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?




















































I need help understanding why I didn’t get the auto loan?

I need help understanding why I didn’t get the auto loan?

I am twenty years old, I will be twenty-one in one month. I went to my bank to try to get an auto loan, but they declined unless I were to get a co-signer. I don’t think that I need a co-signer to buy a new car. I make about $1700 a month and I want to put 5000 down on a new car and the car price will be in the 18-19,000 dollar range. Therefore, I will only be financing about 14,000 dollars. My credit score is in the 700’s- so I am really confused. If I find a car that I really want, is it easier to finance through a dealer? The only answer I can come up with is that banks are harder to get loans through or that they are discriminating based on age….my credit is perfect…..any help would be wonderful!

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


RELATED:

Anybody knows a auto loan company with good rates?


Auto loan and home loan combine the two good or bad?

have auto loan and home loan same bank should i have auto loan applied to home loan one intrst % fee not two and only one monthly payment not two loans talking about two % $ that is if intrest rate for loan same ?


Can use my husbands income on auto loan?

i’m a stay at home mom if i tired to get an auto loan could i use our household income or does it have to be money that i earn. my credit score is better and my husband has an old repo from before we were together


Can I roll the balance of a GMAC auto loan into a Toyota Financial Services auto loan?

Considering a trade-in value of about $10,000, the remaining balance of the loan from GMAC will be about $3,000. Can this be rolled into a Toyota Financial Services auto loan?

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

If something only says credit card, can you still use a debit card?


Is it ethical for a non profit 501c3 organization to loan money?

Can a non profit organization 501c3 loan out its donors dollars to a newly hired employee in the form of a short term unsecured bridge loan? ($25,000) It doesnt seem right, am I wrong for thinking so?


Bad credit, i need a car financed, already have an auto loan out?

okay heres the deal i have an auto loan out on the car i am currently driving. i want to take a 3,000$ loan out for my daughter next month so she can have a car that is reliable. i have bad credit, and not much money to put down either, i cant get a co signer either unless it is my daughter. she has no credit because she just turned 18, but she doesn’t have anything against her yet. we have about 500$ to put down on this car. any tips? there are a lot of in house financing places around where we live so were gonna try to go there. will they want more for a down payment? do they make you get insurance right there or can you get your own when you leave?


I need help understanding why I didn’t get the auto loan?

I am twenty years old, I will be twenty-one in one month. I went to my bank to try to get an auto loan, but they declined unless I were to get a co-signer. I don’t think that I need a co-signer to buy a new car. I make about $1700 a month and I want to put 5000 down on a new car and the car price will be in the 18-19,000 dollar range. Therefore, I will only be financing about 14,000 dollars. My credit score is in the 700’s- so I am really confused. If I find a car that I really want, is it easier to finance through a dealer? The only answer I can come up with is that banks are harder to get loans through or that they are discriminating based on age….my credit is perfect…..any help would be wonderful!

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


Who is the cute guy that sings in the freecreditreport.com” t.v. commercials?”


How To Apply For Payday Loans?

How To Apply For Payday Loans


Can I use a debit card to buy more ICloud storage?

I need more iCloud storage and I m trying to buy more with my debit card but when I input my information in says that my credit card has been declined. My question is, is there a way to buy more iCloud storage with my debit card at all?


Income to afford mortgage of 2800 month?

What should the household income be, roughly, to afford a home with mortgage payments of $2800 monthly?


Does any one know a loan shark in leeds that could lend me some money by 7pm this evening?

contact me via email please


Where can i download the f-r-e-e that spells free” credit report song so i can put it on my mp3?”

F R E E THAT SPELLS FREE CREDIT REPORT . COM BABY SAW THEIR ADD ON MY TV THOUGHT ABOUT GOIN BUT WAS TO LAZYYYYYYYYYYYYYYYYYYYYY TY VRY MUCH


Please help me.need somewhere that will give me a free credit rating?

i want to no what my credit rating is like?…but want a free report,not from say equifax or anywhere like that!!!


Im in a bad situation for the moment and I was wondering if anyone knew where to find a loan shark in New York?

I need 1400 by tomorrow and thats my only option. I’ve tried payday loans but no success…so if anyone could point me in the right direction of a back street lender it would be greatly appreciated


I need help understanding why I didn’t get the auto loan?

I am twenty years old, I will be twenty-one in one month. I went to my bank to try to get an auto loan, but they declined unless I were to get a co-signer. I don’t think that I need a co-signer to buy a new car. I make about $1700 a month and I want to put 5000 down on a new car and the car price will be in the 18-19,000 dollar range. Therefore, I will only be financing about 14,000 dollars. My credit score is in the 700’s- so I am really confused. If I find a car that I really want, is it easier to finance through a dealer? The only answer I can come up with is that banks are harder to get loans through or that they are discriminating based on age….my credit is perfect…..any help would be wonderful!

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


On average, how long is an auto loan offer valid?

Hello, without thinking I applied for an auto loan (through Drivetime) and was approved. However I would not like to buy a car for about 5 months. How long is the offer valid for if my circumstances/income/credit doesn’t change? Will I need to reapply and if yes, will the fact that it’s a reapplication hurt my chances of being approved? Thanks.


Getting Equifax emails…never signed up for that stuff. Scam?

It seems to me that two or three times a week, I get an email from Equifax” stating my daily credit score


Best bankruptcy lawyer in Las Vegas?

I am looking for the best bankruptcy lawyer in las vegas that won’t cost me and arm and a leg since I obviously don’t have the money. And possibly someone who takes payments, although I think most of them do. Any suggestions?


Will i be able to get a car after bankruptcy?

my husband and i are filing for chapt.7, and he told me that i will have to give up my car because its a bank loan??? he keeps telling me that we can get a new car before the final papers are signed??? im sooo confused by all of this…is this even possible? will i be without a car??


Which bank in the philippines gives the highest interest rates?


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

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


I need to make a business plan for my mortgage brokers. I need an outline to help me get started.?

A daily plan that can be used to set and meet goals. M-F weekly outline. breaking down each hour.


Can i sue my mortgage company for not paying my property tax when it is included in my monthly payment?

Can I see my mortgage company for not paying my property taxes when it is included in my monthly payment. My taxes and insurance is included in my payment each month an has been for the passed 5 years.my mortgage company has not made a property payment for 2 years,can I sue them for breach of contract?

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


Was wonder if anyone has ever discharged payday loans on a bankruptcy?


How do I get a free credit report in the UK, no strings attached?


Can you pay capital one bill with another credit card?

i charged a cell phone and want to put the difference on my bill when i get the rebate card from verizon


Why do you have to pay for your credit score?

If a persons credit report/score is so important and each of us has the right to know what may be on our reports, why do we have to pay for them?



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

I want to borrow money from a friend for a car, but want to build loan history for my credit. How?

I would like the auto loan to be official and in contract and also on my record to build loan history. What steps do we need to take to make sure it is counted?


I need help understanding why I didn’t get the auto loan?

I am twenty years old, I will be twenty-one in one month. I went to my bank to try to get an auto loan, but they declined unless I were to get a co-signer. I don’t think that I need a co-signer to buy a new car. I make about $1700 a month and I want to put 5000 down on a new car and the car price will be in the 18-19,000 dollar range. Therefore, I will only be financing about 14,000 dollars. My credit score is in the 700’s- so I am really confused. If I find a car that I really want, is it easier to finance through a dealer? The only answer I can come up with is that banks are harder to get loans through or that they are discriminating based on age….my credit is perfect…..any help would be wonderful!


Anyone know any catalogues for people with bad credit?

hi everyone! I’ve got bad credit from years ago being young and having kids etc, i want to know if anyone knows of any catalogues that will give you a credit account when you got bad credit, other than the simply be/fashion world and the rest of their sister companies, i don’t have a lump some of money to go out and buy the things i need and would rather do this. Thanks in advance xx and uk companies only thankyou xxx


What happens if you don’t pay a 300 dollar payday loan?

i got a payday loan but i cant pay it what will happen if i stop my bank account will it go to collections

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


Where can i get free credit reports from all the credit bureas?


Where can I read Linger by Maggie Stiefvater online for free?

I really nees to read this book, and I can’t find it online anywhere!


Can a bankruptcy judge make a creditor lower the interest payments on a car note?


Why is it when you want a free credit report” its never free?”

all i really want is a free credit report, not anything to do with a credit card, if i had one i wouldn’t need a credit report.


How do I do a credit check on myself?

My future landlord ran a credit check on me, of course, and he said it showed that I’m a cosigner on a loan! So far as I know, I didn’t cosign on any loan, so I’m concerned. How can I learn more? I have Identity Theft Protection with Discover Card and thought that tracked things such as this. Is there a way I can look up this info through that?


How does a loan shark look like?

How is his dressing like? And what does he do if you dont pay up?


How can I start to clean up my credit to where it won’t cost alot of money?

My credit is in bad shape and I would like to start cleaning it up so that I can purchase a home instead of always renting. My problem is I don’t know where to start or how to go about it.


Is it possible that Toyota will reconsider the APR on my auto loan if my income increased?

I currently have an 8.15% APR interest on a 9G used car. I was financed at age 22 with Toyota without a co-signor. My income was about 13K and now is 45K. Do you know if it’s possible for me to ask them if they will reconsider my APR? I have probably 6-8 months left to pay my loan off.


Is a 11.59% apr good for a 22k auto loan?

Im wondering if thats good its for a auto loan. Im only 19 so im not to sure on that. I can pay it tho. Can I have opinions?

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


Personal / Auto Loans for Fair Credit?

Does ANYONE out there know where someone like me could get a personal / auto loan? Or where there is to apply? I am looking for a personal loan for 25k to buy a truck. The problem is, it is a 2000 model with 79k on the odometer. Although it is a diesel, the banks dont want to finance one with that kinda mileage unless you have remarkable credit. My auto credit is perfect. Never a late payment in well over 6 years. That is with financing and trading in about 6 of them. The price ranges vary from 400 to 800 a month. The last one was an 06 Yukon we financed through GMAC with 0% for 60 month. I just paid off the 22k balance cash last week. Had I fount this truck sooner, I would not need the loan. I am looking for a company or bank that usually gives loans of this amount to people with a 650 credit score. Anyone????


I need help understanding why I didn’t get the auto loan?

I am twenty years old, I will be twenty-one in one month. I went to my bank to try to get an auto loan, but they declined unless I were to get a co-signer. I don’t think that I need a co-signer to buy a new car. I make about $1700 a month and I want to put 5000 down on a new car and the car price will be in the 18-19,000 dollar range. Therefore, I will only be financing about 14,000 dollars. My credit score is in the 700’s- so I am really confused. If I find a car that I really want, is it easier to finance through a dealer? The only answer I can come up with is that banks are harder to get loans through or that they are discriminating based on age….my credit is perfect…..any help would be wonderful!


Will I get any notification about tax offset from my tax return, due to defaulted student loan by my spouse?

She got a letter from debt collector saying they will garnish her wages, but it dosen’t say anything about tax offset. Should we be worried & will we be notified before the tax offset by IRS. We really need the money. Thanks for any input.


I have a AFNI collection i want to pay off?

I check myfico score it said i have a collection for $362 for fairpoint from my parents didnt pay. i want to pay it off but i call and they need a account number so i cant even talk to a person or email =RIDICULOUS. They havent called me for a collection so what can i do? I want it REMOVE.


I just filed bankruptcy how long til they take the car?

We did pay the car note for the last 2 months and we will be surrendering it in our bankruptcy. How long until they come get it or will the automatic stay” stall that?”


How long should I wait to try and refinance an auto loan?

Quick background… Received an auto loan in January with NO credit history for 9,000. Started working up credit with secured credit card and loan. My credit is only like 660 ( only have had it for 5 months) now. I know I won’t be able to now… but how soon is soon enough. I got it from USAA and have the payments taken out automatically.


Are there any online schools where I can take my prerequisites or should I try to get into a community college?

and take it through them? And I want to apply for a student. I just graduated in December of 2009 and my mother no longer takes of me. We don’t even speak. I was thinking that the student loan would help me out a little. Will the school allow me to get one?




















































I have a ‘advance recovery’ on my payslip and I need help understanding it?

I have a ‘advance recovery’ on my payslip and I need help understanding it?

By the way do you know what ‘advance recovery’ means on a payslip?

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


RELATED:

Will auto loan with co-signer help establish my credit?

I am trying to buy a car and build credit at the same time. I have almost a years worth of credit history specifically credit cards and charge cards. I have good scores, but limited history. I have been turned down applying for the loan by myself. I would like to cosign with a parent. Two questions. First, I was told that even if my parents scores are not the best, or even good, they have history. I do not have much history, but have good scores. And so, I was told that this would essentially be a match and I’d have a good chance of getting the loan. The second question is, if I were to get a loan with a co-signer in my parents, that it would primarily be in their name, building or hurting their credit? If they co-sign with me, and I make the payments, it will or will not affect my credit? I have a specific car in mind and the pricing online is attractive opposed to working with dealerships that have less then desirable cars that will work with no/bad credit for high interest rates.TIA


Will a bank or finance company finance a 72 year old woman with A-1 credit for a motorcycle or auto loan?

for the amount of about 9000.00 $


What can i do if i accidentally transferred money from my credit card to my bank account?

Is there any way I can transfer the money back to credit account? fees will I be charged?


Likelyhood of me getting approved for a personal loan..?

I am 20, I just applied for a 1,000 dollar personal Loan at a credit Union. I have had the same job for 4 1/2 years. I had two pay stubs with 250$+ Margins on them. I have never went bankrupt, and I have no credit. This is my first deal so to speak. What are the chances I get approved?

