, has there ever been a successful negotiation or non payment of a reverse mortgage?


How can I get a FREE Carfax report on a car I already own?

I just wanna know what’s going on because it’s acting stupid.


Payday loans In Mass are Illegal?

I had a payday loan from MMG holdings it was a online payday loan for $200. I lost my job and could not pay it back so they sold it to a collector. Well come to find out the payday loan place can’t offer Mass res payday loans. I did not know that. The Div of banks told me that so what happens now with the collection place they sold my debt to. The loan was in June 22, 2009 why did it get sold to a collection place so quick.The collection place is nasty there from CA Nobel Recovery Services LLC They told me they don’t have to send me any paper work and told me I will be arrested for fraud. How can this be The MMG holdings should never have givin me the loan they broke the law.


I need to get a payday loan as a last resort; what are some reputable places? And how does it work?

Hello, As a last resort, I need to borrow from a payday loan place. I am so nervous about doing this, but feel that it is a last resort. Can anyone give me some guidelines or some reputable places? Can someone also walk me through the process? I need to borrow about 900 and make about 4,000 a month. I just dont get paid for another two weeks.


Help Needed, upside down car loan, divorce, no refi option?

Let me also say that if you want to respond saying how its all my fault that I waited 37 years of marriage in an abusive(alcohol and gambling) situation that it was my fault…I get it. Don’t need to hear it again thanks so please keep it to yourself, it doesn’t help anyone. Unless you’ve been there, you have no idea and I suggest you keep your ignorant rants about that to yourself please. Also, with the new bankruptcy laws I can’t even afford to file for bankruptcy again (unless I take a cash advance off a credit card for the legal fees?)

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Question about the H&R Block Emerald Advance™ Line of Credit?

For those who have been approved how good is your credit. I have read online that H&R Block is doing credit checks for this year to get the Emerald Advance Line of Credit and I am wondering how good your credit has to be to actually get approved


Bankruptcy questions?


I filed for bankruptcy last year, and before I do my income taxes is there anything I need?

I filed for Chapter 7 Bankruptcy. It was finalized February 2009 and my debt was discharged (forgiven). Before I file my income taxes for the 2009 year, is there anything special I need to do in order to file my taxes. I do them myself online.


Advice on filing for bankruptcy help!!!!!!!!!!!!!!!!!!!!!?

I am seeking advice on people who have filed for bankruptcy. what routes did you go and how damaging has it been. what would you have done different. thanks!



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

I didn’t get approved for a best buy credit card ?

i really wanted a best buy credit card and i didn’t get approved for it do i need to make a certain amount to get approved and do i need to have credit history ? never had a credit card before and don’t have any credit history


I used my dads credit card online for 560$ accidentally. I really need help right now please.?

It was on a website called Vulcan www.vulcun.com they do not do refunds I forgot his credit card was in my account and I accidentally used it. I know that I should tell him but I’m scared how he will react I really need advice


How can i check to see if my or my daughter’s SSN has been used?

I was filling out a enrollment form for my work’s insurance and had brought it in for their head of HR to answer some questions on it that i wasn’t sure about. we had suddenly gotten busy and i had laid it in our work room amongst our general file cabinet that everyone leaves misc papers, whether personal or work related, and everyone usually leaves it all alone. i then found it missing and couldn’t find it anywhere and had notified my bosses and coworkers as well as the HR that it was missing in case someone turned it in, which never happened and everyone else has said they didn’t know what happened to it. this isn’t a room where someone from the public can get to it, it’s strictly accessed by employees from my and other departments. i’m hoping against hope it was shredded and thrown out by someone who thought i didn’t work there anymore and not having used it or sold it. it had most of my information on it, including my and my daughter’s SSN on it. i’m not as worried about mine as my credit is crap thanks to my ex husband, but my 3yo daughter’s SS is fresh and the perfect candidate to be used or sold. i’ve found out all the ways to report if the number is being used, but can’t find anywhere on how to CHECK if it is. can anyone help?! i wouldn’t have brought in the form and left it if i knew there were untrustworthy people who wouldn’t leave it alone for a few hours til i had time for a break to put it in my locker.


What is a good/bad interest rate for an auto loan?

For a $5000 auto loan for 60 months What would be the range for none, bad, average, good, and perfect on an interest rate? **Please… serious, constructive answers only**

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


What is the best type of credit card for me to have? I’m just a dude with a frugal lifestyle that only needs it for emergencies?


I’m thinking about taking out a payday loan. How can I know which ones are legitimate?

How bad is the interest? For instance, if I took out $500, and I paid it back within the week, how much extra would I have to pay?


How do I make online purchases without my parents finding out? (read description)?

First of all, no, I don’t have a credit/debit card, and no, I’m not going to sign up for one. I’m 14 so I doubt that would work anyways. My parents are incredibly strict, so it’s not like I’m trying to buy drugs or anything. I’m literally just trying to order a non s*utty shirt from Pink, but since it’s associated with victoria’s secret, they won’t let me. They’ve always let me make online purchases through their paypal, but I’m wondering how I can get that purchase not to show up. I don’t know if that’s possible, that’s why I’m asking. I don’t have to use paypal, I can also use their credit card, but I thought paypal would be easiest. And before anyone asks, I’m paying them with my own money, not stealing. If you’re going to comment If your parents don’t let you


30 day lates on credit report from auto loan?

Back in December of 2009, my husband and I both got laid off of work. We were having some money problems, and we had to pay our auto loan late. Although, we are basically a payment behind; here is the deal; my payment is due on the 29th of every month. We couldn’t make the Jan payment, so we paid it when Feb. payment was due, on the exact Feb. due date, and we have been been behind a payment since then…so technically, we are NOT 30 days late, just late. Now, we pulled my husbands credit the other day, and we have several rolling 30 day lates on this loan. I called the bank to dispute this, and they state they will not remove the lates because, and I quote some days have 31 days in them


PLEASE HELP…Anyone Familiar With Speedy Cash?? (Payday Loan Company)?

I got a loan with them for 300.00 and could not pay it back……i had my purse stolen and had just cashed my paycheck…anyways they sent me a letter saying they will sue me if i don’t pay the money in full……i have no way of paying it or borrowing it…..Does anyone know if they really do sue you or es it just to get you scared???? PLEASE HELP!


How can i find my credit report without having to use a credit card?


Chapter 7 Bankruptcy question?

John is single. He has a steady job earning $35K/ yr. (Take home pay is $2300/ month).John owns a 2006 Ford F150 pickup truck. (Monthly payments are $300.) The bank which gave him the car loan has a security interest in the truck. John owes $1500 on the truck loan and is current in his payments. John rents a furnished townhouse on Bangs Lake for $1400/mo. He has outstanding student loans of $15,000, credit card debt of $16000 and unpaid medical bills of $9000. He also owes the IRS $5400 from the 2007 tax year and a jewelry store $1500 on an installment note for a gold watch he bought. The jewel has a security interest in the watch. Finally, he has monthly child support payments of $500. He is $5000 behind on these. He eats out about 3 nights a week, spends money (very little) on his girlfriend, plays golf once a week in the warm months and goes on 3 or 4 ski weekends a year (mostly in Wisconsin). He stops for an hour or two at his favorite bar almost every evening. John’s assets include the truck (worth about $10,000), jet skis (paid for, worth $4000), a laptop (he needs it for his job; it’s worth about $600), ski equipment worth $800 and a $1200 keyboard. He also owns 100 shares of stock worth $1500 (These are not part of any retirement plan.) and a gold watch worth $3000. John is thinking of declaring bankruptcy. (I wonder why?) The total costs of the bankruptcy proceeding will be $4000 (including attorneys fees, trustee’s expenses, etc.) Qs. Prepare a table showing what happens to each of John’s debts and assets if he files Chapter 7 bankruptcy. What property does he get to keep? How much does each creditor get? Are there any debts which won’t be discharged? What happens if John forgets to list a $3000 medical bill from the Boston Medical Group when he provides the court with his schedule of debts? for purposes of the homework assignment just assume that he can file under Chapter 7


Where can I get a FREEEEE credit report ?


What is the best online site to get a copy of my credit report that is detailed!?

In process of organizing finance to purchase house and need a copy of my credit report to see any negative info or reporting that I need to fix. I live in Arizona and would like to know the best site for the most detailed report that is accepted by all creditors. Thank you

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


Can you go to jail for credit card debt?

can you go to jail for credit card debt? iam about 10,000 in debt and i havent paid a payment in 7-8 months because ive been having some financial issues..can they really send you to jail?


I used my dads credit card online for 560$ accidentally. I really need help right now please.?

It was on a website called Vulcan www.vulcun.com they do not do refunds I forgot his credit card was in my account and I accidentally used it. I know that I should tell him but I’m scared how he will react I really need advice


Mortgage Refinancing while making Chapter 13 Payments?

In November 2010, my wife and I filed for Chapter 13 Bankruptcy. Since then, we have been making payments to our trustee without fail. Additionally, we are paying back the full amount of what we owed sans interest and penalties. Given the historically low interest rates, my wife and I would like to refinance our condo. However, besides getting approval from our trustee, we will need to find a lender who is willing to work with us to get it done. Like so many others, our condo is under water, but we have always paid on time. Our current mortgage is FHA insured and has an interest rate fixed at 5%. If possible, we would like to get another FHA loan with a fixed interest rate that is lower than what we have now. We are not interested in any adjustable rate products. Reply if you can help.


Will they definitely offset my tax refund?

I filed my tax refund on jan 22 and found out that my ssn was flagged for an offset due to a defaulted student loan. I called the collection agency and was told that they only take out what you owe as of the date that i received the letter warning me of possible offset. Therefore i will still owe the remainder which is basically collection cost and that it would keep collecting interest. The guy in charge of my account couldn’t tell me exactly what they will be taking out of my refund but he was so quick for me to make payment arrangements for the remainder (i couldn’t do it that day because the due date for my first payment would fall 5 days before my next payday). why would he want set up a payment arrangement without even knowing how much i will owe? could it because they may not actually offset my return this year? and he was trying to get me on a payment arrangement just in case? i received my refund last year and also my stimulus payment even after i received that letter last year.


Where can i get an auto loan with bad credit? Legit and resonable?


I am trying to build my credit, can someone tell me a good credit card to get..??

I only want to get like gas on it and then pay it right up so that I can at least build my credit a little…. Any advice?? and please tell me if this is a bad idea… and if so why?


Can I get a auto loan with a 597 credit score?

My credit was really really bad a year ago (4-something), but within the last year I paid off alot of debt, pay my bills on time, etc. in other words I grew up. I know its still low. Now I’m in the market for a new/used auto, and wondering If I could get preapproved for a loan. I was thinking maybe Capital One………..I would prefer not to go through the stealership…………any info……..thanks




















































What is the best excuse to avoid paying a credit card late fee charge?

What is the best excuse to avoid paying a credit card late fee charge?

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


RELATED:

College student looking for a credit card?

ps. the main reason i want my own credit card is so i can take more steps towards being independent and build credit. being dependent on my parents money makes me feel like a brat. and right now i only use my parent’s credit card for textbooks. and whenever i use it i have to get approval from both of them. so i know a credit card is not free money


Upside down Auto Loan?

So I bought a car that has severely depreciated. The trade in value according to KBB is 5,400 roughly i expect a dealer will try to knock it down i will not accept anything lower than 5,000. I currently owe 9,000. It is in excellent condition only have 68k miles on it and its a 2004 luxury car. Well it recently got the engine replaced but was still under warranty and I want to try to rid myself of this loan. We are currently a 2 car family and can make do with 1 car. Can i sell the car to a dealer and make payments on the difference? For example i owe 9,000 i trade it in for 5,000 and i get a loan for the remaining 4,000 I assume the dealer will want the title so they can own it. Can i make smaller payments till it has been payed off? or do i need to finance another car in order for them to do this. I would like to get rid of it because the warranty is about to run out and i fear there may be more problems in the future seeing as the engine was replaced with a much higher mileage engine of the same quality.


If you go to jail, what happens to all your debts, bills etc?

I am not in this position i am just asking, stop jumping to conclusions!


How can i find my credit report for free?

i would like to find out my credit report and not have to pay someone

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

Are payday loan bad?

I tried prosper.com but it does not seems to be working in my favor I am not eligible for Financial Aid. What should I do? My credit score is not the best.


Is a 5.8% APR good for a new car loan?

The dealership is offering me 5.8% APR to buy a new Scion TC. It’s a bi-weekly loan and it’ll be 4 years in length. I’m only 19 years old so my credit history is not extremely well established yet even though i have tried hard but I feel that 5.8% is fairly good for my age. Is this an agreeable rate?


Qualifying for auto loan?

I make $50,000 a year, $31,500 a year after claimed business expenses. Current employer for 2.5 years. My wife starts a job this summer at $48,000 a year. So in the future I have no doubt we can afford it. We currently have car payments with full-coverage insurance, so I believe we will be accustomed to fitting this into our budget.


What is the best excuse to avoid paying a credit card late fee charge?

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


How can I find out who owns my auto loan?

I haven’t paid my car note and I am almost sure that they’ve sold my account to someone else. The problem is, the car lot I bought the car from is no longer there and I can’t remember the original financer to ask them. Can someone point me in the right direction?


NEED HELP… I Just Turned 18 And Want To Apply For A Used Car Loan?

I just turned 18 and I am looking to buy a used car. But due to my parents bad credit they cannot pull out the loan although they are going to partly pay for it. I am looking to buy a 2004 Subaru Impreza WRX which go for about $8,000 – $12,000 I do have a job. I make around $450 A month and have no other bills to pay If anyone could help me out and point me in a direction to go i would greatly appreciate it.. Also I do not have a credit card, only a Debit I am getting one very soon though. Thank you!


Is creditscore.com a legitimate site?


Should i use a credit card teaser rate to pay down an auto loan?

