My credit union has counter offered my loan….?

My credit union has counter offered my loan….?

Update: We have been emailing back and forth. Basically the tiered rate would be 2% higher than their regular terms. But she says they can’t use my car as collateral because the trade in value is a little less than what I owe. They are asking if I have other collateral. What else could I even use? I don’t own a home, don’t have any savings, and this is my only car.

Answer : I recommend that you visit this web site where you can get from different companies: http://creditandfinancesol.info/index.html?src=MEDFEBsuwooRood7 .

Related :


Does anyone know of any good cash advance websites?
I want to get a cash advance that you can make payments on. Like one that you don’t have to give them all their money back when you get your paycheck. My boyfriend just got one, but we kind of need another one. So does anyone know of any other good cash advance websites where you can do payments on?””
“”
Has anyone received a home loan from quicken loans 6 months after bankruptcy?

“”
#repost

“”
After a quit claim deed? chances of triggering due on sale mortgage clause?
A lawyer on another web site has told me that in 18 yrs of practice he has only twice seen a mortgage company call a sale due…. yet, i’ve had people on this site swear that it will trigger it when insurance is done or by some other means…. so which one is correct? I am talking about when a mortgage is still owed, but a quit claim signs over interest to someone else via a quit claim deed that is recorded.””
“”
Bajaj Finance auto loans rates for 2010?
One of my relatives is planning to buy a bike from Bajaj, hence I wanted to know where can I get good info about Bajaj loans in Mumbai””
“”
I need $1500 quick for car repairs but I have bad credit and the payday loans wont’ give me all the money from
one place. I can repay the money in a months time. I have been at my job for over 7.5 years and have a good job. I just need help with these repairs and it came out of the blue. Thanks, Michelle””
“”
What Are the Best Websites for Home Buyers?
Forgot to add we have a Pre-Qual letter from a lender. I know they are not worth much but after we supply the detailed info he has asked for, then if we qualify he will give us a pre-approval letter. But it’s a start. I really thought a buyers agent would help more in trying to find properties but it seems he gets involved once we go to look at one that I’ve found. Very thorough and knowledgeable guy but wish he would help more with finding properties in the first place.””
“”
“”If I declare bankruptcy in the US, does it affect my properties in another country?

“”
How many points do you get on your credit score for making payments on time on a credit card?
I ‘m looking to raise my credit score and I was wondering how much does your credit score go up from a scale from 300–850 for making payments on time on a credit card? Exs please: 10pts, 15pts 20pts. Thanks.””
“”
“”How hard is it to get a FHA loan? I have poor credit, and am in the process of raising my…?””
…credit score. I am stuck. I don’t have documents stating that I have had anything under my name. My loan officer is asking for: — Income Verification: two paystubs, two W2’s, names and phone numbers for all employers — Letter of Explanation for borrower situation/profile..include all compensating factors that make you a good borrower — Letter of Explanation for derogatory credit — Letter of Explanation for rental history — 3 months bank statements — 3 reference letters from creditors/banks: (ie; cell phone provider, car insurance co, electricity co, etc) Now, I have everything EXCEPT the 3 reference letters. What exactly is that and what if I don’t have anything under my name because it is on a family plan”””” Thanks in advance for your help.””””””
“”
Where can i get a free credit report without spending any money?

“”
How do I get a FREE credit report?
I applied on line for a credit card and I was turned down because they say that I owe to one or more creditors. The card Co. gives me the name of Experian.com/reportaccess, but they want a credit card number, how dumb, if I had one I would not be writting to them. is there one on line that I can get access to? Thanks””
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#repost

“”
What is the prime APR rate? how fair is a 14% APR. EXPLAIN PLEASE?
Current APRs Purchase APR 13.9% (Prime+10.65%) Cash Advance and Balance Transfer APR 13.9% (Prime+10.65%) .
“”
How to get a auto loan with bad credit.?
I been trying to get a second car loan but no one will approve me does anyone know where i can get loan. Here is my situation I have a outstanding auto loan of $18,000 left. I just bought a home 09/2012 have some bad credit in the past but all been paid and close. My income i make about $50,000 to $60,000 a year.””
“”
How do I calculate a monthly mortgage payment by using a electronic calculator?