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

What is the best way to find out my credit score?

I don’t want to spend a lot of money on this, but I would like to see my credit score, if possible. I’ve tried a couple of the sites, but for whatever reason, it never shows my credit score. Does anyone know of a site, or another way that I can see my credit score? Any help is appreciated 🙂


Recent college graduate student with student loan files for bankruptcy?

I am a recent college graduate student who just started working full time. I own 120K on my student loan. I own an old car and I share rent with couple other people. I am thinking about filing bankruptcy so I do not have to pay my 120K back. What will happen if I do file for bankruptcy?


How long does it take for your credit score to change after getting a auto loan and paying on time?

i just got a credit card in november 2007 paid on time since just got auto loan in december 2007 paid on time i know it haven’t been long since but wondering when to expect change in my current score trying to build credit up one is 639 the other too is zero i’m just learning about credit and i take it very seriously wish i would have knew then what i know now about it it’s your life.


I have a ‘advance recovery’ on my payslip and I need help understanding it?

By the way do you know what ‘advance recovery’ means on a payslip?

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


How can i check my credit for free? Any suggestions?

How can i check my credit for free? Any suggestions? thank you


Sallie Mae Loan debt is not going down after 6 years of on-time payments?!?

In 2005, I got a Sallie Mae loan for $8,959 at an interest rate of 13.25%. I start making payments on it in Jan of 2007, always on time, and always more than the minimum amount (sometimes nearly double). Today, I check my loan balance and I see that my loan balance is $9,288.96, several hundred dollars MORE than the original loan amount. I’ve calculated up all of my payments over the last 6.5 years and these are the numbers I’ve come up with: Original Loan Amount: 8959.00 Outstanding Principal: 10648.62 Interest Rate: 13.25% Loan Date 11/16/2005 Repayments Started: 1/13/2007 Over the last 6.6 years: Total Amount Paid: 12176.07 Amt Applied to Principal: 2973.04 Amt Applied to Interest: 9154.67 Current Loan Balance: 9288.96 Capitalized Interest: 2546.00 This just doesn’t seem right that such a huge chunk of my payments are going toward interest, and that after 6+ years of payments, I still owe so much on such a small loan. Had this been a car loan for $10,000, it’d had been paid off years ago. Is this normal or should I seek some sort of financial consultant to help figure out why this thing isn’t going down?


Where do I get a free credit report?

Not annualcreditreport.com please, it’s FLAWED.


What happens to a borrower if the bank that holds their mortgage fails?

I’ve seen alot of media about what happens to deposit accounts with banks that fail (FDIC insurance) but what about those people who have credit accounts with those banks? The bank that holds my mortgage is different from the one that I uses for checking and savings and I’m certain that everything is FDIC insured as far as my income but what happens if my mortgage lender fails? will my mortgage be sold? would there be a forclosure? What a happens? BTW my mortgage is in good standing right now. Thankfully


Are there any bankruptcy lawyers in So. Cal. that will accept monthly payments to file a chapter 7 ?

We need to file Chapter 7 but we can’t come up with the money all at once.


Filing Chapter 7 for a second time in Michigan?

I filed chapter 7 in 2004 discharged in the same year. Now with the turn of the economy (although been employed now a year) was layed off for 2.5 years and threw this year still don’t see my self climbing free. My question is how long will I have to wait before I can filed bankruptcy in Michigan. Does it matter that I filed before the law changed? Please serious only keep the smart comments to your self!!!


How can I payoff a 180,000 student loan debt with a 30,000 per year income?


How can I get a credit rating? I have none.?

Dixie Darlin’ I think you mised the point. I can not GET any kind of credit account t o pay off to give me a credit rating. My Social Security Income is less than $600.00 per month, so there is no question of my being able to save up $300.00 or $500.00 or $1,000.00 in a savings account to get a Secure card or account to use in building my credit. I thought I could maybe rent something at one of those Rent-A-Center places, expensive as they are, to build my credit, but the weekly payments on the things I need are more than I can afford.


I have a ‘advance recovery’ on my payslip and I need help understanding it?

By the way do you know what ‘advance recovery’ means on a payslip?

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


How can I find out if someone in San Francisco has declared bankruptcy?


Debt settlement?

does anyone out there know anything good or bad about debt settlement companies?


How trust worthy is American Debt Settlement Group?

I talked to someone from that group with the address 7590 E Gray Road Scottsdale, AZ 85260 I want to know can I trust these people do help settle my credit card debt? How do I know it’s not a scam?


Couple of questions about writing out bets & settling procedure?

Couple of stupid questions, but it’s one of those things I’ll never know unless I ask! 1) Obviously, I can write £1 win, X, 2.30 Crinklyshire on a betting slip, put £1 as the total stake, and hand it over the counter to be processed. But can I put more than 1 seperate bet on a single slip? eg. I want to back X in the 2.30 (£1 to win) and Y in the 3.00 (£1 to win) Can I just put them on the same slip even though they are seperate bets, and not a double etc. I know 99% this is the case, it’s just to be 100% certain Which brings me on to… 2) How do highstreet bookies recognise” the bets from a slip? The staff member you hand your slip to just scans it at when you place the bet


Can I use a DEBIT card from one bank to get a cash advance with a BofA teller?

I have a new account at Ally Bank for which I have received my debit card. However, I have not yet received my PIN or checks, my rent is presently due and I’m going out of town tomorrow. Can I use my Ally Bank debit card with a teller at Bank of America to obtain a cash advance which I can then convert into a Bank of America Cashiers Check? When I was a teller with BoA, we would simply swipe credit cards for cash advances with the old school credit card machine, the customer would sign the credit card receipt and we would remit the funds. In principle, I don’t see why a debit card can be swiped in the same fashion; indeed, most banks prefer that customers sign rather than PIN for debit card purchases because of fees in their favor.


If a municipality goes bankrupt, do its pension liabilities disappear, too?

What happens when a town or city goes into bankruptcy? Are there specific bankruptcy laws about this in the U.S. Code?


Could me and my girlfriend move in with my parents at the age of 28?

I currently own my own house. I’ve been living there for 3 yrs now. About 4 months ago I sold my toys(snowmobile & moped), paid off 2 personal loans so i could let my girlfriend move in with me. We’ve been dating now for 4 years. We live pretty comfortably, but I currently have a lot of debt ($25,000 mortgage, $10,000 home equity, $4,500 credit card debt) I pretty much make the minimum payments on everything, which is gaining me no ground. She will be finishing college here soon and she too will have some student loans to pay off and then of course find a full time job, since right now she’s only working part time. I would like to have a future with my girlfriend (marriage..possibly kids down the road) but I can’t see any of that happening for at least 5 years. Right now, with the economy the way it is, its a good time to buy a house but not a really good time to sell, but I was thinking of putting my house up for sale. I’d sell for enough to pay off mortgage and home equity. If and when the house sells, my girlfriend and I would move in w/ my parents, w/ their permission of course. I would try to pay off my remaining debt and then save up some money so I could buy a bigger home for a bigger future. One of the reasons why I’m thinking of moving back in with my parents is because my house needs some fixing up. I’ve already put some money into the house (windows insulation) Now it needs vinyl siding, but i don’t want to put anymore money into the house if i cant get that money back out of it because of the economy the way it is, plus i really cant afford to get another loan right now. SO…What is your opinion? Should I ask my parents if we can move in with them or should we just do the best we can with what we got?


Amex Platinum Card application status?

I applied for an amex platinum card in canada online, and did not get a instant approval. Instead i was given a reference # and told to give them a call after 10 business days. what does this usually mean? did i get approved or denied? Do they need more information (i heard you have to mail them your passport/or drivers license, and proof of address)? Also say if i get approved, do they mail you the card? thanks

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


What do I do if my parents are bankrupt and I need a cosigner for a private student loan?

Ok, so here’s the situation. I need a private student loan to cover the cost of college tuition, but in order to get it I need a cosigner. My parents say that they can’t because of their Chapter 13 bankruptcy (which we’re still going through). Is this true?? and if it is what should I do?? Please, please I need some help


When does a motorcycle permit expire?

lets say for example… i got my motorcycle permit today, how long do i have to get my license before the permit expires?


Does anyone know the best consolidated credit co.?

I’m looking to consolidate my credit cards debt and want to know if anyone has experience on a good credit consolidation company or program? I would appreciate any feedback thanks


Can I take a loan out with my bank if I only have a debit card?

I’m aware that I have a non-existent credit rating because I don’t have a credit card (I HATE the things!) Would I be able to take a loan out with my bank? It’s a relatively small amount and can easily be paid back in a months time, I want to avoid the payday loans” as their interest rates are set to trap you in the loan.”



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

If you default on a car title loan will this negatively affect your credit rating?

I’ve never done a car title loan before but, I’m a assuming if they take the car, the loan should be considered payment in full. Am I right?


I have a ‘advance recovery’ on my payslip and I need help understanding it?

By the way do you know what ‘advance recovery’ means on a payslip?


Basic Accounting Help!!?

Watson Technical Institute (WTI), a school owned by Tom Watson, provides training to individuals who pay tuition directly to the school. WTI also offers training to groups in off-site locations. Its unadjusted trial balance as of December 31, 2011, follows. WTI initially records prepaid expenses and unearned revenues in balance sheet accounts. Descriptions of items a through h that require adjusting entries on December 31, 2011, follow. Additional Information Items a. An analysis of WTI’s insurance policies shows that $2,674 of coverage has expired. b. An inventory count shows that teaching supplies costing $2,318 are available at year-end 2011. c. Annual depreciation on the equipment is $10,698. d. Annual depreciation on the professional library is $5,349. e. On November 1, WTI agreed to do a special six-month course (starting immediately) for a client. The contract calls for a monthly fee of $2,400, and the client paid the first five months’ fees in advance. When the cash was received, the Unearned Training Fees account was credited. The fee for the sixth month will be recorded when it is collected in 2012. f. On October 15, WTI agreed to teach a four-month class (beginning immediately) for an individual for $2,861 tuition per month payable at the end of the class. The class started on October 15, but no payment has yet been received. (WTI’s accruals are applied to the nearest half-month; for example, October recognizes one-half month accrual.) g. WTI’s two employees are paid weekly. As of the end of the year, two days’ salaries have accrued at the rate of $100 per day for each employee. h. The balance in the Prepaid Rent account represents rent for December. WATSON TECHNICAL INSTITUTE Unadjusted Trial Balance December 31, 2011 Debit Credit Cash $ 27,245 Accounts receivable 0 Teaching supplies 10,478 Prepaid insurance 15,719 Prepaid rent 2,097 Professional library 31,436 Accumulated depreciation—Professional library $ 9,432 Equipment 73,341 Accumulated depreciation—Equipment 16,768 Accounts payable 37,249 Salaries payable 0 Unearned training fees 12,000 T. Watson, Capital 66,646 T. Watson, Withdrawals 41,916 Tuition fees earned 106,885 Training fees earned 39,820 Depreciation expense—Professional library 0 Depreciation expense—Equipment 0 Salaries expense 50,300 Insurance expense 0 Rent expense 23,064 Teaching supplies expense 0 Advertising expense 7,336 Utilities expense 5,868 Totals $288,800 $288,800


How can I avoid paying back my student loan?

Some info after reading responses: #1 Sorry this is so long, just didn’t want to get info I am already aware of. #2 The 7 year student loan thing is almost always guaranteed. #3 NO OPINIONS pleeeeeeaaase!! jeez #4 Credit is part of an overrated capitalist idealism that I don’t care for (a debate that i’m not interested in so far as this question goes). I’d rather just not pay back the money 😉

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


How much cash collateral is needed for a 300k loan?

So I’m trying to secure financing for a business I want to open. I don’t have the assets to borrow 300k on my own. But I have an investor who is willing to buy a chunk of the business for cash. So my question is how much would I need to be able to borrow the 300k? Actually whatever he invests I wouldn’t need to finance… ie if he paid 30k or 10% I would only need to borrow 270k… Thanks!


Is American Standard Online or americanstandardonline.com a scam? I called them but something is not right?

I saw their add in craigslist and the program seems too good, the only one thing is that I have to pay $199.00. Please Help!!!


What is the fastest way to remove a collection from equifax credit report?

Im in the process of getting a mortgage and all of a sudden this(collections) pops up on my Equifax credit file. I know it will hurt my score already. I need to know the best way to go about getting it removed. I heard even if you pay it off it will remain as a negative. Any good advice?


If i am a co-signer on my auto loan who’s credit is is being affected?

Last year I bought a car. Since i don’t have the best credit they told me i would get a lower interest rate if my mom was the main signer and i be the co-signer. I’m trying to build my credit back up and if I’m making all my payments on time who’s credit is being positively impacted? Her’s or mine?


If I owed HSBC Bank (through H&R Block) will they take their money from my refund this year?

v b – Don’t be so presumptuous. I never said I wasn’t repaying them. That wasn’t the question. Stick to the question and don’t venture off on something you know not about. Also, I’m not applying for an RAL. As I said before, serious answers only. None of you are God nor my mother so I would leave all of the presumptuous criticism at the door.


Met someone on craigslist. Wants verification?

nsaconnectverify.com ? it is fake?


Do men actually dump women because of a bad credit score?

All of the commercials from freecreditreport.com seem to think so. I’m just curious to see if anyone has actually had this experience or if it’s just a sick marketing ploy.


Selling off business inventory (at a loss) to pay off the debt, why do I have to claim it as income?