The balance of auto-loan is $12K. 6.59%. My savings account is 5.05%. I received a mailing from the bank/credit card yesterday that I am considering, and I would like your advice. The promotion is 2.99% APY on anything you use the attached checks for (the balance goes onto my credit card). The interest rate is effective for as long as the balance exists. The catch is that there is an upfront finance charge of 3% of the amount of the check. I think this is a common promotion, so please let me know if I’m forgetting any important details. I currently have a balance of about $750 on this card that is at 2.99% from another promotion. My available credit is $9,250. Here’s the question: What would be the risk of using one of these promotional checks to pay off a large amount of the principal on my auto loan? Concerns: How does the credit card card company determine my minimum payment?


Is there any place where you can get a credit report for freeand print it online?


Why refinance an auto loan?

Aside from lower payments how can refinancing an auto loan help you? I always thought an auto loan was set, as far as interest and principal go. Unlike a house, paying extra each month did not help you save money on interest because the total interest and principal was set at the beggining. As I’m reading auto refinanace information I’m seeing that you can save money on interest. Can someone please educate me if I have been wrong about how auto loans work? Thanks


What kind of hours do Mortgage brokers work? how late?


Credit Card math problem: Recursive formulas?

You are a college student who has a credit card with the Students R Us bank. You realise that you are in trouble when you open your credit card statement and find that your balance is $3271.00. The bill says that you can make a minimum payment of $35 per month. You promise yourself to stop using the credit card and start paying off the debt.Your credit card statement indicates that the annual interest rate charged on the outstanding balance is 12%, meaning 1% monthly. 1. What is the recursive formula for this particular situation? 2. How long would it take you to pay off your debt if you could afford only the minimum monthly payment. What would you owe when you graduated in two years? 3. Is there a critical payment amount at which the long-term behaviour of the credit card balance changes dramatically? What is that amount? 4. What should your monthly payments be in order for the debt to be paid off in two years? 5. After answering #4, you realise there is no way you can pay off your credit card debt by the time you graduate in two years. You convince your parents that your plight is partially their fault because they didn’t teach you how to manage your money. They agree to help you pay off the debt by paying the monthly interest on the balance for you. You have to pay a constant amount each month and have the debt paid off in two years. a. What is your monthly payment under this plan? b. How can your parent’s monthly payments be calculated? What is the amount of their first and last payments? What is the behaviour of their sequence of payments? How much do they pay altogether? Thanks for some help! Even if you can only answer/explain one question, any help is great help!!


What is the best excuse to avoid paying a credit card late fee charge?

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


Tax return after bankruptcy?

Hearing was in February 2010 and received notice of discharge in Apirl 2010. Entire 2009 refund was paid to trustee.


Does anyone know if Tower Loan is a good place to work?

I applied to for a job with them and they called and left a voicemail for me to call them back but before I did, I just wanted to know if anyone has any experience working there. I know they offer great benefits, but I looked on www.Consumeraffairs.com and there’s 46 complaints about them. Any advice is helpful and I just wanted to gauge people’s opinion before calling them back. Thanks.


Have a bank loan in Saudi, exit on re-entry visa and go to work in UAE / Dubai?

Can I go on work visa to Dubai while holding exit re-entry visa in Saudi? I mean if I’m not on exit my iqama, bank account, etc will still active and I will be able to pay my loan while I work in Dubai. Is that possible? Is there any risk I may get? Please help me. I can’t pay all the loan at once, but will be able inshaAllah to pay it within 3-6 months.


Free credit report – free credit report………………….?

why do all these companies want to give me a free credit report? what’s the scam, my personal information?


I have a credit score of 580 and a $20-30,000 down payment? Can I buy a house?

I have bad credit, but a large down payment ready… Can I buy a house? How would I get the loan process started?


1099-C from a Collection Agency?

A friend of mine recently got a 1099-C in the mail from a collection agency based on $4000 of debt. This new” collection agency either bought this debt


Does anyone know anything about Jump Start Auto Loans?

We have been offered an auto loan to rebuild our credit, but I’ve never heared of Jump Start Auto Loans. What kind of interest rate do they offer, etc.


Threatening to refinance the auto loan but we are both on the loan and title of the car!?

this is what happened. we switched the names around on the loan so that i could get a better rate, therefore making me the co-signer. i will be making the payments on the car. he keeps telling me that he can take the car and refi or keep the car because he can make the payments on it. but both of our names are on the title and the loan but me as the co-signer on the loan. now hes threatening to refinance the loan and take the car back from me and i wanted to know if this was legal. where can i get some free legal advice incase he tries to get the car?

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


Also I am filing for bakruptcy can I add this to my bankruptcy?? I am also unemployed.?

If i had the money I would pay her back but I don’t.


How long does it take for money to go back into you bank account by card reversal?


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


My Credit score on Experian is 961 and I can’t get credit?

Is 961 Experian Credit Score good? As I can’t get credit? UK? I tried to get a Argos card and said no…. I tried to upgrade my basic current account with my bank said no…. Checked my score online is now 961 and says excellent… What’s going on? Any help would be really appreciated as I am looking to get a mortgage in the next 5 years and need to build it up. Thanks



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

Should I cancel this credit card with a $59 annual fee?

I am working diligently to pay off my debt. I currently have 6 credit cards and one Auto Loan opened in 3/2007 Capital One opened in 5/2004 Chase opened in 4/2005 Capital One opened in 7/2005 Bank of American opened in 7/2005 DMB/ HSBC opened in 7/2006 GAP 4/2008 Opened without permission- have since canceled The one I need to close is DMB/HSBC. I have two years good history with them, and it is my highest credit limit but it is RIDICULOUS to pay $59 a year to maintain this card with no rewards. Is canceling the card going to hurt my credit score terribly?


What is the best excuse to avoid paying a credit card late fee charge?


How does filing for bankruptcy work? and how can i go about doing it?

i need details


Does it cost any money to get a mortgage pre-approval?

Should I get several from different banks? (I want to purchase a co-op in nyc). If I do, am I obligated to go with that particular bank? Should I get it for what I think will be the maximum amount that I may need? Thanks!

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


What is the best website for running a tenants credit report?

Who has the best price an fastest service for a landlord running a potential tenants credit reports.


I have an IQ of 112. How do you rate this?

I have an IQ of 112. How do you rate this? Can I increase my IQ? How?


Is there a free website or link to receive your credit score?


Can anyone recomend a bankruptcy office Anywhere in the San Fernando Valley?

In the yellow pages, the numbers are either disconnected, the guy is out of the office until the second Tuesday of next week etc etc…..after calling about 4 pages, looked on line, same deal pretty much. Ok so has anyone had a good experience with any Bankruptcy office in the San Fernando Valley?


Best online loan companies? NOT PAYDAY LOAN?

I am looking for the best online loan companies. Not interested in a payday loan, nor am I interested in the people with web-based email accounts!


Can I qualify for a possible future Bankruptcy?

I live in Miami Florida. THIS IS WORST CASE SCENARIO..I just need some professional feedback…Currently, I have a property that I am going to refinance to pull out money and fix up my house (spend all the money) to see if it hopefully sells in this failing market. If it doesn’t then I will try to rent, but I have a feeling that I won’t be able to pay that new mortgage even with a tenant. I owe about $30 -$40,000 in credit cards, 1 lease car (about to expire) and a personal loan. No school or medical bills (because I have medical insurance thru the company I work for). The last two years I made $80,000 each year, but this year I am going back to school (a must) and will be working per diem and starting a family =) (that means no insurance and no steady income) and I’m single, probably making $30k or less this year (if I hustle). IF things go sour could I qualify for a bankruptcy?? I would want to hopefully start fresh with my new degree and family


What is the best Iron on Transfer Paper for Sports Jerseys?

I’m looking to add some graphics onto my teams Paintball jerseys and I’m looking for the perfect iron on transfer paper that won’t crack when the material is stretched or gone through the wash. Any help would be greatly appreciated.


Are there any legit online payday loans?

Online payday loans?


Can you use a home loan to buy land AND a house?

Or is it just strictly for house buying. Also if you could use it on land and a house would that include things like adding on a garage or building a basement? Basically if a loan was for 200k could I use on things involving my house?

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


Is it safe to get my credit report online…like through experian, trans union, or equifax?

Is there anything I need to watch out for?


What is the best excuse to avoid paying a credit card late fee charge?


How do I remove my card information from Aliexpress?

I accidentally SAVED” my debit card on payment method and now it always stays in my payment method page when I try to buy anything from Aliexpress. I am so scared that if someone hacked my account. they will be able to buy anything with my card because my card is on my account information. Some other article


I urgently need 300,000 USD unsecured, where can I get it?

Willinmg to pay up to 20% annual interest. All money to be repaid in one year.


How fast does an auto loan build credit?

I have been paying for a car now for 7 months. All payments are early or on time. I have also been approved for a secure credit card through the same lender of the auto loan. The car is far less than 15% of my income,( 5 yr loan) and the secure card has been paid on time or early, with at least 2x the minimum payment paid at a time. ( Now I just use the card for gas, and pay the balance as soon as the bill comes.) Where I’m going with all this information is: I would like to get a personal loan for a used motorcycle in the spring.. ( $4,000.oo loan MAX) and I also would like to get a mortgage ASAP. My credit score was mid 500s at the start of this adventure, with some old lingering medical bills on my report, no previous other debts, loans, or anything else. How long will it take to boost my credit enough for that sweet sweet home loan approval acceptance letter. THANKS! 😀


490 credit score auto loan question?

Thanks for the answers. Maybe I will save up a little more. Will the lender not look at the fact that I paid $11,500 worth of debt off in 5 months as a good thing and not focus so much on my credit score? Especially with the $10,000 down payment? As for the secured credit card. Yeah, I only use it for gas and small items and pay it off in full every month. I never let it get higher than 20% of the card limit. I’ve also only had it for 3 months.


Personal bankruptcy with small llc?

i have a small llc company and i m the only owner i have a semi truck on this company but there is a lien on this truck now friend of mine put this lien because he given the money now if i declare personal bankruptcy what happens to this asset can he take the title of this truck because if he takes the title he can let me work with it or can i keep my company out of bankruptcy since all the debts are my personal debts




















































Where can i go online to check my credit score without having a credit card?

Where can i go online to check my credit score without having a credit card?

i also want a place to check my credit and notes on how to fix my credit quickly?

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


RELATED:

HELP WITH AUTO LOAN PROCESS?

How long will it take to apply at a bank (I work alot and must set aside time)? What should I bring? Should I even go to a bank for a loan? I’m a recent grad with short credit that has just as much bad debt as ggod debt. What tips do you have to increase my chances of a good deal. Btw, I’m asking for $12.000-ish. Thanks guys 🙂


Is there a payday loan company that let’s you use your saving account?

I would like to get a payday loan but, I only have a saving account that money is direct deposited into.


I need a lender for a loan via the web with bad credit without money up front?

i have tried many is their someone out their that can help?


Does anyone know what a Choice Freedom Platinum card is?

Hi I got an email today saying I have been approved for a Choice Freedom Platinum card, what is it?

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

Can my partner use our property to make a loan without my consent?

I co-own a property with my business partner in Seattle, WA. The property is titled under our individual names. I found that my business partner has used our house as collateral for a loan after the house was sold last month. And the title company has used all the proceeds to pay the loan. My question is: Is the Deed of Trust (loan) valid without my signature on it? Can the proceeds be used to repay the loan even if I didn’t agree with it? Is it title company’s fault by not clearing the records on my house? If I can claim against the title company and my business partner in this case? Thank you!


Would i qualify for a small personal loan?

i am a student needing a very small personal loan (under 1000). i have a 646 credit score. i am new to credit and have one credit card. my balance varies (it usually is high, but in recent months i’ve not used it as much), but it is paid off in full at least three weeks before it is due. i don’t have a car (working toward that!) but i do have a cell bill (not sure if that counts toward credit or not) that is also paid off in full much sooner than it is due each month. i have had my credit card since january. would i have any luck applying for a small loan of ~$920? all my outstanding debt is paid off and i have no loans or other credit lines save for my card.


Has anyone had any credit repair experience with Lexington Law or Ovation Law,?

if so, what was your experience good or bad and why?


Where can i go online to check my credit score without having a credit card?

i also want a place to check my credit and notes on how to fix my credit quickly?

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


Can I use my household income on an individual auto loan?

I’m married, but if I apply for a car loan in my name, do they only use my income, or will they use Household Income? OR would we need to do a joint auto loan in order to qualify with both of our incomes?


How do i get a FREE credit report that doesn’t hurt my credit for checking?

help!!!! how does this work?!


Anyone know anything about BIG payday loan company?

Has anyone had anything to do with BIG payday loan company? If you did, how did you get to talk to someone about your account? I think they are a bad company. Does anyone else feel like this?


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?


Is a walmart credit card a good stepping stone to getting a regular credit card?

Hi, My husband are trying to build our credit score, we’ve always paid all of our bills on time and he has a good paying job (three years) we have no debts and 4,000 in savings and we were approved at wamu(our bank) but then a few weeks later we got a letter saying they could not offer us credit because lack of credit. we recently got our credit report and there isn’t anything on it really. (I thought our rent and bills and cell counted for something!) well anyways, would walmart give us a card? do they report to the credit agencies? any other ideas? any help is greatly appreciated!


Who still does ITIN home loans?


How long after a foreclosure/bankruptcy can you buy another house?

How long after a foreclosure can you buy a house? A realtor told me people buy a house a year after a foreclosure. Is this true? I have lived in apartments for 3 years with no late payments (good rental history). Unfortunately I made a critical mistake (call it being young and dumb). I bought a house when I was 21 and decided that it was too much for me. Instead of selling it, I turn my house over to my parents who are landlords for other properties in the area(they were to keep all the profits when if they/I decided to sale it). To make a long story short, they ended up losing their business and are now stuggling themselves. So they let my house go under without telling me and now it’s on my credit listed as a foreclosure (I found out 6 months after the fact). 🙁 I’m debating on rather to bankrupt or not… I want another chance at home ownership (now that I am older and more responsible). What should I do? How long before I will be able to buy again?