“”
Actual bill consolidation loan companies?
please no sermons, just company names, i go to church 5 times a week””
“”
#repost

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Is your mortgage payoff usually lower or higher than your principal balance?

“”
Serious advice on my only option now of bankruptcy.?
hi guys, i really need good extra advice here…….. i have got debt of 14,000 which at the moment is been paid by token payments to each creditors of 1.00, which is fine at the moment as i seriously cannot afford anymore, i have been through the debt companies paying them so much a month, but that just didnt work, i seeked help from the citizens advice bureau, and they suggested the token payments of 1.00 to my creditors due to my low income, he also stated bankruptcy as a very last resort…….but now i am wanting to go back to work, but am really worried on how it will stand with the creditors taking more off me. I know my debt is my own fault, but seriously need to start again somehow without the worry of how much would be taken off me if i went back to work, i was actually told it would be better if my creditors would bankrupt me, but they are not doing, and obviously i dont just totally want to stop paying anything cos they would take me to court, and i dont know the outcome””
“”
How do i get a free credit report?
im lookin for somewhere to do a free credit report and i cant find anywhere that looks like it would b free. i have some model talking to me online telling me to sign up for this website and when i do im voteing for her some how. but in order to sign up i have to put my credit card info down which i stupidly did. she says that it didnt charge me anything and i wont b billed for it it was just to verify my age. im feeling skeptical about all of it still so i was wondering if anyone knew where i could get a free credit report to see if i have been charged anything
“”
Is It Possible To Be Approved For 2 Auto Loans In One Month?
My credit is not spotless by any means (i was young) But i do have a credit score in the 700’s. I make about 100–120k a year. Paying for both loans for both cars really wouldn’t be a problem. Also, does it help at all from the lendor’s that i work for the Government? I would like to be able to get financed for both cars, so i don’t have to make a down payment on either car. So i can just pay outright for both cars. I don’t want to do anything sketchy or illegal, that’s not me. How if it’s possible, would i go about getting both auto loans? Would i need to tell both lendor’s that i have another loan from another bank for it to be legal? I’m just not sure of how to go about it. Again any info is greatly apreciated. Thank you””
“”
How can I find out how big of a home loan I can qualify for?
Based on my income, credit rating, etc., how can I estimate how much I’ll qualify for? What if there’s two people? I don’t want to be hounded by loan salespeople, it would just be nice to know what I’ll qualify for so we know what we should plan to look for.””
“”
How far behind on auto loans can you be before they actually come and take the automobile away?

“”
Getting a Payday Loan online?
What generally has lower fees, cash advances from a real place or online?””
“My credit union has counter offered my loan….?

Update: We have been emailing back and forth. Basically the tiered rate would be 2% higher than their regular terms. But she says they can’t use my car as collateral because the trade in value is a little less than what I owe. They are asking if I have other collateral. What else could I even use? I don’t own a home, don’t have any savings, and this is my only car.