I am closing an event planning business. I am selling off the working inventory – chairs, tables, servers, tableware, linens, etc. so that I can pay off the business debt. All items are being sold at a loss. My accountant says that I have to claim the money as income, but doesn’t that defeat the purpose? If I’m selling at a loss, isn’t that a loss to the business? What difference would there have been if I had closed the business and just held onto the inventory?


What can I claim on chapter 7 bancruptcy?

I don’t know a whole lot about filing. I do however know that I want it to be chapter 7. I was wondering what exactly I could claim and how long does it take to come off my credit report?How soon after I claim will I be able to start establishing new and better credit? I’m so lost!! I have about $15,000 in debt form credit cards, 3 different overdrawn and closed bank accounts, a couple utility bills and a few doctor bills…I wa slaid off about 8mos ago with no savings..I do not own anything worth much.The only thing that I make payments on is my car. Thank you for reading.

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


Should i pay out my debt agreement or declare bankruptcy ?

I have entered into a Debt Agreement just under 2 years ago…..I have been paying just under $800 per month since then. My marriage has fallen apart and we are going to sell our house…should I pay out the Debt Agreement or keep the money and declare bankrupt? If I pay out the debt agreement I still will have bad credit for years to come….


I have a ‘advance recovery’ on my payslip and I need help understanding it?

By the way do you know what ‘advance recovery’ means on a payslip?


Chase Debit Card usable for online purchases?

I was issued a temporary debit card from Chase after I set up a checking account. They said my real debit card would be shipped in a couple days….but until then I could use the one I currently have until the official one arrives. Will I be able to use this one for online purchases? It has no Visa or Mastercard logo on it but it’s a useable debit card nonetheless.


Why is my closed auto loan account listed in the negative account section of my credit report?

i paid it off on the date it was supposed to be paid off.. 2004


Can I file for bankruptcy with defaulted student loans?

I have defaulted on my student loans and now it is due on default. My loans are for 30K, I barely make 29K and I have other debt. Can I file for bankruptcy now that my student loans have defaulted?


Bankruptcy … Chapter 7… will I lose my house?

My hubby wants to file but I dont, I dont want to lose my house…. Is there a way to keep my house if we do file…


I have bad credit and need a 25,000 home loan. I have the down payment and I would be a first time home buyer.?

Please, any help would be appreciated. Thank you.




















































Bought my first house: need help understanding mortgage payment window?

Bought my first house: need help understanding mortgage payment window?

I just bought my first house a few days ago. I know I should ask my lender this, but it is midnight, so I am asking you folks. My first payment is due June 1st. There is a little blurb in the contract that says 15 days after the first of each month they can add a late fee if I have not paid them yet. Does this mean that I have a 15 day window for payment? Or is it still considered late if I pay them on June 2nd? I don’t want to think I am paying them on time each month, but have them reporting that I am late each month on my credit. I get payed on the last day of each month, so ideally I would send the check out on the 1st… Also, I only have a mailing address for the company. They have only ever mentioned mailing them a check. As this is the year 2011, I am surprised that I cannot just pay online like a civilized human being. Is it the norm to snail mail a check to them each month? Lastly, my P&I is around $1800, but due to mortgage insurance and other stuff, my monthly payment is more like $2400. I mail that whole $2400 to the lender, correct? I am not supposed to send the $600 to some other place? Thanks so much for any relevant answers!

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


RELATED:

How do I vote for the new band on FreeCreditReport.com?

directed at billual


Credit score is 743?

Im a 18 year old and my credit score is 743, i know thats pretty good and i established my credit through being a authorized user on my moms credit card for 2 months, i applied for a Bank of america cash rewards card and got instantly approved with a $2,500 limit and 12.99% APR(lowest for that card possible) how do i maintain a score like this other than pay bills on time because i will pay in full every month, should i take off myself from my moms credit card? and also could i get a car loan with this score?


Student loans & bankruptcy?

I,m a single mother & overwhelmed with credit card debt and student loans. Someone told me that if my student loans were not government loans they could be included in bankruptcy, is this true and what about pelle grants


Where can I apply for a legitimate no credit check installment loan?

I do not want a payday loan type of setup. I need a fairly large amount($25,000) but credit is not good enough for a traditional route. Have dependable employment(14 years)

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

How do i check my credit report for free, because all de places need may credit card?


I recieved a text about a loan? Anyone else get this?

When i went to check my phone to see what time it was because my mom likes to set the clocks in our house at different times(it’s so annoying). So it said need a payday loan up to $1


Are bad credit auto loans such as carsdirect a scam (like payday loans) or are they legit?


Bought my first house: need help understanding mortgage payment window?

I just bought my first house a few days ago. I know I should ask my lender this, but it is midnight, so I am asking you folks. My first payment is due June 1st. There is a little blurb in the contract that says 15 days after the first of each month they can add a late fee if I have not paid them yet. Does this mean that I have a 15 day window for payment? Or is it still considered late if I pay them on June 2nd? I don’t want to think I am paying them on time each month, but have them reporting that I am late each month on my credit. I get payed on the last day of each month, so ideally I would send the check out on the 1st… Also, I only have a mailing address for the company. They have only ever mentioned mailing them a check. As this is the year 2011, I am surprised that I cannot just pay online like a civilized human being. Is it the norm to snail mail a check to them each month? Lastly, my P&I is around $1800, but due to mortgage insurance and other stuff, my monthly payment is more like $2400. I mail that whole $2400 to the lender, correct? I am not supposed to send the $600 to some other place? Thanks so much for any relevant answers!

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


How can I improve my credit score of 607?

Unfortunately, I dont have any credit cards (I get turned down) and my only bad credit is my student loan, which is now being garnished from my paycheck. I would like to get a credit card eventually.


Applying for an auto loan?

So I’m thinking about applying with capital one. If I dont get approved, will that hurt my credit score? Should capital one be my first attempt? So I try to finance at the dealership first or at a bank? what to do what to do…


When should you file bankruptcy?

I am going through a divorce and my ex isn’t paying ANYTHING (rent, car, etc) hes already gotten evicted and I am working on getting my name off that. Both our names are on the car and its out for repossession. My credit score is probably very very low right now. I am still in school and don’t have an income or child support yet, just help from my family. Is it better for me to just file bankruptcy or to try and build my credit back up as it is?


How can i buy a home when my credit is at 460. i am a first time buyer?

i alway lived in apartment and my kids are growing up and they need their privacy and a place for them to play


How do I bring my student loans out of default ASAP?

I have a Federal student loan in default from Sallie Mae also a private education loan. I screwed up big time when I was younger. Anyway, I am going back to school fall 2009 and I need to get it out of default ASAP. I have saved $1,000 to pay a co-signer for my upcoming student loans….the only drama is is my default….Please help….and tips is greatly appreciated.


Payday loans help?

How do you get rid of pay loans if you can’t get a loan anywhere else?


Is 4.75% a good 30-year fixed mortgage rate at this time (December, 2013)?

I’m currently paying 5.75% on a $310,000 mortgage. My credit score is 648 and I’ve paid all of my mortgage payments on time.


Where can I watch movies online no donwload no credit card where can I watch like that?

Withou credit card and downloading where can I watch?


Bought my first house: need help understanding mortgage payment window?

I just bought my first house a few days ago. I know I should ask my lender this, but it is midnight, so I am asking you folks. My first payment is due June 1st. There is a little blurb in the contract that says 15 days after the first of each month they can add a late fee if I have not paid them yet. Does this mean that I have a 15 day window for payment? Or is it still considered late if I pay them on June 2nd? I don’t want to think I am paying them on time each month, but have them reporting that I am late each month on my credit. I get payed on the last day of each month, so ideally I would send the check out on the 1st… Also, I only have a mailing address for the company. They have only ever mentioned mailing them a check. As this is the year 2011, I am surprised that I cannot just pay online like a civilized human being. Is it the norm to snail mail a check to them each month? Lastly, my P&I is around $1800, but due to mortgage insurance and other stuff, my monthly payment is more like $2400. I mail that whole $2400 to the lender, correct? I am not supposed to send the $600 to some other place? Thanks so much for any relevant answers!

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


Does anyone know of someone that can loan me 7,000 dollars?

Looking to borrow 7,000 dollars, can pay back 500.00 per month at 20 % percent, I have bad credit but am up to date on all creditors at this tiem, Does anyone know a place i could get a loan unsecured?


Where can I go to check my credit (FREE) online?

I don’t have an open bank account or any other subscriptions.. But I got a call from someone saying I owned an amount.. He wouldn’t tell me where he was from – just said he’d call back later. Sounded shady. I lost 2 SS cards, unfortunately, but I would like to check my credit. It’s required by law to give out free credit information, correct?


Is 4.25% interest a good rate for a 30 year home loan?

First time buying a house and this is the interest rate my lender proposed to me. They say if I want to lock in at this rate I need to agree to the loan terms now.


We bought a house on land contract 2 years ago and now the owner is filing bankruptcy. What do we do?

We bought a house by land contract 2 years ago. We have never missed a payment and the mortgage is, as of now, paid up to date. The guy we purchased from (the guy who still holds a mortgage on the property) was a small business owner and his business went under. Now, he is filing Chapter 13 bankruptcy because of his business losses, but this only allows him to protect the house he personally lives in, despite the fact the mortgage on this property is good. His lawyer is telling us to just keep making the mortgage payments (directly to the mortgage company rather than thru him) and well be good because it’s not in default. The mortgage is thru GMAC, who we hear are not fun to work with. Are we going lose the house? Should we stop making payments? Scared sh*tless right now, we have three children, have invested a lot of money into the house on renovations (roughly $10K), and we recieved the $8K Home Buyers Tax Credit when we signed the contract. Feel like we’re in deep. HELP!!!


GMAC Auto account?

Anyone ever been 3 months past due with there GMAC auto loan?


How can i transfer the mortgage to my wife’s name?

i own a house now and was wondering if it’s possible to transfer the mortgage to my wife’s name. I am currently in a credit dispute with another company and did not want them to go after my house.


Can I stop house payment for a 1-2 months without penalty?

My spouse and me have a credit cards debt and house payments. Now they are over head. I have had a second job and that helped us to pay some bills, and they cut my hours off from the second job, so I lost it completely. Now, am looking for another part time job, so I can find something t supplement our income. My question is if it’s possible to stop payment on the house for a 1-2 months without penalty, so we can pay some credit card debt’s and have some money for another bills??? If it’s possible, how can I contact the mortgage company and ask them?? Is it any form out there to check on it?? Any web site?? I do not want to lose our house and am looking for another part time job so I can have more money for bills and pay debt offs. Sincerely,


I need to find a family tree website for free no credit cards?

i mean NO BILING OR CREDIT CARD BILING

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


Are there any good payday loan places that accept Ga. residents?


Does filing personal bankruptcy affect child support?


What factors affect the rate and amount of primary production?


How long do paid collections stay on my credit report?

I have 3 collections accounts on my credit report. One was last updated on 10/01/2009 and remains unpaid. The second was last updated on 12/01/2007 and remains unpaid. The last originated in 2007 but I paid it off on 11/01/2012. I’m now in a place where I can afford to pay off these debts but I’m concerned because I keep reading that collections accounts will be removed after 7 years from the last date it was updated. Does that mean that the one that I paid off will be removed in 2014? Or will it stay until 2019 now that I paid it off? Makes me think that I would be better off not paying the other two and just let them go away on their own. Clarification please?



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

Does a credit inquiries mean you didn’t get approved?

Or it will still show in your credit report even if you got approved


Bought my first house: need help understanding mortgage payment window?

I just bought my first house a few days ago. I know I should ask my lender this, but it is midnight, so I am asking you folks. My first payment is due June 1st. There is a little blurb in the contract that says 15 days after the first of each month they can add a late fee if I have not paid them yet. Does this mean that I have a 15 day window for payment? Or is it still considered late if I pay them on June 2nd? I don’t want to think I am paying them on time each month, but have them reporting that I am late each month on my credit. I get payed on the last day of each month, so ideally I would send the check out on the 1st… Also, I only have a mailing address for the company. They have only ever mentioned mailing them a check. As this is the year 2011, I am surprised that I cannot just pay online like a civilized human being. Is it the norm to snail mail a check to them each month? Lastly, my P&I is around $1800, but due to mortgage insurance and other stuff, my monthly payment is more like $2400. I mail that whole $2400 to the lender, correct? I am not supposed to send the $600 to some other place? Thanks so much for any relevant answers!


Will the VA give me a loan or advance pay on my disability compensation?

I just was awarded 70% for PTSD, I was told by another vet at my school you can get a loan against your comp for up to $5000 and they will take it out of your checks over time. I have not found any information on this so I dont know thats its true, thanks for any info you can give me =)


Can I pay my Target Credit Card with Target Gift Cards?

I received quite a few target gift cards and wondered if I could use them to pay on my credit card? I looked on their site but you can only pay by a bank account. TIA! 🙂

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


How do You file for bankruptcy?

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


Can I get a credit card with bad credit?

I’ve tried to get one in the past but generally the only ones I can get are pre-paid credit cards. I’ve never had a credit card before but my credit is so bad that everytime I try to get one I get turned down. Anyone know of a credit card I could get with no bank account and no credit checks?


What would my income have to be to qualify for a 360k mortgage?

What would my actual income have to be ? Foget about other debts, assume this was my only payment besides a modest car payment. And approximately what would my monthly payments be using an average interest rate these days, not including taxes an all that stuff. Just an average. Thanks!


Where to consolidate credit card debt with bankruptcy?

I need to consolidate my credit card debt. I have a BK on my credit report from 2002. What bank or lender should I apply to?