I am 25 with 25,000 in medical debt. Should I file bankruptcy?

I am married. My husband and I are both college students. We don’t have any credit card debt, but we only make 18,000 a year. He still has 3 years and I still have 4. His credit is just now getting good. All of this is on mine. We have gotten all of our other creditors paid off, but we feel like we have no choice.


Where can i go online to check my credit score without having a credit card?

i also want a place to check my credit and notes on how to fix my credit quickly?

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


How long for a USDA home loan to get final review and approval?

We’ve gone through all the hoops, pre-approval letter, signed some papers, gave the lenders everything they needed to get our file together, and got final approval from the underwriter. Now the lenders sent me an email saying they have sent everything to the USDA office and they have acknowledged they received it and it’s waiting to be reviewed. How long does this generally take? And has anyone ever been denied?


Is this legal can they do this on a personal loan /auto loan from citi finance Serious answers only please?

I have been making monthly payments but payments are sometimes late but they do get paid. When I opened the account in August 2007 I borrowed $10,000.00 (payments are 337.96 monthly) and about six months ago I started watching my statements and receipts and the balance (11,343.66) was not changing not even 0.01 of a change it has remained the same. Well I called them today to find out why there has been no change to the balance at all and they told me that every time my payment is late that they just take the payment amount of $337.96 for it being late and that none is applied to the principle or interest. I do not believe that this is fair/legal practice myself can someone tell me if this is legal or if not legal what can i do and serious replies only please


Can I significantly raise my credit score by correcting a error?

My husband and I have never, ever claimed bankruptcy. We are wanting to purchase a new home and after pulling our credit reports we discovered that a bankruptcy is listed in his name (he has a very common name) from 6 years ago. We have disputed it and are waiting the 30 days for it to clear. (He contacted the court house listed and after running his SSN, she agreed there is no record.) So here’s my question: when the bankruptcy drops from his report, will it affect his credit score? If so, does anyone have just a rough estimate of how much it may go up?


Capital one charge off, payments agreed, still showing as past due.?

During a separation, my wife stopped paying the C one CC. They sent it to charge off”. Here is the problem. I called up after finding out after 17 years of good credit with this card


Can The Irs Take My Car If I’m The Co Buyer? Buy The Buyer Owes The IRs.?

Ok so me and my father have a car loan together, i pay the loan monthy and have prove i pay the car payments. he is the primary buyer of the car and im the co buyer of the car. He has some tax troubles and the irs may start repoing things. My question is can the IRS take the car. Mind you we still owe on it and i have never missed or been late on one payment. Also, I have things in his house that belong to me and have receipts for some of the items but not all. can they take those items also?


If you get sued for being a cosigner on an auto loan the primary defaulted how long till it falls off credit?

i was never notified of anything to do with this loan until i got the notice of being sued


Are there any payday loans that give money themselves and don’t have special offers”?”

I am looking for a short term loan and am getting very frustrated with filling out application after application for lenders. Once I fill out the application for these lenders they send me to more lenders. And what is is the deal with the special offers”? All I want is a short term personal loan. Can anyone help me? And are there any ones out there that a person can call?”


Does the personal info on your credit report effect your chance of a auto loan?

The personal info like at the top of the credit report itself, there is your name, address, place of residence, and where you work. I checked mine and all 3 credit bureau’s have different info. One has my first job I ever had as my job I work at now but I havent worked there over 5 years, and they have my home info as living with my mom but I have never lived where she moved to, and anther is showing I live with my wifes family. Is this something I need to change since I am going to be trying to get a new car loan? Also does that incorrect info affect my credit scoring?

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


Is it safe to click on these free credit report internet offers? What about 3?


Can anyone find the names of the other 2 guy in the free credit report cmmercial the blond is hot?


$10-15K auto loan in Toronto: what would be the approx. monthly payment?

Hello all. If I take an auto loan in Toronto, Ontario, Canada of $10K what would the monthly premium come down to (approx.)? Assume an average tenure (the tenure most people take auto loans for). And what would it be like if the loan was $15K? I don’t have a long credit history in Canada (although I do have credit cards) and this is my first time taking a loan. So I assume that interest rates would be on the higher side. Rates of course would vary from institution to institution – I am just looking for a rough estimate. Thanks.


Co-signing an auto loan?

Hey guys. I would appreciate anyone’s help regarding a bind I’m in. I’m switching jobs and have to turn in my company vehicle. Therefore, I need to purchase a car. I went through a messy divorce a couple years ago and my ex really hurt my credit by charging up cards, taking them out in my name, etc. Long story short, my credit is suffering. I had to pay a lot of money to close accounts, etc to divorce. I’m trying to get a car and the dealership is having problems getting me financed. I think I probably could get a loan somewhere, but the interest rate would be through the roof. I make good money and my new job would have a base of 60k. The business manager at the dealership asked if I could get a co-signer. My dad is retired and has great credit. My parents are looking to move south and buy a new place. If he co-signs, will this loan on his record impact his financing, future purchases, etc? I just don’t want to burden him. The car is $15,450. Thanks for your help. Jon



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

Credit score at 559! Doomed for home loan??

Okay for all of you that dont believe me, thats fine doesnt really hurt me because I know the truth. We met with a credit couselor and she looked everything up for him. There are 3 inquiries that we filled out. But the rest are from his info being sold. And no I dont work, and I have no credit because, I am not quite sure. I have had all my bills and my car, in my name for 3 years but for some reason nothing is on it.


Where can i go online to check my credit score without having a credit card?

i also want a place to check my credit and notes on how to fix my credit quickly?


Do you know personal loan agencies?

I have not so good credit but need a personal loan. Do anyone know of any agencies in the U. S?


Why is a residential status important to the credit card company?

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


Can I pay my Discover card bill with another credit card?

I am trying to spend a high amount of money on a different credit card to get a reward thing, so I would like to pay my Discover bill with a different card. However, I only see the option to pay my Discover bill through a bank account. Am I missing something? Is it possible to pay my bill with a credit card? Thanks!


How much should my pmi be on a 240,000 house?

Also, does anyone know a ballpark for homeowners insurance also?


Is $7,000 bank loan alot of money ?

My mom is trying to get me a car, our house is paid off in full, and so is my moms car. Shes been working for the post office for 25 years, she has pretty good credit. do u think she will get it ? what determines it. She went to her bank for the loan. ANd is 7,000 a lot for a loan.


Im 16 years old, turning 17 soon, and I need an auto loan, where is the best place to get one?

hahahaha i love it how these nigerians try to loan shark with me. nice one, mr shitwater” and i like your email


Do I qualify for Bankruptcy?

I was in a bad Accident over a year ago. I over over $200,000 in Medical bills. I was forced to resign from my job and I have no income right now.


How to File for Bankruptcy?

I am in debt for $20k and I dont have the money to pay it. How do I file for Bankruptcy and when I do, what happens?


Did someone steal my Identity?

Recently I tried to open a new bank account and some of the security questions asked that I verify where I opened an auto loan and mortgage. Says they were opened 2004 and 2005. I never did EITHER!!! I tried to do a credit report to see what was opened under my name and Eqifax’s site asked me to verify the same information. I was unable to do a credit report because of it. I tried Trans union and it asked me to verify a bank account number that I dont even have. These websites claiming free credit reports also ask for a credit card number which I dont have. I’m lost, I dont know what to do. I cannot open a bank account. I cannot apply for a credit card. How can I clear my name?? How can I find out my credit history when half these websites are asking me information I do not have?


Auto loan for people with no credit history?

I have no credit history, have a brand new SSN, what all options do i have who will grant me auto loan


Income tax deduction for house maintenance?

Hi, My father is a retiree and only source of income is interest from FD, he has a house in his name in which he currently resides. Can he claim tax deduction for house maintenance, if yes how much

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


Urgent plz! Applying online for the Tier4 student Visa to the UK before having the bank statement, possible?

I am a Moroccan resident in Italy and I want a Tier4 Student visa for the UK; the courses I want to attend start on September 24 and I am afraid I will be given the meeting for the visa too late. The rules state: “A Tier 4 (General) student must show that he/she has held the required money for a consecutive 28 day period (finishing on the date of the closing balance) ending no more than 1 month before his/her application. “ I want to make sure I have an early meeting date in the Visa Application Centre and I have a doubt: The rule means that the application cannot be done more than one month after the 28 days period ending date BUT it does not mean that the application cannot be done before the 28 days period ending date. CORRECT? SO provided that 1) I already have the money in the bank from 5 days, 2) I am sure the money will stay where it is and 3) I will have the correct bank statement on the day of the meeting, CAN I DO THE APPLICATION NOW (BEFORE THE 28 DAYS PERIOD ENDING DATE)? Please help me to figure out how to solve this puzzle. I will be grateful to hear your advice and opinions. Thank you in advance.


Where can i go online to check my credit score without having a credit card?

i also want a place to check my credit and notes on how to fix my credit quickly?


Is credit scores of 544, 503 and 494 consider?

to low for a home equity loan.


Which bank we should contact for debt consolidation loan?

we have 3 credit cards with 15K debt and paying average 15% APR …and we think we should try for debt consolidation personal loan which doesn’t require any collateral or home equity…so based on experience can you please suggest which bank we should contact for such loan?


Could I get a debit card with a bad credit history?

I have a basic account, so can’t pay my bills online or via phone and it gets on my nerves.


Euro Pro x sewing machines… do they suck?

I got a Euro Pro X model 372h sewing machine. It seems like it really sucks. It only works with the straight stitch… thinking about getting another machine. Is euro pro a good brand or bad brand???


What are the main differences between Chapter 7 and Chapter 13 when filing for bankruptcy?




















































Questions on ordering a new Bank of America debit card?

Questions on ordering a new Bank of America debit card?

I want to order a new debit card replacement because every time I try to buy something with it, it takes like 10 tries for it to finally work. Frustrates me and the cashiers. The thing is, I like the design on my card but when they send a new one, will it look the same, generic, or do I have a choice to change the design? Also I have a picture on it in the corner for ID purposes of me when I was like 15, I hate it, I’m 20 now and look a lot different. Can I get that removed? Lastly, will the expiration date change on my new one to be more current?

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


RELATED:

I got a home depot credit card with a 4500 credit line,is it possible 2 purchase with my card and return for$?

what do they do if i use my card to make purchases and then return it with the reciept.i want to get cash is that possible or do they give it back on the card or store credit.i never go to home depot but i could use the money


Mortgage loan fell through 2 days before closing…HELP!!?

Okay, we got a mortgage loan via Lending Tree well over a month ago, or at least we thought anyway. We close on Friday to sell our current home, and Monday on the new one. Well, yesterday, Lending Tree called for a conference call to verify AGAIN our payment history only this time they want a 90 days late in the last 36 months. Well, we had a 90 day late back in Sept. of 04. Well, NOW 2 days before our home closes, they’re telling us there may be a problem, and that they’ll let us know tomorrow. Well, here’s what we’re gonna have if this disastor plays out. The lady that bought our home is going to be homeless, because she’s already sold her house. The people that we purchased the new home from, their deal is gonna fall through. It’s a terrible domino effect that, in my opinion could of been avoided weeks ago had The Lending Tree been on top of things. Anyone have any ideals or advice…encouragement maybe? I am in dire straights here!!


Need help with a bankruptcy question, and what is the pacer site?

just got papers from an attorney of my ex. It doesn’t really say much on there..except I am a creditor. First off– It doesn’t say what I’m a creditor for (child support?) I have no clue – papers are definately not self explanitory. Does anybody know if I can go to the pacer website and get information of exactly what he’s claiming he owes people.. or is this site only for the ones that actually file for bankruptcy?


Looking for personal installment loans with bad credit?

Please help I am 60yr old and unemployed

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

What would my rate be if….?

My credit is at 702, and I want to refi my auto loan. The loan amount would be $14,000 and my existing rate is 12.75%. What would be an estimate rate I could qualify for?


Is TigerDirect.com a safe site to use my Credit Card?


Closing costs on a 89,000 loan?

Just come to find out a few days before closing my costs have went up from my good faith estimate. All together I’m paying $5000 closing costs, and that’s with no down payment (conventional loan). Does that seem right for a $89,000 loan? Am I being taken to the bank per say? Thanks, Jason


Questions on ordering a new Bank of America debit card?

I want to order a new debit card replacement because every time I try to buy something with it, it takes like 10 tries for it to finally work. Frustrates me and the cashiers. The thing is, I like the design on my card but when they send a new one, will it look the same, generic, or do I have a choice to change the design? Also I have a picture on it in the corner for ID purposes of me when I was like 15, I hate it, I’m 20 now and look a lot different. Can I get that removed? Lastly, will the expiration date change on my new one to be more current?

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


Can I keep my car if I file for bankruptcy?

Im going through a divorce and was just recently made aware of the overwhelming debt that my unemployed husband had racked up in our name over our 10 year relationship. Although he was unemployed for 7 of the 10 years, I had worked hard and bought 1 luxury, a brand new car. I still owe $20,000 on the car, and the payment is within MY budget, but if the debt my husband accumulated is calculated in, then it is not. We are concidering filing for bankruptcy and I’m wondering if I am going to have to give up my car. I understand it is very expensive, but it means a lot to me. Is there anyway that I can keep it if we do file?


How do I calculate the interest rate of a simple lease? (not a car lease)?

I am going to lease a piece of equipment which costs $10,000. The monthly payment is $300 on a 36 month term with $0 down. At the end of the term I will own it outright. What is the interest rate of this lease? (The monthly payment does not include tax)


Can I file bankruptcy?

I owe $10,000 in debt I’m 20 years old and make 22k a year. I was doing fine paying my debts until my mom lost her job and she’s been unemployed for 6 months now she has been looking for a job but can’t seem to find one. I been helping to support her and can’t seem to keep up with my bills anymore I feel like a loser 🙁 I have no money left after I help pay rent, bills and helping my mom is it possible for me file a chapter 7?