Auto loan with bad credit and on unemployment?
I’m currently looking into purchasing a used car no more than 5000. I am on unemployment and getting about 1800 a month from that. What do you think the chances are of getting financed on unemployment??
“”
“”Planning to buy home 350k. Will I qualify for a mortgage loan? If so, with which bank?””
My fico is 750+, co-signer is 648 & combined income is 95k with a downpymt of $15,000.””
“”
My bankruptcy was discharged should my credit report still show creditors on it?
Should the report show creditors or should it show bankrupt? Im confused. I did chapter 7 and it discharged in January.
“”
Can I buy a house in colorado with bad credit?
could someone also help explain what the steps are to buy a house i have no clue
“”
Am i paying too much interest on my auto loan?
i have a loan of almost $11,000. i got the car in june ’11. 2005 ford escape xlt 3.0 4wd 96,000miles (at time of purchase. i now have 106000miles) my payments are $255 month. ive been paying $300 month. its been 6 months and ive only paid off around $496. i still owe $10,234 after 6 months…my rate is 14% and term is 36 months. my credit score is high 600's.””
“”
“”I am in need of a fast loan for some expensive car repairs, and I dont have the best credit?
I really would like to avoid payday loans if it’s possible. The situation is as follows I own a 91 3000 GT that i am in the processing of restoring and I have had a national company rebuild the trainee. They have had the car since November 07 and they have ended up replacing a lot of things on the car as they shorted out my cars computer- all of which was done at no charge and the only work that I was to pay for was the transmission issue. Initially they said that I could make payments with 500.00 down and then I could pay off the balance monthly but now they want the full amount and I am desperately in need of my car. Can anyone out there help me?
“”
Can they cosign for an auto loan?
if i have no credit and my parents have poor credit but recently inherited a lot of money will the bank let them co-sign for an auto loan? ill need about a 7000 dollar auto loan. i have 1000 to put down. my parents have really bad credit but about 50k in the bank. i can’t get the loan from them but they’re willing to cosign if possible. one gets compensation so cant show income for 2 years and the other is a construction worker so is layed off until mid spring but they have money. i just want to know if they can cosign because of the inheritance
“”
“”Bad credit, no job, personal loan?””
bad cedit, no job and I need a personal loan. I am getting a new job in the next month but need money now. I do work for my self but have not made alot of money. Is there a website that can help me????””
“”
Being eaten alive by payday loan interest!!! What can I do?
I owe about $1,200 for payday loans I’m getting eaten alive by the interest. I pay nearly $400 a month in interest and I just seem to be getting further and further behind. If I could get a loan with an interest rate of only 50% apr I’d be able to get back on my feet, but I don’t own a home and my credit sucks. Can you suggest a way of getting out of this hole I’ve dug for myself? I’ve tried finding an additional job, but haven’t had any luck. I’ve tried to donate plasma but they turned me away. I’ve tried to find someone who’ll lend me the money, but all my friends and family are as hard up as I am. Are there any programs or businesses that could help me despite my poor credit? Also, please don’t just tell me I’m stupid for getting into this mess because I already know that and it doesn’t help to keep hearing it. If you can’t offer a suggestion find a different question to answer.””
“”
#repost

“”
Loan or Cash/Payday Advance??
I am having some financial trouble, I am not purchasing anything right now…I am slowly going in debt and I am only 19…I am trying to get out of these debts fast! Thanks””
“”
What happen if you have a filed bankruptcy?
What happen if you have a filed bankruptcy? how much did your credit score went down?
“”
#repost

“”
What score does BB&T require for an FHA home loan?
I am working on my credit so I can buy a home soon. I was wondering what credit score I need to get an FHA loan through BB&T.
“”
Rates of reaction question?
Ok heres the question: 4NH3(g) + 3 O2 (g) ←> 2 N2 (g) + 6 H2O (l) If the rate of formation of N2 is 0.10 M/s, what is the corresponding rate of disappearance of O2?””
“”
What are the benfites of having a credit card?
need this fast its a test question
“”
#repost

“”
Can the bank trace the people who have done fraud with my card?
I have had a bank statement and there has been loads of online transactions made which I haven’t done. Pizza,Asos,Amazon,Yours Clothing,Etc etc. All amounting to around 400. Will the bank/the companies be able to trace delivery addresses(assuming it had all been sent to a specific event)/what was bought/when it was bought etc as I have a good idea who it might have been? Thanks It is santander bank by the way, so if anyone has any specific experience with them it would be helpful!””
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#repost