Capital One auto loans?

Has anyone received a Capital One auto loan? My credit isnt great ( score of 630 and bankruptcy 5 years ago) so I’m just wondering what I should expect for an interest rate. Examples of rate received and approximately what your score was at that time would be appreciated. Thanks


What would my interest rates be on an auto loan? I’m 18 no credit.?

I want to take out a loan for a 2004 BMW 325I. Im a entering freshman, but i have college paid for and my only expenses are insurance and phone. The insurance(full coverage) will be $140ish a month. The loan is $12,990 and I want to get it for 5 years. I can make a $3000 down payment. I could pay it off in less time, and also make a bigger downpayment but I dont want to empty the piggy bank or live on my limit. I want to buildup my credit, and plan on paying off the full debt in a year, I’m making sure they will not charge me for the full interest of the loan when I pay. What would my interest rate be? I do not want to get a cosigner, and also what places could I go to get the loan besides the dealer? Ive gone to Bank Of America & Bank of Bartlett and both need the car to be older then 2006.


Auto loan approval renig?

I was approved for an auto loan from a credit union i recently joined. the conditions were that i get a co-signer, my aunt agreed to co-sign. the car that i originally had in mind was just at the max. price i would pay, then when i realized my car insurance rates i needed to find something cheaper. i found something, which i believe to be a great deal and went to my credit union to sign the papers. when i got there i was told that the person who originally approved my loan was no longer with us” and they’re not sure if they want to give me the loan because i am a student although i have a full time job


I have a problem in math i cant solve?

ok so the problem is: Jenny took a cash advance of $250 on her credit card. The interest rate was 1.5% per month. after 8 months, she paid back the cash advance. (a) How much interest was Jenny charged each month? (b) how much interest did Jenny pay altogether?


Can I afford an acura TL 2007?

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


Can i get a mortgage if i work off the books?

FYI, I have been in the same industry for 8 years. however i was laid off 6 months ago. When i saw in the paper a simalair job opening i applied. I got the job on the spot and started working the next day. I was so happy and the only thing in the interview that was dicused was anount of the salery. When the first pay day came i realized it was off the books. I only got the job 2 weeks ago. So obviously i havent had the chance yet to file taxes but ive only been there 2 weeks! Anyone who critizes me for putting food in my babies mouth and getting wellfare are LOSERS!


Bought my first house: need help understanding mortgage payment window?

I just bought my first house a few days ago. I know I should ask my lender this, but it is midnight, so I am asking you folks. My first payment is due June 1st. There is a little blurb in the contract that says 15 days after the first of each month they can add a late fee if I have not paid them yet. Does this mean that I have a 15 day window for payment? Or is it still considered late if I pay them on June 2nd? I don’t want to think I am paying them on time each month, but have them reporting that I am late each month on my credit. I get payed on the last day of each month, so ideally I would send the check out on the 1st… Also, I only have a mailing address for the company. They have only ever mentioned mailing them a check. As this is the year 2011, I am surprised that I cannot just pay online like a civilized human being. Is it the norm to snail mail a check to them each month? Lastly, my P&I is around $1800, but due to mortgage insurance and other stuff, my monthly payment is more like $2400. I mail that whole $2400 to the lender, correct? I am not supposed to send the $600 to some other place? Thanks so much for any relevant answers!


What are some good payday loans?


Does refinancing an auto loan have a positive effect on your credit?

I am in the process of rebuilding my credit. I was able to get approved for an auto loan with HSBC auto finance, but at a very high interest rate. I refinanced with Citifinancial for a significantly lower rate. My credit report now shows my HSBC account as paid/closed/never late. Even though the loan was not paid in full by me, but bought by Citifinancial, will this still have a positive effect on my score? or will it stay the same.


Personal debt consolidation loan?

Which is better debt consolidation loan or a personal loan??


Can I be financed for an auto loan using my husbands income?

I am married, and stay home with the children. My husband works.However, is credit is terrible, and that’s an understatement. I have good credit. My question is: Can I be financed without putting him on the application? Or would I have to add him to use his income? Thank you.


How do i get a small loan($4,000) with no established credit history whatsoever?

I have been denied personal loans, lines of credit, auto loans, credit cards, etc… I have NO established credit history and therefore no one will give me the loan i need. What can i do?




















































Another Accounting Problem, Need better understanding !?

Another Accounting Problem, Need better understanding !?

April 1 Invested $20,000 cash in her business 1 Hired a secretary-receptionist at a salary of $700 per week payable monthly 2 Paid office rent for the month $1,100 3 Purchased dental supplies on account from Smile Company $4,000 10 Performed dental services and billed insurance companies $5,100 11 Received $1,000 cash advance from Heather Greene for an implant. 20 Received $2,100 cash for services performed from James Chang. 30 Paid secretary-receptionist for the month $2,800 30 Paid $2, 400 to Smile Company for accounts payable due. Accounts to be used: Cash, Accounts Receivable, Supplies, Accounts Payable, Unearned Service Revenue, Owner’s Capital, Service Revenue, Salaries and Wages Expense, Rent Expense. I couldn’t balance the accounts evenly. Im confused as to what to do with the secretary transaction. I can get this stuff in class but once Im home to do an excercise I confuse myself. Please Help ! I’ll appreciate it !

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


RELATED:

How long does it take to get a chapter 7 bankruptcy filed?


Do banks give housing loans on Gifted properties?

The property is in Bangalore


Do my creditors get paid if I file for bankruptcy?

I’m trying to settle some debts, and I was wondering if I could use bankruptcy as a scare tactic to make my creditors settle for less money. Saying, for example, Well


Applying for a mortgage but my bank account went negative.?

I’m in the process of applying for a mortgage. Last month I was careless and drew my bank account into the negatives. Account is back up with plenty of money in it now. Lender is asking to see 2 months worth of bank statements… will I get denied because of that one over-draw in my account?

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

Is there a free way to get your credit score? not just the report but the actual score?


Which you be worse on my cerdit report: bankruptcy or foreclosure?


Auto Loan through Personal Bank?

If I go through a bank like Chase or PNC to get a car loan that is 12,000 and I get the loan. If at the dealership we settle at 11,000 do I get the remaining 1,000? or how does all of that work?


Another Accounting Problem, Need better understanding !?

April 1 Invested $20,000 cash in her business 1 Hired a secretary-receptionist at a salary of $700 per week payable monthly 2 Paid office rent for the month $1,100 3 Purchased dental supplies on account from Smile Company $4,000 10 Performed dental services and billed insurance companies $5,100 11 Received $1,000 cash advance from Heather Greene for an implant. 20 Received $2,100 cash for services performed from James Chang. 30 Paid secretary-receptionist for the month $2,800 30 Paid $2, 400 to Smile Company for accounts payable due. Accounts to be used: Cash, Accounts Receivable, Supplies, Accounts Payable, Unearned Service Revenue, Owner’s Capital, Service Revenue, Salaries and Wages Expense, Rent Expense. I couldn’t balance the accounts evenly. Im confused as to what to do with the secretary transaction. I can get this stuff in class but once Im home to do an excercise I confuse myself. Please Help ! I’ll appreciate it !

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


What does one need to apply for a personal loan? ?

or an auto loan or any other kind fo loan from the bank? besides good credit..what other factors?


How does the credit union auto loans works?

I apply for 13,000 auto loan with my credit union and was wonder how does it work. Do I have to get a car for this amount or can I get a car for move say like 15,000


With parental consent,can a 16 year old have an American express credit card?

I know you must be 18 to have a card on my own but some company let a 16 year old have one if he has parental consent.What about American express? And,I saw a guy says that I cant have an American Express credit card since I dont have other credit card at all that I have to wait at least a year to after making my first card to get the American Express card. Is this true? thanks


Differences between 2LS and 1LT Camaro? ?

On a tight budget and leaning towards a 2LS Camaro but is there an External difference from the 1LT? And is it noticeable? I can always mod the 2LS and make it look badass right?


Why don’t I get credit card offers in the mail anymore?

I’m not complaining that I don’t get them, it just makes me wonder if I have bad credit and that’s why they don’t send them anymore.


I have been denied by banks. i need to get a personal loan with my bad credit?


Question about the President’s Choice Mastercard (PC Points) program…?

How many PC points do you earn per dollar spent if you shop at Loblaws store (eg. Superstore)? Is it 5 or 15?


Are my PayDay Loans legal in Missouri?

My husband and I have got ourselves into a mess with PayDay Loans. Everytime we get one it seems like it’s only to pay for another one. And lesson’s learned, we now know that wasn’t very smart. We were just wondering if any of these loans were legal in Missouri and how to deal with them if they’re not. I do know in Missouri, the PayDay Loan Laws say Criminal Action: Prohibited (Unless check returned due to closed account or stop-payment by maker)”. Does that apply if there is no actual check attached to the loan


Another Accounting Problem, Need better understanding !?

April 1 Invested $20,000 cash in her business 1 Hired a secretary-receptionist at a salary of $700 per week payable monthly 2 Paid office rent for the month $1,100 3 Purchased dental supplies on account from Smile Company $4,000 10 Performed dental services and billed insurance companies $5,100 11 Received $1,000 cash advance from Heather Greene for an implant. 20 Received $2,100 cash for services performed from James Chang. 30 Paid secretary-receptionist for the month $2,800 30 Paid $2, 400 to Smile Company for accounts payable due. Accounts to be used: Cash, Accounts Receivable, Supplies, Accounts Payable, Unearned Service Revenue, Owner’s Capital, Service Revenue, Salaries and Wages Expense, Rent Expense. I couldn’t balance the accounts evenly. Im confused as to what to do with the secretary transaction. I can get this stuff in class but once Im home to do an excercise I confuse myself. Please Help ! I’ll appreciate it !

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


What is the best Australian debit/credit card that avoids Thailand’s ATM fees?

I’m aware that Thailand charges 150 baht for all foreign cards at ATMS and that there are a few AEON ATMs in Bangkok that avoid this but apart from that they are far and wide. From what I have read on traveller forums Charles Schwab in the US reimburses ATM fees, so wondering if there is an Australian equivalent of that? I’ve looked into the 28 degrees master card but know that it now charges a cash advance fee. From researching it appears Citibank’s Everyday Plus acct has the best deal, but want to know others experiences and tips. I’ve been told to try and carry cash as it is so ubiquitous and a whole lot easier in Thailand and also is the best option to avoid credit fraud but am going for a month so really don’t want to carry that much cash on my person especially as I’ll be backpacking so may not always have access to a safe or secure luggage. ANY SUGGESTIONS?!?!


If I file for bankruptcy, how would that affect my bank account?

If I file for either kind of bankruptcy, would I still be able to keep my checking account? I have excellent credit with my bank and I wouldn’t want to jeopardize that.


What do I do if a scammer has my personal information?

First off, I’m not easy to scam, this seemed pretty legit, a company with a website, that I found through monster.com, not a fancy one, but a good enough website. A careers section, mission statement, everything. I applied to a CSR position on their website by filling out an application, like any other job, with a resume, filling in all the boxes, you know, the usual. Then I got an email the very next day that they had run a background check on me and I was hired, they just needed my bank information since they pay in advance. Since I know that all CSR positions require an interview (usually two or three), background checks are not done over night and cannot be completed without either a drivers license or a social security number, and no employer asks for you bank information without first making you fill out a dozen tax forms, I’m going to assume that they were after my bank information for fraudulent purposes, that’s fine, they can take it from my cold dead body, but, now there’s a company out there with my name, address, and phone number. I know they can’t steal my credit, I figure if I can’t get a credit card in my name, you can’t either, but what else could they do with that information that I should be worried about?


I like to get a free credit report without the trial subscription and using a credit card.?


Who provides the best online payday loans in whole of US?whom do u prefer?


Are there any REAL and decent websites out there to find out accurate credit score?

Ok so I know all the commercials for things like freecreditreport.com and others similar to it seem legit but they actually end up being a scam because they make you include a credit card number and end up charging you (ironic, isn’t it, because the site is meant to help you AVOID credit issues HAHA) but is there any way of actually finding out your credit score without going through all of that? I recently got a letter in the mail stating I was declined for a credit card because .. and it listed 3 reasons. None of those 3 reasons should be on my credit score so that’s why I’m a little confused and would really like to get this checked out.


What Credit Agency (Experien,Trans, Equifax) does Sallie Mae use to look up for new loan request?


Personal loans with bad credit?

We are a family in Windsor Ontario that is in desparate need of a loan to catch up on back rent but have not been successful with banks in the area due ot bad credit. Any ideas?

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


Becoming debt free – rising credit score?

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


Question about my finances. Using overage check to pay off auto loan a good idea?

I have just started college. I am really enjoying it. Especially after being out of high school for 4 years. Anyhow, I am back into it and I have qualified for financial aid. It is an unsubsidized loan, with a total of a little over 6k. It is my first loan, and I intend to pay every bit of it. My employer reimburses up to $5,200 a year, which is more than enough to pay for a year’s tuition at my college branch. If my calculations are correct, I should receive an overage check of about 4k, which is the same amount I have left on my auto loan. I am being nailed on interest for the auto loan, which is 14.2 percent — I had no credit, no co-signer — so I had to bite the bullet of an extraordinary rate. So, I figure I will take the full amount of my award this once and pay off my auto loan. It will give me peace of mind because if I lose my job, I lose my car. But if I pay off the car, I can lose my job, but still keep going to school, for I do not have to pay back my loans until after I graduate. That way I can pay about $100 a month toward the overage check, paying it off well before I graduate. So, for the people that have had much experience with their finances, been through many hardships, tell me, is this a good idea? Am I thinking on the right track for a young age — 23?