Is there a website to file for bankruptcy online that I can do myself? Thank you for any help!?


Is it easier to get a Loan or a Line of Credit?

I’m not too sure of my credit rating, but I don’t think it’s bad.


How and where can I get a small loan with extremely bad credit?

How and where can I get a small loan with extremely bad credit? I need to pay off $15,000 of delinquent bills. But my credit rating is probably less than 500. I don’t know for sure, but it is not good. I need a small loan to pay off my bills. I just want them all consolidated. The VA will not give me a loan, all they can do is co-sign a HOME LOAN, not a small loan for little things. What can I do now?


Is it better to borrow $10K on a auto loan @ 8.25% for 36 mos. or on a home equity line of credit at 10.2%?

I want to buy a car and need a 36-month loan. I have the choice of $10K loan from e-loan at 8.25% or drawing from a home equity line of credit at 10.2%. There are no closing costs on either. I want to know which is the better option in terms of overall cost to me over the 36-month period. Bear in mind that I can deduct the interest on the HELOC but not on the auto loan.


What are the consequences to bankruptcy?? I keep hearing the laws have changed…….?

I have been in debt since I was in High school and its fairly safe to say my plan to get out of debt is not working. I am 28 and I am trying to finish my last 2 years of college but my high debt is making almost impossible since I have to work full time. -My questions are: -How does this affect my current and future student loans? -Do you ever REALLY recover from bankruptcy?? -The consequences? Can someone help me with these questions or point me in the right direction? Thanks,


Questions on ordering a new Bank of America debit card?

I want to order a new debit card replacement because every time I try to buy something with it, it takes like 10 tries for it to finally work. Frustrates me and the cashiers. The thing is, I like the design on my card but when they send a new one, will it look the same, generic, or do I have a choice to change the design? Also I have a picture on it in the corner for ID purposes of me when I was like 15, I hate it, I’m 20 now and look a lot different. Can I get that removed? Lastly, will the expiration date change on my new one to be more current?

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


Is it a good idea to incorporate auto loan into a mortgage?

I have no other debt besides my auto loan for my truck, which is $500/month. I have 4 years left on this loan. I would like to buy my first home this year or the next. My credit score is above 720, there are no negatives on it, and I make $35k/ year. What are my options? Can I ask the mortgage lender to include the truck in with the house payment? Or if I can get approved for one, should I try and get the mortgage without incorporating my truck payment with it? I know the BEST thing to do, would be to pay off my truck first and THEN look for a house, but I don’t want to wait 4 more years to buy a house 🙁


I’m in debt. Whats the best way to get it paid off?

Should I file for bankruptcy because I have too much in debt in comparison with what I actually make because I attend school full time and work full time. It will take forever to pay off. Any solutions?


Best and fast payday loan site?


Looking to buy a house in the next six months or so, bad credit?

How do you go about getting a loan, and from whom, when you have bad credit. My husband and I just just married and will have our first child next month. Does anyone, or has anyone, know how to get a house loan when we both have bad credit? Don’t know our credit score; Does anyone know where to get a free credit report that actually is free and not some sort of fee?


Can i get loan after bankruptcy?


Capital one credit card cash back?

I have had a capital one credit card for around nine months. I have always wondered, when I check out at Walmart, it will ask if I want cash back. If I were to put I want 40 dollars cash back, is this considered a cash advance or does it show on my credit card as just a purchase? Thanks


Who actually sings in the FreeCreditReport.com Commercials?

http://www.youtube.com/watch?v=Ni_7zkytrL0&feature=related I know that the guy Eric Violette is who they make it look like is singing, however there is no way that it is him due to the fact that he is French Candian and when you hear him talk/listen to his songs on Youtube… you can tell it’s not him! Does anybody know who is REALLY singing in those commercials?!?!


Someone please help me!! i need money fast!?

im college student in need of money, i tried loans and it didn’t work and now i have balance in my student account and if i don’t pay it in one week, they will drop me from the class and that will leave me with even more sucky life thn now in future too, i have job but i can’t make enugh money in one week so someone help me please!!!! i hate bugging for money but i have no hope and nobody to help me. please someone help me:(

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


How do I go about getting my credit report online without a credit card?

i dont have a credit card and all the sites requre a credit card


Pending Lawsuit and Pending Bankruptcy?

A friend of mine did a very stupid, stupid thing. He let his auto insurance lapse. He got into an car accident that was his fault. The other driver’s insurance company is threatening a lawsuit for the cost of the accident. The total cost of the car damage and medical bills is over $15,000. The insurance company has not sued him yet. But they are going after him with phone calls and letters and asking him to pay up. My friend is bankrupt and he is going to file bankruptcy. If he files for bankruptcy and this potential civil suit is hanging over him, then what happens to him after his bankruptcy is concluded? If the insurance company waits to sue him after his bankruptcy case is over, then he is on the cuff for that judgment because he can’t file bankruptcy for 7 years. Right?


Why does UAE allow alcohol consumption while Kuwait and Saudi Arabia strictly prohobits it?

no kuwait way more liberal than UAE .. thats what amazes me ..


My husband is filing bankruptcy?

I am not filing. we have a paid for 6 year old car that is titled to myself or my husband. I want to trade it in and get a new car in my name only before he files. can i do that ok?



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

I need a personal loan but have been refused. Can anyone help?

I have three paid defaults from three years ago (under $1500). I need a personal loan of $14000.00. I don’t own a home so i cant give security. Only my car that is worth $8000 and is paid for. But no one will lend it to me. does anyone know where i can go to get a loan considering my bad credit.


Questions on ordering a new Bank of America debit card?

I want to order a new debit card replacement because every time I try to buy something with it, it takes like 10 tries for it to finally work. Frustrates me and the cashiers. The thing is, I like the design on my card but when they send a new one, will it look the same, generic, or do I have a choice to change the design? Also I have a picture on it in the corner for ID purposes of me when I was like 15, I hate it, I’m 20 now and look a lot different. Can I get that removed? Lastly, will the expiration date change on my new one to be more current?


Bankruptcy still active?

What happens when your Bankruptcy was re active after being discharged in 30 days? Bankruptcy was filed 8/2010, discharged 10/26/2010, re active 10/28/2010. Do the courts watch the house to see what is going on?


What is the best credit card for me?

I’m pretty much looking to apply for a credit card for the sole purpose of emergencies and for the use of gas and groceries at times. I don’t travel for work, so I’m not looking for one with mile points or anything. But I’d like to get one with low fees and the lowest APR and interest possible. My credit score is around 700 so I know I’d be eligible for some decent cards. I’m just not sure what would best suit me. I’ve heard Capital One and Discover are decent. But any advice I would really appreciate.

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


Need Loan.. Whare are the Loan sharks in Ohio???

Need a Loan.. Can double payment.. Where are the loan sharks in Ohio???


What is the best free annual credit report on line?


Better to take personal loan or auto loan for used car?

I know when you take an auto loan you are required to have full coverage insurance while you are in payment status until you have paid it off. With a personal loan I believe the interest is higher but you do not have to keep full coverage on the car. Anyone with any experience and can tell me which is the most economical way to go?


How should I handle my auto loan. Pay off or Keep Making Payments?

Is it better to payoff my auto loan now. I owe about 8k$ on it, pay 297$ a month with 7% interest. I have about 41 payments left and started the 60 month loan on 12/03/07. I have the money to pay it off if I need to. Any comments or suggestions. Thanks! Jeep Wrangler 2004.


Where can I find a list of lenders that offer bad credit loans w/o a co-signer?

I am looking for a personal bad credit loan


Will I lose my 1970 Chevy if I file bankruptcy?

I am in the process of filing bankruptcy, I have a 70 Chevy that I have had since I was sixteen, I can not lose it. I have it as collateral on a loan but I dont owe as much on the loan as the truck is worth I owe two thousand less than the truck is worth. Any advice will be very helpfull.


What would be a good credit card to improve my credit?


How can I know if the payday loan company isn’t a scam?


A mortgage company has noted that 6% of its customers pay their mortgage payments beyond the due date.?

a. What is the probability that in a random sample of 150 Costumers, 7 will be late on their mortgage payments? b. what is the probability that in a ranbom sample 150 costumers at least 10 will be late on their mortgabe payments?

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


What are some true bad credit loan agencies. No payday loans or pay to join searches?


Questions on ordering a new Bank of America debit card?

I want to order a new debit card replacement because every time I try to buy something with it, it takes like 10 tries for it to finally work. Frustrates me and the cashiers. The thing is, I like the design on my card but when they send a new one, will it look the same, generic, or do I have a choice to change the design? Also I have a picture on it in the corner for ID purposes of me when I was like 15, I hate it, I’m 20 now and look a lot different. Can I get that removed? Lastly, will the expiration date change on my new one to be more current?


Is there really a free credit report search on-line.?


Will the dealership or I get a refund from the auto loan company?

I recently purchased a car and had a trade in. The dealership, of course, is to pay it off. I asked how long it usually takes. They said that it would take about a month.” That puts my account


How safe is the life in the Philippines for a foreigner?

Well I’ve heard that lots of filipinos think that americans are rich. Which is not true. So would I find people trying to get money from me? or like trying to help me but not in a good intention? Is it safe to go walk around? What should I be careful about? I don’t wanna get robbed or murdered or raped there. lol I’m going there next month but I won’t be alone. So, is it less safe there for americans?


How many points will a secured credit card raise my credit score, provided that I use it responsibly?

As of today, I have a credit score of 575. I have no judgement’s or bankruptcies, no public records” I believe they are called


Accounting Question – journal entry for loan?

I am not sure how to make a journal entry for this. Suzie applies for and obtains a $30,000 low-interest loan from the city council, which has recently passed an initiative encouraging business development related to outdoor activities. The loan is due in three years and 6% annual interest is due each year on July 31.




















































Question about credit card balances?

Question about credit card balances?

Bare with me I’m half awake and couldn’t sleep because I was thinking of the debt I’m in.. I was just wondering where can I get a report of all my credit cards and loan balances online? Thanks so much 🙂

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


RELATED:

Hoew to set up a pay day loan company?

Hi i want to set up a payday loan/small loan company and try and blow these rip off payday loan companies out of the water. ive got plenty of funds and quite good with numbers as im a training accountant. need advise of what ill need i.e ccl etc. Additional Details obviously id credit check and take i direct debit the next pay day this narrows my potential i know. also if i have any default i will just sell the debt and have to live with the loss and write it off against my profits


Where do I get a personal loan with bad credit?

Right now I am almost in foreclosure with my home. I do make enough money to make my payments, but had a miscarriage and some time off work because of depession and got behind on everything. I need a personal loan to catch up on my mortgage. My credit was already bad because of my divorce a few years ago and my credit score is currently in the high 400’s. I have been searching online but of course alot of these websites promise you the world and it never happens. Can anyone help me. I am in need of a loan. Thanks


What bank will approve a car loan for $30,000 with bad credit?

I need a $30,000 car loan so i can get out of my piece of sh** car that I had no choice to get. I want a chance that everyone else has. I see all these nice cars and I am always pushed into getting something without a choice. I do have bad credit cause of some fraud issues on my credit report. I already turned that in to the police and the creditors but nobody will still approve me. Please Help me get out of hell and get into a new car.


Best way to run a background check with No credit card or money?

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

Trying to get an Auto Loan with no credit?

I am 19 I don’t have a credit card, but i was a member for a gym for a year and never missed a payment ,Maybe that can help me? I am planning on buying an 02 S10 for around 7000. I am putting 5000 down and I would need to take a loan for the remaining 2000 plus fees depending on how negotiations go. My cosigner has good credit. I have also held the same part time job for almost 2 years. Do you think it will be difficult for me to get a used auto loan?


When are student loans in the UK wiped clean?

I took a student loan out in 1997 and have been deferring it ever since. I have never paid a penny towards it. When will it be cancelled?


Which is the best and cheapest way to get your credit score and report?

Suggest me the best credit score reporter depending on the uptodate info.


Question about credit card balances?

Bare with me I’m half awake and couldn’t sleep because I was thinking of the debt I’m in.. I was just wondering where can I get a report of all my credit cards and loan balances online? Thanks so much 🙂

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


Is a credit score of 613 good enough for a auto loan?


Does anyone know of any 30 day payday loans on -line?

pay advances,with no faxing


Rough estimate of Health/Dental Insurance Cost of family of four?

I am considering taking a position with a firm that currently does not offer health insurance. I will ofcoarse seek professional help to get a better number, I just wanted to see what sort of range I will be looking at. I live in Texas and both my wife and I are in our late 20s and have two one year olds. Thanks


How do I get concert tickets online without a credit card?

I really seriously want to go to the Robbie Williams concert in December. Tickets go on sale June 6th, I have the money but no credit card. I know tickets will sell very quickly online before I get a chance to go buy them with cash. I dont think anyone I know has a credit card, but I’m not sure and wouldn’t wat to use someone else’s anyway. There’s advance sales for Inner Sanctum members (kinda a fan club thing) and I’m not a member of that coz you need to pay. Um… not sure what other information I need to give here, but can anyone think of a solution?


Why did my credit card company take my 5000 credit limit to 0?

I am 1 month behind on payment, paid last months and this months payment today, will they give my my 5000 credit limit back since I had it last month but do to the missed payment they gave me 0? I paid both payments plus an extra 50 bucks?


Does anyone know of a good payday loan debt settlement company?

I have about $4000 in payday loans and cant pay on them anymore. I need help out of this mess. If anyone can help, please let me know asap!


Is it possible to get a auto loan before I give up a vehicle for voluntary repo? I’m at a 60% pay cut. Thanks!?

