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

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

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

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


RELATED:

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

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


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

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


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

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


Which service should I conduct my free credit report with?

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

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

Best Buy Credit Card- does it affect credit score?

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


I need a loan shark by monday the lattest.?

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


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

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


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

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

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


Is 724 a good credit score?


Will bankruptcy stop a foreclosure?


Renting out a house, Wells fargo home mortgage?

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


Need a loan shark! Needing a loan asap?

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


How to settle a bad car loan?

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


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

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


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

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


Where do i find a loan shark

Loan shark in ireland


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

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

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


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

What is ususry and Is it immoral or illegal?


How can i access my credit score free of charge?


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

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


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

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


How to raise your credit?

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


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

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


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

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


Is fakenamegenerator legal?

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

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


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


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

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


If I check my credit score?

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


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

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



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

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


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

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


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

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


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

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

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


Does anyone know of an online payday loan web site?


Any way to get a loan with bad credit?

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


Will a bank buy my Student Loans?

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


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

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


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

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


Used car loan for $7500?

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


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

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


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

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


REPLICAS SITES!! IOffer, MkHipHop, GoonB2B?

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

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


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

Help me out plzzz!


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

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


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

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


Help please !?

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


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

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


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

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


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




















































Why is my equifax number so bad but my transunion number good?

Why is my equifax number so bad but my transunion number good?

I am wanting to buy a home and got on credit karma to look at my credit scores and it shows my equifax score is 601 but my transunion score 676? Why are they so different? How will this affect my ability to get a loan?

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


RELATED:

How do you get your credit score to go up fast?

I was wondering how you could get your credit score to go up after credit inquiries? As I was wondering how do you get it to go up in point value? Parrothead


Do most loan companies make settlement offer?

p.s.- they keep adding interest on a car thats not working and i feel they shouldnt add 300percent interest on a loan.


What can i do if i filled bankruptcy.and there still taken out money?

in california


Where can i find a loan shark in newyork , specially in queens ?

i know its a bad idea but i dont have any other way….it would be a lot more easier if i u couldprovideme the phn number too….thanks !

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

Need help finding a lawyer?

i need to file bankruptcy in Indiana. I am having trouble finding a lawyer. I am in the south east corner, closer to cincinnati than indianapolis. i badly need help with this.


I can’t make online purchases with my Debit Card?

Thanks people, talked to bank/merchant, my new residence is different than the address i used to set up my bank account, so it couldn’t be verified. Appreciate the help 🙂


What is automatic stay can do on chapter 7 bankruptcy information?


Why is my equifax number so bad but my transunion number good?

I am wanting to buy a home and got on credit karma to look at my credit scores and it shows my equifax score is 601 but my transunion score 676? Why are they so different? How will this affect my ability to get a loan?

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


Can I use my Citibank account in Canada? Can I get a Citi credit card here and use it over in Canada?

I currently have a Citibank account in the US, and am going to college in Canada. I know that Citibank is a main bank in Canada as well. Would my Citibank account be considered the same here as in Canada? Would I be charged fees etc if i withdraw from a canadian citibank, as if i was withdrawing internationally? Also, since there is a citibank in both canada and the us, would i be able to get a citibank credit card here in the states with my current citibank account and use it in canada as if it was a canadian credit card and avoid international rate charges?


I Want To Apply Auto Loan,can you plz recommend ?

hello, i need a auto loan to get used a car at dealer i have fair credit history,anybody knows any good lender? god bless you !!!


What kind of auto loan would be best for me?

Ok so I want a 350Z bad! I’ve been looking at some used ones around the $18,000 range. So here is the deal. I’m 20 yrs old with credit only from a 10 month credit card I’ve had. I’ve been at my job for 5 months making around 1200 a month part time. I have about $8,000 cash and planning to finance the rest with a co-signer. So there are many options out there like credit unions or just financing through the dealer, how could I get the best financing deal?


What is the PA statue oflimitations on a payday loan?


What is the best way to trade my car in if I have unfortunate credit?

I currently have a 2004 Impala that I am paying a car note on. I have had it for 2 years I don’t have any bankruptcy or repossessions on my credit report. My current pay off balance is like 7 or 8,000. But I already have 130, 000 miles on it and I would rather invest that money in a newer car. Any suggestions?


I’m looking for a bad credit personnal loan, not a payday loan?


Credit Card verification for cam site?

Whenever you go on some webcam sites they ask for credit card verification to prove age and gender etc, but will this result in charges to the card? I have an empty debit card which I’m not going to use for a while, is this a possible solution or will it result in an overdraft for the card or something? Thanks


My dad left me a house with a reverse mortgage. I don’t want the house. My aunt is currently living in the house.?

My aunt wants to get a loan to pay off the house. I don’t want to pay a gift tax by giving it to her and I am sure she won’t buy it from me. No extra money. Can I do a deed in lieu of foreclosure to the mortgage company and let them deal with her? Will it effect my credit? Will they let her pay off the mortgage? We live in Missouri. Yvette


Why is my equifax number so bad but my transunion number good?

I am wanting to buy a home and got on credit karma to look at my credit scores and it shows my equifax score is 601 but my transunion score 676? Why are they so different? How will this affect my ability to get a loan?

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


I have given the conditions of my loan to the underwriters does that mean my loan has been approved?

My loan officer called the other day and gave me a few conditions on my loan, such as bank statement, tax info from the house that we currently live in etc… We are supposed to close on the house next Thursday, does it sound like our loan has been approved and why do they wait till the last minute to let you know something


My boyfriend wants me to put a car in my name for him, should I do it?

I do appreciate the feedback. Just as a side note he is a perfect dad, if anything ever happend between us, I know 100% she would be loved and taken care of by 2 parents. She is financially supported with college funds etc. and she will do just fine. I am scared to death to get married and that is why we are not married. Would it be better if I was married and then got divorced?


Where to get free credit score?

cant get a credit card or anything. where is a site where I can truly get my free credit score.


Are auto loans for people with bad credit all a rip-off? how do i know?


How do i cancel a credit card application online?

i got a notice saying ive been approved for $1500. im working on trying to build my crddit. so i went online and sign up to increase my credit. i have a Capital One card. i sign up and then saw the letter was from Credit One. not Capital One. fux i dont want credit one so how do i cancel?


How does debt consolidation affect your credit?

I have a friend that is currently unemployed and in debt approximately 73K. He is receiving a profit on a preconstruction condo unit of 50K. (His first owned property so no tax is required to be paid in Ontario, Canada) As he explains it to me, he has 24K in credit cards(19-23%), 8K in lines of credit (8%), 18K owed to close friends for floating him, 4K in overdraft at the bank, and 18K in student loans. He would also like to store 5K to support himself until he can find work. He wants to know if he went to a debt consolidation company, would they be able to reduce the total amount on credit cards/lines of credit/overdraft to an amount where he can pay off the friends and total reduced debt? What does it typically cost? (I told him approximately 2% of total debt.) His credit score is approximately 620 (so not great). What type of impact would it have on his credit? He asked me if it would be worth it. I don’t know what to tell him. ANY help would be appreciated. Thanks!


Best way to save and earn money?

I have about $5000 I would like to put away for a year and was wondering what would be the best way to make a decent return on it. From what I read it seems to be a CD but I was wondering if anyone else had any other ideas.


What are trustworthy places to borrow payday loans? also when you have bad credit ?

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


Credit report protection?


Where do I look to get a credit check on myself?


What hotels in Las Vegas have an indoor pool?

I am thinking of heading to Vegas next month. Since it will still be cold, I was wondering which hotels have indoor pools?


PLEASE PLEASE help!!?

To make a long story short, I tried to get my credit report information online from annualcreditreport.com, and it asked those personal questions confirming who you are. It asked what company i took a mortgage loan from in 1998, and what year i did, as well as an auto loan in 2002! I have NO idea where these came from. I was 10 in 1998!!! Theres no way i could have done that! And now my information is frozen. I put a fraud alert on my account by calling Experian, but there were no live people to talk to, so i couldnt get help. i dont know what to do. I’m 19, my parents wont help me im completely lost, please help!!!!



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

Catalyzed Reaction Rates and Activation Energies?

A reaction rate increases by a factor of 1040 in the presence of a catalyst at 22°C. The activation energy of the original, uncatalysed, pathway is 51 kJ mol-1. What is the activation energy of the catalyzed pathway, all other factors being equal?


Why is my equifax number so bad but my transunion number good?

I am wanting to buy a home and got on credit karma to look at my credit scores and it shows my equifax score is 601 but my transunion score 676? Why are they so different? How will this affect my ability to get a loan?


Where to get an Auto Loan with No Credit on a $10,000 Car?

I will be living with a relative


I Need A Loan For $4000 Now Tonight To Be Used Tomorrow?

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


There are 3 of us in a home loan, my x wife, my sister and me, My x wife is planning to file bankruptcy?

How is that going to affect the loan, my sister and my credit? the house is worth more then the loan, will the court look at that and go after it?


How good is a credit score as far as buying a home?

my credit score as of now is 7.72!!! I always had credit cards and paid all of them and was never late on any of them, also had a car loan and paid it off……. now I want to buy a home and went to get my credit score and it was 7.72, today I have to go back to speak to the real estate people and they will see my score and tell me what to do from now on. What are my chances of buying a home with that credit score?


Is H-Capital Advance Loan place safe and legit?

I’m trying to get loan about 10,000 dollar I was wondering If H-Capital Advance is legit and safe? this is the website. http://www.hcapitaladvance.com/ i found this on the newspaper and saw the website but i dont know If this place is payday loan or legit place. I couldnt find any complaints or reviews about this place anywhere. so please help asap!


I was online tonight looking @ the possibility of a payday loan for a car repair and i filled out a couple of?

applications. I simply thought that you had to click on something surely to agree to the terms and it sort of moduled the loan for you showing how you pay back and so forth ..I filled out 1 application and it said in big bold print YOU ARE QUALIFIED FOR A PREPAID MASTERCARD WITH A 7


Best loans for a 18 year old ?

Hiya my niece is looking to take out a loan of £1000 she earns £80 PCM but has no credit history ect who and what would be and best as much detail as possible please in uk only thank you 🙂


I would like to find a loan shark in Newcastle upon tyne. Could anyone tell me how to do so?

I know they are bad but im in a horrible situation and ive already tried everything to get out of it. I really need help.


Is it bad to use my credit card for small purchases?

I have a card that gets me points for every dollar I spend, and even more points for every item I buy. If I buy a whole bunch of 1 dollar purchases, will I wrack up points, or will I wrack up bad credit. Is it a bad thing to use a credit card as an everyday source of money (I do pay it off on time and am never overdue, paying the bill entirely each month) Thanks


Auto loan interest rate?

I am buying a used car and was quoted an interest rate at 9.5 for 36 months. I plan on paying the car off in 18 months. Will I save money in the long run? Once the car is payed off, the actual interest rate I payed will be lower than 9.5 correct?


When I consolidate my defaulted Student Loans with Direct Loan, when will I officialy” be out of default?”

I’m just wondering when they can no longer offset my tax refunds, etc. Also if you have any experience with the income contingent payment plan, please share. Thanks.

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


America Cash Returns took money 2 days ago out of my checking account as well — its payday loan company find?

I had applied online for a payday loan,however never did one, never even saw any loan documents – because all that kept coming up was companies that find payday loans yet you have to give all your personal info including banking info — this is supposedly one of those companies who do business under something else as well (fastcash1500.com)— beware they are SCAMMERS and use your personal info on the app to just get your acct info then hit your account for hundreds!!!!!!!!!!!!!! I;m sure there are many more scammers out there posing as payday loan companies just to get your personal info — so everyone should just go to a payday loan co in their city and stop doing apps online in order to keep that info safe from SCAMMERS – unfortunately this is the world we now liv in – I;m on disability for cancer so them taking $369 out of my acct really hurt me and my son financially – any ?’s you can email me at grlamarie@live.com


Why is my equifax number so bad but my transunion number good?

I am wanting to buy a home and got on credit karma to look at my credit scores and it shows my equifax score is 601 but my transunion score 676? Why are they so different? How will this affect my ability to get a loan?


Can you buy a new house knowing you just started a new auto loan?


How long do you have to wait after you file bankruptcy to buy a house?


My credit report doesn’t show my auto loan. What can I do?

I did not re-fi but he was held harmless in the divorce decree. I have a petition against him for contempt so this may also be revisited. I think the bankruptcy has something to do with this. It appears they didn’t reaffirm me even though I did on paper and during the meeting of the creditors. Who knows, maybe he was able to do something before I filed my Chapter 7.


Can I increase my credit score without using credit or spending money?

I don’t have any credit and want to create a credit report for myself to show lenders but how?


Which company is best for personal loans?




















































I have a 742 experian credit score, a 705 transunion credit score, and a 702 fico score?

I have a 742 experian credit score, a 705 transunion credit score, and a 702 fico score?

1-What would make experian grade me almost 40 points higher? 2-which one of these scores holds the most weight when applying for credit or possibly financing a car? 3- with these 3 scores how to I compare to the average Joe

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


RELATED:

Need to pay off credit…is a consolidation loan the best way to go?

I am $11,000 in Credit card debt. Would like to pay it down as quickly as possible at the lowest rates possible. NO DEBT CONSOLIDATION COMPANIES!! Was thinking about going to my local bank and asking for a personal loan, but I don’t own a home. What are my options??


Can i file bankruptcy after a foreclosure in CA?

it went back to the bank how about chapter 13?


How long is the average home loan?


Can i use paypal to pay my bills online, credit card, elec bills and etc?

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

Thin credit report….what does it mean.?

i just went to a credit report site and they said that i have thin credit report” what does this mean? is it like having a bad credit score ? i’m looking to get a car from a dealership who supposedly takes care of people with both good and bad credit. i just want to know where “thin credit” stands in that.”


WHAT IS THE Address for credit disputes?


Chances of getting auto loan?

Auto price $30,000 (sticker price) Down payment $8000 Fico credit score 597 Monthly income $3500 (Gross) 3 years on the job No open credit lines Thanks in advance.


I have a 742 experian credit score, a 705 transunion credit score, and a 702 fico score?

1-What would make experian grade me almost 40 points higher? 2-which one of these scores holds the most weight when applying for credit or possibly financing a car? 3- with these 3 scores how to I compare to the average Joe

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


In monopoly do you collect mortgage, i mean like dont you pay mortgage?

in the rules it says to collect mortgage but it makes no sense, please explain, hurry


How can I get a truly free credit report online?

Is there any way possible to get a totally free credit report online with no strings attached? I don’t want to have to sign up for anything, or use my credit card online. Thanks!


Good way to rebuild credit after bankruptcy?

i wanted to know what the best way to rebuild my credit after bankruptcy would be i dont want a credit card and i really dont know if i can afford a car right now can a contract mobile phone be used as a way to rebuild credit? thanks


Where can you check your credit report for free?