Is this lending” company legit?”

$1891 which they will use to buy insurance to cover the loan. I have to send them a money order or a certified check of that amount in order to receive the $25,000 loan. I asked this Jason guy if they have a branch in Boston where I could go to conduct all this business, and he said no, everything is done online. So basically I send them a photo ID, my SSN, a copy of my last pay stub; and $1890 for insurance (which I gonna get back after 3 months) in order to get the $25000 loan…10 yrs loan.


What is the best online payday advance site?



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

Resume question – had to leave a job bec co. went bankrupt how shd I put this on resume?


Another Accounting Problem, Need better understanding !?

April 1 Invested $20,000 cash in her business 1 Hired a secretary-receptionist at a salary of $700 per week payable monthly 2 Paid office rent for the month $1,100 3 Purchased dental supplies on account from Smile Company $4,000 10 Performed dental services and billed insurance companies $5,100 11 Received $1,000 cash advance from Heather Greene for an implant. 20 Received $2,100 cash for services performed from James Chang. 30 Paid secretary-receptionist for the month $2,800 30 Paid $2, 400 to Smile Company for accounts payable due. Accounts to be used: Cash, Accounts Receivable, Supplies, Accounts Payable, Unearned Service Revenue, Owner’s Capital, Service Revenue, Salaries and Wages Expense, Rent Expense. I couldn’t balance the accounts evenly. Im confused as to what to do with the secretary transaction. I can get this stuff in class but once Im home to do an excercise I confuse myself. Please Help ! I’ll appreciate it !


Why is my car loan still on my credit report after filling for bankructy?

I Filed for Bankrapcty about 2months ago all debit was cleared from my report but car loan still on there. WHY?


5K$??? what does this exactly mean?

Thanks guys!!!

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


How much would my mortgage payment be on a 75,000 house?

we are eligable for FHA and we do have the 3.5 percent required for down payment. the max the bank said was 80000, and we don’t have any credit cards or debt what so ever except my car payment which 155 a month.


My lic policy was assigned under sbi. the loan taken by my relatives is over and the noc was taken by them.?

the are not giving the noc and the bank also. i want to surrender that policy. what can i do


Payday loans with account now visa?

I cant get a normal loan because of terrible credit. does anyone know of a payday loan place that excepts account now instead of a normal bank account….thanks


Health insurance in USA is a complete rip off, scrap it and lets get competitive tendering in for taxpayers to?

What happens there does affect me as I am returning to live there permanently next year. You are being ripped off, if you can’t see that then that is your problem, your whole health system is corrupt and Politicians are paid by big health care companies, to sweep the corruption under the carpet! Same thing with your banking system America is known for its corrupt politicians and industry leaders. Your comments and attitude remind me of the smoking lobby that wanted to stop the banning of smoking in public places (you are very selfish in your thinking) and you are bot Peripheral in your thinking. (there is always a better way to do something.


What is best best way to get out of credit card debt?

I have 15k in credit card debt and i want to get rid of soon. I dont want to do go thru debt consolidation companys because it will have a negative affect on my credit. how should i start? payoff the ones with high interest first or what?


How do I check my creedit for free?

I am new in Canada and I would like to know my credit score How do I check my credit score for free if any onw know please help me – thanks


How do I pull myself out of debt?

I am working as hard as i can, and as many hours as i can. It still doesn’t seem like it’s enough. If anyone knows of a good debt consolidation company, please let me know.


When buying a car, does the out the door price include your monthly financing fees?

I just want to know if the out the door price is the overall price I will be paying for a car after 5 years when the car is paid off.


How can i get a cash advance from my tjx mastercard without pin?

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


Who won the free credit report band thing?

just real quick im 14,i dont a credit card


Another Accounting Problem, Need better understanding !?

April 1 Invested $20,000 cash in her business 1 Hired a secretary-receptionist at a salary of $700 per week payable monthly 2 Paid office rent for the month $1,100 3 Purchased dental supplies on account from Smile Company $4,000 10 Performed dental services and billed insurance companies $5,100 11 Received $1,000 cash advance from Heather Greene for an implant. 20 Received $2,100 cash for services performed from James Chang. 30 Paid secretary-receptionist for the month $2,800 30 Paid $2, 400 to Smile Company for accounts payable due. Accounts to be used: Cash, Accounts Receivable, Supplies, Accounts Payable, Unearned Service Revenue, Owner’s Capital, Service Revenue, Salaries and Wages Expense, Rent Expense. I couldn’t balance the accounts evenly. Im confused as to what to do with the secretary transaction. I can get this stuff in class but once Im home to do an excercise I confuse myself. Please Help ! I’ll appreciate it !


If I don’t pay my capitalone credit cards?

I have two capital one credit cards one that’s at $500 and one that’s at $1500. I can’t them pay. I’m thinking I’m just not going to make payments anymore and I’ve been doing research on what might happen but I need a few more answers. With this amount of debt and with a company like capital one, what are my chances that they don’t sue me and garnish my wages? How bad is the ding it’s going to make on my credit when they report it to the credit bureau? I have store cards that I pay on a regular basis and I just paid off my car so my credit can’t be too bad. My problem is if I just stop using and paying my capitalone cards all together and pretend like they aren’t there, what exactly is going to happen? Has anyone specifically dealt with capitalone that knows what the company’s actions would be against me?


In the movie THE DROP- did cousin marv know that bob…. (spoiler)?

in The Drop- did cousin marv know that bob killed richie whelan? i’ve watched the movie a ton of times and it feels like cousin marv doesn’t know that bob did it. specifically the scene when eric deeds comes into the bar for the first time surprising marv and bob in the kitchen…. cousin marv asks bob if he knows who that was- it’s eric deeds, the guy who says he killed ritchie. how is it possible that cousin marv doesn’t know that bob did it? anyone?


Is Melania Trump’s so called plagiarism and a bankruptcy from 25 years ago the best things liberals can find to critisize the Trump’s?

Why not be so explicit about Hillary’s email acandal, Benghazi scandal, all the countries that hate America that has given her money to where she owes then favors, the Arab spring that has led to Europe being overflowed by Muslim refugees, along with creating a chain of events that led up to the rise of ISIS when she was Sec. Of State. Who REALLY has the most baggage, the Trump’s or the Clintons?


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!


Escrow disbursement – customer?? 5th 3rd bank?

my online mortgage account says Esc Disbursement – customer….does this mean they are issuing me my escrow refund? i hold a mortgage with 5th 3rd bank…..usually it says Esc Disbursement – Taxes or Insurance…..thanks




















































Understanding A Credit Report?

Understanding A Credit Report?

Need some help understanding please!!!!! I had a mortgage company run my credit for a possible loan for a home. A couple of credit cards that I have are suppose to report to all 3 bureaus, however, broker is is stating that they only show up on the Transunion but when I look at the actual report…in the TYPE/RATE VENDOR box, they show TRU 01 (EFX), what does the (EFX) mean? Does that mean that it only shows on the Transunion? Please help me understand. Thank you in advance.

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


RELATED:

Is debt settlement better than bankruptcy?

Because bankruptcy stays on your credit report for ten years and most people cannot qualify for Chapter 7 and end up getting a 13, which is just a repayment plan they usually cannot afford. Larry at http://www.TotalMillionaire.net


What is the process of part disbursement of homeloan?

i want to apply a homeloan in bob but property is in under construction. i want know about process of disbursement of cheque and what kind of document requered for that time [cheque disbursement time]


Accounting amortization table help?

Tony’s favorite memories of his childhood were the times he spent with his dad at camp. Tony was daydreaming of those days a bit as he and Suzie jogged along a nature trail and came across a wonderful piece of property for sale. He turned to Suzie and said, I’ve always wanted to start a camp where families could get away and spend some quality time together. If we just had the money


I would like to get a copy of my credit report.?

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

Can I remove a bad debt from my credit history if the responsibility belongs to my ex-spouse?

The mortgage on a house was in both of our names, but we both declared bankruptcy separately mine was a 7 his a 13. On our divorce decree it states that I have given up all rights to the property and it is his responsisbility. Will the company remove the bad debt from my credit history if I ask them?


Where can I get my free credit report ?

freecreditreport.com , experian, transunion, equifax are all in together to make money off me. Where can I get a real” free credit report without having to give up my credit card information and sign up for some monthly membership or a dumb “identity theft monitoring alert” service ? thanks for any help!”


Pay day loans, really bad credit?

I have been ill all week so could not make it into work, I work for an agency so I don’t get paid if I am off sick. I’m looking to get a small loan of around £200 to tide me over next week. However I have a very bad credit rating. I know it’s highly unlikely but is there anyone that would accept me & give me a small loan. I don’t really have anything I can pawn. TIA


Understanding A Credit Report?

Need some help understanding please!!!!! I had a mortgage company run my credit for a possible loan for a home. A couple of credit cards that I have are suppose to report to all 3 bureaus, however, broker is is stating that they only show up on the Transunion but when I look at the actual report…in the TYPE/RATE VENDOR box, they show TRU 01 (EFX), what does the (EFX) mean? Does that mean that it only shows on the Transunion? Please help me understand. Thank you in advance.

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


Where/How Can I take over Car Loan, bankruptcy foreclosure Assuming I have $$, and will cover 100% of the loan

Where on internet can I find info from Banks or Credit Unions, that have a list of Car Loans that buyer was not able to cover 100% so bank had to take over, the bank want $$ back NOT the Car, so the bank either puts cars on auction or for sale for the Difference to recover the $! For example New car $ 20K 2K down 4K paid but 14 K + interest the person for some reason stop paying, so bank took over payment and took the car from the Person! NOW WHERE CAN I find this kind of unsuccessful Car Loans, bankruptcy & foreclosure?


How can I get rid of my home?

Like many people, my home is quickly losing value and I owe more on my home than it’s worth. What are my options? It is getting harder for us to afford our mortgage payments, due to the blessing of our new child. This home was only supposed to be our started home, but it seems like it’s going to be our retirement home now. I don’t think we are very good candidates for bankruptcy since it costs us about $1500/month for mortgage/taxes/equity loan/insurance payments and we earn about $5000/mo. However, it would be about $700-800/mo cheaper for us to rent or own a larger home for our growing family. With no end in sight to the housing crisis, it seems best to get rid of our home before it loses any more value and save money to prepare for the economic recession ahead. The fair market value of our home is probably $110k now. However, we owe about $180k in a refinanced mortgage. We are also paying the bank a home loan insurance, because the loan is greater than the value of the home. I would like to just surrender our deed in lieu of foreclosure to our lender, but don’t want to be stocked with having to pay for the rest of the loan. Would my lender take back a loan like this? Do they have the option of making me keep my home and only foreclose if I miss payments? How does it work if I WANT to give up my home and walk away? What if we try to sell our house at the current market value or in a short sale? Would we have pay the rest of what we owe at the closing? What are the tax consequences of a short sale? Can anybody help us decide what to do? Are bankruptcy or foreclosure options I should consider? Would I owe taxes after a foreclosure? Could I even declare bankruptcy if we’re making the current payments easily and have an excellent credit score?


EXPERIAN is refusing to delete inaccurate information–HELP!?

I have 2 accounts on my Experian Credit Report that are accounts that do not belong to me. I was able to get them off Transunion and Equifax without any problem, but I can’t seem to get them off Experian. I originally sent a certified mail, return receipt to the creditor stating that these account did not belong to me, and to verify them; they were not able to because the accounts are not mine. I sent a copy of the letter and the receipt stating the collection agency received the letter, to all 3 CRA’s. Experian sent me a letter stating the debt was verified. Since there’s no way this debt could be verified (again, because these account really do NOT belong to me, this is not some gimmick to get accurate info off), I sent a letter to Experian demanding they tell me their verification” method. Then


Looking for a payday loan that doesn’t lie about guaranteed approvals?

I always get e-mails about paydayloans being guaranteed. When I go and fill out all of the forms they always say I’m sorry we cannot approve you loan at this time. These sites should not be allowed to do this. To me this is false advertisement and the company should be reported to the Attorney Generals Office in there area.


I want to buy a new car.The car I own now isn’t payed off.Can I transfer my auto loan to pay for the new car?

I am interested in buying a new car. The car I own now isn’t fully payed off yet. Is it possible to have the loan attached or transferred” over to the new car


If you have a master card, can you take out a cash advance.?

please read before you answer, I posted this once and everyone thought that i wanted to go to a check cashing cash advance place and get money, that is not what i am asking!!! I have a credit card from CITI financial…It is a master card. I want to know if i can call CITI financial creditcard services and ask them if there is some way to get a cash advance from my credit line on the card? do you see what i mean? I want to buy a car, but it is private seller, so i need CASH TO DO IT…will the credit card company or citi bank let me have a cash advance using my credit line on the card. for example: if i had a credit card with a thousand dollar limit and i wanted to buy a car cash for $500 can i call the bank where my card is distributed and ask them if i can have cash or get a cash advance through them thus making the balance on my card 500 dollars?


How do I get view credit scores from all three bureaus in 60 seconds for free off my home page I am using yaho?


My ex Husband died and I am still on the Mortgage but not deed?

when we divorced I signed the quit claim so my name is not on the house but I am still on the mortgage. There is no will and no life Insurance. If it forcloses I was told I would get sued then I can in turn Sue his estate. But he doesn’t have anything. and the family members has already dispersed his things among each other. They are still waiting for a autopsy and I don’t know what to do. His sister said they don’t mind signing the deed over to me, but she is not the inheriter. My ex had a 15 year old daughter, will I have to deal with her mom? She is my Ex’s Ex. She is being non-negotiable with me and says she has the best attourney in town. What do I do


Understanding A Credit Report?