I’ve unfortunately fallen on hard times and making 40% of what I used to make is stringing the family budget too tight. I plan on purchasing something in the $4k range but have no idea if I could do this with my current loan on my credit. I need a vehicle to get back and fourth to work and wondered if it was possible to purchase another vehicle before letting this one go back.


Can waiters cut the credit card ?

I’ve seen it on sitcoms, waiters cut the credit card with scissors when It gets denied. Are they really entitled to do that upon denial or its just TV ?


Question about credit card balances?

Bare with me I’m half awake and couldn’t sleep because I was thinking of the debt I’m in.. I was just wondering where can I get a report of all my credit cards and loan balances online? Thanks so much 🙂

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


Question regarding bankruptcy and foreclosure?

I have confirmed this with my attorney, but since I won’t be getting a second opinion from another attorney, I wanted to ask for public opinion here: I recently moved to a new state, and in my former state, I have a house which was recently foreclosed upon. The foreclosure sale occured a month ago, but the property was actually bought back by the lender, for approximately $35k less than our mortgage balance. The state the home was in was a state where the lender can come after the borrower for the deficiency. When I asked the lender about this, they said the deficiency amount has not yet been determined because they themselves have not yet sold the property. They did confirm they will not discharge teh deficiency, that it will remain an active balance owed, but whether they would legally come after me or not was uncertain. So now, my question. If I file bankruptcy, as I intend to in the upcoming week, will I be protected from any future deficiency determined by the lender, even if they don’t sell the property for another year or two? I feel relatively sure that the answer is yes, but again I ask for popular opinion because my attorney is in my current state and is not familiar with laws of the former state. But my understanding is that irregardless of the state laws or the date they determine a deficiency, I would be protected and this balance will be discharged under the federal guidelines of chapter 7 bankruptcy. This means, that if I file now, and two years from now the lender says I have a deficiency of $40k, they can not come after me for it, it would be discharged from the bankruptcy. Thoughts?


What do you need to know when your a first time home buyer?


How do I start a business without starring on Shark Tank?


What is a Secured Loan?

http://www.dm-loans.co.uk/Loans/article/index.html


Just got my first credit card and i just have a question about the APR rate 21.24?

well my new student credit card has an APR of 21.24 for purchases and 24.90 for cash advance is this good or bad? and my cash limit is $300 so lets say i spend $200 of that how much would i have to pay back each month? and when building credit lets say i spend $200 and my minimum to pay every month happens to be $20 would it be better to pay the minimum or pay back everything you spent right away?


Where can I find a 4+ story cashbot building in toontown?

I have a toontask where I need to defeat 3 4+ story cashbot buildings anywhere in order to gain teleportation access to the brrrgh. I’ve searched baritone boulevard, seaweed street, and sleet street but I can only find 3-story cog buildings. what street should I look for 4+ story cog buildings on. I have 64 laff points and have up to the hose in squirt gags, up to the birthday cake in throw gags, up to the safe in drop gags, up to the trumpet in sound gags, and up to the lipstick in toon-up if that helps


Car wrapping, is it legit?

I need money this upcoming Fall Semester, and I’ve heard that some companies will pay you money to have your car wrapped with their advertisements. I’ve also heard that it’s a huge scam. Does anyone have any insights or know where to go to apply for this sort of thing? Thanks.


Is A mastercard a third party credit card?

Im wanting to get a hotel and my parents said they would pay. So i called the guy and he said its fine if they use there card, but they have to fax information if its a third party credit card

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


Credit Report help..what does good standing mean?

Ok so I got a free credit report but I do not understand…it was provided by my school..i have two things that I need to take care of and pay them…but there were other ten that said i was on good standing..so what does this mean?


Becoming debt free – rising credit score?

I’m currently in the process of paying off all of my debt in a matter of 7 months. All of this debt is from credit cards – none of which are or have ever been delinquent. All are in good standing. My current score is 567. After these 7 months, I will only have my car loan left. In your opinion, how long will it take my credit score to go up? Will my score drastically change?


Need auto loan with bad credit!!!!!!?

What is a good auto loan place online that accepts bad credit? My score is only 408 due to my divorce.


What’s a really good Yaoi anime series to watch?

I’ve already seen KirePapa, Junjou Romantica, and Papa to Kiss in the Dark. I need one to watch that doesn’t have too many episodes but has lots of… action ;D Please only rec. the best in your opinion.



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Chittenden bank auto loan?

anyone have chittenden bank,if so how come they don’t send you a letter saying your monthly car loan is due. Also where do you check your auto loan balance on their website


Question about credit card balances?

Bare with me I’m half awake and couldn’t sleep because I was thinking of the debt I’m in.. I was just wondering where can I get a report of all my credit cards and loan balances online? Thanks so much 🙂


How hard is it to get a mortgage loan these days?

My bf is trying to purchase this house from his grandpa for $60,000. He just bought a car which I co-signed (they made me the main buyer cuz my credit was better so I’m not sure if that auto loan affects him too). His credit score is around maybe 650, makes about $1800 a month, and has about $2600 in credit card debt. How likely is he to get approved? Does the auto loan affect his credit too? Would he need me to get approved ffor this mortgage? My credit the last time I checked was 727, I make about $2200 a month, and have $600 credit card debt plus the car we bought was $23,000.


Information needed on taking out an auto loan. (please help)?

I have applied for many auto loans. I was denied by all because of an old medical bill that shows up on my credit report. My question is, If I start to make payments to that bill, how fast would I be able to take out an auto loan? After its completley paid off? or can I as soon as I start paying, or which is better. Also I am buying from a personal sale, not a dealership, would a bank even help me? because if i went through a dealership I would have no use for a bank in the first place.

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Please help math interest question which option is best? 10 points!?

Maria is buying a new hybrid bicycle for commuting to work. She has three payment options. Option 1: Pay cash. The bicycle costs $895.99 plus 12% tax. Option 2: Use the store’s payment plan of 6 monthly payments of $190.00 (including tax). Option 3: Pay using a cash advance on her credit card. She would be charged interest at an annual rate of 19.5%, and she expects that it would take her 15 days to pay her credit card balance. Calculate the cost of the bicycle using each of the payment options. Which option would you recommend Maria choose?


I can’t get an auto loan?

I’m 18 (female) and while my credit score is very good, it is also very new. I’m trying to get a Honda Rebel ’09 priced at $3,399. Honda won’t finance me because I make less than $1,000/mo and BB&T also declined me unless I have a co-sign. I can’t get someone to co-sign for me, so is there anywhere else where I would be able to get a loan?


Where can i find the best credit cards?

Low rates and no annual fees


Should or CAN I combine my Mortgage loan with my home equity loan (Refiance together)?

In 2006 I purchased a home for $109,000, I took out a mortgage for $87,200 at 6.75% (30 years fixed) and a home equity for $10,700 at 8.74% (20 years fixed) and put down $10,000. I did this so I could avoid PMI which I did. But now I want to refinance since my rate is ridiculously high. Can I combine these two loans now, currently at $83,000 and $8100 = $91,100 combined? At my local credit union the rate they show is 5.185 % (at HSBC now). Gonna live here for at least 6 more years maybe more until my parents sell their home. Gonna talk to them but just wanted some insight before I went. To throw something else in I just won $12,000 and was thinking of just paying off the Equity loan but wasn’t sure if I should invest it instead? Was gonna open a roth IRA for a retirement fund maybe with $3000 of it since I’m in my low 30’s..


I want to rent a flat but I have a bad credit rating and CCJs…?

Me and my friend who are both in jobs want to share a flat but the letting agency say they will do a credit check on us. My friend’s credit history is good but mine isn’t! I really don’t want to tick the box on the form saying I have bad credit as my friend doesn’t know about that! I can pay the deposit and a month’s rent upfront easy. Would it be possible for us to get the flat??


On the deed, but not the mortgage?

The boyfriend and I have a wedding date set for October of next year. I guess I should call him my fiance”


What should be the minimum salary per annum to apply a home loan for 30 lakhs?

I want to own a home. my current salary is 1.68 lakhs per annum.It ll definitely increase.I just want to know what will be the minimum salary to apply a home loan for 30lakhs.


What are pro’s, con’s and differences between getting an auto loan or financing on a used car?

I wonder because I really wanna get a car very shortly, but i know financing requires down payment, but then i thought, if i get a loan, am i able to get that used car without paying a down payment and start paying on a installment right away.


Recently filed chapter 7, what happens if I get a substantial raise at work?

I filed Chapter 7 Bankruptcy on August 27th, my meeting with the creditors was on September 30th. There is a chance I will be getting a promotion at work with a substantial raise some time in the next month. My attorney told me any changes like this within 6 months would mean we would have to go back in front of a trustee, but most of what i’m reading says the bankruptcy will likely be discharged on day 61 after the meeting of the creditors. So basically I just don’t know if a discharge means i’m in the clear or not I guess.

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What is the average monthly mortgage payment on a $65,000 condo?

I’m looking to make my 1st home purchase a 1 bedroom 1bath condo in CT. Credit is ok high six hundreds.


Question about credit card balances?

Bare with me I’m half awake and couldn’t sleep because I was thinking of the debt I’m in.. I was just wondering where can I get a report of all my credit cards and loan balances online? Thanks so much 🙂


I have a few payday loans out and i really cant afford to pay them back right now what should i do?


How to stop a credit card payment through paypal?

i was looking to see if i had enough money in my paypal account to buy something, but it automatically paid for it through the credit card linked to my account. i didnt aurtoise it to do this. is there any way ican stop this payment going through as the credit card is used for bills


18 yr old no credit need personal loan?

I just turned eighteen years old. I need a personal loan so that I can fix my car. What is the best place to get a cheap $500 loan? I’m going to take the money, fix the car, and then the rest of the money will go back to paying off the rest of the loan. I’m also going to get a job to pay off what I need to. I pretty much have a job waiting for me so it will not be hard to pay back the loan. My parents won’t co-sign for me so what would be the best way to get a loan with the lowest interest rate possible?


Is there anywhere I can Truly check my credit score for free?

I don’t like those web sites where you have to pay after so many days I just want the opertunity to check my credit score with no hidden adgendas.


Does it make any sense to file chapter 7 bankruptcy if I am considered judgment proof. live on soc. sec. dis?

I have approx $25,000 in unsecured debt. I signed up withdebt mgmt co. and made 1 pmt and realized I couldnt keep up with pmts and it didnt make any sense, being that I could work out pmts with creditors on my own if I had the ability to pay which I do not. I have sent letters to all my creditors asking them to cease and desist with harassing phone calls. If I had the ability I would of course pay these debts off. I have tried to avoid bankruptcy thinking that I may somehow be able to find some type of work or income opportunity which would allow me to pay debts back.I have only wasted money on things I have tried. My question now to myself is perhaps it would be better to file bankruptcy and get these debts behind me also in the belief it would increase my credit score rather than take the chance of having to go to court and defend myself against any judgements that creditors might decide to do. What wud look best rgds my credit profile.Wud creditors even pursue in my case.




















































How do i get a payday loan on my moneynetwork card.?

How do i get a payday loan on my moneynetwork card.?

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RELATED:

Is it possible to pay your auto loan half every two weeks instead of once a month?

it would be easier for me to pay 200.00 every two weeks instead of 400.00 once a month,


Chapter 7 Bankruptcy Discharged-Deed in Lieu Good Idea?

Our house was included in our Chapter 7 Bankruptcy which is now discharged. We have moved and are now renting so we don’t mind surrendering the property now. Unfortunately, our bankruptcy attorney was not very social so we are a bit confused. We understand that the foreclosure process continues after the discharge (we do not have the money to pay for arrears or late fees incurred). Right now, the bank has taken civil action against us to pursue attorney fees, costs, and re-establishment of lost note. What does this mean? We also contacted them to let them know that we wish to surrender the property and they informed us that we must complete a deed in lieu. I looked it up online to find out what it is and I have a small clue now. I found out that there are taxes and deficiency that may result from this. How does that work? Does bankruptcy protect us from any of this? Is there a website where we can consult an attorney for free? Thanks in advance for any assistance you have to offer.


Can a person file for bankruptcy if she owes the IRS money?


Where can i find a credit report without using a credit card?

in canada please

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What are some legit payday loan places online?

are there any legit payday loan places that will do a transfer to your bank account all online and put the money into my account today… i also live in canada.


How long does it take for a mortgage decision to be made?

Thanks guys for your answers. Im talking about the process of the bank deciding if your a suitable candidate to loan the mortgage to ?


How can I get a small personal loan with a past bankruptcy?


How do i get a payday loan on my moneynetwork card.?

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


Payday loans?

Does anyone know of a payday loan source that does not do credit or teletrax checks. That works with savings account. I need 400.00 until 7/25/08


Savings account interest is 1.25% is it typical?

Hi, I’m 16 years old and I opened up my joint checking account and savings account with TCF bank today. I am a HUGE fan of saving money for college. Yesterday I had split my $320 into my 2 accounts a checking account with $300 and $20 into my savings account at 1.25% annual interest rate. The savings account was free with no annual fees up until im 18. 1) So, the question is it a good start by puting $20 into my checking account with 1.25% annual interest rate? and will my TCF savings account do any good for me on the long run? 2) And how much $$$ should I put in my savings account and checking account on my next pay check? ($280) I am 16 year old male living in Minnesota if anyone asks…


Someone stole my Debit Card information! HELP!?

I went to the mall today and spent 100 with my debit card in 3 different stores. I check my bank account online daily to verify the transactions and make sure I stay on budget. Tonight when I did that I almost dropped dead when I saw 3 pending charges in my account for a total of $1000!!!! I have the receipts of the small purchases I made and of course I did not authorized those purchases…they were actually made in a store at a different mall…a store where I have never bought anything at all! I called the number on my debit card a told the representative that someone stole my card number and were making purchases and she cancelled the card and told me to talk to my bank. I couldn’t talk to the bank because they were close. I’m going to go tomorrow with all my receipts and tell them what happened…the transactions appear pending….do you think the bank can stop those payments and secure my money? I’m really scared…that’s my rent and my electricity payment…I’m going crazy here!