Statute of Limitations: Can this debt be removed?

This is all so confusing. I still don’t understand if I can or can’t request this to be removed because that has expired. Also, if I contact them does that mean if they will not remove it, the period starts all over again? And instead of dropping off of my credit report in 2013, it will drop off in 2016? What if I send them a letter requesting them to verify the information is mine or delete it, or, what if they do verify its mine and I offer a settlement, does that mean it will still stay? Just trying to get my credit back on track and all this is really weighing on me.


How long does a personal loan from Citizens Bank takes to be approved?

I went yesterday morning around 10:00am to make a personal loan because my car’s transmission got mess up so now I’m walking to work, on the other hand my girldfriend is carrying our baby and its been hell since my car got mess up. So I go there and ask for $5,000 she ask me some questions, then all she needed at the end was my last two pay-stup and I got them for hers and she told me that if I do get approved” the ammount will be directly deposit into my account within 2 days. All I’m hoping is that I get it because I really need this more than ever. I always pay my bills


Were can i get a credit report from?

i know i can get them online and such, but i’m wondering were can i get it other than the internet, maybe a local store, police dept. etc. were can i get one? that’s is not on the net. so dont say freecredit report. com and such, cause i know all of them, so can i get some help


My fiance and I have poor credit, and need a $2000 loan.?

If you have no way to help me, please do not comment. I make more than enough money, this year has just been tough. I also realize 590 is a poor credit score, and yes I made a mistake trusting the asshole at Kay to process my payment, I will not go into detail, it was just a headache. I realize it will be hard to get a loan, I don’t care how high the interest rates are, I will have it paid off in 3 months or less.


I have a 742 experian credit score, a 705 transunion credit score, and a 702 fico score?

1-What would make experian grade me almost 40 points higher? 2-which one of these scores holds the most weight when applying for credit or possibly financing a car? 3- with these 3 scores how to I compare to the average Joe

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


Debt Consolidation….whats a girl to do?

I’m 21 years old and my previous relationship left me in some debt. A maxed out credit card of $7,000 Old Navy Card $200.00 Verizon cancelled serivice and bill $500 At&t Cancelled service and Bill $500 Dish Network $200 Delinquent bank account of $500.00 So with all of this.. I don’t want to file bankruptcy but I have got to find a way to get this paid off and I dont know how.. help


Would anyone suggest filing for Bankruptcy in South Carolina? I need a debt solution!?


Gerardo & Alejandra Medel Debts & Bankruptcy?

do not lend money to these 2, they won’t pay you back


What can I do to build my credit, other than credit cards?

FYI: I am 23 years old, getting ready to buy my first car with plans to move out and into an apartment with my fiance within the end of this year. I have some credit history. Bills from the past left to pay off. But then on the other hand bankers claim I have no credit. I guess my past credit history wasn’t enough to begin with. I am either bad credit or no credit and either way, that’s bad. So while I try to pay off old things. What, other than credit cards, can I use to rebuild or build my credit. And at a fast paced speed? I need to boost my credit up asap. Thanks a bunch! :o)


What is MORTGAGE to GDP ratio??

wat is mortgage to GDP ratio and wat does mortgage pentration mean????????????


CIBC online banking help?

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


Payday Loan stores giving cards instead of credit?

Ive used payday loan stores in Arizona on and off for a couple of years. Recently I was told that cash in hand will no longer be offered but instead my money would be placed on a disposable visa card and I was told direct deposit from my employer would need to be set up in order for my loan to be approved. has anyone run into this before. it seems like a hassle, but Im wondering what the payday loan company is getting out of using the disposable visa’s. They are still taking money in from loans and extensions just not giving it out.


I need a cash advance as soon as possible?

I have a good checking account, a job that pays about $200 every two weeks, another job on the side, and I have photo id. Will I have any problem applying for a cash advance? And will I get the money on the same day? Where can I get a cash advance?

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


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


Can a collection agency with a judgement against me freeze my account tomorrow?

I had a judgement put against me in January of this year (due to bad advice from a lawyer). I switched off my direct deposit at my job, and started filing for bankruptcy. I will have paid off the BK tomorrow, and I actually have my direct deposit set up to start again tomorrow. My question is, since the creditor does not have a hold on my account right now (I know because I have been using my bank card intermittently over the last few weeks and there’s no indication of that on my mobile banking website), will they be able to take any of my money tomorrow? I will have about $3500 deposited, and after all my bills, I will only have about $50 left over -> I can’t afford to lose ANY of that money! Thanks!


Chapter 13 bankruptcy and taxes?

I am currently in a chapter 13 bankruptcy. My case was confirmed in 4/10 I used this bankruptcy to pay off a lot of debt I had including taxes and put it into a repayment plan. A lot of what got me here is that my holdings were decreased. During 2010 I forgot to claim 0 on my w2, and so I owe some taxes for 2010. I owe about 1300 dollars. I have now changed my w2 so that the irs takes the max out of my paycheck. Do I pay these taxes separately? What are my options. I can pay the 1300. I just don’t want my case dismissed. Any answers would help me a lot Thanks.


What happens if you cant pay back your payday loan?



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Do felonies affect your credit?

My credit score is good. will it go downhill now that I was convicted of a felony


I have a 742 experian credit score, a 705 transunion credit score, and a 702 fico score?

1-What would make experian grade me almost 40 points higher? 2-which one of these scores holds the most weight when applying for credit or possibly financing a car? 3- with these 3 scores how to I compare to the average Joe


Statistics normal approximation?

Historically, the default rate on a certain type of commercial loan is 20 percent. If a bank makes 100 of these loans, what is the approximate probability that at least 25 will result in default? (Note: use normal approximation to the Binomial. And, by continuity correction, you should use the midpoint between 25 and 26.) a.0.2000 b.0.0668 c. 0.0838 d. 0.0336


Federal student loan payment an expense?

Does a federal student loan payment count as a monthly expense when doing a means test for Chapter 7 bankruptcy? My payment is $364 a month and I know that this is not able to be discharged in bankruptcy. Thanks!

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


Where can I find a Quick and easy online payday loan?

I need a quick and easy payday loan that does not check credit or does not care about bad credit.


How can I get my FULL Credit Report?

I have done the free credit reports” from annualcreditreport.com and I never get my whole credit report. I get one of the 3 credit bureaus but then the other two will say they are unable to give it to me. If I was to pay for a credit report would I get all 3 reports or is there a chance that I could still get the “there are a number of reasons why we can’t give you your report”. I am trying to obtain my full credit report so that when I get my tax refund I can pay off all of my debts. So I am looking for a legit site that will give all 3 reports to me and not free ones.”


I have American Express credit card how can i purchase adult porn websites?

Adult American Express porn Web Sites


What kind of assets do people typically set aside for long-term financial needs?

i need help for buisness and personal finance class.im stuck on this question:P


If looking for an accounting job with a 2-year degree, how detrimental is a Chapter 7 bankruptcy?

It was roughly 2 and a half years ago. I would like some response from those in similar situations.


DOES THAT GUY WHO SINGS???” THAT . . . .FREECREDITREPORT.COM COMMERCIAL. . . . .DRIVE AYONE ELSE. . . .?”

cra-a-a-a-a-azy ????? I mean. . . .he TOTALLY sounds WACK-O to me. . . . .AND. . . . . . .I’M STARTING TO LIKE IT ????? !!!!!!!! What about everyone else ???? Is he driving YOU nuts. . . .TOO ????


What does buy-down amount” refer to when dealing with a mortgage? Is it a good thing?”


$246,000 on 30 year fixed mortgage at 7.8% fixed. What is the best strategy?

$246,000 on 30 year fixed mortgage at 7.8% fixed. I have 29 years to go. I have about $20,000. Should I use it to pay the principal? I know this is not a good idea, but why? I will have lower loan balance, right? Some say I can earn 5% out of $20,000 easily, but how? savings went down to 3% Should I refinance? and what to expect? what is the best strategy? I have credit score 724


Can you use a VA loan for a personnal loan?

i know you can use the loan for a house but what about a personnal loan for a wedding.

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


請問 mortgage amount 按揭 最多上到幾多錢會? 是人工的幾成?

請問 mortgage amount 按揭 最多上到幾多錢會? 是人工的幾成? Many thanks.


I have a 742 experian credit score, a 705 transunion credit score, and a 702 fico score?

1-What would make experian grade me almost 40 points higher? 2-which one of these scores holds the most weight when applying for credit or possibly financing a car? 3- with these 3 scores how to I compare to the average Joe


I need a personal loan for 5000, bad credit, i’ve been denied, will a cosigner help?

*** I’m sorry let me make that clear. I am employed full time as a real estate agent. It is just the slowest month of the year due to holidays. I do have a day job”. I have no concerns about paying back the loan. Obviously its just about being approved for it in the first place. May I also reiterate the respectful aspect of answering.”


Does anyone know what lender has the lowest auto loan rate on the market for used cars?


Auto loan.. Can i ask for an auto loan of 7000$ if the used car is only worth 6000?

I’m doing this so that i can have some extra money for the car registration, license plates, state emission test, and the insurance please help me i want to be sure first before applying for the loan today. Thank you all beforehand! =)


Is there is a place or website you can go to, for a copy of credit report mailed to you?

I would not say if was free credit report.com because they monitor my credit, they didn’t give me a copy. i really need to look at, my report of my whole life. thank you so much peace and blessings.


Fast payday loan that don’t need faxing?

i searched the web and cant find instant payday loan provider that do not use faxing papers.do you people know any best payday lender?




















































I have a 679 credit score from Equifax, a 652 from experian and a 0 from transunion. How is this possible?

I have a 679 credit score from Equifax, a 652 from experian and a 0 from transunion. How is this possible?

I am at amazement that I have a 0 from transunion (the score report: creditkeeper says that I have a thin file” meaning my accounts are less that 6 months old

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


RELATED:

Court summon for credit card debt?

Hi, yesterday I found out that a registered letter was delivered to my Mom’s house, I’m currently living in Europe so she picked it up at the post office for me. Apparently it is a court summons for $1800 of debt, my card was through Citibank. I thought that I had already taken care of this bill, but unfortunately, I didn’t so I was shocked to hear about this. There is no date, or docket number on the letter. My Mom is going to call the lawyer’s office for me tomorrow and try to get a settlement, I have the full amount ready to be paid if they won’t settle for anything less. If I’m willing to give them the $1800 will they say no and still take me to court? It was shocking to me because I haven’t received anything in the mail about this debt for months. I think that they’re trying to scare me into paying (it’s working) but it’s not like I don’t want to pay it off either, as I thought it had already been taken care of. I just hope that they will accept the money and be done with it, then I’m finally debt free! Going to court is really not ideal since I would have to fly back to Ohio and take leave from my job here. Also, since it was a registered letter addressed to me, would my Mom even be able to pick up a legit court summons because I thought that I would have to pick it up in person? Thanks.


Where can I find a Quick and easy online payday loan?

I need a quick and easy payday loan that does not check credit or does not care about bad credit.


Personal Loan for $2000?

I need a loan for $2000 and would like to use prosper or a people to people lending site but my credit score is too low. I believe there is an error and it is being disputed but for the time being im in a pinch because I need this loan soon. Is there anywhere I can turn, any suggestions?


Where do Expats live in Mumbai? How expensive could a flat abt 1200sqf rent per month in a good area?

I am a spanish traveling to Mumbai this weekend to see it, as I will be posted there for the next few years. I would like to get a general view of the city, where shall I go?? thanks to all of you!

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

What is the legit site for checking your credit history? i know equinox is but you cant google it without..?

getting the fake sites that want your money.


Getting a auto loan without claiming income?

can i get a auto loan when i dont claim my income? i work hard and make good money with cash or check deposits. i heard if you show a credit union bank statements that could get you a auto loan.


Up to my ears in debt. what is bankruptcy?

What is bankruptcy? I am 20 years old with quite a bit of debt in my opinion. I have a $5000.00 credit card that has not been paid in about 6 months. I have a contract for a Bell Mobility Turbo Stick, thought it was good at first until my second bill was over $600.00 that was a year ago and that is in collections now. I had a contract with two cell phones in my name, the other person screwed me over and my bill for both accounts was 1100.00 the phones were disconnected and I put $50.00 on the account every two weeks but that was not good enough now that is in collections… I know it wasn’t the minimum payment BUT I was giving what I could… I have a $5000.00 student loan for a course that I CANNOT get a job for… the payments were to be made December 31 and I did make the payment and there are arrangements for the full amount of 80.00 to come out each month. I am working full time making minimum wage.. I would like to go back to school but simply cant right now, I even had to move back in with my parents and they are charging me rent 300.00 each month. I leased a car out that I could no longer afford and my parents took over the lease and paid for the two months I was late.. I leased a car because when I did graduate I did find a decent temp job but after the 3 months I was let go… I just don’t know what to do.. at the rate I am going I will never be able to own anything…


I have a 679 credit score from Equifax, a 652 from experian and a 0 from transunion. How is this possible?

I am at amazement that I have a 0 from transunion (the score report: creditkeeper says that I have a thin file” meaning my accounts are less that 6 months old

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


How does a mortgage work?

Like how much are they, how do you get one, what do they mean dumb question i know but i’m not really sure?


What is the BEST diaper rash ointment?

There are like 15 over the counter ones & everybody say’s there mostly the same thing but there has to be some difference. Ive been using Destine & Hydro-cortisone Cream but it doesn’t seem to do the trick.


A question regarding Amscot cash advance service for individuals receiving monthly SSI, in Florida?

Guesstimating, what would be the maximum allowable cash advance limit, through Amscot, for an individual in Florida receiving monthly SSI payments of $688.00? I receive no other sources of income besides my monthly SSI. At minimum, do you think I would be qualified for a $300.00 cash advance? Thanks in advance everyone for your opinions regarding the matter.


Where can I get a faxless payday loan?

I need to get a loan online, I don’t have a fax machine, though. My cat is very sick and needs to see a vet ASAP. He cannot wait until I get my next paycheck and I know all fees and everything added on with payday loans. I’m willing to deal with the hassle. I just can’t find a site where I won’t have to fax something. I don’t want a site that matches, either. I’ve been filling them out for hours and they aren’t matching me with anything but other matching sites. Very annoying. Thanks!


Discharged Bankruptcy?

What is a discharged bankrupt?


Why are my credit score’s so different?

10 months ago i checked my free credit report from TransUnion and paid for the credit score which they showed that I had 822/990, 59 percentile, grade B. I assumed that It was using the Vantagescore scale. Just yesterday, I did my free credit report from Experian and paid for the credit score which they showed that I had 668/990, 32 percentile, grade D, Non-prime category. I freaked when I saw the drop, so I went to pay for a credit score from Transunion again, and they gave me 733/850, 73 percentile, no grade shown, Good category. I thought, why so different?” So I paid extra to TransUnion to tap into Experian and extract a score from them


What does it mean when Transunion shows dispute results as New Information”?”