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#repost

“”
Where can I see my credit score for free and report?
i dont want ot have to use my credit card
“”
Auto Loan Refinancing?
I am looking to buy a new car with my wife co-signing. My credit is horrible and won’t be able to get a loan without her help. The questions are: Will a year or two of paying the car loan payments with no missed or late payments plus keeping all other credit payments on time build my credit enough(generally speaking) to eventually re-finance the car in my own name a year or two down the road. Also, does this sound like something that can happen or does happen a lot, re-financing without the co-signer a year or two down the road? What does re-financing entail, fines, etc…?””
“”
Mailing address for Nationwide Recovery Group debt collector?
I received a phone call from this company after they harassed both my sister and my parents on the phone. The claim that I owe money for a payday loan that I took out 2 years ago. I did have a payday loan then, but the name of the company that they referenced does not match up with the name of the payday loan company I had the loan with. They say that they are a mediation firm and are trying to settle this out of court for their client. First I asked for a proof of debt letter, and they said that it was too late for that and they couldn’t send me a letter until the debt was paid. I asked for their address and they said we do not give out our address”””” when I asked them why””
“”
Can you help me get a cash loan soon.i try someon this site.maybe some body can help do it.?
I try some cash loans on hear did not work loans said no.i as cry in i need cash loan of 1,000 up to 10,000 soon.thank you all.cindy.I am trying.””
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Is it a refinance or home equity loan?
I bought a house 6 months ago before I sold my condo. I borrowed the money from my brother for the new home until the condo sold. I have a written contract and have been paying interest. He is starting to get nervous, so I would like to take out a mortgage for the home to pay him back. Would this be a refinance or a home equity loan? Also, when the condo sells, I expect to still have a mortgage of about $40,000. Assuming I take out a new mortgage now on the house, when I pay 3/4ths of the loan amount off in one lump sum, will my monthly payments decrease or will the monthly payment amount stay the same, but the loan be paid off more quickly?””
“My credit union has counter offered my loan….?

Update: We have been emailing back and forth. Basically the tiered rate would be 2% higher than their regular terms. But she says they can’t use my car as collateral because the trade in value is a little less than what I owe. They are asking if I have other collateral. What else could I even use? I don’t own a home, don’t have any savings, and this is my only car.


Where can i get a free credit report from?

“”
My husband is filing Business Chapter 7 Bankruptcy. What happens to our personal assets and credits?

“”
Should I file for bankruptcy while I am still unemployed?
I’ve been out of job for long time, plus medical bills and I am facing foreclosure, as well as months of unpaid c/card and one unsecured loan bills. I don’t think I can pay both mortgage and c/card bills. I want to keep the house and the only way out of this situation I see is to file for bankruptcy. I finally have good job offer in my field that i am about to accept. I wonder if I should file while I am still unemployed, or when I have a job. Thank you””
“”
“”Auto Loan for Truck 130,000 Miles?””
I need an auto loan for a truck I am considering purchasing. It is a 2003 Dodge Ram 1500 ST Regular Cab 4x4. It has about 130,000 miles on it. From what I’ve read online there is no way to get a longer loan for a truck with this many miles and being over 6 years old. I was hoping for something like a 4–5 year loan which I can pay back over time. I’m currently a student and I could use this time to get the payment a little lower. I’ve gotten quotes from two banks stating that they would only give out a 24 month loan with a rediculous amount down. I simply was wondering if anyone knew any way of getting around this? Thanks. I do have a cosigner as well.””
“”
How do i get a free credit report in ohio?
would like to see any judgements pending against me
“”
#repost

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“”Bankruptcy as U.S. Active Duty Army, What are my options?””
In regards to the Insurance lawsuit: The suit is filed soley against myself(the dependent) and not my husband. At the time of the accident I was not aware I, the driver, needed personal insurance to drive some else’s vehicle. I was also unaware they didn’t have insurance either until AFTER the accident occurred.(bullpucky) The accident was literally a FREAK accident, I still take responsibility because I was driving and hit(yes, I kNOW, don’t laugh) a parked car!””
“”
How do i do a bankruptcy buyout?

“”
Buying a New Car and Auto Loan Online?
I just recently graduated from college and I make around 33,000/year (about six months at the job now), but it’s time for a new car and move on from my college commuter (157K miles). Are there any options to apply for a loan online and get some quick estimates?””
“”
I have really no credit looking to buy car in wisconsin?
i have no credit but i need a car i live in wisconsin i have not heard of wfs online and i cany find a link for it plz help
“”
Can i withdrawn money from my sam’s credit card?

“”
“”How can i get out of payday loan dept, that has snowballed into a civil dispute?