I’ve been trying to apply for a payday loan for bad credit people?

Everytime I try to apply for a bad credit loan I am always denied. My credit score is 585. I have a full time job working about 50-60 hrs a week. I am willing to pay it back. All I need is 300. Can anyone answer this?


What Is A Payday Loan Or Cash Advance Loan?

Can any1 explain it to me?


What’s the best online payday loan?


If you just purchased a vehicle less than a month ago can you still file chapter 13 bankruptcy on it?


I have a personal loan with a bank, can I ask for more money (not much) and add it to this existing loan?


How do i get a payday loan on my moneynetwork card.?

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


Why can’t we view our credit score without paying? for that matter, …?

Also, i personally do not think that it is fair that this information is collected from us but we are not allowed to see it unless we pay. and to whoever answered about the medical and criminal history, I’ve moved probably 4 states away. They won’t do this on the phone and there is no online access (medical) as for criminal, i want to know what people see when they do a background check on me.


Where is a good place to get a loan?

I am looking for somewhere online or close to the houston area in texas to get a loan. I am looking to get a $1000.00 for a lawyer. I do have bad credit so many places here won’t help me. I have seen places that can do bad credit but they are payday loans or 30 days loans and I don’t want that. I want to get a loan that I can make payments on. Because I would be able to afford a payment plan then the other ones. can someone help me please?


Is this on my credit, or not?

Back in 2008, I just turned 18 and I was being young a dumb and decided to move out. Of course I ended up in a bad situation with my ex roommate, and I moved out like 2 and a half months if that, after I first moved in. Then months later I get a letter from a collection agency for $1,2XX dollars. I ignored the letters and never paid it off. Last year when I was trying to buy a car, that prevented me from getting a loan but eventually, I was able to get financed and I got the car I wanted with a pretty good interest rate. Now, I am trying to move out again (with no roommate) I’m wondering if landlords use a different data base to check rental history. When I check my credit, the collection isn’t there. It used to be there but I’m not sure where it went. I’m pretty sure my ex roommate didn’t pay it off, but it appears to be gone. I’m sure there is a record of it some where but I’m not sure where. Also, when I check my previous addresses, only my parents address shows. I’m filling out my application for the apartment and I’m not sure if I should put down that address or not. I want to be honest, but if it isn’t on my credit then they see a wrote it down anyway and call my previous landlord, then I don’t want to prevent myself from not getting the apartment.


How much does your credit improve when bankruptcy falls off credit report?


How are my chances of getting an auto loan?

well, gonna take my chances. With a credit score of 630. 🙁 No one I know has a good credit score. Thats why I’m trying to make mine look better.


Neighbor ran away from bankruptcy?

police came and took everything out of their house. and no one is there. is it ok to take some of their items from their home??


Is this website legit or are they just trying to scam people out of there money?

here is the link to the site: http://www.jormoo.com/index.php


My deceased father has a reverse mortgage -?

his estate has enough assets to pay the mortgage. I am executor and sole heir, my mother passed away a number of years ago. Does the mortgage have to be paid off by the estate assests, if i am unable to sell the house? Or does the mortgage company only get paid if they foreclose. In other words – can the mortgage company claim his assests for payment?

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Finance math problem help?

Fred purchased a boat for $8,645. He made a down payment of $775. He applied for a six-year installment loan with an interest rate of 11.4% in the amount of $7,870. What is the total cost of the boat after six years?


What is CHAPTER 11 BANKRUPTCY (Petition)?


Auto Loan Co-Sign Question?

When I was a dumb 18 year old I had a couple of credit cards that i messed up, as a result my credit rating isn’t very good. I am now an older and wiser 21 year old who has finally taken responsibility for his life and I am looking for a cheap mode of transportation. I have come to the conclusion that a beginner motorcycle(ninja 250r) is the best choice for me. Low cost and 61mpg. I went to the dealership today to try and figure out how much of a down payment I would need to make and the salesman said the minimum is 500$. But bad credit needs to pay the full price up front, no financing offered (which I respect). My question is this – If I get my parents to co-sign the deal would that act as a sort of boost to my credit with the dealership? Would I be qualified for a decent interest rate and a 500$ down payment? My parents have great credit scores. Thanks in advance!


Bankruptcy and car loan?

I cosigned a car loan for my sister in 2005. I just recently found out she has filed bankruptcy. I called the finance comp. and asked them what are my options and if this will be reported on my credit report. I was told they sent her a letter to reaffirm the loan at a lower interest rate, and they will remove all the late payments all she have to do is sign the paper. She tells me she is not sure she wants to do that. If she does not do that I can take over the payments and take the car, but the payments are $583 a month. they are willing to settle for $370. a month. what options do I have. if she does not sign and I take over the car payment at the original contract rate of $583. I would also have to pay the past due amounts of $4005. can I sue her for that money as well as any payments i made because she kept falling behind?



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Does anyone has experiences with Global Student Loan Corporation ?

Hey , I’m an international student and I want to study in the states next summer. I was looking for ways to pay my tuition and all the other bills…. Then I saw the site from Global Student Loan Corporation , and as an international student I do not need a co-signer. What do you think ? Is this a safe opportunity to pay the bills ? I would be very happy if someone could give me some advice. Thanks in advance, J.Z


How do i get a payday loan on my moneynetwork card.?


I need about $300-400 by tomorrow. are there any loan sites i could visit to get this?


Do i qualify for an auto loan?

Hi i just wanted to know if any knows if i will qualify for an auto loan? I am 21 yrs old. I recently ended my year lease of $500 per month from the apartment and my credit card is up to $550 out of the $600 limit, but like i said no more lease so that is easy to pay off. I’ve had my job for two years now and live in the same general location. My expenses including the minimum payment of the credit card is around $155/ per month; that is including gas.I bring home about $800 per month and my credit score is 692 the last time i checked. I am also willing to trade in my vehicle for around $1000 which kelly blue book appraised for $1,400. so if anyone knows the answer please help. thanks

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


My credit score is 630, what auto loan rate should I get?

In California. I know there are other factors, I’m looking for a general range. Expert, experienced advice desired, I know how to use search engines.


Which banks do cash advance for mastercard and must you bank there to get it ?

meant actual bank names and my bank only does visa so its not any bank you can get one


What is the sales tax rate for firewood in new york state ?

i live in new york and sell firewood, do I need to collect sales tax


Can anyone tell me?

How i can check my credit score online for free?


Reputable used auto loans for no credit?

Well I have tried both my banks and was denied. Even Captiol one didn’t accept me which burns me up because I hold a card with them and pay my card off early everytime.. I really don’t want to use a finance site that works with poor credit and no credit because they generally are scams and I’m a cautious person. However times are rough and I need a vehicle soon because mine is on it’s last leg. I so make enough to cover to amount I need. All I need is a 3000 loan but I cant find a place that offers a small loan like that. any suggestions?


Get an auto loan approval after a year?

I’ve just came to america as a permanent resident to live. I wanted to buy a new car, but without anyone to cosign for a car, i chose the option of leasing the car first. In the Lease agreement, the period is 3 years, after 3 years, i will buy the car. The concern comes into my mind that i had put $5000 for that leased car, heard of many tragic stories, i am afraid that even after 3 years and even i would buy the car, the dealer will stilltry to take my $5000 away (?) I will try to pay the monthly payment for the least car for the first year on time, then i will go to credit union, apply for an auto loan, then bring the approval and their check to the dealer,pay off the car to avoid the risk of loosing my $5000 I mean, is this possible? i made $2000 a month and pay $300 rent. Anyone think it is possible to get an approval after a year with that?


Whats a good consolidation loan company?

i already have one but my bills got out control again..i was looking for another one but i dont know where to go and i know the credit union that a borrowed from wont let me do it again..


Does anyone know of a loan shark in the Washington DC area?

I am a Single Mother in need of a few thousand dollars to get me out of a bad situation that has come about from getting laid off and not finding work for months. I will pay a ridiculous interest amount, or whatever you would require, i just need the funds within the next couple days before I am evicted and my car is reposesed. If anyone knows of anyone please email me at momneli@yahoo.com, and please no scammers, I know all the tricks now so you will be just wasting both of our time! Please contact me if you have any information, I will be very grateful. Thank You


How many points will a secured credit card raise my credit score, provided that I use it responsibly?

As of today, I have a credit score of 575. I have no judgement’s or bankruptcies, no public records” I believe they are called

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


What are the best student loan consolidation options?

I have some $50K in student loan debt, which is defaulted, and in Colorado and New Mexico, across several loans. What are my options as far as consolidation goes? Are there non-profits that could help the interest stop? Will I be eligible while they are in default or do I need to get them out of default first? The current asking payment rates on my loans total about 40% of my income and are not feasible at this time. Specific names and websites of agencies that can provide assistance would be appreciated.


How do i get a payday loan on my moneynetwork card.?


Would every bank account you have ever had appear on your credit score rating?

I have two accounts I have used for the whole of my life (mortgages, credit cards, etc) However when I was 15 I opened a braclays account to get free cinema tickets This was at an address I only lived at for a few months and is not in anyway associated with where my other mortgages, loans, cards etc are kept Will this appear on my credit rating? How thorough are they?


How could the military help me buy a new car?

im looking to buy a new car. im in the army national guard and i was wondering how that could help me buy a new car? is there any benefits that i could use to help me out? im thinking about using USAA Auto loan… is there any car dealerships that give discounts to the military?


How to persude customer to buy a Sears credit card?

im going to be working as a cashier sson at Sears, just hired. but they really is pushing us cashiers to sell those cards…. How to do it the right way?


My home loan is funded, why can’t I get the keys?

Sorry, I mean the sellers (the bank we bought it from) have their money. Although we have not asked him to do this, what would the consequences be if our realtor let us in over the weekend to paint? We live in California.


Where can i view my credit history online for free?




















































What stores accept best buy credit card?

What stores accept best buy credit card?

there sold out on an item i want i was wandering what other stores accept best buy credit card

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


RELATED:

What can i expect to lose if we file Chapter 7 Bankruptcy?

my wife an i are going in to see a bankruptcy lawyer next thursday. we have two cars 10 years old and are still paying on one we got last year. the other is paided off. we owe about 60,000 on credit cards and hospital bills and school loans. she was caught in a down sizing and i was put on ssi because of medical problems. we do have a mortage on our house. what can we expect to lose if we file for bankruptcy. how much will they take inside the house and if they will take one or both of our cars and even the house. this is very scary cause its was all good until i started having too many surgery and she lost her 16+ an hr job and now has to take a 10 hr. myself was put on SSI for good.


How does a retail credit card (best buy) affect credit score?

I am thinking about opening a best buy credit card to buy some school stuff I need. I have a steady income and could pay it off in about 2 months easily. I also know that retail cards like the best buy card can’t have any positive impact on your score, but they can have negative impact if you don’t pay off your balance. What I’d like to know is if I open the card, buy my stuff, pay it off in a month or two and close it. Will that have any influence on my credit score?


Can I dispute an item on my credit report without having a copy of my credit report?

I think you have to first get your report, then use the number code on it in your letter to refer to your report so they make money that you ordered the report first before considering your dispute, but it says I already got my free annual report (which I didn’t) and now have to pay for one. I know for 100% certainty of a particular debt that has been reported to the credit bureaus based on a letter from the creditor. Can I just write to them to request they remove it without purchasing their report first?


Why is a residential status important to the credit card company?

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How do I check my credit score?

You know, how each of the three main companies are supposed to give you a free report every year. For some reason, every time I try to do it, I get sent to some website where I have to pay money or register or… or… Long story short: who has done it the right way and how do you do it without having to pay money. Thanks!


Do colleges give emergency loans for textbooks if you can’t afford them and can’t find them cheaper?

I cannot afford 400 bucks worth of books and cannot find them on most of the major used book web sites….if I get a loan refund check I’ll be able to buy them but who knows how long it will take. What does a school do to help?


Can you file bankruptcy on payday loans even though?

they make you sign a thing that you are not in the process of filing or going to file?


What stores accept best buy credit card?

there sold out on an item i want i was wandering what other stores accept best buy credit card

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


My boyfriend’s ex girlfriend use his credit card, debit card and information.?

Hi. I have a boyfriend and we’re getting married but we’re in big trouble cuz of his ex. My bf and his ex had been together for six years and lived together. She considered him such a sucker. She didn’t work at all, she stop her studying at college, and she spent his money all the time. Worse thing is she stole his some of cards what he seldom use and had spent about $6,000. Everytime when she got the bills, she hide those. So my bf didn’t know about that at all. Since they broke up, he has gotten a bunch of bills and some of card company even sued him. My bf asked her about that and she promised she’s gonna give him money soon when she get a student loan but it’s 8 months ago already and we found out it was all lie. But he believed her that time so he started to pay for all bills by payment plans. But he still has lot of debts and he doesn’t make that much money to pay all in short time. Because of this we get so much stress and have no money for wedding. Now she ignore his texts, all messages, and calling. Even we found some of copied papers of his cards in her stuff are left at home few days ago. She also used his card on the online few days ago and she even tried to get a new phone by his credit card. These all happened WITHOUT ANY HIS PERMISSION!!! His credit score is getting lower that I’m so worried our future. Right now, what can we do? We’re so mad about her!!!!:/


How can I get my creditors to remove defaults, so I can remortgage?