I received my credit report dispute results from Transunion (FINALLY), but I was baffled to see that some of the dispute results read new information” even though there was nothing clarified to support this “new information” claim? What does it mean?”


Free credit report.com commercial?

1] who are the guys? 2]are they a real band? 3] if so what is the bands name?


I have a 679 credit score from Equifax, a 652 from experian and a 0 from transunion. How is this possible?

I am at amazement that I have a 0 from transunion (the score report: creditkeeper says that I have a thin file” meaning my accounts are less that 6 months old

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


Who is supposed to get the credit report? the Realtor or the person renting?

my boyfriend is having some trouble with the realtor he’s working with. he is a college student trying to rent a house. the realtor told him he needs to get a credit report and send it to her. but he is having trouble getting one. his bank would not give him one because they said it was suspicious that she would ask him to get it instead of getting it herself” he called his realtor and she yelled at him and said that “she was not going to spend money trying to get something that he was supposed to already have done.””


Will a payday loan in default affect my ability to get a tax refund loan?

I currently have a payday loan that is way past due ( they still call but have not sent to collections yet ). I need to know if this will cause me to be denied a refund anticipation loan. Anybody have experience with this situation? I plan to pay this off with with my tax refund. I live in Indiana if that helps……


How to get small personal loan with no credit history?

How can i get a small personal loan ($3,000) with no credit history without a co-signer? I have tried to get one thru my bank an they said no. How can i get one without a co-signer? I dont care how much the APR is, i just need it now. I’m 21 with limited credit (a phone bill, and a cable bill)


Can you get a $12,000 student loan if tuition is only $3000?

I was reading about student loans online and I saw you can get $12000 for tuition, housing and other expenses. A semesters tuition is only about 3400 at my local college. But I could use the remaining money for my housing costs and what not. Can you get the full $12000 if your tuition is only 3400 at a community college? I’m a US citizen, no felonies, no previous loans. I saw it is not based off of credit and no co signer is needed. What do I have to do to get this student loan? Would I be eligible to get the full 12k?


Where can i get a loan? Any reccomendations?

Ive got myself into a bit of financial trouble lately. Mostly down to payday loans, well overusing them! Im now currently left oweing a payday loan company £600. I also owe my mobile phone company £250. I need to find a loan of £1000 to get myself out of trouble and pay back over 12 months. Does anyone know of any companys? The sooner the better as my phone has been completely disconnected. P.S Uk only. Cheers.


How Do I Get a Free Copy of All 3 Credit Reports?

How Do I Get a Free Copy of All 3 Credit Reports? -Thanks!


Filing for bankruptcy?

does a trustee really work on my behalf or does he get any kickback or money from any money that the courts decide to collect from me.


Is AMCA a fraudulent company?

I got a bill from American Medical Collection Agency. I thought I would get it from Quest Diagnostics only. Is this a real genuine company? It seems a bit like a scam. I got the information here: http://answers.yahoo.com/question/index?qid=20111205212328AAFKBOW. The website seems less professional. Should I pay the bill to American Medical Collection Agency? How can I ensure that I paid it off? Should I contact Quest Diagnostics and pay it from there instead? What should I do? I don’t want it to affect my credit score but I am also afraid it is a scam.

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


Why don’t lenders see my credit score when I know I have one?

I am signed up for the credit score tracker through my credit card, which allows me to see my Experian reports and score whenever I want, and pay a small fee for the other two. I do have limited credit history – just under 6 months. But I have had a credit score since soon after opening my card. I know everything has been reported; I had a collection that brought my score down from 680 to 548. I got that removed because it was not my fault. I just checked all 3 reports and now I’m up to 693. But lenders can’t get any score when they pull my credit. Why is this? One more question – if you are self-employed, do lenders look at your adjusted gross income, or at your taxable income? My agi is $17,000, and taxable is $10,000 – big difference in my income range!


How do i go online and get a copy of my credit reports?


Are there any auto insuarance companies that only look back 3 years for accidents and violations?

I’m in Illinois.


Can I increase my student loan?

I lived at home for my first 2 years at university and now live in a house with other students. I changed my details online but still got my original, smaller loan, and with the increased applications this year I was unable to contact the student loans company to sort out the problem and had to accept the initiall loan amount. Is there any way to increase my loan with means tested options after the first payment has already been made?



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

Where do i go to find free credit reports on here?


I have a 679 credit score from Equifax, a 652 from experian and a 0 from transunion. How is this possible?

I am at amazement that I have a 0 from transunion (the score report: creditkeeper says that I have a thin file” meaning my accounts are less that 6 months old


Mortgage payment question?

Oh yeah, over 30 years


Can I File a Law Suit Against a Hired Lawyer who did not file my bankruptcy on time?

I hired a lawyer to file bankruptcy for my wife and I. She messed up a couple times and my wife was taken off and then she wasn’t licensed in our area and then she told me she was going to have to let it cancel and refile in order to get my wife back on it. I asked her if we had time to see about selling our home to pay off all our debts before she refiled and she said yes we had 30 day. I asked her to refile when she had to so we would not loose our home. My father in law passed away and we had to go from Florida to NH and put my mother in law in a nursing home and close and empty their house. When we got back it was about 6:00 pm. We found out our house was being auctioned off the next morning and the courts and our lawyers office was closed. So I went the next morning to the court and filed a motion asking the court to delay the sale because our lawyer was suppose have filed our bankruptcy and hadn’t and that we just returned the night before. The judge denied our motion and our home was sold and we had 24hrs to move out. When I got a hold of the lawyer she said she didn’t refile because we had to pay her to. Were we paid her and she messed up can we sue her and if so how long do we have to find a lawyer that will sue another lawyer?

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


Is 640 a good credit score for a 25 year old?


Where can find payday loans in missouri?


Where do I find an auto loan for a 1996-2000 model vehicle?

Banks almost exclusively require an auto loan be applied to a vechicle 5-7 years old or newer. Does anyone know of online lenders who will lend for an older model vehicle? We’re still talking about valuable cars, valued in the $7000-10000 range.


Is it possible to file bankruptcy online?

Is there a way to file bankruptcy online? Or do I need to set that up by using a lawyer?


Home equity loan and bad credit.?

Just inherited childhood home. There is no money owed on the house so its 100% equity. The house is worth at least $140k. My husband and I have bad credit due to medical bills because of husband’s disability. We would like to borrow $25k to clear up debt and do some repairs on house. We have steady income, same incomeb amount every month and direct deposit. How hard would it be for us to get s home equity loan for $25k with our poor credit?


Will filing bankruptcy effect my family?

I’m 25, have 2 car payments, a mortgage, work full-time, married and have a kid on the way. I don’t know what to do? I have been thinking for a while that bankruptcy is going to help. If I did, I would keep my wife out of it and her car. That way if worse came to worse we could use her credit, and car to trade if needed. I just want to do what is best for my family, we are struggling right now, and I know bankruptcy is temp. We are so far behind on bills and I am about to get 2nd job anyway for extra cash. What do I do?


Where Can I Find The Lowest Auto Loan Rates?

Hi I’m looking for a site with really lowest auto loan rates.Could you please suggest me one?


Can I get an auto loan with the 3 month old credit account?

My car broke down, and it has cost me way too much the last few months. I don’t want to fix it anymore. So, I want to get a new used car at a dealer. However, I have had an open credit account only for 3 months. My credit score is 704. Do you think I can get an auto loan from a bank? If I can at a dealer, do you think I can get the best rate for the used car? (2.9% APR)? Which option would be the best one? Please let me know what you all think!


What is risk weightage in the context of home loan rates?

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


Can you pay for a hotel room in cash?

i’m about to go to chicago with my boyfriend and friend for the weekend just for fun. total=2 females (21, 20), 1 male (21) how do i actually get the room? i’ve never booked a room by myself before and a lot of these hotel sites say you need to be 21. i’m 20, and in charge of this whole trip. i don’t have a working credit card or checking account right now. do i need to open one to reserve the room? could i just pay cash when i get there? should one of my friends reserve it since they’re older? or should i just use someone else’s credit card and give them cash to reserve it? (but would that be a problem if their name is on the card when i’m trying to put it in my name?)


I have a 679 credit score from Equifax, a 652 from experian and a 0 from transunion. How is this possible?

I am at amazement that I have a 0 from transunion (the score report: creditkeeper says that I have a thin file” meaning my accounts are less that 6 months old


Paypal credit card problem?

Okay so… I’m trying to link my visa gift card to my new paypal account but it keeps saying We’re sorry


Personal Loan with a credit score of 637?

Any one out there have a similar credit score and successfully opened a personal loan? If so, who did you open it with and for what amount? Im lookin at $5,000.


Is the cash advance loan site legit.?

http://www.amnestyfinancial.com/lastchance/process.php My credit is bad but it isn’t horrible. Does anyone know a good personal loan site that is LEGIT and knows for shore it’s NOT A SCAM. I really need something I can trust and that you KNOW from experience


Which Credit-Bureau does TD Bank use to determine borrowers credit standing?

Does TD bank use Equifax, Transunion, or anyother credit reporting company to determine the borrowers credit score?


What site can i really truely get a FREE credit report?




















































Dispute w/ TransUnion about Repossesion?

Dispute w/ TransUnion about Repossesion?

My husband & I returned a car about 2 years ago & it hit our credit reports as a repossesion. We filed an online dispute through TransUnion because we dispute the amount listed that we owe. They say we owe the original amount of the loan but what we really owe is the amount of the loan minus the amount they later sold the car for, which is a $4000 difference. The dispute came back from TransUnion saying that we can mail in documentation supporting the amount we owe which we do have, but my real question is, should I send the documentation with a letter saying I will only pay the amount listed on the paperwork, to the financing company for the car. Also if I should write the financing company a letter what should I say in it. Any help would be greatly appreciated. Thanks!!

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


RELATED:

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?


Can I take a 401k loan to buy a house if I am not a first-time home-buyer?

I owned a home a year ago, sold it, and want to buy another house in the next couple of years. Can I borrow against either my Roth or my 401k if this is not for the purchase of my first home?


Good Credit Score but Can’t get an Auto Loan?

My credit has gone back to 9 years and my D/I ratio is about 15% though. Been with the company for 2yrs 3mos. I also tried adding my mom. So that increased the income significantly and her credit history is even longer w/ good standing


How long does everything stay on your credit report?

I know that bankruptcies are 7-10 years and major delinquencies are 7 I believe; Inquiries are 2; what about…accounts that you have closed, in the past, or that are closed by grantor? Do those ever come off? I’m asking because if I see accounts that are closed but about 10 years old on my credit report, and it didn’t fall off yet, can I get it removed? I don’t want certain things to be on my credit report, especially if it may be negative information. If a credit card closes your account, is that considered a negative, even if you did nothing wrong, and they just closed it because of the economy or whatever their reasons are? Is that treated as bad as a delinquency or what not? Also do things automatically fall off, or do you have to call in and get things removed?

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

Why is a savings account important? What are some ways to increase savings?


Buying a car after filing bankruptcy?

what is the most of money allowed to spend to purchase a car after having just filed bankruptcy


What are some legit student auto loans?

I need a student auto loan but I don’t want a scam….can someone help me out here


Dispute w/ TransUnion about Repossesion?

My husband & I returned a car about 2 years ago & it hit our credit reports as a repossesion. We filed an online dispute through TransUnion because we dispute the amount listed that we owe. They say we owe the original amount of the loan but what we really owe is the amount of the loan minus the amount they later sold the car for, which is a $4000 difference. The dispute came back from TransUnion saying that we can mail in documentation supporting the amount we owe which we do have, but my real question is, should I send the documentation with a letter saying I will only pay the amount listed on the paperwork, to the financing company for the car. Also if I should write the financing company a letter what should I say in it. Any help would be greatly appreciated. Thanks!!

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


Where to check free credit score safely?


Anyone else going through bankruptcy too? I feel so humiliated. I thought with I’d be able to repay.?

Ive been to debt counselors. But they said I don’t earn enough to pay back my debts. I make $9,300.00 a year. And I am in school. I am just so embarrased. Has anyone else gone through this?


Creditors token payments and what to do ?

my husband and i have massive debts….14kin total and 6k in secured debts. we have been to the cccs and they can’t put us on a management plan as we have more outgoings than income. the creditors pester us all the time and the cccs have suggested we sell our house and move into rented accommodation except the rental prices around here are twice our mortgage.which would put us in a worse situation since they wont take our token payment and bankruptcy is out of the question since we would be homeless what else can we do ?


Credit Score ; checking your score?

Is it safe to check your credit score online ? How would I go about receiving a credit report ?


What’s the best thing to invest in with $50,000?

and why?


Can you file a chapter 13 bankruptcy after filing a chapter 7?


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 ?


Outstanding debt with liquidated loan provider Welcome Finance?

Hi, I need some advice on negotiating a settlement with the collection agency since Welcome Finance have gone bust. I have been paying off this loan for a few years now and prior to WFS going under, they offered me a discounted settlement of the debt which unfortunately i couldnt afford to take at the time. 18 Months on, I have been considering bankruptcy however I would rather avoid this option. I asked The Lewis Group (who are now looking after the debt) to supply me with a discounted settlement similar to Welcome however they have advised that since Welcome have gone… they cannot give customers a discount as it would have been Welcome that would agree it. Well I am confused becuase would they not rather i pay for most of the monies borrowed as opposed to going bankrupt and paying for none? As far as i am aware companies like The Lewis Group bought the debts at a smaller cost and made profit off those who fully repaid their debts owed therefore giving them leway to reduce the amount for immediate settlement. I cannot afford the reamining balance and have put together a reasonable proposal but they will not entertain it at all. Does anyone know how this all works? Surely even if the original creditor has gone bust you would have thought that they could still offer settlements with a proportion of write off? Thanks


Dispute w/ TransUnion about Repossesion?

My husband & I returned a car about 2 years ago & it hit our credit reports as a repossesion. We filed an online dispute through TransUnion because we dispute the amount listed that we owe. They say we owe the original amount of the loan but what we really owe is the amount of the loan minus the amount they later sold the car for, which is a $4000 difference. The dispute came back from TransUnion saying that we can mail in documentation supporting the amount we owe which we do have, but my real question is, should I send the documentation with a letter saying I will only pay the amount listed on the paperwork, to the financing company for the car. Also if I should write the financing company a letter what should I say in it. Any help would be greatly appreciated. Thanks!!

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


Auto loan with bad credit?