Need some help understanding please!!!!! I had a mortgage company run my credit for a possible loan for a home. A couple of credit cards that I have are suppose to report to all 3 bureaus, however, broker is is stating that they only show up on the Transunion but when I look at the actual report…in the TYPE/RATE VENDOR box, they show TRU 01 (EFX), what does the (EFX) mean? Does that mean that it only shows on the Transunion? Please help me understand. Thank you in advance.

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


Bad credit?

how many late payments and how many things does it take to get bad credit? im 20 and have been late on 4 of my loan payments but only late once on my credit card? im really worried


I Need a good Auto loan site or finaicial business for i can get a car im 19 no credit.?

I just need some help with this navy fed declined me becuz my parents have too much credit, our insurance declined me becuz i have no credit, i dont want a credit card. USEFUL comments can help please. those who say save up i dont wanna hear that i need the car public transportation isnt a option here. go to college and wait to get a car i dont wanna hear that! how will i get there. PLEASE USEFUL COMMENTS PLEASE! I have no credit!


On my auto loan im the cosigner but should be the primary. My mom is going to file bankruptcy, what do I do?

I make the payments, the finance company messed up on the loan. What do I need to do before she files?


What the best company for the best identity theft protection?

Can someone tell me the best company for the best identity theft protection?


Is debt consolidation for me?

I have three credit cards, student loans, and a personal loan. I need to reduce my debt or payments.


Business Finance: Finding the APR of a word problem?

Loan Shark Company provides short term loans. They will loan you $4 today and expect $5 back in one week! What is the APR for this loan? a) 25% b) 125% c) 1125% d) 1300%


HOW TO FILE FOR BANKRUPTCY?

I have a huge student loan, huge bank loan, 3 huge phone bills , cable, internet and another bank loan (some i got for my friends in my name). Now that i just go divorced i tryed to pay the debt back but cant. I need to go bankrupt and want to start fresh. * How do i get bankruptcy? * Does it stay on my credit record FOREVER ? I know that it goes away after 6 or 7 years but i do not know if after those 6 to 7 years is still someway of someone knowing about it!?!?!?! * And how long and how much does it take to get banckrupcy!? * Any other ideas coments, experiences or words of wisdom would be helpful~ Thank you!


Do You Know any GOOD lawyers in Washington, Spokane?

My sister needs a good lawyer for divorce,custody and bankruptcy. How much would this cost? Any lawyer for the following above would be fine! Please help!

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


How do i get free credit report?

online without a credit card


USAA keeps adding interest to my auto loan?

I have an auto loan with USAA, I have been with this bank for almost a year. I only hand my auto loan for about 4 months. Since then the have added like an extra 400 dollars to my auto loan. I am never late because they take automatic payments. I asked why have they been adding money and they say that they charge me interest every month on the loan. The loan was for 12,000. I thought that the interest was added at the beginning of the contract and that was all the interest I was being charged. My APR is 10%. Does anyone have any advice as to what I need to do? Anything would help! Thanks In Advance


Where can I find or purchase a database of all Homeowners Associations in Texas?

Looking for names and addresses to all homeowners associaiton offices or managment companies in Texas, if such data exists.


Composite Home loan tax benefits?

I bought a land in Jan 2004 using a composite home loan(Land + House) and started constructing a house in May 2004. Have been paying regular EMI’s which kept increasing as & when bank released money for construction and stabilised last year after all approved loan amount was released. But due to some delays I am getting the house possession only this month in March 2007. I have not claimed any tax benefits on my composite home loan till now as I did not have the possesion inspite of paying the regular EMIs all these months. Can I claim any exemtion before possession/move-in? and how can I catch up on all the exemptions that I missed in past three years, once I get the possesion of my house?



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

Online Auto Financing Post Bankruptcy?

We filed bankruptcy chapter 7 but kept our truck and the loan with it. The payment is almost $500 a month and is financed at 12.75% and with the gas milage being only 10mpg we can not afford it. We need a lower payment & a more fuel efficient & reliable vehicle. Our truck is worth about $25000 & we owe $18000 & have a $500-$1000 to put down on top of that. Sorry for the long question but I want to get approved or pre-approved before wasting time sitting around a dealership all day. Does anyone know of a Reputable online auto lender I could use? I have already applied twice and have heard nothing back & these were online auto loans bad credit, & bankruptcy. Also would a Co-Signer help?? Thanks to all of you that read this long question & any infor or help you can give would be SOOOO Appreciated..


Understanding A Credit Report?

Need some help understanding please!!!!! I had a mortgage company run my credit for a possible loan for a home. A couple of credit cards that I have are suppose to report to all 3 bureaus, however, broker is is stating that they only show up on the Transunion but when I look at the actual report…in the TYPE/RATE VENDOR box, they show TRU 01 (EFX), what does the (EFX) mean? Does that mean that it only shows on the Transunion? Please help me understand. Thank you in advance.


When applying for a car loan.Which banks pull your credit report from Experian?

I am trying to apply for a car loan. But I have too many hard inquiries on my transunion and equifax reports which make the application declined right away. But I have zero hard inquiries on my Experian report and my score there is 700. I want to know which banks use experian.


I would like informationrmation and tip on how to stop payments on a payday loan.?

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


Well its that time in life i need to know how to file for bankruptcy and how much it cost i live in michigan?

fyi its not bussiness its personal i just didnt know what catagory worked best sorry


Will the credit union send a check made to me for an auto loan?

I wanted to request an auto loan from a credit union and wanted to know who they write the check out to. Just curious if I needed to know the name of the car dealer I will be purchasing from.


Payday loans help?

How do you get rid of pay loans if you can’t get a loan someplace else?


What does my transunion and experian credit scores mean?

I recently did somethings to fix my credit. Settled some accounts and disputed items that have been corrected. My new credit scores are Transunion 634 and Experian 680 but I’ve been told these aren’t the score used by mortgage companies. How do you know if you have a good enough score to get a mortgage?


Will I be approved for speedy cash installment loan of $2,600?

First, I’d like to ask if anybody has done this before. Speedy Cash offers a $2,600 installment loan in which you pay back over a period of time and are only charged interest for the time you use the money. If you’ve been approved for this, my second question is in what standing? What was your credit score at the time you were approved for the loan? income? I just want to know if I have a chance of being approved. My credit score is in the low 600’s and all my credit cards are in good standing. but is a credit score of 620 enough?


Moving from Dubai to Fujairah. What is it like to live there?

I’m a western expat from Australia who moved to Dubai with my wife and 2 young kids late last year. Im finding Dubai to be ridiculously expensive and like one big construction site – so we are considering moving to Fujairah. Does anyone know what it’s like to live there? It seems a lot cheaper and is still within 1.5 hours from Dubai. I would appreciate any thoughts/suggestions you might have – especially those who live in the UAE. Thanks in advance!!


Can I get a TN drivers license if my permit has expired.?

My permit expired in the beginning of January. I was wondering if I could still get my license or if I would have to renew my permit first before I get my license.


What is the maximum amount of judgements you’ve received? How much money were you in debt?

Have any of you went through major life changes which you financial debt, to the point where it was overwhelming? If so, what is the MAXIMUM amount of judgements that have been brought against you at one time, before you filed bankruptcy? 2? 3? 10? ect? How many times have you filed bankruptcy? Also, what is the maxium amount you were ever in debt at one point? $5000, $10,000, $20,000, or more? Creditors don’t care if you had medical problems, or were in a coma for weeks. They just want their money. Thanks


Is it bad to consolidate credit card debt through a debt consolidation company?

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


How to lower chase auto finance interest rate?

My interest rate is 18.75 and it is killing me. I am unable to make my payments. Any tricks or ideas to get them to modify my rate so i am able to keep my car. As is they have made more money to date from my loan than the whole term of someone that had gotten a lower rate from the beginning.


Understanding A Credit Report?

Need some help understanding please!!!!! I had a mortgage company run my credit for a possible loan for a home. A couple of credit cards that I have are suppose to report to all 3 bureaus, however, broker is is stating that they only show up on the Transunion but when I look at the actual report…in the TYPE/RATE VENDOR box, they show TRU 01 (EFX), what does the (EFX) mean? Does that mean that it only shows on the Transunion? Please help me understand. Thank you in advance.


Recording Credit Card Charges and Payments in Quickbooks.?

The owner of the company wants the outstanding balance on company credit cards to read as a negative amount in Quickbooks for report purposes. The only problem is that when I record a payment it makes the negative balance greater Example: Balance = -$10,000.00, I record a payment of $3000.00 New Balance = -$13,000.00 To further the complications, when I record a charge, rather than putting the account deeper into a negative standing, Quickbooks applies it to the balance as though it was a payment. Example: Balance = -$5000.00 Record a charge of $500.00 New Balance = -$4500.00 Am I doing something wrong. Kind, informative answer only please. Thanks


If I file for bankruptcy when I apply for an apartment will they see a list of previous creditors or will all

If I file for bankruptcy when I apply for an apartment will they see a list of previous creditors or will all past due credit be removed from my credit report, showing only the word bankruptcy?


Bankruptcy and Credit Cards?

Hello everyone. I recently filed for Chapter 7 Bankruptcy and I was told that I was not allowed to use my credit cards for 90 days before my filing of Bankruptcy. Now that I filed, am I allowed to use them? Or do I have to wait for the discharge in order to use them? Is there a certain amount of time that I have to wait after I file for BK to use my credit cards? If anyone has experience w/ this, I would truly appreciate it. Thanks!


Need to repack a shark rotator professional lift-away vacuum w/attachments to send it back?


I want to take out a loan for 4k. what are my best options? I’m an 18 year old student with a PT job.?

okay so the 4k is to complete an amount to purchase a 10k car. except i dont want to take a car loan or whatever. I have 6k set aside for the car and i have about 2500 in my savings account. i have my pt job to make the monthly payments for the loan and i live at home with my parents so no major bills to pay. the car will be bought from a private owner and it wont be on my name, probably under my dad or mom for insurance purposes(dont wanna pay high insurance rates). so yeah, what do you guys suggest? and no, i’m not gonna avoid taking out a loan and just buy a 6k car. haha. oh and i want to leave my savings account a lone. thats there in case the worst happens and i dont have a job anymore, at least i’ll have money to make payments for a while until i find another job. just thinking ahead. so yeah please help! thanks =]




















































College Student need understanding and advice on first credit card!?

College Student need understanding and advice on first credit card!?

I am a college student and I want to start establishing credit. I just need some information and advice. Things that I should look out for, terms that I should know, etc. What APR’s are, what cards and or companys I should consider.

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


RELATED:

What is the best credit card for an 18 year old?

If you are just going to answer none’ don’t bother.”


Which is a better loan option?

and I have NO cosigner.


Is there anywhere that i can get my credit score online without using a credit card?


How can I get a free credit report without needing to sign up for a credit protection service?

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

Is it possible to get a FHA loan a year after bankruptcy discharge?

Is it possible to obtain a FHA loan a year after bankruptcy discharge?


How do I find out about my credit rating?

Hello, I am looking to find out about my credit rating & debts, however I cannot seem to find anyone to help me?! Is there any companies that can find out for me? I would like to pay of any debts I might have as I am not sure which I have paid & which might still be outstanding!?! Thanks heaps!


Overstated income on auto loan application by 9%, can they reneg loan terms?

I purchased a new Honda Accord through Honda Financial Corporation back in September. I stated my income as being 46000, but I only earn a salary of 40750. They never asked me for a pay stub but when I received my loan package from Honda they asked for my most recent. Now I do earn overtime and I do get a premium 3% added to my wages for transportation expenses, which puts me close to 46000. Can they renegotiate the terms at now 60 days after signing the sales agreement or can I be held liable for overstating my salary? Please advise.


College Student need understanding and advice on first credit card!?

I am a college student and I want to start establishing credit. I just need some information and advice. Things that I should look out for, terms that I should know, etc. What APR’s are, what cards and or companys I should consider.

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


Regarding Bankruptcy?

I am an auto mechanic and I need to file for bankruptcy. Will I lose my work tools if I file?


Easiest credit card to get?


Chapter 7 bankruptcy?

We had hardly no bills untill my husband got very sick and put us way, way into debt. I had check stubs of my husbands wages for the last three months because were also trying to get medical. I brought this into the Lawyer and he said we could use his 2007 tax to calculate the last 6 months. I read in a chapter 7 manuel you had to bring stubs for 6 months. What he says is alittle contrary. He’s been doing this over 20 years so hope he knows what he’s saying. My question is on 2 of those months we estimated his gross. If I get two more months for the court it won’t match identically. However, It works out okay with the whole year. This Lawyer is very impatient and abrupt. I hate to call him on it because I feel he must know. Has anyone had this problem. Thanks


Thinking of filing bankruptcy?

I’m considering filing bankruptcy I barely make money and I have allot of debt with school, credit cards & loans. My debt includes school loans, and 2 old car loans can I get them taken out of my credit? I live in New Jersey. Any info would be helpful.


Cash advance from tmobile rebate card?

anyone have any experience? Me and my bf both got our rebate cards in the mail today we have 2 different accounts but both bought phones at the same time with our tax return. His prepaid card has his name on it, mine has my mother’s name since the account is in her name. so my first question is will the bank let me get my cash advance or does my mother have to do it since it says I have to bring valid ID to the bank and obviously our names wouldnt match. My mother does not have time to go to the bank with me. My second question is it says I have to fill oit a request form before receiving the cash, is this instant or something that I will have to wait for? Im tired of waiting its my money and I need it now!” Lol not really but you understand. I hate using cards I just want the cash.”