I own my flat together with my mum, and now she is looking to remortgage. Last year when she tried to do this, we were turned down from a few creditors, so stuck with the one we had, at a higher interest rate. The reason we were turned down is due to my bad credit rating. I have missed a few payments on my credit cards, as I was actually living off the cards – I had been made redundant from one job, and was almost literally forced to quit the next one (with 2 months in between jobs each time). Now, I had never missed a mortgage payment, which I was told is a good thing, but the credit card defaults are still on my credit report. Now I admit, I am terrible when it comes to money, and trust me, I have been lectured enough about this, so would appreciate genuine advice on how to get out of this situation ‘alive’. I got to a stage where I felt I could not afford to keep paying off my cards, as some of them increased their interest rates recently, and I turned for help to various agencies, who promise that ‘you will be debt free in no time’, by consolidating all your debts, and spreading a very low payment (of £150 I was quoted) between all creditors. Now one of the agencies was a charity CCCS, who are offering help for free, by assessing your income and realistic outgoings (so advising to cut all extras, like cinemas and expensive gym memberships, etc). However, in the process of handing over all my debts to them to handle, I had to ensure I open a new bank account and transfer all direct debits, etc. This all has turned out to be very time consuming and I had incurred even more debt, as I had written to creditors advising them that CCCS would be taking over all matters, but hadn’t been paying in the meantime, hence my rating has been damaged even more. Now the other problem is that my mother doesn’t know about my financial circumstances, and ideally, I wouldn’t want her to. She will be hugely disappointed in me, will probably not speak to me ever again, and in worst case-scenario, she may fall very ill or suffer a heart attack. So, as selfish as it may sound, I wouldn’t want her to find out for my sake, as well as her own. The only solution is to improve my credit score ASAP, especially that I have now given up on using a third party to deal with my creditors on my behalf. The question is, how do I get it fixed fast (apart from of course making payments), and how likely are the creditors to agree to remove the default strikes from my credit file, if I ask them nicely and promise to pay, by setting up a direct debit? Any genuine advice will be much appreciated. Thank you!


How do i close my credit one bank credit card?

i have this creditone bank credit card tht offers 200 limit…i recently got another card tht has better apr and i want to get rid of this card BUT i read in the fine prints tht they charge u 7.00 for electronic payment so tht means even if u pay evrything off u still have another fee added to ur credit…how do i get rid of this card?if i cancel it with me still oweing thm money they will add hidden fees and all tht bullsh**t..somone tht went throu same thing as me PLZ help me


Is there any way to divorce without going through court and lawyer bull crap?

Kay so, my husband and I bot want a divorce. We sat down and had a long talk about it and we both believe the divorce nessecary as we are not compatible with one another.. I mean this has to be the simplest divorce case ever.. We have no children, neither of us want alimony, we did not own anything together, nothing we just want the divorce. Weve been separated for six months now and we live in different states. Is there any way to get the divorce without having to hire a lawyer and go through the courts?


Where can I get a personal loan with bad credit and delinquent payments ?

im 21. I am trying to apply for a personal loan to get myself out of debt. I am 1 car payment behind $250 a month. I have one credit card that has a $300 cl but is over by almost $100 because I cant afford to pay it up right now. I make about $800 a month. any suggestions where I can get a loan to get myself on track ? My credit score is 550.


Refinancing an auto loan that’s currently in my father’s name?

In 2009 I purchased my first car and due to my income and credit history the car was put into my father’s name and I was supposed to be a cosigner. However, I was never put as a cosigner on the loan. Now it has been two years and I owe around 4800. I payed the down payment and each of the bills gets pulled directly from my checking account. I have two years left on the loan and I just think it’s a shame that I’m not getting any of the credit in paying it off. Will I have to refinance, and if so, how do I go about doing that with a loan that technically belongs to my father (he currently lives out of state)?


Anyone work at bellco and know what credit score I need to become a member?

I have a 597 credit score and really want to raise my score. I have paid off every bill on my credit report and it’s still that low. With the credit score I have I will never be able to get a credit card or loan. If I can’t get these things I don’t know how I will build my credit in the future. I know bellco has some great programs for credit cards And I’d really like to get with a union in order to start my quest to repair my credit. Does anyone know what credit score I’ll even need to get with their union? Does it change anything that all my bills were medical and I have paid them all off in full? I own my own business. I have no bankruptcys, liens, loans etc. Ever, never even had a credit card? Any help is appreciated! Thanks


I NEED credit card help with victoria secret!?

i rather pay my bill online.. because i feel by the time i get the bill in the mail its too late. and besides.. why have to go through the trouble of mailing stuff when you can just do it online. ALSO VERY IMPORTANT.. i returned something as well. i bought something for like 70 dollars and then returned something that had cost 20 dollars and exchanged it for something that was 40.


What stores accept best buy credit card?

there sold out on an item i want i was wandering what other stores accept best buy credit card

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Question about credit debt/bankruptcy?

i am 15000-20000 in debt. I just got a job making 30,000 a year. I have 2 kids and a wife. she makes the same. If i file for bankruptcy, will i be able to be free and clear of debt? Also, is it possible to get my checks garnished, or is that something that they dont do? i am scared and dont want my checks to be taken away to pay my credit or else i wont be able to live. How much do they garnish if at all? Any help is appreciated.


How can you get a credit card with no credit?

No, I’m not in college at the moment.


What are non mortgage loans?

what are some examples of these kinds of loans and are there any other names for non mortgage loans?


Has anyone had experience with a identity theft protection company? which one has the best service?

Has anyone had experience with a identity theft protection company? which one has the best service? thanks


I can’t pay my payday loans back?

I have a few payday loans. I have lost my job, my bank account has been closed and I have filed for chapter 7 bankruptcy. What can they do to me?


Credit Card Debt/Debt Consolidation Loan?

I have amassed $16,000 in credit card debt. I am contemplating the best way to tackle this debt as there are other things that I want to do with my recently purchased condo. However, I will not begin to make any improvements or take on further debt until I am totally credit card debt free. The credit card debt is contain on (2) credit cards that have an interest rate of 9% and 12% respectively. I am considering a debt consolidation loan but preliminary research shows that the interest rates being offered are higher than my credit cards’ interest rate. The fixed payment of a debt consolidation loan is what is most appealing to me. What suggestions do you offer? Is it possible to receive debt consolidation loan at a rate lower than what is being offered? Are there other debt reduction remedies that I should consider? Let me know if you need additional information. Please help. Thank you for your time


If someone co signs for a mortgage are they part owners?

If my husbands parents cosign for us to get a mortgage does that mean that they will also be on the deed? does it mean that they are part owners? also can we make home improvments with out haveing to ask them first? also if we decide to sell our home do they have to agree to this? any other info would ge great! thanks!


Is it safe to check your credit at free credit report.com and would it effect your credit ?

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What does this mean Monthly income before taxes and adjustments per pay period?”?”

I am filling out a car loan application for my bank online and it is asking for my gross salary. When I click on it this is the explanation it gives me Monthly income before taxes and adjustments per pay period.” Is it asking for my gross monthly income or for my cross income for each pay period (which for me would be every week?)”


Who can I contact to receive a personal loan not a payday loan with bad credit?

I am a married person, my husband gets paid by the hour, lately he has been out work due to illness. I just need a loan of at least $3000.00 – $5000.00. Any one out there can help or can refer me.


How long does it take for my credit score to rebound after establishing new credit accounts?

Greetings! I’ve recently signed a lease on a new office AND purchased a new home. I need to fully furnish the office quickly and am short on cash because of the home purchase. So I have applied for credit at three different locations and will use it to make the necessary purchases. Afterward, I expect my credit score to plummet. Given that I will certainly pay off the debt within four-to-five months, how long will it take for my score to rebound? Will I need to cancel the credit accounts or might there be some advantage over time to having the credit available without using it? Thanks for your responses.


Is Loan Sharking” illegal in CA?” Is there a max % of interest you can charge someone?”

or can you just do whatever you want as long as ALL of the parties agree, and have time to look it over, get legal counsel if they want, but as long as everything is listed under the terms and conditions, can people just do what they want? We would be notorizing and recording everything.



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Has anyone ever gotten an unsecured personal loan from speedybadcreditloans.com?

I’ve researched them on the internet and nothing bad comes up. In fact, a lot of websites say that sites like this require a fee (this one does) because they are acting as a middle man between the person seeking the loan and the high risk lender. I just wanted to see though if anyone out there has actually gotten a loan.


What stores accept best buy credit card?

there sold out on an item i want i was wandering what other stores accept best buy credit card


Can a civil case be tried in bankruptcy court?

We had a district court case get shifted to the bankruptcy court. We are the plaintiff in a bankruptcy conversion suit. We would like to keep it as a separate case and not get combined with the regular trustee adversary suit. Is this possible?


How can I get credit card statement (HSBC) online.?

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How can I get my credit report without paying anything?


How do I use fafsa to pay for my books in college?

I start college soon and I haven’t bought my books because when I went to the college bookstore they only had new and the books were over 100 dollars. I also heard that it is okay to wait until after the first day of classes to buy your books so you know which versions you need for sure? Should I just buy my books now or wait?


29.99 apr% credit card, short sale on credit report, decent credit score, need new card , help?

My husband has a card with (limit is $2,300 balance is $2,005) a 29.99% so the finance charges are $55monthly, and the minimum payment is $74 so l have started to pay the monthly plus the finance charges to try and get ahead instead of just the minimum as i was doing before. I would like to get a new card with lower apr% but his credit report isnt the greatest because he has a pre-forclosure short sale derogatory trade on his report, his mid fico score 2 months ago was 631 so his credit isnt horrible but that short sale is hurting because he cant seem to get approved for anything! not even with our own credit union! He makes gross income of $3600 so we have good income just bad report. My mid score was 662 2 months ago, but I have a 27,000 car loan with monthy payments of $540 and income of less than $500 a month. So I know i wont qualify for a credit card even though I get great pre-approved deals in the mail everyday, i know my score is decent but my income isnt. Anyone have advice?


I have a credit score of 440 and i need a loan?

my credit score is bad due to missed payments a repossioin and other various things so i need one loan and debts included so i make one payment i have a good cosigner that is willing to help i just dont know where to turn so i am considering bankruptcy if i can not find a loan and i would rather not do that


Vehicles owned and bankruptcy?

do you have to list all of your vehicles in a bankruptcy filing in p.a.?


Credit Card Question?

I’m 24 and graduated college last year. I only have a bank of america credit card. The limit is $3000/month. I also only have a bank of america student checking account that i opened 4-5 years ago and i still use it. I know credit cards have those high interest rates but are those rates only if you don’t pay your bill on time? I never understood what it meant by credit card and high interest rates. I never had to pay any fees with bank of america when using their credit card. I still receive those mails from chase, discover, citibank etc asking me to sign up for credit card and low apy fees. I wouldn’t mind getting another credit card because of my $3000 limit with BoA. Last time i asked for a limit increase but i told them i had no job and they said they couldn’t increase it because of that reason. Would it be a good idea to get more credit cards? I don’t usually spend that much money per month but there were a few times where i hit my limit for the month and couldn’t spend anymore money on my credit card. If i sign up for a chase or citibank credit card, would it cost me anything if i use the card rarely? Also, if i have a credit card with chase, citibank, that means i would have to get a checking account with them correct to pay the credit card bill online? I pay all my credit card charges using online banking with bank of america.


What or how is a best way to get out of complete debt?

I am at lest $20,000 dollars in debt. This includes credit card, payday loans, and a student loan. Yet! I’m confused as to what is debt consolidation and how is works. I’m disabled and on a monthly fixed income anyway. How does debt consolidation work? What are the pros and cons. What are my options at this point. Anybody got any suggestions-only serious and helpful answers are wanted. I just want to be debt free. Can anybody help me.


How exactly do construction loans work?

right now we rent a house and it is costing us 1100 a month. Its a big house. My wife and i would like to downsize and have lower monthly payments. we were looking at a first time buyers loan and a construction loan. How does either work.


Mortgage Lender says I need a Full Time” Job to get a loan.?”

Since I just graduated from college. How many hours are considered full time? I just got a job offering 32 hours a week.

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How do i consolidate my credit cards to get out of debt if i am being refused loans?

myself and my partner are in credit card debt of about £12000. have been trying to get a loan to get out of this debt but keep getting refused. have looked up our credit report and cant see anything much wrong apart from having a few cards. went to the debt counselling at the council but they said the debt was too small to do anything about. help


What stores accept best buy credit card?

there sold out on an item i want i was wandering what other stores accept best buy credit card


Would you spend $400 for an ad in a High Quality Magazine if you had your own Biz?

This would be for a text ad – up to 30 words, hightlit header, color and glossy pages. The magazine is distributed to 140,000 homes & businesses in the sacramento area.


Can I negotiate the interest rate on a cash advance (credit card)?

cant get in the situation Im in but I did take out some money on my home equity line of credit. If I sell my house for the price Im marketing for, im assuming ill have to pay the line of credit in its entirety and then the acct and mortgage is closed. im not going to be able to pay off the entire line of credit maybe 70% of it with the proceeds from the house. ill have to transfer the remainder to some other instrument. can I negoitiate interest rates on a cash advance on credit card. I think its rediculous for my card issuer to charge a whopping 20% int on cash advances. its my only other credit and I do not have much in savings (about1500) I want to keep this cushion for emergencies. any suggestions


Consumer Math Quiz Help.. all the problems.. please?

I don’t have very much longer to get these done, and I have 100 other things for school to do, so any help would be great.. thank you so much in advance! & please don’t swamp me with do it yourself” cause if I had the time


I am upside down in my auto loan?

i owe $22000 in a loan for a car i bought last year and my payments are over $600 a month with a 23% interest rate i got a trade in value quote from the dealer that sold me the car of $12000 which would put me upside down by $10000 no bank will refinance because i owe so much is there a way out of this and what should i do? my credit score is 623 am i better off trying to roll the negative equity into a lease and is that possible with that high of a negative equity?


Why is my credit score different on two different sites?

I have an account with FreeCreditReport.com and TrueCredit.com. Both show my Experian score as of 2/24/2011. However, they are 30 points different. Does anyone know why that would be?




















































What is a good credit card limit to have in order to improve one’s credit score?

What is a good credit card limit to have in order to improve one’s credit score?