What are my chances of getting a car loan with bad credit? I’m 22 and this is incredibly embarassing but i’ve got $8,000-10,000 from hospital bills. I’ve been at my job for a year but i really need to get a better car. I’d like to take a higher paying job but its 20 miles farther and i need a reliable vehicle. i can put about $1,300 down right away. I’m basically willing to pay whatever high interest rate in order to get a loan. Any suggestions? Will it help my chances of getting one if i’m currently taking part in credit counseling? Anyone know of any companies i can apply with?


I filled out my free credit report at AnnualCreditReport website?

I filled it out and everything, what do I do now to get my free credit report? I followed the instructions step by step but I don’t know how to see it now. It just says Close your browser when you are finished.” so I did and now nothing happened.”


Auto Loan Interest Rate With No Credit?

Would it be possible for me to get approved for an auto loan with no credit history? I am 22 years old and i’m looking at a 2011 Ford Fiesta for $11,000-$12,000. I’d like the payment to be around $150, I would be putting down $3000 of it and would like to pay for 60mo. or possibly 72mo. if i had to. With no credit history would it be possible to get a rate 10% or less? What should i do.


Where do you go to pay a collections debt?

I am trying to fix my credit to be able to get a new car without a co-signer. Where do you actually go or what website to pay off any collections debt on your credit report? And do student loans bring down your credit?


Help me with this accounting question?

Slowhand Services was formed on May 1, 2008. The following transactions took place during the first month. Transactions on May 1: 1. Eric Clapton invested $50,000 cash in the company, as its sole owner. 2. Hired two employees to work in the warehouse. They will each be paid a salary of $2,800 per month. 3. Signed a 2-year rental agreement on a warehouse; paid $24,000 cash in advance for the first year. 4. Purchased furniture and equipment costing $30,000. A cash payment of $10,000 was made immediately; the remainder will be paid in 6 months. 5. Paid $1,800 cash for a one-year insurance policy on the furniture and equipment. Transactions during the remainder of the month: 6. Purchased basic office supplies for $500 cash. 7. Purchased more office supplies for $1,500 on account. 8. Total revenues earned were $20,000—$8,000 cash and $12,000 on account. 9. Paid $400 to suppliers for accounts payable due. 10. Received $3,000 from customers in payment of accounts receivable. 11. Received utility bills in the amount of $200, to be paid next month. 12. Paid the monthly salaries of the two employees, totalling $5,600. (a) Prepare journal entries to record each of the events listed (b) Post the journal entries to T accounts. (c) Prepare a trial balance as of May 31, 2008.


What will my apr on car loan be with bad credit?

my credit score is 544


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


When must you say positive rate gear up when your a pilot?

What altitude does pilots say this when the takeoff Thank you

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


What years did AMF own Harley-Davidson motorycles?


When filing for bankruptcy and you are moving, is it better to do it in the area you are moving to?


What is a better long term solution bankruptcy or debt consolidation?

I have a lot of credit card debt but haven’t found a job in 5 years. The minute I do find something, companies will try to garnish my wages., I would prefer to pay the debt, not dump it, but garnishment for employers is reason for dismissal. So should I do a debt consolidation and pay it or declare bankruptcy?????


How do I find my refund after bankruptcy is discharged?



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

Is it better to get a loan modification first before filing for bankruptcy?


Dispute w/ TransUnion about Repossesion?

My husband & I returned a car about 2 years ago & it hit our credit reports as a repossesion. We filed an online dispute through TransUnion because we dispute the amount listed that we owe. They say we owe the original amount of the loan but what we really owe is the amount of the loan minus the amount they later sold the car for, which is a $4000 difference. The dispute came back from TransUnion saying that we can mail in documentation supporting the amount we owe which we do have, but my real question is, should I send the documentation with a letter saying I will only pay the amount listed on the paperwork, to the financing company for the car. Also if I should write the financing company a letter what should I say in it. Any help would be greatly appreciated. Thanks!!


Personal loan/bankrupcy?

HI, A friend of mine lent me $10,000 and has passed away. I owe about $8000. Her family is trying to sue me for the balance in full” for her estate. I have a loan with BINDED terms


Is a wrap around home loan legal or illegal? how does it work?

Someone told me if I didn’t have enough for closing cost to see about a wrap around home loan? but this will be a first home purchase for me so I don’t know what that is

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


I have a utility bill from 1991 showing up on my credit report!!!?

I recently found out that I have a electric bill from 1991 on my credit report it has apparently been there since 2003. I called the electric company today and they told me the amount and that at the time it looked like I had received help paying it from the home energy assistance program. They also told me they did not place this on my credit report but gave me the name of a collection agency to talk with about it. I called the collection agency who would not give me any information because they could not validate if it was my bill. I am not sure what the address was when I lived there. I told them I lived in the town and on the street but do not remember the house number, they said they do not have a account number or ss number to validate if it was me. I got a little frustrated at this point and told them maybe I should just wait a year or two and it would be off my report. She then said she does not know if it will come off or not. This bill is from may 1991 but at this point I don’t even know who to pay or how to get it off of my report. Could you please tell me what you would do and how you would go about doing it. Thanks lea


Chapter 13 vs. Debt Consolidation?

I have about $11,000 in credit card debt I’ve been avoiding. I need some sort of consolidation. What are the pros and cons for Chapter 13 and a debt consolidation company? Any personal experiences?


Can I borrow money against my land I own outright?

I own some land worth about $62,000 outright. I have $120,000 to put down on a loan to build on it and am looking to borrown an additional $60,000. Problem is I don’t have the best credit (credit score of about 600). Any help would be appreciated of what I should do and where I should go.


Do banks give personal loans?

Do banks ever give personal loans. Why they all seem to refer to experian for their refusal. Their interests rates are so good but they always say regret. There seem to be a lot of pay day loans but the interest is ridiculous. Is there a genuine bank which can lend money to pay back in 48 to 60 months


No Credit…Car Loan Possibility?

So I’m looking into buying a brand new car. Something like a Chevy Equinox or GMC Terrain. I need a crossover truck that gets good gas mpg and those are looking pretty nice. I’m only 19 with no credit except for my student loans that I have for my first year of college. I have a job where I make about $1400 a month and I have no other expenses. What are my chances of getting a car loan in my situation?


How to obtain free online credit report offers if i dont have credit card or checking or savings account?


How does interest accure on a loan?

How do you pay more interest on longer loans?


Has anyone ever dealt with evercard???????????????

recently i tried to get an online loan(like a idiot)and evidently i signed up for something well evercard withdrew 49.95 out of my checking account twice well after much heart ache they mailed me a refund does anyone know if the checks will be anygood?????????????


I just opened a new line of credit. Will it hurt to increase the limits on current credit lines?

I just applied and was approved for a $5000.00 line of credit on a Chase credit card. I want to increase my credit limits on another credit card that has been opened for three years (It was my first revolving account). The goal with all of this is to have a higher available credit to debt ratio. I pay the balance to each of my revolving accounts off in full each month. I also never charge more than 35% of the credit limit at any given time. My goal is to simply increase the credit that is available to me. However, I’m planning on being pre-qualified for a VA home loan in the next few months and don’t want to hurt my score. With that being said, would it be best to request an increase in credit for my current accounts that have been opened for a few years, or would this increase hurt my credit score more than it would help? Thanks in advance for the advice/experience. P.S. I have four revolving accounts. One has a $5000.00 limit (opened one month), another $1500 (opened three years), one for $500 (opened three and a half years). The last one is just some dinky department store line of credit for $200 (maybe just over two years old). I also have two auto loans: They are both about a year old, and I recently paid the balance down to 35% of their initial amounts.

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


Loans with no credit check?


Dispute w/ TransUnion about Repossesion?

My husband & I returned a car about 2 years ago & it hit our credit reports as a repossesion. We filed an online dispute through TransUnion because we dispute the amount listed that we owe. They say we owe the original amount of the loan but what we really owe is the amount of the loan minus the amount they later sold the car for, which is a $4000 difference. The dispute came back from TransUnion saying that we can mail in documentation supporting the amount we owe which we do have, but my real question is, should I send the documentation with a letter saying I will only pay the amount listed on the paperwork, to the financing company for the car. Also if I should write the financing company a letter what should I say in it. Any help would be greatly appreciated. Thanks!!


How can i get free credit report every month?

hey,can you please tell me a way to get free credit report every month


My credit score is 672 what is my interest rate on an auto loan going to be?

in minnesota, I’ve been working at the same place for 3 years and I’ve never been fired. I have $500 left on loan for school and $500 left on auto loan. I want a used car


Payday loans?

CAN SOMEONE FILE CRIMINAL CHARGES IF YOU OWE FOR A PAYDAY LOAN


Whats the best and fastest unemployed payday loan ?

I need a payday loan for atleast $500, i need it before sunday, does anyone know what payday loan online that’s legit and works good? Please help!!


I’m 20 and i have 8k in debt i need some help.?

Can anyone give me the names of some good debt companies i can trust. and how does it work? they pay if off and i pay them? and do they charge for helping me?




















































Is a transunion score of 685 bad or good?

Is a transunion score of 685 bad or good?

well i know my credit isnt good i have a 591 euifax 579 experian and a 685 trans i dont know about my fico is my fico the average of all those?

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


RELATED:

After a bankruptcy, what if you can no longer pay?

What if you can no longer pay a loan that was reaffirmed in a bankruptcy due to unforeseen loss of income? What happens then?


Is midland credit management a scam?

i got a called that i owed them 1200 dollars on a credit card for bank of America, But i don’t have bank of America.so want do i do


Can someone help me with the steps to this question really fast?

Cliff Branch bought a home with a 10.5% adjustable rate mortgage for 30 years. He paid $9.99 monthly per thousand on his original loan. At the end of 3 years he owes the bank $65,000. Since interest rates have risen to 12.5%. The bank will renew the mortgage at this rate, or Cliff can pay the bank $65,000. He decides to renew and will now pay $10.68 monthly per thousand on his loan. You can ignore the small amount of principal paid during the 3 years.


How much would the monthly house payment be on a 450,000 dollar loan?

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

Credit card interest rate – Chase?

We have two credit cards with Chase. One (was) two years ago 6.9% fixed APR and the other was 7.9% fixed APR. After the crackdown on creditors, we of course got sucked into the let’s pass the crap onto the customer” vacuum and regardless of our good credit


Free Credit Score??????

I already checked out my credit report but i would like to know if there is a safe free site i can go on to check out my credit score??


FreeCreditReport.com fees?!?

My husband and I both requested a credit report from FreeCreditReport.com. We were under the impression that our bank account would be charged for routine credit services offered by the site if we did not cancel our membership within 7 days. But that is not what happened. We just checked our bank account and each of us were charged $30 each. I have looked at the site to see what the charge is for but can not figure it out. My husband got his report two days ago and I just got mine last night. It definitely has not been 7 days. Of course it is after business hours for them, so I can not call them now to ask but I definitely will ask call to see what they say tomorrow. I was just curious if anyone else has experienced this or know anything about it.


Is a transunion score of 685 bad or good?

well i know my credit isnt good i have a 591 euifax 579 experian and a 685 trans i dont know about my fico is my fico the average of all those?

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


I bought new car my credit score went down why?

My credit score was 670 in October. I have a total of 8 accounts open since May 2006 thats when I got my first credit card. I purchased a car at end of October for 13k. My credit score dropped all the way to 570 that quick! Can anyone help explain why this has happened and dropped so much? And when will it start to go back up. All of my other accounts have perfect payment history. Also one of my cards was stolen with my purse around this same period so does that make my score go down when I cancel a card?


Can i get a goverment grant to remediate toxic mold in my home if i am chapter 13 bankruptcy getting sick?


Can someone provide some good TV marketing copy for my payday loan business?

My company name is Zip Cash so we were thinking of incorporating Zip into the copy. I was also wanting a jingle or at least a catchy phrase. I want to emphasize fast, convenient, considederate, personal attributes.


Can you roll closing costs into an FHA loan?

can you provide link to this info if yes?


Auto finance company wrote off car loan as a total loss and won’t repo my car after surrending it. Help please.?

Back in 2009, I purchased a 2007 Scion with Toyota Financial Services as my finance company. About a few months ago, the vehicle broke down (needed a new clutch). I then decided to go ahead and just surrender the Scion back to the finance company because I was in way over my head with this loan, I was about $6000 upside down on a 2007 Scion. I had made arrangements with Toyota Financial Services to send someone to repo the Scion. Once the tow truck arrived at my house, he couldn’t get the car out of my garage and onto his flatbed. He then became too frustrated and decided to leave abruptly. A month has went by and I called the finance company today and asked when will they be picking up the vehicle. The extremely rude lady stated that they had written off the loan as a total loss and there’s nothing they can do anymore that they will not be picking up the vehicle. I am completely confused at this point. Of course I won’t have the title, but what can I do to the vehicle? Should I just repair the problem and continue to drive it? I have no idea what I should/can do at this point. Your suggestions would be greatly appreciated, thanks you.


Is there debt relief for military credit union loans?

Every debt relief company tells me they can’t help me because I have credit union loans from military specific companies. I am no longer enlisted, but it seems the only option I have is bankruptcy which, ironically, I can’t afford because of the new laws requiring upfront payment. Is there a company that can actually help me get back on track? Serious answers only, i.e. don’t waste my time.


How much would i have to pay for a 4,000 dollar loan?

I want to buy a car, and id probably have to get a loan threw the bank. if the car is 3750 dollars, and i get a 4000 dollar loan what would the payments be? For a 60 month loan. i dont wanna go over 150 is possable. Also, what would the insurence be for a 17 year old boy driving a 1997 Explorer be? if i got a loan then id have to have full coverage till the loan was paid off… and idk if it matters much, but i live in Kansas. thanks


Is 8% interest too high for a new car loan?

i mean 8.15%


Is a transunion score of 685 bad or good?

well i know my credit isnt good i have a 591 euifax 579 experian and a 685 trans i dont know about my fico is my fico the average of all those?

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


Where is there a free adult dating site where you can email without a credit card?


Building credit back up?

Hi I am young, and have made some mistakes! I have student loans that are deferred at the moment! I start repayment back next month. I also have a directv bill, medical bill, and an exercise equipment bill that are in collections! I havnt had the money to pay anything back, due to paying for school, and low on funds! How do I start to build my credit back up? How do I order a free credit report? Do I start paying one by one! Please help? Does your credit score go back up as you make payments? Please no rude comments!


Walmart credit card, how interest works?

okay so this is my first time owning a credit card. i qualified for a credit of $2,500. im a little bit confused about how the interest works. the package that i recieved with my card says that the annual percentage rate is 22.90%, what does that mean? it also says we will not charge any interest on purchases if you pay your entire balance by the due date each month.” lets say i buy a tv for $800


Chapter 7 bankruptcy household income?

i am trying to file chapter 7, i have two children age 21 and 23 who pay two hundred a month to live at home, do i have to use their full income as part of my household income, they don’t pay any of my bills, the lawyer wants to see there pay stubs


Can I use my chase credit card to withdraw from the atm?