British gas electricity prepayment customer service?

New electricity meter. They then said I should be putting at least £35 a month on my meter, which I definitely can’t afford to do at the moment. And I wouldn’t even use all that electric anyway as I only have a small flat and I hardly ever spend all day there. What should I do? I think this is terribly unfair. Why should I have to pay for the new meter? It wasn’t my fault they changed it. What can I do about this?


Can you gift a car to someone with a loan on it?

Thanks for all the input. Penndot has a policy where if you cancel your insurance, within 30 days you need to get a new policy. So I did. But it turns out that I read into the 30 days” wrong. I did not have insurance for 30 days. Technically


I am owed money by a franchised tutoring company that declared bankruptcy?

I am a student who was employed at a franchised tutoring company for approximately a month. I received one paycheck from them without issue. I went there one day to tutor and the center was evicted. I can get a hold of the owner, but he has informed me that there head office will pay me my owed salary. I contacted them and they say that it is my responsibility and that they aren’t liable. Head office says this may change if the owners sign a form limiting head offices liabilities to students and teachers. There are 3 Co-owners, 2 of which I have been told will sign this agreement however the 3rd is avoiding all communication and hasn’t signed. I am owed approximately 400 dollars and they closed down without warning Oct 31st. They are incorporated as far as I know. I am wondering what I should do, since I seem to be getting the run around from both the owner who hired me as well as head office. Can I file a claim against the owners, and if so how do I go about doing this?


College Student need understanding and advice on first credit card!?

I am a college student and I want to start establishing credit. I just need some information and advice. Things that I should look out for, terms that I should know, etc. What APR’s are, what cards and or companys I should consider.

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


Can I get approved for an auto loan?

I want to buy a car that is $26,000 out the door I am hoping to talk them down to 24-25k. I would like to finance it for 72 months and put $8,000 down. I have a low limit credit card that I’ve had for two years and I am only 20. I work full time and my gross monthly income is $3,100. My credit score is 626 but I’ve been turned down on credit cards so would I be able to finance a loan by myself or do I need a co-signer? Also this is my first time buying a car and I do not have any other debt.


Where is the best place to refinance my auto loan?

When I first got my auto in March 2006 my interest rate was 17.9% I refinance in September 2006 with E-loan for a rate of 11.04% we recently bought a home and our finally establishing some credit. So I think its time to refinance again. Does anyone recommend a great place to get a great rate? Thanks I really appreciate it!


Is Donald Trump his own worst enemy?

He started out really strong but lost stamina quickly.


How long does it take to pay back 9,000 dollars .its my student loan by the way?

thank you yahoo answers


Auto loan without credit or employment verification?

HSBC has a loan program that doesn’t require credit or employment verification. But they require 30-40% downpayment. Anyone try this and can share their experience?


If I declare bankruptcy will my liens on my house be dropped and not follow me?


Money order for wrong amount?

Each month I have to pay my rent using a money order-this month I was late paying it and without thinking I went and got the money order for my usual rent amount. I forgot to add the late fee, so my landlord wont accept it unless it is the full amount due. The money order is filled out and signed and everything but I still have my receipt, what can I do with the money order now-how can I fix this?


When can i buy a house after chapter 7 bankruptcy?

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


Credit score vs. mortgage rates?

How big of an impact would a credit score of 743 vs 753 have on a mortgage rate? I have had my credit history for about 3 years and have a 743 credit score with no late payments. I don’t know how I can get my score up to 753 but I’m guessing it would take years maybe? I know 3 years isn’t a long time credit history but haven’t gad a late payment. Or would a credit score between 743-753 basically get the same rate? Just curious.


What is the cheapest and safest payday loan service?


I need a $200 cash advance, how much APR will I pay?

I just got a new Mastercard with a $2,000 credit limit, and $1,000 in cash advances. The card has no APR for a year, then the normal 22%. But for Cash advances, my APR is 24% effective the moment I get cash. The thing is, I need $200 in cash. If I get $200, how much will 24% APR figure in about 6 months, when I can afford to pay it back? Please let me know what is going on here. Thanks.


Chapter 7 Bankruptcy?

My husband and I are considering filing for Chapter 7 Bankruptcy. We have debt we cannot pay back, 7 dependents, and numerous medical bills from when my son was born 2 months ago. I see chapter 7 bankruptcy is for liquidating assets. Other than our house, van, and furniture we have no other assets. Will we qualify for Chapter 7? Also, will we be able to keep our house if we can keep making payments on it?



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

How to pay off credit card debt?

I’m 24 and desperatley need to start paying of my credit card debt. I have tried to consolidate my cards though had no luck as my debt is to big on each card for me to merge them together. Basically my debt is as follows: St George Mastercard – Owe $5,600 Bank West Mastercard – Owe $5,800 Citibank Visa Card – Owe $9,230 NAB Visa Card – Owe $8,960 Myer Store Card – Owe $1,300 There all 95%-98%maxed out. Although i also pay $2200 a month in rent, (and my income per month is only $2600). I have a total of another $600 that is charged on my cards every month for contracts that i cant get out of (such as furniture rentals etc). The interest + insurance on each card is around $130-$180 per month per card so again its around another $450 per month just to meet the insurance and debt. I paid almost $2000 as a whole to my cards last month, and its already gone right back down again, so i’m currently thinking either declaring bankruptcy or just letting my cards run down to $0 to force the banks to stop charging interest. Is there any company who can buy your debt of you? as i dont want to pay the banks back, they have already charge me enough in usless insurance, late payment fees and interest to get any favours from me.


College Student need understanding and advice on first credit card!?

I am a college student and I want to start establishing credit. I just need some information and advice. Things that I should look out for, terms that I should know, etc. What APR’s are, what cards and or companys I should consider.


When can I attempt to buy a house if my ch 7 bankruptcy closed in May 2010?

I recently purchased a car in july and i am making payments. I am trying to rebuild my credit.


Why was I denied for this credit card?

I was very surprised to find that I was denied for a Frontier Airlines Master Card. I am young, but my husband and I have good credit (upper 700’s) and own our home (never been late on payments) and have 2 fully paid off new vehicles. We have a few other credit cards with balances of less than $100 on them, but wanted a Frontier one because of how often we travel. Our debt to income ratio is great, so I don’t understand why they wouldn’t give us one. Any ideas?

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Can I lose my home if I’m behind one Mortgage payment?

I couldn’t make my mortgage payment in January…I did make one for February, but of course I’m still missing a months payment. I haven’t been able to catch up on my mortgage. I’m terrified that I will lose my home because of that one payment. I’m able to make my monthly payments now, but I just cant seen to pay the back payment…Does anyone know if I can get my home taken away. Only serious answers please. Thank You


Could you use a forever 21 giftcard AND a credit card to pay online?

I have 25 dollars in the gift card but I want to get free shipping (which is 25 dollars more), so could I also use a gift card to pay for the rest?


Who can I turn to for a consolidation loan with less than perfect credit?

I have several credit cards and a couple of payday loans that I’m trying to clear up quickly. The 360.00 a month in fees for the payday loans is more than I can handle. If I could get a consolidation loan to get out from under some of this debt it would be a tremendous relief. My credit is not great but it’s not bad either. I do have a lot of debt which I am managing to pay every month but with nothing let over. One other thing, I have no collateral for a large loan. I would be willing to have the loan amount debited from my account every payday. Any advice would be greatly appreciated.


Will skipping a car payment and having it moved to the end of your loan affect your credit or score?

Have chrysler financial and have made 37 car payments of a 60 payment loan always on time. Having a little trouble this month and wanted to know if there is an option to move a car payment to the end of your loan and if so how does this affect things?


Upside down auto loan, advice please…?

I am currently upside down on my auto loan. I owe approximately 14500 and my trade in value is around 6500. The transmission is doing some funny things and I am fairly concerned that I may be looking into serious repairs in the near future. I would like to trade my vehicle and purchase another, but I am so lost on what my best option is…like I stated before I am already upside down. Any advice is greatly appreciated…


Can I placed them (payday loan people) under my chapter 13?


How can I check my credit score without credit card?

How can I check my credit score without credit card? I know there r many sites which says that just give credit card # and its free for 10 or 30 days, BUT I don’t have a credit card and I wanna check my credit score immediately.So what r the options?


Citi financial threatening legal action?

do to my job cutting down man days i have sought the help of a debt managment /settlement company to help me settle and pay down my last four cards and this huge Citi financial bill, i am 21 days late i just enrolled in program and citi is already threatening legal action over the phone for now can they do that im not 90 days or anything and i am working really hard to get this debt paid off, and i figure anything is better than bankruptcy i wont lose myhouse!! help


Paying a Wells Fargo credit card bill on the due date: posted vs pending transaction?

So I completely forgot that my bill was due today, 3/20. I was going to go to the bank location and just pay it in cash like I normally do, but I realized I won’t have time until late in the afternoon and I didn’t want to miss the cutoff date so I decided to pay it online by transferring money from my savings account to pay for the bill (It’s only 2 AM right now, so I’m hoping I have enough time). I was just wondering if anyone knows if it’ll make it before the deadline? I think I read that the cutoff time is midnight tonight, but I’m not sure. And my account activity says the bill payment is under Posted Transactions” but it also says (pending) next to the amount I paid… I hope that makes sense. I’m just really worried that it won’t clear in time and it’ll come up as a late payment

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Is the website magicalgetaway.com for real?

I was looking for vacation packages for disney world orlando. I stumbled upon this website and tehy offer really low vacation packages…like 119 for 4 days 3 nights hotel+ pair of tickets to disney… was wondering if anyone was able to book from this website already. Is this for real?


College Student need understanding and advice on first credit card!?

I am a college student and I want to start establishing credit. I just need some information and advice. Things that I should look out for, terms that I should know, etc. What APR’s are, what cards and or companys I should consider.


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


What average credit score do you need to finance a car?

what does your credit score have to be at the minimum to be able to get a car? no smart-mouths either, and what are some ways to build up your credit score? I’m only 19


I think my Credit has been stolen, What do I do?

Well I just turned 19, I decided I would apply for a credit card. I got denied and they said something about a lien. So ive tried pulling up my credit through the free annual report thing. In order for me to pull up my credit it wanted me to chose from a series of questions on a loan I may of had (security protocol)? I answered none of them, seeing as ive never had a loan or anything. It said that I was unable to prove my identity. Who do I call to complain or find out if my credit has been stolen. Thanks


What’s Best Credit Card in Canada?

Best Cash Back Credit Card in Canada


Where does the money come from when banks create a mortgage?

How does this technically work? If banks can loan out more money than they actually have, where does the money come from when a new mortgage is created? Does it come out of thin air or borrowed from other banks or fed? All I get is that their books will immediately debit when the home seller gets paid their price, but no idea how the banks can loan more than their current capital. Thanks!




















































I need help understanding my credit and if i can still be approved…?

I need help understanding my credit and if i can still be approved…?

None of this credit is Bulls**t” please! I want straight answers. freecreditreport.com tells me that i have a 595. Is that correct?? Im trying to get a rural development loan. What I need is a 580. I already have a mortgage lender or whatever… I had a 576. applied for a small loan because i misunderstood what my lender told me to do. It dropped to 548. Then we paid off some old bills that were on the report. It says its up to a 595. She told me (later

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RELATED:

Opening a Scottrade account…credit check?

I am looking into opening an online account with Scottrade and read on some forums that they pull a hard credit check when you apply? Is this true? Also, are there any account cancellation or fund withdrawal fees? In general, how does Scottrade compare with other online brokers for a beginning investor? Thanks!


Is this good work experience to have before graduating college?

By the time I garduate college with my business degree, I will have 4 years experience in part time retail (cashier+customer service on the floor) and one internship. Combined with my degree, is this a good amount?


Cash savings bonds early or take out loans?

My grandparents left me a collection of $1000 government I-bonds. They’re approximately 8 years old and are worth around $1400 each. They will continue to earn interest for another twenty years or so. Is it in my best interest to redeem these bonds now to help pay for college, or take out private loans (perhaps from my local credit union) to cover the cost instead?


Would receiving a lump sum for backdated benefits affect a Debt Relief Order?

Hi, I filed a DRO earlier this year and receive Employment and Support allowance. At the time of filing the DRO I was getting the lower rate (£65 per week). I have recently received about £1400 for backdated ESA at the higher rate. However my concern is that some of this relates to a period of about 6 months before I filed the DRO and also it makes my assets go over the £350 threshold. I’m 6 months into the DRO and I don’t want to have it revoked just because I’ve received money that I was entitled to just because they’ve awarded it in a lump sum. Will they revoke my DRO or would I have to pay some over to my creditors? Any suggestions are much appreciated. Thanks. ps. (The extra £26 per week higher rate money doesn’t push my monthly disposable income over the £50 limit although they don’t have my up to date budget which proves this).

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Bankruptcy lawyer?

Does anyone know if any bankruptcy lawyers take installment payments? I want to go bankrupt however right now can’t afford $1500 flat Out


NextFINANCIAL LITERACY QUESTIONS????? (BANKRUPTCY, SMALL BUSINESSES AND CREDIT SCORES)!!!!!?