I recently opened up 3 secured credit cards with a credit limit of $300, $350, and $300 respectively. I subscribe to Credit Check Total and received the advice below in order to improve my score. How much should I increase my limits to? Should I increase them on all three or can I increase just one? What is the magic number for credit limits in order to improve one’s score? With my secured credit cards you basically deposit money into the accounts if you want to increase the limits. Any advice is appreciated. From Credit Check Total: Having low credit limits on your accounts and loans counts negatively against your credit score. Having a high amount of credit is a positive factor because it indicates to lenders that other creditors have trusted you by lending you money in the past. However

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RELATED:

Need a $5000 dollar loan today in St. Louis MO. Bad Credit. Any Thoughts?

I need to get a loan to pay bills that have mounted. Please help I have a good job and will pay back huge interest, but no more scammers. Any Ideas?


What does the slang word goon” mean?”

I hear it all the time in rap songs and i just am curious about what it means.


Huntington Bank auto loan?

Ahh yea now why didn’t I think of that !!! I need the money by the end of the month Serious answers only!


What website offer a free credit report? Everyone I have found ask for a credit card?

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Personal loan after bankruptcy?

How can I get a loan for furniture? I just want it for around 2,500. I have my eye on living room furniture and dont want to Rent to own. Any one know of any options? I did get a car loan for a 2006 with no money down.


Traded cars now he wants his car back.?

met with a guy and we looked over each other cars and decided to trade even up. signed and swapped titles. later that night he calls me saying that my car is a pos and he wants his back. i know for a fact that my car was in good condition i think he did somthing to it. what he is claiming is i knew when i traded but had no clue of any issues with the car. i dont want to trade back because i dont know what he has done to the car over the past 2 days. he is saying a couple of things he says he is going to file for a lost title and get his car back and if that doesnt work he is going to get a lawyer and sue me. can he do either of these things? what happens if he files for a lost title? will he get anywhere by trying to sue me being we made an even trade?


Please help!! Year 12 maths assignment question, home lones!?

Amelia and Andrew need to borrow 250 000 for their home. They have a choice of two loans from the Commonwealth bank. Loan 1: A variable rate home loan at 7.81% reducible interest over 30 years with minimum repayments of $1898.18 per month. Loan 2: A fixed rate home loan at 8.25% reducible interest over 30 years with fixed repayments of $1971.13 Amelia and Andrew believe they can pay $2050 per month. If they do, loan 1 will be payed off in 20 years and 3 months. By first researching the difference between a fixed rate home loan and a variable home loan. Provide a recommendation to Amelia and Andrew about which Home loan they should choose. In your recommendation provide a strength and limitation of both Loan 1 and Loan 2. PLEASE SHOW WORKING OUT!!


What is a good credit card limit to have in order to improve one’s credit score?

I recently opened up 3 secured credit cards with a credit limit of $300, $350, and $300 respectively. I subscribe to Credit Check Total and received the advice below in order to improve my score. How much should I increase my limits to? Should I increase them on all three or can I increase just one? What is the magic number for credit limits in order to improve one’s score? With my secured credit cards you basically deposit money into the accounts if you want to increase the limits. Any advice is appreciated. From Credit Check Total: Having low credit limits on your accounts and loans counts negatively against your credit score. Having a high amount of credit is a positive factor because it indicates to lenders that other creditors have trusted you by lending you money in the past. However

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


Could I buy a condo right after bankruptcy?

I just filed bankruptcy after loosing my job 2 years ago. I couldnt catch up on my bills after not having a job for a year and a half. Now I have a job. Im currently renting for $900 month. I just seen this condo for sale for $39000(foreclosure). This condo is unbelievable and as well as nice location and my mortgage will be much much less than rent. Do you think that it will be hard to get a bank, etc to finance me after just filing 3 months ago. Its funny now that I filed my credit score went up alot(which is strange)…..NEED HELP!!!!!


I am thinking of filing chpter 7. Advice?

If I file bankruptcy and have some pending trafic tickets, will they be covered also. And is this process difficult to do.


Parents stealing money from me?

I have this secret place to put money in (well you know now) and i saw my mom and dad take money from it and it had about 300 dollars i was saving up from chores and stuff should i confront them or hide my money in a different place?


Are there any highstreet payday loan companies that use alternatives to guaranteed cheques?

Looking for a cash loan but don’t have a guarantee card. Any ideas (except money shop). Live in Nottingham!


Credit Check!?? HELP HELP HELP PLS!?

Where can I get a free credit check without a credit card?? The ones I checked online need some type of credit card at the end even though they said FREE.I don’t have a credit card, but I just want to check on my credit because I’m trying to move into this place. Thanks for all your help


Debt Consolidation Loan for my auto loan?? How it could effect credit? Pls read?

So when I first got my car I had bad credit and my interest rate is a whooping 16% … this was in 2006 .. Ive never been late on the loan (fyi) so I rec’d a mail offer from Discover Bank whom I have a Discover credit card with and I apllied and was approved … my loan with Discover is for $9,500 which is what my payoff of my auto loan is … my question is will my paying off” my auto loan and having new credit that is my Discover loan effect my credit drastically …. I know its just moving the debt but my interest is now 12% with Discover”


Rent-A-Center and credit??

My husband and I just finished paying off a computer from Rent-A-Center. It was the only way we could do it, because we’re a young couple and have no credit. We paid it off in the first 90 days, so we didn’t have to pay over 1,000 bucks for it. We paid like 700 or so. My question is, do places like Rent-A-Center do anything for your credit? And if not, any suggestions on how we can build credit?


Will a secured credit card be taken away in a chapter 7 bankruptcy?


What is a good credit card limit to have in order to improve one’s credit score?

I recently opened up 3 secured credit cards with a credit limit of $300, $350, and $300 respectively. I subscribe to Credit Check Total and received the advice below in order to improve my score. How much should I increase my limits to? Should I increase them on all three or can I increase just one? What is the magic number for credit limits in order to improve one’s score? With my secured credit cards you basically deposit money into the accounts if you want to increase the limits. Any advice is appreciated. From Credit Check Total: Having low credit limits on your accounts and loans counts negatively against your credit score. Having a high amount of credit is a positive factor because it indicates to lenders that other creditors have trusted you by lending you money in the past. However

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


What happens if i am unable to pay for my personal bank loan in dubai . i am in my own country now .?

I left my job and part of my bank loan in Dubai. After a year , the bank is now calling and emailing me. I cant’ pay now. What legal action can they take against me?


Negotiating deal on options for new K. Hovnanian Home?

I am looking to purchase a new home from the builder K. Hovnanian. They are offering a national sale for 3 days only. 72% off of all options up to $40,000. This sounds like a great deal, but EVERYTHING is an option, the base price is a bare bones price of $350,000. Does anyone work for K. Hovnanian or has anyone dealt with K. Hovnanian before that could let me know if I have any shot at getting them to discount options I purchase over the $40,000 included in the deal? The housing market in my area (Raleigh, NC) is strong, but developments are popping up left and right and builders are starting to overbuild and are having trouble dealing their current inventory. This development is currently offering up to $40,000 off existing inventory of houses (these houses are in the $350,000 to $450,000 range.) If someone could give me some advice on whether they think I could get an additional amount off or advice on how to best negotiate a new yet to be built house I would appreciate it. Thanks


I need to get a car, how do I make check stubs?

This economy is screwed up because there so judgemental. I make enough to pay a carnote but no one will give me a car because of my credit history(which happens to be about a petty 1000.00 bucks, half of which just double for nothing). I guess the only way I can get someone to give me the car I want is by saying I make more money than I do. I’d like to convince them I make about 2500 a month. I have a good downpayment I can put up too. Has anyone ever made a checkstub to show they made money they dont? Did it work?


Where can I get my credit report for free?

please don’t say freecreditreport.comn because that is not free!


When is it best to file bankruptcy, during or after the divorce?

I am in the middle of a messy divorce. The house is in foreclosure and I have a lot of debt. The house does have an offer but I will owe on closing and not sure how I can come up with the money for that. My divorce will not be final for a couple months, should I wait until the divorce is final or can I proceed with bankruptcy? The only debt that is in both our names are the three mortgages, what happens with them. How will it effect his credit?


How much would i have to pay a month for a 4500 dollar car?

How much woud i pay a month if ive never gotton a load for anything and dont have a credit and my parents sighned it and they have good credit


My brother in law said since he filed chapter 13 bankruptcy he can’t sell his motorcycle?

This is in the state of Kansas if it matters.


Is there a way to see your credit report for free?

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Student personal loans?

i need a loan for barber school where can i get a student loan for barber school cant get financial aid for this school where can i get like a personal loan for this kind of school?


Free Credit Report…what site is absolutely safe?

I was going to go to AnnualCreditReport.com…is that a legit’ site?


How much harder is it to get out of debt through bankruptcy these days?


Is the 36% apr cap on payday loans for the military currently in effect?



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

How long does it normally take for an underwriter to write a home loan?

We have been working on closing a deal on purchasing a home, but I have had some communication difficulties with the mortgage broker. We started the process on June 2 and set a June 30 closing date. The Real Estate broker called today and said the mortgage broker was just sending the paperwork to the underwriter today or tomorrow. Will we still be able to close in 8 days?


What is a good credit card limit to have in order to improve one’s credit score?

I recently opened up 3 secured credit cards with a credit limit of $300, $350, and $300 respectively. I subscribe to Credit Check Total and received the advice below in order to improve my score. How much should I increase my limits to? Should I increase them on all three or can I increase just one? What is the magic number for credit limits in order to improve one’s score? With my secured credit cards you basically deposit money into the accounts if you want to increase the limits. Any advice is appreciated. From Credit Check Total: Having low credit limits on your accounts and loans counts negatively against your credit score. Having a high amount of credit is a positive factor because it indicates to lenders that other creditors have trusted you by lending you money in the past. However


How do you report credit card fraud?


What will happen to my assets if I file bankruptcy? Details inside?

I make $49,990 gross every year. I have two houses. The first one I live in. I have an 80/20 loan. 80% for 300K 20% for 80K. Ive paid the $300 (80% loan) down to $292K and the $80k (20% loan) down to $72.5k. This house is worth approximately $320k. The 2nd house was purchased for $160k and has $135k owed. Its appraised at $180K I have $2,800 in credit card debt on one credit card. I own my car outright. I quit making payments on the 20% loan and modified the 80% loan. The bank that holds the 20% mortgage is coming after me for the $72.5. Im stalling at this point and no judgment has been put against me. I want to file bankruptcy on the 20% loan. Giving up house number one is okay with me. I will live in the 2nd house I own, or continue to rent it out and rent somewhere until I can rebuild to buy a 2nd more affordable home. I really want to keep that townhouse. What would be best for me in my situation? Chapter 7 or 13? If I want to walk away from house #1, can I keep my townhouse? I don’t want to pay for the next 3-5 years to my creditors, i’d rather give them the house. What are the facts? Things I havent looked at, or considered? Is it possible to keep that 2nd home? If so, will they put a lein against it? Etc.

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 score?

Every time I fill out a form to get one at the bottom they want a credit card number and some money later. Is there a truly free credit score?


I Need A Personal Loan Quick But I Have Bad Credit?

i need a personal loan quick but i have bad credit” Please show me where to get a quick personal loan that disregards bad credit. I have searched the internet for a while but didn’t really find what I wanted… Thank you”


FakeID websites from experiance? The ones i have googled with positive reviews have been terminated? Anyone know a positive website?


How to know/calculate the credit history before applying for credit.?


What does tax lien released mean?

I pulled up my credit report and under public records there is an inquiry from my county saying tax lien released. What is that?


How to consolidate credit card debt without hurting credit score?

Okay, looking for some help. I’ve got about $30K in credit card debt, across several cards, I’ve been making the min payment for years without fail, but I’m not getting anywhere with the debt, it’s staying the same because I can’t afford to pay extra. My credit history is long and solid so my score is mid 700s. Is there anyway I could consolidate all my debt into the lowest possible monthly payment without hurting my credit score? I don’t own a home, but don’t care if it takes 20 years to pay the debt off either, I just need to lower my payments. Thanks!


I want to get my name off of my car loan that I share with my ex?

My ex and I bought a car together, and I have been making the payments. I want to get a better car with a lower interest rate and let him take over the payments and have this car. is there any way I can do that and get my name off the loan?


Is there anywhere to get a real free credit report without joining a trial membership?


Can anybody be a cosigner for an auto loan? Was told has to be in same houshold?

I was told by my credit union that the person co signing (for auto loan) has to be an immediate family member or has to be living in the same household. I have never heard of this before…please help! Is this true for all banks?

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


Where can i get free credit report?


What is a good credit card limit to have in order to improve one’s credit score?

I recently opened up 3 secured credit cards with a credit limit of $300, $350, and $300 respectively. I subscribe to Credit Check Total and received the advice below in order to improve my score. How much should I increase my limits to? Should I increase them on all three or can I increase just one? What is the magic number for credit limits in order to improve one’s score? With my secured credit cards you basically deposit money into the accounts if you want to increase the limits. Any advice is appreciated. From Credit Check Total: Having low credit limits on your accounts and loans counts negatively against your credit score. Having a high amount of credit is a positive factor because it indicates to lenders that other creditors have trusted you by lending you money in the past. However


Bankruptcy and Income taxes?

Can regular 1040 Income taxes filed late be discharged in bankruptcy


How can I get a free credit score?

Every time I fill out a form to get one at the bottom they want a credit card number and some money later. Is there a truly free credit score?


How do you use a Visa Gift Card Online?

I’m not 18 and I want to buy something online. So I can’t use a credit card or debit card. I heard you can use a Visa Gift Card to buy online. Is it possible to add a Visa Gift Card on PayPal and then buy online? If so how? I am also unverified on PayPal so please help. Will give best answer to most helpful.


Can a debt be reported twice to the credit bureau?

Once by the original creditor and then by the collection company? If not, then how should someone takes care of it. Any online resources available?


How much should my pmi be on a 240,000 house?

Also, does anyone know a ballpark for homeowners insurance also?