Why can’t I get a FREE credit report without entering a credit card name, number, or type?

I want to get a free credit reprot but I don’t want to give out my card type, or my card number and I can’t find a site that will give me a free report without entering card number or card type


Can you file bankruptcy without an attorney?

I mean why pay an attorney 2,000 to file when you can go get the paperwork yourself, and do it? Any thoughts? Has anyone filed themselves before?


Singapore sme trade finance loans?

My retail business hav been moving slowly and i`m caught with cash flow problem. Can i get loan from SPRING s`pore or bank ??? My business just started bout 15month ago. Wat is the doc needed to get loans ??

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


What implication does secure and unsecure loan has on a start up company requiring a bank loan?

explain the difference between the two loans


Why would another dealership mysteriously” pay off my car loan?”

My estranged husband and I are on the verge of settling our divorce. It turns out that I will keep the house with my own mortgage and all equity (since I invested a lot of money into the home since his departure in 2007). My vehicle is also in his name and he has agreed (reflected in the decree) to sign the title over when I finished paying on the loan. I had a balance of $3,000 and to my surprise, I received a letter from the lending bank that it is paid in full. I called to inquire about this and was told that a dealership paid it off on September 4th. Something is fishy here. I first thought maybe my soon to be ex re-financed but the bank rep. said the loan is paid in full. He is still driving the same vehicle making this perplexing! What do you suspect? I can’t call and ask him because I don’t trust him and he will probably lie. Thank you for reading this and for your help.


Had a dream few nights ago about buying a new watch without money.?

So, here goes. I was sick the other night and I got a fever about 100.3. Before that (in my dream), I was browsing a jeweler’s store and really like one of their watch, it was gold and about two inches in diameter. But the price tag was 4,5000 dollars which I can not afford. The salesman came over and said that I can wear it for a night and bring it back tomorrow and owe nothing but I have to sign a paper. I did and took the watch. The next day I bought it back to the store and the salesman took me to a room with dim night and there were four more man sitting behind a long desk and told me that I have to give them 45 grand and I have a day to get them the money (they didn’t say what would happen if I don’t). So I was wondering around until I reached a village, apparently that place was where I originally came from. And the folks there said they will help me out by selling some five tons dirt to somebody for 50,000 dollars which they did and gave me 50 grand. I then brought the money back to the store and gave them the 45 grand, I kept the watch and the 5 grand at the end.


CreditReport.com charges for FREE credit report?

Then makes it difficult to stop being charged a monthly fee? Anyone have this happen?



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

What do the hospitals charge cash paying patients???? Enough with the insurance talk!They are billed different?

I have looked all over the web for an actual answer to my childbirth cost question. You all say the same crap. If I had insurance I wouldn’t be looking for how much it was going to cost me. My insurance company could tell me! How do I know this, I have an insurance agent for a cousin.lol. Insurance is billed differently than cash paying individuals are. Some places stated it was only 3 grand total. So all the answers on this response page…lies. Ignorant misconception. I found the standard home mid-wife birth rate was 1,895.00. We are the laughing stock of so many countries because we charge our own people for their own babies. With how many places that rip us off in our most vulnerable state of being I can’t always say I’m proud to be an american. If it’s not our government taking advantage of us it’s our so called health care system. People are sick. Doctors don’t want to help people in need, we are just dollar signs to them.


Is a transunion score of 685 bad or good?

well i know my credit isnt good i have a 591 euifax 579 experian and a 685 trans i dont know about my fico is my fico the average of all those?


Auto Loan Question?

I just placed a credit application with Nissan to purchase a 2008 Altima. The base model is roughly $19,000. I am putting $5,000 down and my average credit score is 680 (662 Experian, 665 Transunion, and 714 Equifax). Will I be approved?


What do I need to purchase a used car in another state (live in AZ, purchase in CA)?

I’m a resident in Arizona but found a used car in California that I would like to purchase. I’ve done some searching through forums, but was hoping someone might be able to give me consolidated information or a link to where I can find this information regarding registration, license plate (will temp work?), insurance, in-transit permit, etc. Furthermore, I was pre-approved for an auto loan through TruWest Credit Union. The loan shouldn’t have any restrictions when purchasing out of state, right? Does California tax on used car purchases? If so, how much?

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


BANKRUPTCY how do i do this part?

i am filing my own bankruptcy… and on the questionnaire form regarding miscellaneous household and personal property…..i live in a household with two roommates but none of the stuff in the house is mine do i list as household property that or no? just kinda confused.


Should I declare for Bankruptcy?

Hi I am 18 and i recently got in 17,000 dollars in debt of medical bills after getting help of the gov. i live in nj in a room in my parents house i have no job, no car, basically nothing (I do not go to college). i want to declare for bk since im young and will have it all over my late 20’s but i dont know what effect it will have on my parents… I plan to work work construction later in life (Will the bankruptcy affect this?) Please help Thank you


Credit Card cash advance how does it work?

I want to buy a four wheeler but the banks are closed. I have the money but I don’t have the cash for the deal. I was wondering if I withdrawal money from my credit card is there interest or is that only if i don’t pay for it by the end of the month?


Defaulted student loan – how to undefault it!?

Ok I know right off the bat you are thinking that I defaulted on a loan, I’m irresponsible, and do not deserve your answer- please don’t judge, just read on. I have CitiAssist private loans that my father cosigned for me when I was in school. Upon repayment, I was making regular, on time payments, however I filed for bankruptcy due to credit card debt. During the bankruptcy I wished to continue paying my loans, but because of having a cosigner Citi Bank would not speak to me, only the cosigner. Problem was, my cosigner, my father, passed away in 2007- at which point I DID notify them and send them a death certificate. Upon explaining this to them yet again and having to rehash all of the painful details, they made me send another death certificate, which I did. In the meantime, of them not releasing any information to me, my loans went into default status. I have every intention of paying back the loans, however I do not feel that it is fair or ethical that they went into default status to begin with as I was trying to pay them to keep them in good standing. This has further destroyed my credit and I want to try and remedy the situation. Can anyone provide any suggestions?


Personal or Auto Loan?

Ok, i am buying a car off a family member, There lease is up on there G35 and he asked me if i wanted to buy out his lease for $21,000. I sayed im deffinatly intersted. My problem is that i dont know if i should get personal loan or an auto loan. What loan type usaly has a lower APR %. Im lookin to do a 60 month or a 72 month loan. I checked with my local bank, and they sayed i can get a 4.9% for an auto loan. But they never mentioned a personal loan. So can anyone help me out. Even just a round about answer? thx


Free credit scores?

where can i go to see my free credit scores for FREE free


Where can you get a FREE credit report?

Now, I’m not talking about a website where you are ultimately charged for some sort of package or program — JUST the credit report itself. Help?


Cashing 401K while still employed?

Well, that’s what I thought too. However, her employer told her she could borrow against it, but only if she provided a foreclosure letter. The reason she doesn’t want to wait on that letter is the amount of fees she is racking up each day, plus whatever fees she will incur once the foreclosure process has begun.


How long after mortgage is signed can you leave your job?

We recently bought a house through an FHA program, and we needed both mine and my husband’s income to qualify for this house. At the time of closing, two weeks ago, I was still working full-time. I started graduate school full-time and I have since left my job (technically I’m still there due to some vacation I’d accrued that I’m using). Today, I get a call from my mortgage lender requesting employment verification to make sure I’m still at my job.” Is there some reason that I need to still be at my job after the papers are signed? As long as we are paying our mortgage on time

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


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..


Is a transunion score of 685 bad or good?

well i know my credit isnt good i have a 591 euifax 579 experian and a 685 trans i dont know about my fico is my fico the average of all those?


Should i file for bankruptcy? I have a 13 month old son and lost my job 3 months ago?

I asked family to help me get caught up and nothing. I owe about 7 months on my car but got a letter for repo. I have private school loans that have been sold to 3rd parties. I’m overwhelmed. I cant get a good” job cause most of them check your credit. If i take a lower paid job I still won’t be able to afford the bills. Total bills about 29k. I worked a deal out to prolong the repo. If i file will they take my car?”


What is a good place to borrow money online?

I am in a tight spot and need around 600 dollars i dont have a job or any paystubs i also have no credit is there anywhere online i can borrow money? thanks alot


For Rs.30,000 salary how much amount personal loan I can get?


Can a person look for another job while filing bankruptcy in the State or surrounding county they live in?

I am on a job that I am extremely unhappy with and would like to look for another job in the County or other counties that I live nearby. Will that be a problem while filing bankruptcy?


What site has truly free credit report without signing up or paying fee?




















































What credit bureau (TransUnion, Equifax, Experian)does US Bank use when it pulls a consumer’s credit?

What credit bureau (TransUnion, Equifax, Experian)does US Bank use when it pulls a consumer’s credit?

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


RELATED:

I don’t want my car anymore but it is financed, what do I do?

I financed my care 09/2005 and it was 15000 with all the fees , etc. I lost my job a few moths later and I qualifies to have my payments waived. I am having big $$$ issue s and the interest is kicking my butt. I am behind on payments again. Can’t I do VOLUNTARY REPO OR SOMETHING


What would cash advance limit be on $7,500 capital one venture card?


Can i get an auto loan for a 2000 year car?

i found a car i really want that costs about 5k. i have the money to buy it but id rather put half down and finance the rest. the dealer doesnt finance. i have good credit and im 19 years old. will my bank give me a small loan for this? by small i mean 2000-2500


What type of degree is best for editing and publishing?

In my college, there is regular English, English literature, English creative writing, journalism, and communications. Which of these is best to be a publisher or editor?

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

Does having an unknown status” account on my credit report hurt my credit score?”

I bought and sold a property several years ago. I had a first and second mortgage on the property. I was never late on a payment and paid it off in full when we sold the house. Now my credit report says unknown status” on the account while all my other old loans say “current closed.” Is the “unknown status” account hurting my credit rating?”


Is it best to wait out bad debt or file for bankruptcy?


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?


What credit bureau (TransUnion, Equifax, Experian)does US Bank use when it pulls a consumer’s credit?

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


Can your parent get a parent plus loan if they have a credit score of 560?

Are you sure? Please say what your source is of the information.


How hard is to get a thousand dollar car loan?

Which credit cards would you recommend? And it would be hard to get a loan even from my own bank? I bank with Chase if that makes a difference.


Do you have to pay back a grant?

like for college?


If a get a student loan will it pay for some living costs?

Im still going to be working part time but , im sure it will not be enough to cover all monthly living costs any ideas or suggestions? First one to answer gets 10 points


How does a bad credit auto loan really work?

My credit score is probably 0 (yes I know that’s not possible) but it’s pretty bad. Say for example I want a $5,000-$6,000 car, how much would I have to put down and how much would the interest typically be?


Does the co signer of an auto loan have any ownership if not registered to them?


How can I get an auto loan if I get paid in cash?


How much loan will I get on Jeevan Shree?

My husband has a Jeevan Shree LIC policy which commenced in november 2001. The sum assured is Rs. 5,00,00/-. How much will be the surrender value and how much will I get as loan from LIC based on this policy? The premium amount is 12495 paid half yrly


What credit bureau (TransUnion, Equifax, Experian)does US Bank use when it pulls a consumer’s credit?

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


What should annual income be if purchasing a house for 225,000. With 50,000. down?

If someone was interested in buying a house for 225k and had 50k to use as down payment, what would annual income need to be in order to qualify for a 175k 30yr fixed mortgage with taxes approx 5k/yr? Credit report is fine. Also, how would you figure out the monthly mortgage for this amt? Thanks so much 🙂


I received a 1099-C for an auto loan. The bank never repoed the car!?

I received a 1099-C, Cancellation of Debt, in the mail today. After some research I found out that thismeans my bank forgave me the loan I owned. This is for a car, the loan numbers match. But I still have the car. Does that mean they just gave me the car for free??? i’m sure it’s some type of mistake, but even if it is..wouldn’t this 1099-c hold up in court as evidence that I do not own anything on the loan? will they sign the title over to me?


Will I be able to get a house after bankruptcy?

I’ve met most of the criteria that I’ve seen is needed…..credit score over 600, been 3 yes since my chapter 7, 20% down payment available, etc. But the one criteria that I’m worried about is my work history. I’ve been at my job for 3 years but I plan on moving to a different state and thus I will be starting a new job. Will this dramatically lower my chances of being approved?


I recently had to file a chapter 7 bankruptcy. I am currently unemployed and have been applying online for?

a job at several banks. Every time I get a call back from a recruiter for the company or get an e-mail saying I should be hearing from someone at the bank to set up an interview. I never hear anything else from the bank and since I have to sign something authorizing them to do a credit check during the application process I am afraid this is why I’m not hearing from them. Is this possible? I’ve read that it is illegal for them to not hire you because of info on your credit report, if this is true why do they insist on checking it? How would you know if that was why you weren’t hired they certainly would never admit it if it is illegal? I know this is a separate question but the last time I asked a similar question on this website my email kept saying I had a new answer but every time I looked there was no answer to read. When I pulled up my question It said there were four answers but when I looked at the question , only one answer was showing.


Is there a site to get a free credit report without signing up for anything?

All the free credit score” sites offer you a free score


Oldest shark found alive?

Thank you all for posting your answers. The video is amazing.


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?


International F1-OPT students can get student credit card while in OPT???

Since it’s OPT the student in neither full time or part time, but because of the visa status, teorically, a person still student. Do you think I could still get a student credit card ????

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


Didn’t receive my credit report…?

thank you but i think you misunderstood me.. i didn’t order the report online at equifax.com or anything like that… i did call the number you wrote there… that’s the automated machine i’m talking about.. once you dial the 1-800-465-7166, the automated machines comes and prompts you to order a report over the phone… and i was trying to mention in my question above that I did order it by phone successfully, and it said it would be mailed to me in 3-5 business days… and today is either the 7th or the 8th day and still no report…. so to my feeling if equifax has mailed it which they most definitely did.. then it’s a postal mishap or something.. i’m just confused because i was anxious to see my report and now i’m waiting and i can’t even call the damn bureau to find out from a real person…the machine is like… the only thing that’s operating on that number… what to do??????


Should I file for bankruptcy, consolidate debt or get on a debt management plan?

Right now I am drowning financially. I am trying to get on my feet and on the road to a great financial future. My debt situation right now is that I have college loans, credit card debt and basically not enough income to pay down both at the same time. For the past few years I have been paying down my credit cards and been on a forbearance status with my college loans but this is getting me no where. Its down to one or the other, I pay my credit cards down or pay down my college loans. Is bankruptcy something I can bounce back from? Will consolidating my credit card debt really help? What to do?