1. What could be driving the number of personal bankruptcy filings downward? 2. Small business owners are sometimes advised by their lawyers to file for personal bankruptcy, Chapter 7, instead of business bankruptcies, Chapters 11 and 13, because of an easier filing process. How might this practice affect the rates of bankruptcy types? 3. How might the recent practice of credit-score tracker Experian, adding monthly rent as one of its criteria for calculating a credit score, benefit some consumers who have filed for personal bankruptcy?


I have a 649 credit score..been approved for a car loan with $1000 deposit. Will taking up this car loan boost?

I have a secured card for 5 months and been making full payments on time..my score has improved actually from 596 to 649..im trying to come up with more ways to keep improving my score. I want to purchase a house in the future. what are other ways to improve my credit without taking on car loans?


I need help understanding my credit and if i can still be approved…?

None of this credit is Bulls**t” please! I want straight answers. freecreditreport.com tells me that i have a 595. Is that correct?? Im trying to get a rural development loan. What I need is a 580. I already have a mortgage lender or whatever… I had a 576. applied for a small loan because i misunderstood what my lender told me to do. It dropped to 548. Then we paid off some old bills that were on the report. It says its up to a 595. She told me (later

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


When do I receive Cash Rewards with Bank Of America Cash Rewards Visa credit card?

I have had a credit card through Bank of America- no cash rewards. Recently I applied and was accepted for my first cash rewards credit card.If I pay my credit card bill off online in advance (before receiving the actual bill) will I receive any points to my cash rewards? Or do I have to wait to receive the bill to be eligible for cash rewards? (Hopefully I am making sense)


Bad credit personal loan(for a franchise),people from australia please only reply?

i also dont want to get scammed how do i tell if it is a scam or not?and if possible i would like to hear from a lender in australia,please someone help me!!!


Which bank provides the best home loan in malaysia?

assuming paying for 30 years.


I want to know the industry best practices in commerical credit collections?

Auto loans, mortgage, Credit card etc collections


Are debt consolidation companies worth it?


I have bad credit, how do I resolve it as soon as I can?

If I pay my depts in full or in half, will my bad credit be gone in few weeks? Or how long?


Where can I find my credit score for free without giving them my credit card info?


Is there any nz loan sharks for a unsecured loan of 5000?

i have bad credit and need to get some cash to fix my car and buy my baby some stuff.obviously i live in new zealand and want to know if anyone knows where i can get some financial help. paying it back isnt a problem. please nothing from overseas unless they can really help me thanks


I need help understanding my credit and if i can still be approved…?

None of this credit is Bulls**t” please! I want straight answers. freecreditreport.com tells me that i have a 595. Is that correct?? Im trying to get a rural development loan. What I need is a 580. I already have a mortgage lender or whatever… I had a 576. applied for a small loan because i misunderstood what my lender told me to do. It dropped to 548. Then we paid off some old bills that were on the report. It says its up to a 595. She told me (later

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


Getting a small home loan after bankruptcy?

after December, 2011 it will be 1-1/2 yrs that bankruptcy was filed: home back to the bank: would like to get a small (~$25-30K) loan for a home: where do we start looking: excellent credit up to that point: have maintained excellent credit since.


Will cosigner have to pay student loans when I try for bankruptcy?

I just graduated from college around a month ago, so I still have at least 5 months for my grace period, however I do have over 120K in student loans and growing due to the high interest rate. At my current position, and in the near future, I will not even be able to pay off a sizable portion of the interest, since I have been on a job hunt for 2 months and have come up fruitless. My mom has cosigned for around 40K of my loans, and am considering bankruptcy in order to get out of this. Will my mom have to go ahead and pay off her part of the loan that she cosigned for or is there a way that she will be able to stay out of it?


How do I go about filing for bankruptcy?


Car Loan, How hard is it to get approved for an auto loan with bad credit?

I am trying to get an auto loan but there are some negitives on my credit. I am trying to get them off. How hard is it to get a brand new car with bad credit?


If you show a bankruptcy on your credit report and the bankruptcy was dimissed, but companies wrote off…?

the funds already. If you send the credit agencies a copy of the dismissal, will they notify those companies that already wrote off the money?


Is it possible to refinance a car loan with one’s current auto loan bank or institution?

I asked about it at my credit union and I’d say it’s a no-no. The credit union said they only determine int. rates based on what tier my credit score falls in, so my good loan-to-value ratio, length of loan, etc won’t help me. They also said that I’d only qualify for a used car” loan


The likelihood of getting approved for an auto loan.?

Hey, I’m currently looking to purchase a 2005 Saturn L300 Series with approx. 75,000 miles on the dash. The sales price of $7488. My credit score is a 608 and I have $700 as a down-payment. I lived at my address for 8 years, and had my job over a year. The downside is, I only bring home $1100 a month after taxes. But I don’t pay rent or any utilities though. What are the chances I might get approved? The salesman said he was going to show my information to two credit unions in hopes that I may get financed. This is my first time ever buying a car and just wanted to know the chances of me getting improved. I am expecting to hear back from the salesman tomorrow morning. The car dealership is a reputable dealer and usually offer low interest rates and promotions regarding their cars.


I have a durable POA for my mother. She has dementia and has high credit card bills. Can I file bankruptcy?

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Please check my C++ loan calculator home work?

My code is to allow a user to enter in loan information and it outputs the total months required to repay the loan. It is also to inform the user if the monthy payment is less than the interest than the loan will not be repaid as such. I cant get my program to output the correct total amount of payments required. in some cases it will tell me one total payment and others two total payments. Also I can’t get my program to give me the warning stated above. Please help me if you can. you will get credit in my code for assistance when i turn my code in My code follows: /*************************************… Name: Project: Project 4 ex 19 Date: 20 Feb 12 Course: Purpose of file: Loan calculator Instructor: Assistance Recieved: **************************************… #include using namespace std; void main() { double monthly_payment, loan_amount, interest_rate; double monthly_int_rate; int total_payments = 0; // introduction cout << This program takes loan information entered by the user nand calculates the total payments made." << endl << endl; // forces a user to enter a loan amount greater than zero do { cout << "Please enter your loan amount not including the dollar sign: $"; cin >> loan_amount; cout << endl; if (loan_amount <= 0) { cout << "Please enter a vailid loan amount!" << endl << endl; } // end if statment } // closes do statment while (loan_amount <= 0); // ends do while loop cout << endl; cout << "Please enter the interest rate. nExample if interst rate is 7.2% enter 7.2 : "; cin >> interest_rate; cout << endl; // checks for a valid interest rate if (interest_rate < 0) { do // nested loop that forces user to enter a vailid interest rate { cout << "Please enter a vailid interest rate! nExample if interst rate is 7.2% enter 7.2 : "; cin >> interest_rate; cout << endl; } // end do statement while (interest_rate < 0); // closes do while loop } // closes first if statment else { monthly_int_rate = interest_rate / 12; } // closes else in if statement cout << "Please enter a monthly payment greater than zero : $"; cin >> monthly_payment; if (monthly_payment < monthly_int_rate) { cout << "WARNING: This monthly payment will not allow loan to be repaid!"; } // calculates new loan amount loan_amount = loan_amount * (interest_rate / 12) - monthly_payment; // calculates until loan amount reaches zero do { loan_amount = loan_amount * (interest_rate / 12) - monthly_payment; total_payments = total_payments++; }// closes do statement while (loan_amount > 0); // closes do while loop cout << endl; cout << "You will pay " << total_payments << " monthly payments to pay off your loan." << endl; system ("pause"); // pauses program before it closes out return; } // closes main"


Credit score under 520 need a loan?

boyfriends credit score is under 520 said by prosper, and we need the loan for a used car about 1,000 to 4,000 but cant find anyone to loan us the money anyone know ?


How does debt consolidation work?


How can I find out which collection agencies I owe?

I got a rejection letter for a credit card, and the collection agency they listed doesn’t match the agency on my credit report. How do I find all the agencies I owe?



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Pag-ibig salary loan status?


I need help understanding my credit and if i can still be approved…?

None of this credit is Bulls**t” please! I want straight answers. freecreditreport.com tells me that i have a 595. Is that correct?? Im trying to get a rural development loan. What I need is a 580. I already have a mortgage lender or whatever… I had a 576. applied for a small loan because i misunderstood what my lender told me to do. It dropped to 548. Then we paid off some old bills that were on the report. It says its up to a 595. She told me (later


Where can I get a unsecured loan for $20000 with poor credit?

My credit is terrible and I need a loan pretty fast.


Auto loan for either 4000 or 8000?

I need some help with deciding on an auto loan for i have never purchased a car with a loan. Always just have bought run of the mill 1000-2000 dollar cars. I am currently interested in two cars. 1) a 2007 with 80,000 miles which is being sold by a provate seller. Way under blue book value at $10,000. 2) a 2003 with 41,000 miles also going for under blue book value at $6000. I will be putting $2000 dollars down on the car, so i would need a loan for either $4000 or $8000. My question is what is my best bet to go about getting the funding for one of these cars? I would love to get the $10,000 car, its my dream car but I would like my payments to only be about $200 a month. Is that possible in both situations? Both cars are very reliable and will most likely run well over 200,000 miles. Thank you so much for the help.

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How much a month would a 6,000 dollar loan be?

i am eighteen and have not established any credit yet. i am 6,000 dollars short of my dream car and i am in college and work. making about 500 dollars a month. about how much? maybe some options will help like 2-5 years?


Help getting a Student Auto Loan?

hey i live in Philadelphia,PA and i will be attending college in the fall. i was wondering how can i go about getting a student auto loan for a car to get me to school every day? i already know the car im getting i just need the money to get it. i currently dont work but my parents will help me pay for the car till i get a job so i can be able to make car payments myself. how can i go about getting a student auto loan? and do you think i will get one? thanks!


Getting Equifax emails…never signed up for that stuff. Scam?

It seems to me that two or three times a week, I get an email from Equifax” stating my daily credit score


How much intetest is charged on $1,000 credit card balance with 24% interest rate?


What are the links for credit report (the free report once per year)?

All the Free” credit reports on the web require credit card number


How much will I save if I make a mortgage payment daily totaling to my monthly payments?

Hello, I have a FHA Mortgage 30 years fixed @ 6 % – Monthly payments every month of $584.25. This is including my taxes and mortgage insurance + home owner’s insurance. The mortgage value is $54000.00 My question is how much will i save if I make a payment of $29.22 / Daily which totals upto $584.25 counting 5 working days in a week. Thanks for your replies and do also let me know any links where I can find a calculator for the same to try out different scenarios. Regards, Shah.


Applying for a federal job after filing for bankruptcy?

I recently filed for chapter 7 bankruptcy and just applied for employment with the TSA and the BOP. My bankruptcy won’t be discharged for another month. Will this negatively affact my chances with these agencies? Thank u in advance for all replies


What’s 10% of $2800?

Thanks everyone!


Can you get auto loans under 5% apr on used vehicles?

So I’ve never even thought about getting an auto loan, never even considered it because I’ve always thought it was a waste of money paying interest. I’ve always thought I’m better off just saving the money and buying with cash. I am very much against interest. Well I recently bought a house (would have preferred to just save up the cash and buy it outright to avoid the interest, but its just not an option). The interest rate on my house is 5.0%. Now I’m planning to buy a used truck soon, for around $7K. Now I could save up my money and buy it a year from now, but I kinda want it sooner. I was thinking, if I can get an auto loan for a lower interest rate than the interest rate I’m paying on my house, that I might actually save a little money. Since I could just take all the money I would have spent up front on the truck, and apply it to the principal of my house. But the only question is if this is actually possible. Is it easy to get an auto loan at a rate of under 5%? I’d probably be buying from a private party, so does that mean I just get pre-approved at the bank before I even find a vehicle, or how would that work? Or am I better off abandoning the whole idea since maybe you can’t get auto loans that low?

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


I filed for bankruptcy over 2 yrs ago and never was discharged do I have to refile?

If so do I need to use the same trustee or can I do it myself?


I need help understanding my credit and if i can still be approved…?

None of this credit is Bulls**t” please! I want straight answers. freecreditreport.com tells me that i have a 595. Is that correct?? Im trying to get a rural development loan. What I need is a 580. I already have a mortgage lender or whatever… I had a 576. applied for a small loan because i misunderstood what my lender told me to do. It dropped to 548. Then we paid off some old bills that were on the report. It says its up to a 595. She told me (later


Help with loans?

my partner needs to get a loan to buy a car. he has been unemployed for about a fortnight and has been offered a job but needs a car to get there. does anyone no of any good loan companies?


How to persude customer to buy a Sears credit card?

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


The inflation rate was expected to be 3% per year, but in fact the price level increases at 6% per year.?

Consider the impact this would have on the following groups: I. A family paying $600 a month on a 30-year mortgage at a fixed interest rate II. A bank that has issued 30-year mortgages at fixed interest rates III. Workers whose wage contracts have cost-of-living adjustments tied to the Consumer Price Index Which of these groups is hurt by this unanticipated inflation? A. I only B. I, II, and III C. I and III D. II and III E. I and II F. III only G. II only Thankyou so much.


If a bank gives you a mortgage but you are creating the money with your signature, is that not fraud?

and no i am not some bitter person that forgot to make a payment. smart people realize you do not need the service of banks to create money and loan it back to you. we can just create money ourselves (legally) but you have to know how and the world is not ready for that yet. if you was you would be able to find the info easily as its freely available online. the powers at be are just trying to monopolise that ability for themselves.


How do you make fake paystubs?

My fiancee and I are trying to purchase a house and unfortantly I just lost my job. My manager at my old job said she would lie and say that I still work there, but i need to know where the get a copy of paystube templates for free. Do you think the mortgage company will verify my employment or take my paystubs and be okay with them.