My husband passed away he had a mortgage in his name only can they demand all the money owed on loan?

because he passed away?


Dispute w/ TransUnion about Repossesion?

My husband & I returned a car about 2 years ago & it hit our credit reports as a repossesion. We filed an online dispute through TransUnion because we dispute the amount listed that we owe. They say we owe the original amount of the loan but what we really owe is the amount of the loan minus the amount they later sold the car for, which is a $4000 difference. The dispute came back from TransUnion saying that we can mail in documentation supporting the amount we owe which we do have, but my real question is, should I send the documentation with a letter saying I will only pay the amount listed on the paperwork, to the financing company for the car. Also if I should write the financing company a letter what should I say in it. Any help would be greatly appreciated. Thanks!!



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

Capital One Platinum Visa credit card?

I have a capital one Planity credit card, they gave me a $2000 limit, I’m a college student. My interest is around 20%. Does anyone else have the Captial one Visa Plantium Credit card and if you do what are your thought on the card and there customer service.


What credit bureau (TransUnion, Equifax, Experian)does US Bank use when it pulls a consumer’s credit?


Whats the highest apr you can be charged for an auto loan in illinois?


My house is being foreclosed, what should I do?

I have these options: 1. have the have foreclosed and face my bad credit score and try to find somewhere else to live. 2. File for bankruptcy, pay the attorney $2000 and keep the house, but again face the credit score. 3. Sale the house and move on. Right now my house is in trouble of being foreclosed, I owe over $7,000 to the creditor, so I am asking what do you guys think the best option is. I really don’t want to hurt my credit score, but I also don’t want to be out on the street.

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


DO PREPAID CREDIT CARDS WORK TO ORDER CONCERT TICKETS ONLINE?

Okay, so. I’m really desperate, I really want to get tickets to see my favorite band because they might split up soon. The problem is that nobody in my family has a credit card, so I can’t get any tickets. I was wondering, if I buy a prepaid visa or something, will I be able to buy tickets or will I not?


Bankruptcy Questions Dealing With Loans, Apartment Evictions, And My Bank?

I have found it my best option to meet with an attorney to discuss my options with filing for bankruptcy. Among everything I have a few questions about a few things. First I am being evicted from my old apartment. Though I was the only one living there my original room mate’s name is still on the lease. She has had her own apartment for a while now and since I have to mention this to the attorney how will it be handled? Second I have two loans in my name that each have a co-signer. One of which my co-signer has an old car for collaterol. I have yet to get behind on the payments on these since I have had help but also would like to know how these will be handled if at all. And third is a question about my bank account. In the same week I lost my job and was in a car accident in which my car was a total loss. In the time I was in the hospital the fee’s have added up to over five hundred dollars. Is this something that bankruptcy could help with? I think this is my best option but finding information has been hard. I am just curious when it comes to these certain topics.


How does the change in heart rate help the body maintain homeostasis?

Honestly, I don’t know how to answer this. I looked it up and the answers I received were not sufficient or I didn’t understand them. Please help me!!!!!!! If you tell me to do my own homework I will report you because I NEED YOUR HELP!


How would i go on my parents car insurance? and how much cheaper than being on my own insurance would it be ?

ohh i can drive very well i have been since i was 13 but have to go on insurance now my parents said i could go on there insurance just trying to work out how to do it i.e internet quote and roughly how much i got a quote to be on my own insurance but it was £1800 for a 1.1 fiesta so would rather be on parents insurance


Nestor borrows $10,000 from the shady loan shark, Mr. Wildcat.?

Mr. Wildcat tells him he must repay the loan in 1 month and pay an additional $1000 in interest. If Mr. Wildcat is charging simple interest on his loan, what is the annual interest rate?


Where can I watch vampire diaries online for free with no credit card applications?

Please help me asap


Will being a co-signer affect there refinance?

Okay for starters we are not lousy money managers, I am only 24 and when I was younger made some REALLY REALLY bad choices when it came to money not thinking it would really matter what kind of credit I had, but now I am kicking myself for it, I have an excellent career making more than enough money to pay our bills we just need that foot in the door, plus we are trying to move and would like a little bit of a nest egg. The question was not what kind of money managers we were but whether or not it would affect his moms refinancing


Will my auto loan cover a little extra?

I’m pre-approved for $4000 but what if my car costs a couple hundred more? Or what if tax, title, license puts it a little over $4000?


A mortgage of 147 500 calculate the new monthly payment?

2. A mortgage of $147 500 at 4.5% compounded monthly is amortized over 25 years. After the original 7 year term, the mortgage is renewed at 3.25% compounded monthly. Calculate the new monthly payment.

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


Need help asap!!!! (about auto loans..)?

im living at home working full time and going to skool full time.. deal with my parents were stay in school and i could live at home.. so as of now i only need gas, food,insurence money, and play” money… i make 2000+ a month so i already worked everything out.. rough estimate gas=160 a month food=40 a month insurance for the car i want =180 a month. phone bill=70 month $$ into savings= 200 month.. so i can well afford up too 500 a month payment but only wanna go up to 450 at the MOST”


What credit bureau (TransUnion, Equifax, Experian)does US Bank use when it pulls a consumer’s credit?


How can I get a payday loan with no bank account.?

I need to get a 1000 dollar loan asap. I have bad credit and no savings or checking accounts.


What’s a good, SAFE website or way to check my credit score?

I thought about freecreditreport.com, but I just wanna make sure that’s safe and reliable. If not there, then where should I go? Thnks! 10pts Best Answer!


What are some good/safe/reliable ways of applying for a small-scale auto loan?

hi, I am a international uni student in the us. so want to know whether any auto- loan program is available for me here.


What happens at a Chapter 13 Bankruptcy hearing? We’re in GA?

My wife and I are filing chapter 13 bankruptcy. Our lawyer told us today that we would have to go to 2 hearings in court once we sign the papers for the bankruptcy. What exactly happens at these hearings? Are we going to get bombarded with questions by lawyers from the creditors? Is it a fairly smooth process I mean once we sign the papers the trustee has approved the repayment plan right?


Would anyone suggest filing for Bankruptcy in South Carolina? I need a debt solution!?




















































Why is my credit score 691 with equifax and only 550 with transunion?

Why is my credit score 691 with equifax and only 550 with transunion?

I just check both credit profiles from the 2 companies and there both accurate, but the score is way off

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


RELATED:

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..


I have S.S.I and I got 4 payday loans if I don’t pay back the 4 payday loans what will happen?


If I get a 36 month auto loan, are there rules where you can’t pay it off within say 12 months?


Mortgage question. Can i get a mortgage on 35k a year. If so, how much?

I am 24 years old, I am a college graduate with a secure job earning 35k a year. I have no monthly debt bills (My company car pays for car, car insurance, health insurance, dental, phone bill). My only bills are my electric, water, wife’s phone bill…I live in Florida. I am a from the UK living here on a green card so I really don’t have any credit score. I was wondering would I be able to afford a $110k-$120k mortgage? My father in-law would co-sign our mortgage with us as he has perfect credit. The thing is, is that at the moment we are paying $900 a month rent. Surely a mortgage would be cheaper than that. Any help would be great. Thanks!

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

What if you get a job while having ch.7 bankruptcy pending but when i filled i was not working?


Filed Chapter 7 and need to get house out of our name?

One of the responders said we have to get agreement from Bank of America for this? I just wanted to add that when you do a Quit Claim deed, the person you are conveying the property to does NOT have to sign it. So if we Quit Claim to Bank of America, we don’t need their signature to do so. Correct me if I am wrong….


Where can i get a real free credit history report?

i visited internet to get my anual credit history but i couldn’t get a free report where can i go to get my anual credit history. i visited anualcreditreport.com it asking me my credit card info. for a $1 fee


Why is my credit score 691 with equifax and only 550 with transunion?

I just check both credit profiles from the 2 companies and there both accurate, but the score is way off

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


Refinance a joint car loan?

Okay, first off. It wasn’t a buy here pay here, its a Hyundai dealership and a 2011 sonata so it lost value driving off the lot. Second we traded 2 cars in for the one, which we had loans on both so we lost about 8k there added onto the loan. The car is worth about 17k. No, it wasn’t the smartest decision, but I asked for answers, not advice telling me it was a stupid idea. Next time ill make sure I have 2 grand a month to pay for daycare instead of staying home with my son, you’re completely right. Oh and doesn’t have the income? Actually, we did both names for a lower interest rate, and he’s 33 years old, not 16 like use your noodle” seems to converse as he is. Thanks for your help to those who actually weren’t rude. :)”


I took out a payday online loan for $1500?

lost my job and my checking account I cannot pay back. what legal actions can the loan company take


I need to find a company that will clear my credit report after bankruptcy know anybody?

all derogatory information that remains needs to be cleared


Credit scores and credit reports . . .?

We all know we can get free credit reports. But they do not include the bottom line, that is, your credit score. How do we get a free credit score?


Can I get a mortgage on a 325k home with my income of 90K and 30% down?

While my income of 90K a year is relatively low,but I do have 95K available to put as a down payment. I know several ratios are used to calculate if i qualify, so i was wondering if i even could get a mortgage? what would my options be?


Car Loan approval?

OK so I applied for a car loan at a used car lot with in house financing I was only approved for 6k due to bad credit. Now if I go to another used car lot with in house financing will I still get approved for 6k or will it be less?


African Debt Relief – Receivership?

I guess to to reiterate. This is a choice like bankruptcy. A company can choose not to accept bankruptcy protection but it must face the consequences. An African country may resent a having foreigners intervene in their affairs, and if they don’t want it, they must face the consequences. No debt relief. No more credit. The word sovereignty for nations is like the word liberty for people. It’s not a free pass. It means you have to live with results of your decisions.


What do i need to bring with me for a payday loan?

I live in Ohio and need a small cash advance from one of those pesky lenders. I’ve never used one before so I am not sure what to bring with me.


Why is my credit score 691 with equifax and only 550 with transunion?

I just check both credit profiles from the 2 companies and there both accurate, but the score is way off

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


Is it possible to postpone student loan consolidation to wait for lower interest rates rates?

I graduated 6 months ago with several federal student loans combining more than 40K. Is it better for me to consolidate now or stay put? Will the fed cutting lending rates (now 3%) affect the interest rates that loan consolidators offer? Will i be offered either variable or fixed rates if i consolidate?


Is there a naughty online dating site with no credit card required? ?


SSDI Question. Judgment Proof?

MVD34 The current system is doomed to a massive reform within the next 10-20 years.” Possibly


Can Payday loans garnish wages in Florida?

So I took a out a payday loan from an online lender Plain Green, LLC which is a tribal lending entity wholly owned by the Chippewa Cree Tribe of the Rocky Boy’s Indian Reservation, Montana, a sovereign nation located within the United States of America, and is operating within the Tribe’s Reservation. I was able to make my first payment however, my financial situation has been pretty tight lately and I wasn’t able to make my second payment. Are they able to garnish wages? If I were to pay them something other than the amount due ($5) will they be able to sell my debt to a third party? Help please? How long do I have before they put this on my credit?


If you filed bankruptcy, what has the result been since? do you feel like credit is even harder to get?

Or does it seem like credit is even easier to get now. If you fillied bankruptcy are your credit offers better then before or worse then before, or no credit at all? im asking about after the 3 – 6 month period. Do you feel it was a wise move? or do you wish you did’nt file bankruptcy at all. I’m truly intrested in every ones opinon. Personally if i was a credit agency. During these diffcult econmics if i was a creditor i would give everyone exterme low rates like 1.9% on there current bills and credit cards, because i know that would be affordable, therefore making people more opt to pay now. then to regan my intrest yet still keep you as a customer raise the rate to %9.9 while everyone else raises it to %28.9 i keep you at %9.9percent knowing you would not feel ripped off and glad to pay a decent intrest rate. So please lety me know how bankruptcy affected you. Thank you! Michael


Auto Loans–what is a good credit score?

I know my credit score is horrible (540) and within the next 2 months most of the stuff will be taken care of on my credit report. What are dealerships looking for? I know they are loooking for people like me to make money with high rates on loans but what should mine be so they don’t screw me? Thanks!


Where in Australia NSW, can I buy an ouija board?

I was wondering where can I buy an ouija in NSW, Australia, I really want one on my birthday


How can I refinance a student loan or $46,000 I have at 8.5% into a lower rate?

I’ve also heard about student loan forgiveness programs. How is one eligible? I owe a lot of money and don’t make that much now. The interest alone is over $350 a month.

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


$600 Student Loan for College Spring 2009 Semester?

My financial aid does not kick in until Summer or Fall semester, but there is this class I am taking (4 Credits) this semester that costs around $600 or $700. I don’t have the money upfront due to bills and what not, and the tuition is due January 29th. Where is the best place to go for a small $600 student loan. (Once Summer/Fall comes, Financial Aid pays for all of my college)


What is the average interest rate on a car after filing chapter 7.?

Also BTW my score use to be 715! I am only 24 years old. It was EXTREMELY hard to do this. It feels like all of my work to getting a high score is thrown down the toilet. I did not have ANY late payments or collections on my credit. It was ALL good. When my husband lost his job our car payments went on the credit cards rent went on the credit cards. Then the interest increased BIG TIME! We tried to go to a credit consolidator and they told us to be late on everything for 3 months and they would negotiate the pricing and interest rates. That would screw my credit just as bad as BK so I decided to start over.


Does anyone know anything about payday loans in SC?

I am out of work and have an online loan. If I close my checking account, will I be charged with a crime?


Can my son apply for student aid with no help from father and step mother?

My son will be graduating from high school in June 2008. He received a scholarship from Iowa State University but it does not cover housing or food. He turned 18 in Feb. & due to complications with his step mother–moved out. Now his father is stating that he doesn’t know if he will divulge his/their information w-2 or whatever is needed to help assist with finacial aid to cover this because he chose to move. He has been living with his father since he was a toddler due to my job location. Please help!!! I cannot see my son not going to college because of such ingnorance in his father’s part. We are talking about his future. I filed Bankruptcy years ago and don’t know if I will be able to help either. SOMEBODY–please give me some good news or useful information for my beautiful, smart son who deserves better. I am so proud of him because he has worked so hard. I feel I have failed him.



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

Are credit cards worth it?

I’ve never had one, so bare with the obliviousness. Because of the apr, if I don’t pay back within a certain time then I’ll be paying more then the actual purchase? I had ok credit but with a large amount of student loans it is now poor and I want to fix it. I may switch to a credit union, and have cable in my name. I’m not sure what else to do other then a credit card at this point to start building. Is a low apr the best thing to look for, rewards, no fees or what?


Why is my credit score 691 with equifax and only 550 with transunion?

I just check both credit profiles from the 2 companies and there both accurate, but the score is way off


Where can I find a reliable credit repair company?

My credit is terrible because my mother has been using my social security number for her needs. When I asked her about it she said It is a mistake and they must have merged our credit reports.” Is it really possibly that our reports have been merged or is she just trying to cover her tracks? And where can I find a reliable credit repair company?”


Need bad bedt loan for debt consolidation – any advice?

I need to find out where I can a debt consolidation loan, even though I have bad credit due to some unforseen circumstances in life. Has anyone gone through this and who do you recommend? What about filing for bankruptcy – how long does that take before the debts are discharged?

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


Been with Palmetto Bank 23 years can I get a auto loan with them with bad credit ?

23 years is a long time loan amount 25,000


What is a military star card.?

i got a military star card in the mail. my husband is the one in the military. what is it? and i didnt order it or anything. do you have to order one for it to come in the mail or do you just get them in the mail and based on whether you spend money on it is if you get charged payment?


How do I file for bankruptcy?

How do I go about filing for a bankruptcy? Do I have to get a lawyer? Thank you


Can i apply for a top up on my personal loan with Bank of Ireland from Australia?


Are Payday Loans a Good Idea?

I’m running a little low on cash right now…


How can I get cash back from a Credit card without my pin number?

I am supposed to be heading out tonight but I am in a bit of a fix here because my friends being the people they are never told me the place we are headed to was cash only. So I have my credit card but have never used my pin number to get cash back. Usually I take money out of my checking account but I am at close to 0 now because I just paid my bills. The only money I have for the moment is on my credit card which I have no pin number for. So how does one get cash back? I could do a cash advance but all the banks close early on Saturdays and not one is open at this hour. I just found out minutes ago the place we are going to takes only cash and I am out of that. Is there anything I can do here?


Is there a payday advance center like amscot in new York?

can you let me kno the name of the company location and number if possible please


What companies will approve auto loans for people with credit scores around 550?


If I have a fleet” only restriction on my license

can I still get a motorcycle permit?”

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


What is the difference between the FDIC and the SIPC coverage?


Why is my credit score 691 with equifax and only 550 with transunion?

I just check both credit profiles from the 2 companies and there both accurate, but the score is way off


How can I get a credit score with out a credit card?

I know my credit is not that good but every time I try to get the score it ask for a credit card and I do not have one so how do I get my credit score


What are the negative impacts that can follow a person after he or she files for bankruptcy?

WHAT IS BANKRUPTCY?


What is the phone number for Experian disputes where I can reach a live person that can handle a dispute?

I have credit alert for $300 which is false on Experian, and when I call the customer service line the person will not put me through to a dispute/resolution department. They just keep telling me that the line I am calling is for customers only.They refuse to give me me any info on how I can actually call speak with a live human being to get this false charge off of my Experian report. Anyone have any idea of a phone number where I can get some real help? I’m about to pull my hair out!!! Thanks


I am in bankruptcy and feel as if i am more debted now than before, i feel like getting out at only 4 months.?

Is there anyone in my shoes, that can provide me with a better answer. If i break out of bankruptcy, i could lose my home (already paid for). Maybe i should ask for a lower payment. Please only serious answers, Thanks


Direct deposit going into a negative bank account?

I plan to set up a payment plan with the bank, I just need this full check for other bills and things like that.




















































Are the three credit agencies (Experian, Transunion, and Equifax) connected?

Are the three credit agencies (Experian, Transunion, and Equifax) connected?

I disputed an account in collection with Experian (it was deleted promptly because it was a mistake), and now it looks like the charge was also deleted from the other two agencies. I know this from creditkarma.com, creditsesame.com, and quizzle.com (all of which pull their info from each of the agencies.) But I never initiated a dispute with the other two agencies but somehow they got deleted anyway, which is fine by me. Anybody know if the agencies communicate with each other? I’m going to request my free reports in a couple of months just to make sure. Thanks!

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


RELATED:

What is the best route to take to repair poor credit.?

Imake good money but always have had bad cridit I want to buy me a home this year.


Anyone file bankruptcy alone without lawyer?

I’m wondering if anyone out there has filed bankruptcy on their own without an attorney? If so, what was it like? Was it hard or something an educated person like me could do?


I am looking for a LEGITIMATE Personal Loan Co.for bad credit. Serious answers only!!?


If AIG bankrupt, what happen to my life insurance?

I have life insurance with AIG which I pay annually, what happen if AIG bankrupt. Any similar experience?

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

Will Debt Management Programs mess up your credit?

Our credit rating is good+ but We’re struggling. And most likely will get worse. (lost good healthcare). I hear Debt Management Programs can help but will mess up your credit. Is that true? Most people who use them don’t care because their behind anyway. Lenders aren’t lending for dept consolidations or 2nd mortgages also. We have 2 homes, renovating 1 to move into, want to sell the other (we live in) when we can move in the other. Both are mortgaged. We have another house (3rd) that we are the note holders on and get monthly income. We tried to sell the note but can’t find a bank willing to buy a private mortgage. Any ideas or suggestions? Thanks


Highly advanced science fair projects?

I’m in 11th grade honors physics and I am required to do a science fair experiment. Yes, I’ve done many before, but I’m having an incredibly hard time finding and interesting, testable question that is appropriate for my grade level and difficulty requirements. It doesn’t have to be physics related, so I can do something under any science topic (biology/chemistry/etc.) I would prefer not to do anything involving humans, animals, or bacteria because it would require me to apply for an IRB approval which is a pain in the butt to deal with, but if the project is really good enough I wouldn’t mind the extra work… I don’t necessarily need or want an entire, complete project, just a good question/problem/theory that I can branch off of. Please keep in mind the amount of difficulty required! Thanks!


Should I apply for a credit card?

Should I apply for a credit card? My rents tell me no but I’m not sure! They say it’s bad, but I think that it depends on how the person does act with it! I s there an age limit to credit card activation?


Are the three credit agencies (Experian, Transunion, and Equifax) connected?

I disputed an account in collection with Experian (it was deleted promptly because it was a mistake), and now it looks like the charge was also deleted from the other two agencies. I know this from creditkarma.com, creditsesame.com, and quizzle.com (all of which pull their info from each of the agencies.) But I never initiated a dispute with the other two agencies but somehow they got deleted anyway, which is fine by me. Anybody know if the agencies communicate with each other? I’m going to request my free reports in a couple of months just to make sure. Thanks!

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


HOW SOON CAN YOU BUY A HOUSE AFTER BANKRUPTCY?


Is it possible to avoid buying a house with a loan?

Last year, I bought a car with a loan. Even though I was keeping up with the payments for literally a whole year, I later lost my job, fell behind on my payments and the car got reposessed. At that time it hit me: You may have enough money to pay for the loan at the time of purchase, but one unfortunate situation, you lose your job and end up losing everything. I can live without a car, but not a house. It has become my understanding that loan companies don’t care that you lost your job, they don’t care that you can’t collect unemployment because the company faulsely accused you of willful violation of the company policy


Online pay stub generator good enough / legal enough for payday loan?

My gf desperately needs to get a payday loan from check into cash to make a payment to start college by tomorrow. It’s a crappy situation, but has to be done. Her paycheck stubs are online but she cannot remember login details and the ppl she works for won’t be back until Monday (too late). I searched online and found pay stub generators. What are these? Are they legal? Would they work for the purpose of obtaining payday loan? Thanks in advance. Everything is 100 percent legit and all other documents needed are present. It’s just a time sensitive issue.


Can banks show up at your door during bankruptcy?

in the state of ca…can banks show up at your door during bankruptcy provokating?


Are we able to refinance mortgage?

Can anyone please help me? My home is currently in my husbands name & he recently filed chap 7 bankruptcy. We are now behind on our mortgage. Is there any way we can refinance the home into my name? What if I also have bad credit?


How can i get 1200 dollars fast?

i have bad credit i need it for court i cant ask anyone they are all broke and i have no job, i should just kill myself!! i need real answers please thnaks, i tried payday loans they dont work


Runescape/Jagex:Bankrupt!?

Is jagex seriously bankrupt and runescape is going to end in 5 years?!?! there’s only 165,722 players left 1/3 of them members! I need this cleared up know because if their going bankrupt im not going to rejoin with all this crap going around!


How long does it take to get approved for a car loan through a bank?

My husband was planning on going tomorrow during his 1hr lunch break will this be enough time?


Are the three credit agencies (Experian, Transunion, and Equifax) connected?

I disputed an account in collection with Experian (it was deleted promptly because it was a mistake), and now it looks like the charge was also deleted from the other two agencies. I know this from creditkarma.com, creditsesame.com, and quizzle.com (all of which pull their info from each of the agencies.) But I never initiated a dispute with the other two agencies but somehow they got deleted anyway, which is fine by me. Anybody know if the agencies communicate with each other? I’m going to request my free reports in a couple of months just to make sure. Thanks!

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


Merchant loans is scam or what?

merchantloans.com seem too goood to be true to me is it?


I accepted too much loan money, should I just send it back?

Ok sorry if this is a stupid question, I’m new to student loans. I accidentally accepted too much of the stafford loan offered to me. I don’t want to hang on to this money I don’t need and have interest added, so can I just pay it back right away? Or can I not make loan payments until I’m out of school?


Looking for a bad credit loan. from 10-15 thousand is what I need. any places I should check out? in dire need?

I need a loan unfortunately I’ve made the mistake of messing up my credit. I’m looking for a reputable bad credit loan. I am aware that the interest will be higher but that’s okay. I need the money like yesterday. I need anywhere from 15-20 thousand for a loan. I need it for school and other expenses. If anyone knows anything please let me know.Please no judging or criticism.


A Friend of mine is thinking of declaring bankruptcy..How fast does one recover?

A friend of mine is thinking declaring bankruptcy as an option to start over..I don’t know anything about it except that it stays on your record for 10 years..How fast can one recover and start over?


Building credit with sears credit card?

i have been applying to multiple places to get a credit card in order to build more credit. however i have been denied due to lack of credit. i am only going to use it once or twice a month and pay it off immediately. well i finally found a place(sears/kmart) that will approve me for a credit card. the only problem is that i really don’t do a lot of shopping at these stores, so i was wondering what is the minimum i would have to spend and repay each month on my credit card for it to contribute to my credit rating? for instance could i just go in there once a month and buy a pack of gum with credit card, pay it back, and have it help my credit score? thanks


Does Borrowing Money From Title Loan Places Really Help Your Credit?

I know that not all of them do, but I’ve noticed that some mention they will report your on-time payments to credit companies so that you can build your credit. Due to a car accident that I was not at fault for, I was left with medical bills and no job (I lost my job because of the accident, also) and now that I’m getting back on my feet, I am looking for ways to build my credit, but I can’t find a bank that’s willing to help me by taking personal bank loans, because I am just now 20 yrs old and no one’s looking to lend money to young people right now. My question is, should I waste my time with these title loan/quick loan places that say they report positive payments to your credit or look at other options?


What does escrow mean? what does subprime mean? what does equity mean? what does foreclosure mean?


What are they lyrics to all the free credit report.com commercials?

To every Commercial.. there my favorite and they ROCK… well actually THE FREE CREDIT GUY ROX… – Arisu

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


What do they take when you declare bankruptcy?

Ok so here’s the deal my parents are thinking of declaring bankruptcy, my dad just bought me a car recently is paid for but now im paying him back in payments, by the way we put the car under my moms name till i finish paying it off to them. what i want to know if they declare bankruptcy will they take the car away from them even if its paid for? i don’t know if this matters but my dad has a little over $500,000 in debt.


How do you pay back fafsa loans now?

Trying to start paying off the loans I just started, but can’t seem to log in to fafsa. My school student self service brings me to their site. It says If you are logging in to view your account


Whats the best cash advance site for a small loan?

I only need $250 right now! I can pay all of it back before the end of this month! What is the best site that will give me the money immediately?? And they have to accept bad credit as well. Anyone have any recommendations and how these cash advance company’s work?


Where is the best online site to check my credit score?

i’m looking for a FREE web-site to check my credit report. don’t want it to be one of those sites that try to get you to sign up for year long stuff, plz help!!!



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

How do i get credit if i never had credit?

i went to a free credit report sight and i didnt have a score but i owe 435 in one medical bill.i would like to get credit but dont know how to go about getting it


Are the three credit agencies (Experian, Transunion, and Equifax) connected?

I disputed an account in collection with Experian (it was deleted promptly because it was a mistake), and now it looks like the charge was also deleted from the other two agencies. I know this from creditkarma.com, creditsesame.com, and quizzle.com (all of which pull their info from each of the agencies.) But I never initiated a dispute with the other two agencies but somehow they got deleted anyway, which is fine by me. Anybody know if the agencies communicate with each other? I’m going to request my free reports in a couple of months just to make sure. Thanks!


Cosigning a loan, will it affect me getting a loan?

My best friend asked me to cosign a loan to help her buy a car, because her car was totalled and she needs a way to get to work. Since she moved across the country and only knows me, if I don’t help her, she has no way to get to work unless I drive her, so either way I’m stuck having to help one way or another. If I do end up cosigning for a loan, will that affect the chances of me getting a loan in about 7 months? I plan on getting a new car next spring/summer and will need to loan some money from a bank. If I help my friend by cosigning for a loan, will that affect the chances of me getting my loan? I have good credit right now.


I lost my social security card with my state id number of months ago?

i already requested for a new one and had them already.. now am worrying that some might use my identity since a i lost it together with my state id in my wallet.. what should i do?

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


Where do I find a counter-petition” form and instructions on how to file one for a divorce in Texas?”

Please help me. My husband is an abuser. When he found I was about to file for divorce, he went & beat me to it, go figure. He filed himself pro se”


Does anyone know a low rate payday loan service?

I’m looking to take out a payday loan for Christmas but I don’t want to pay out of the butt- Please let me know of any company that you have used not just one that you searched. Thanks


How old do you have to be to get an auto loan?

They will not give my mother one because she has an open loan.


Would I loose my house due to bankruptcy?

I’m falling behind on my payments due to my job being very slow and cutback on hours. I have two credit cards that I fell behind three payments on both. If i was to file for bankruptcy would I loose my house. I haven’t fell behind on my house payment because I am barely making enough to pay that and utilities.


Should I refinance my auto loan again?

I have a good credit score. My goal here is to shorten the life of the loan, of course lowering my interest rate, so I can pay off the car faster so there will be equity built up when the time comes to trade it in. I think saving 25, 50, or in my recent case, 100 dollars a month in interest, outweighs refinance charges. Does that explain it better?


Can I withdraw my bankruptcy petition and refile in a different county?

I filed chapter 7 back in may of 2010. We are no in December and my bankruptcy case still has not reached a decision. My lawyer screwed me over and caused a huge ordeal and investigation into my bankruptcy and has caused it to continue for so long with no end in site. Can I withdraw my petition for bankruptcy in one county and file in another and use a different lawyer? I live in the center between two county’s so both our close in proximity to me.


If i get my credit score from equifax does that affect my credit at all?

I am looking to get my credit report off of equifax, but will this affect my credit rating as it is a search on it?


Find web site for tower loan auto financing?

buying a used car


What does – Owner will hold mortgage – mean?

What does ‘Owner will hold mortgage’ mean?

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


Where can i get online payday loan?


Are the three credit agencies (Experian, Transunion, and Equifax) connected?

I disputed an account in collection with Experian (it was deleted promptly because it was a mistake), and now it looks like the charge was also deleted from the other two agencies. I know this from creditkarma.com, creditsesame.com, and quizzle.com (all of which pull their info from each of the agencies.) But I never initiated a dispute with the other two agencies but somehow they got deleted anyway, which is fine by me. Anybody know if the agencies communicate with each other? I’m going to request my free reports in a couple of months just to make sure. Thanks!


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?


Which is the Best credit card in chennai?


Are there any mortgage options that allow a borrower up to 100% Loan to Value?

We’re almost up to 100% Loan to Value on our loans (1st and 2nd), with the market in a slump, are there any options to just refinance and get a better rate (no cash out)? So far no lender I’ve come across won’t touch my loans because I’m past the standard 95-96% LTV and I’m struggling with the amount I pay each month on my mortgage and I really don’t want to lose my house, so I’m just looking for a better rate to lower my payments. My credit history is good with NO late payments, please give me some advice.


Is 2.99 a good apr rate?


Payday loans right before Chapter 7 Bankruptcy filing?

I got two payday loans right before filing chapter 7 bankruptcy to help with the court chapter 7 filing fee. I filed Pro Se. The loans both totaled $500 dollars . Do I have to repay (or reaffirm )them since they were less than the $750.00? .Also taking the loans less than the 70 days of filing the bankruptcy . I did not know this before I filed . Only after doing research did I discover this.




















































TransUnion question…. No score showing, why?

TransUnion question…. No score showing, why?

@StephenWeinstein, what I mean was (when I went back and re read your answer)… If I need something on my report for a score to show then why is there a score for Equifax & Experian when I have nothing on my report for them either?? In the last nine months or so I had 2 negative things removed, why would I want to add more back to my report when I’m trying to repair my credit?? In the future when my credit is checked, it may ding my score but why add new things to my report?? Makes no sense

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


RELATED:

Student Loan Cosigner W/ Bad Credit?

I am getting a private student loan and was going to have my father co-sign it but it turns out he has horrible credit. Is there any benefit to still having him co-sign?


Bankruptcy attorney denver colorado area?


What ways can I improve my Credit Score?

I’ve been thinking allot about my credit score and how i have bad/no credit. I haven’t been able to check. But i really want to improve my credit since i’m still young. I was thinking of getting a credit card, but my dad told me if i get it to beware of misuse. So what ways can i improve my credit score??? Also i read something about how credit score isnt the same as FICO score. How can i improve that too if it’s different?


5,000 in Debt?

Ok I’m 5,000 dollars in debt and I have about 3 leanders. My question is if I tell them I will pay each one of them 50 dollars a month will they go for it? And if they do will they take is off my credit? or will it stay on my credit till I pay them off all the money?

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

How & where can get a 30,000 home loan/ personal loan with a 1500 down payment/ Good Credit?

My family and I have seen this house originally worth $110,000-$160,000 however is being sold for $29,900. I have the know how and connection to fix the property. I just need a bank to loan me the $30k. I have $1,500 (maybe can make it $2k if needed. to put down and will include a home insurance (142/month) along with tax with my payments. I am responsible and dependable. It just banks don’t authorize home loan for under $50,000. Is there something else I can say to them (speak to them directly/in person) or maybe attempt another approach. Also I recently (7 Month ago) been promoted to administrator of my division, been with the company 8 months (not going anywhere) I believe I have a 710 credit score and I make roughly 31k a year + bonuses and extra work.


Credit cards for young adults and college students?

I will be 21 in April i have 0 credit. I am a first year college student. What is the best way to build credit or the best credit card to get. I work 2 jobs one retail making about $8.75 per hr then with people with special needs making $11.38 per hour.


Which bank has lowest interest rates for Car Loan in INDIA?


TransUnion question…. No score showing, why?

@StephenWeinstein, what I mean was (when I went back and re read your answer)… If I need something on my report for a score to show then why is there a score for Equifax & Experian when I have nothing on my report for them either?? In the last nine months or so I had 2 negative things removed, why would I want to add more back to my report when I’m trying to repair my credit?? In the future when my credit is checked, it may ding my score but why add new things to my report?? Makes no sense

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


Old payday loan. calling now, threatening. I asked for something in writing, refused. any recourse?

This was 3 1/2 yrs ago. I am not denying that I had the loan. I really don’t know for sure if I paid it or not. Times were very bad then. If I really owe it, I’ll pay it. I just wanted something in writing, to review. If was refused, that seems fishy to me, like maybe they don’t really have a leg to stand on. However, either way, I can’t deal with the constant threatening messages.


Paid off a car loan, now I want the lienholder to sign title over?

I previously purchased a vehicle from a buy here


Is filing for bankruptcy a option I should choose?

I have about $9400 dollars in a credit card bill. It has gotten to collection attorneys. I was in an accident and the place where I got the car did not have gap insurance. So, I owe about $3900 on that which I have been unable to pay since March of 2011. I also owe about $4000 in other bills that I have not caught up on. So, I’m in serious debt. I lost my job and have recently found a full time job. But I feel I am in over my head. I would like to know: A. What kind of payment arrangements will the collection lawyers want, and will they negotiate? They said I can make amicable payment arrangements


Chapter 13 Bankruptcy and tax refund question?

Is your tax return frozen” if you are in a Chapter 13 bankruptcy? Does the IRS just hold the money? Or


Im looking to apply for a credit card, what do i need to know?

Hi, im 24 year old student and im looking to start establishing credit history by getting a credit card. I was told that i should get one with a low apr and make small purchases then pay them off within a week. Can you offer any more useful information?


Is Make a Wish going bankrupt?

There is a video going around the internet that make a wish is going bankrupt. Is this video real or fake? here’s the link: http://vids.myspace.com/index.cfm?fuseaction=vids.individual&VideoID=26293422


Is there any place that you can check your free credit score and report?

Is there a way to get a free credit report?I tried but they only offer a Free Score”


What happens with your credit report if you change your first and middle names?

I changed my first and middle names and now when I try to get my free credit report it says that it cant find enough information to give me a report. Before the only thing I had was when I was medically discharged from the Army and they wanted me to pay back $10000 for my bonus. I make $699 a month and there is no way I could even pay some of the money back. So my questions are: If someone like a land lord checks my credit with my new name will anything show up since nothing shows up when I do that with the new name? Will my old name show up and if so how do I get rid of the name from being on my credit report? Thanks! Kate


TransUnion question…. No score showing, why?

@StephenWeinstein, what I mean was (when I went back and re read your answer)… If I need something on my report for a score to show then why is there a score for Equifax & Experian when I have nothing on my report for them either?? In the last nine months or so I had 2 negative things removed, why would I want to add more back to my report when I’m trying to repair my credit?? In the future when my credit is checked, it may ding my score but why add new things to my report?? Makes no sense

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


What is the best way to pay off $12000 in combined credit card debt?

Im about $12000 in debt and want to get out now before I get more in debt. Im young, don’t own a house and have a credit score of around 698.


Denied prosper, credit union, and etc. Desperately need a 3000 personal loan.?

Struggling college student, drowning in credit card debt. need a personal loan of 3,000. single-parent home with no extended family.. any suggestions? or am I SOL


How much money can a person have/keep in a bank account during and after a bankruptcy?

How much money can a person have/keep in a bank account during and after a bankruptcy? In Missouri. I have been looking everywhere for this info. I found one source that says $4000, but I don’t really trust if I only see it in one place. Best answer will be given for anyone who can give an answer along with a reliable source.


How Much does It Cost to File Bankruptcy?


I need help with this related rates calc problem?

A plane flying horizontally at an altitude of 1 mi and a speed of 500 mi/h passes directly over a radar station. Find the rate at which the distance from the plane to the station is increasing when it is 2 mi away form the station.


Who is the band that played on the latest freecreditreport.com commercials?


Where can I find buyers for business loan leads?

I’m involved in a new venture generating high quality loan leads in the finance sector. A range of verticals are involved such as commercial mortgages, unsecured business loans, equipment leasing loans, mixed use loans, cash advance business loans etc etc. The leads are to be generated by SEO techniques and can be sorted for literally any combination of field settings needed. They can be exclusive if need be and will be immediate. Long term I hope to negotiate a fruitful relationship with lenders and/or brokers, but in the mean time I need somewhere to pass the leads on to, at least until I can provide traffic figures and lead gen stats to potential partners. I know of Leadpile, Leadvibe and such places but they tend not to deal in the verticals I am intending to work in. Are there any companies that will take all the leads I generate/or some until I’m able to get a foot-hold in the market?


How to raise my credit score?

A couple clarifications: the student loans shouldn’t be a big problem, as I am a graduate student and the median income on graduation for people from my school is $140,000. Also, the credit card actually is a credit card, not a debit card. The person who told me that if I pay my credit card off every every month, the credit card provider will not report my card to the credit bureaus (or however that all works…) was a loan officer at a bank. So I’m wondering if he knows what he’s doing? Thanks again for your answers!

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


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


Im looking for a job and got an email, they are asking a question im not so sure about?

Im scared to get scammed or anything. this is what the email said To accept these terms and move on to the final stage of the recruitment process


Im 17 and have no credit, but I have a job. Can I get a car loan?


Calculating Interest Expense?

You receive a credit card application from Shady Banks Savings and Loan offering an introductory rate of 1.5% per year, compounded monthly for the first six months, increasing thereafter to 18% compounded monthly. Assuming you transfer the $5,000 balance from your existing credit card and make no subsequent payments, how much interest will you owe at the end of the first year?



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

How can i find somebody to lend me £2000 i keep getting turned down by lenders but i have money to pay back?

i need it to get to the philippines to meet my new love and get her visa so she can get back to england and marry me


TransUnion question…. No score showing, why?

@StephenWeinstein, what I mean was (when I went back and re read your answer)… If I need something on my report for a score to show then why is there a score for Equifax & Experian when I have nothing on my report for them either?? In the last nine months or so I had 2 negative things removed, why would I want to add more back to my report when I’m trying to repair my credit?? In the future when my credit is checked, it may ding my score but why add new things to my report?? Makes no sense


Anyone knows any WILD camping site near london?

Me and my mates are eager to camp but we dont want go too far in london for safety reasons, any nearby wild camping site will do aslong as we are allowed to drink alcohol and be loud at night. please provide a link if possible =] THANKS in advance


How do i get a free fico report online?

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


Does every dollar bill come with a debt attached?

Thanks but not what I meant. I watched a program which said that every dollar bill comes with an automatic debt. I was wondering if that was really true.


Does anyone know loan shark in sydney pliz help me?


Where can i get my free annual credit report as mandated by the government?

I know a law was passed that makes it possible for all consumers to get a free credit report once per year. And yes I’ve tried annualcreditreport.gov and also freecreditreport.gov but my browser (google chrome) keeps saying oops! sorry can’t access try reloading. Can someone please help me. I refuse to pay for a credit report when I have a right ( by law ), to a free one.


How soon after Chapter 7 bankruptcy can you buy a new house?

How soon after Chapter 7 bankruptcy can you buy a new house?


My car was 11,000 with an 25% interest rate how much do I owe in interest?

As you can see above they say my total is almost 16,000. but when i calculate my loan by the interest rate (using the excel formula) i’m getting that i owe i only 13,000. Are my calculation incorrect?


How can I find out my credit score?

I’ve never had a credit card but I have paid off things in monthly cash installments. This still effects my credit rating, doesn’t it? My question is, how can I find out my credit score without a credit card?


Filing for bankruptcy in california (do i have to show up in court?)?

if i file for bankruptcy in california… do i have to show up to court or can my attorney just appear for me? what are the chances that my credit card lender will appear in court to contest a 15,000 credit debt?


What is the best company for overnite cash loans/advances? pay day loans?

my payroll dept screwed up my paycheck. i wont be getting it until 3 weeks now and i need to pay my rent by the 1st. i need a small payday loan cash advance.. whats the best company to do so??? i know nothing about these… any experiences would be wonderful..


Looking for a bristol loan shark?

urgently seeking a private loan shark in bristol am employed and able to pay back 🙂

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


Can I get a free copy of my credit report if I was declined for a credit card?

And are there any negative effects on my credit rport because of this?


TransUnion question…. No score showing, why?

@StephenWeinstein, what I mean was (when I went back and re read your answer)… If I need something on my report for a score to show then why is there a score for Equifax & Experian when I have nothing on my report for them either?? In the last nine months or so I had 2 negative things removed, why would I want to add more back to my report when I’m trying to repair my credit?? In the future when my credit is checked, it may ding my score but why add new things to my report?? Makes no sense


If I quit the Naval Academy, do I have no chance of ever becoming a Naval Officer ever again?

I’ve been experiencing many issues with adapting to the lifestyle and environment of that Naval Academy and don’t know how much longer I can go without cracking mentally. I am a prior enlisted Nuke and don’t think this place is for me whatsoever. I highly regret being here and keep thinking I should have gone STA-21 since I have over 2 years of college credits at an eligible university for the program with a 3.5 GPA. What should I do in this situation? I also have a lot of financial debt that can’t be handled since our paycheck amounts to pretty much nothing.


How do I find out all the debts that are linked to my social security number?


I own a 1972 Chevelle ss 454 whats the best way to get horsepower out of it?

Government emissions law were getting strict and the horsepower rating were going down and I was curious on how to get them back up in the 300 or higher. thank you


Where is the best and safest place to get an unsecured loan if you are a tenant.?

I am looking to get an unsecured loan as a tenant but am finding it very frustrating as when you shop around and apply online to see the best deal, you leave a ‘footprint’ on your credit history which then has an adverse affect on your credit rating which makes the next search more expensive and then eventually impossible as the more inquiries you make, the worse it gets! I need to shop around for the best deal but as you know, you cannot see the rate you will be charged as it will be set to suit your individual circumstances.How on earth are you supposed to get the best deal without making an application. If you make an application and find the rate too high, you then apply again to another lender who sees that you you have made more than one application for credit and therefore the rate goes up! Please advise.


Has anyone ever had luck getting the interest rate lowered on their JCPenney’s Card?

I want to know if anyone has ever called JCPenney to get their credit card interest rate lowered and were successful? What tactic did you use? I was recently unsuccessful, they wouldn’t budge. I had good luck with our Discover More Card yesterday they lowered our interest rate from 18% to 9.9%. Thanks for your input!