“”
Can i file bankruptcy?
okay it happen 9 years ago my ex bf friend wrote bad check and put it in my checking account wrote more than 5000 and it happen 3x. I have no access on computer back then because I ran away from my parents and live with my ex. And now the bank put that account in collection and the collection want me to pay 15000, where in the world should i get that money i barely survived as a single mom ….my question since i cant pay that amount can i file bankruptcy? but its not credit card can i still file> and my ex in prison and my ex friend is nowhere to be found thank you””
“”
“”Is there a place I can view my credit score for free? My reports I have seen, but they all want $ for score.?

“”
How long does it take for a disputed/corrected item to show on a credit report?
I have written a dispute letter to all 3 bureaus regarding an account that is paid in full, and is still showing as outstanding, as well as an account that is currently being paid on payment plan. I need to raise my score by a minimum of 10 points, any ideas if this will do the trick and how long will it take to show corrections?””
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#repost

“”
What is APR?
Do I have to pay the percentage fee of APR for a credit card annually if and only if I pass the credit line limit? late payments? and some other mistakes I make? OR Do I have to pay the APR annually no matter if I pay my credit card usage on time and do everything properly and on time?
“”
What will life be like after bankrupcy?
what Can I expect during and after Bankruptcy? Should I stop paying my Credit Card Bills, if I do won’t they show as late and they can come after me… Any Advice would be helpful, thanks…””
“”
#repost

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#repost

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Yahoo Personals advertises 7 day free trial. I dont have credit card so cannot access site at all?
If the 7 day trial is free, why cant I e mail or send IM’s to potential matches within a 7 day period? I feel this is very misleading and would like a cheat code to use for 7 days and see if I’m interested in buying into the site advertised.””
“”
Phone Number to obtain a loan payoff through Cap One NA.?
I am trying to find the phone number so I can obtain a loan payoff for one of my clients on a vehicle that she has traded in. Her auto loan in through Cap One NA. It seems to be a diffrent payoff phone number than the regular Capitol One payoff hotline. Any help would be greatly appriceated. THX
“”
Can i do balance transfers from my credit card into my debit card?

“”
A short term loan ????
I got a short term loan for 5000 for 1 year term. repayments are taken out monthly from my account. if i want to pay back the 5 thousand in 4 weeks from now is there extra charges ? and do they let you repay so quick ?. thanx
“”
What is the best credit report company online?

“My credit union has counter offered my loan….?

Update: We have been emailing back and forth. Basically the tiered rate would be 2% higher than their regular terms. But she says they can’t use my car as collateral because the trade in value is a little less than what I owe. They are asking if I have other collateral. What else could I even use? I don’t own a home, don’t have any savings, and this is my only car.


How much do i qualify for on new auto loan?
I make 38,000 dollars a year, same employment (4 years), Credit score average 640. Looking to finance a new jeep wrangler for 26,000.00 to 27,000. Is it possible to qualify for this loan? 500–2000 down.””
“”
Question about auto loan/financing…?
My bank (U.S. Bank) rejected me for an auto loan because I don’t have a long enough credit history (I’ve only had my card since November of 2003). However, my credit score is 704. I have a dealership in mind that my family has been using for ten years, and they promote their financing program as being able to help almost anyone secure an auto loan despite credit problems. Anyone know if dealerships can get an auto loan easier than a bank? I do not want to have a co-signer.””
“”
Foreclosure Question?
I had a foreclosure auction on my house scheduled a few days ago. I can look it up online to see the status. I looked it up and it says SOLD BACK TO MORTGAGEE”””” .What exactly does this mean””
“”
What are the rules of filing Chapter 13 Bankruptcy?

“”
Can I file chapter 13 bankruptcy with no assets?
I have a home in which I have an offer to sell as a short sale. I am still way over my head with CC debt. Can I file for the Bankruptcy which eleminates all debt if I don’t have any assets (a house)?
“”
How Does Credit Card APR Work?
I currently have a $1,000 balance on my credit card ($1,200 limit). I made my 1st purchase last december (holiday season). I have paid all my monthly payments fully and on time. my cards APR is 16%. my question is what will happen once the year is up? how much more will I have to pay and how much more will I have to pay a month? my minimum monthly payment right now is about $25. Sorry I dont really know how APR works and how it will affect my payments or credit…. this is my 1st credit card. Thanks Alot!””
“”
Where can i find a loan company that can unsecured loans to indviduals with seriously bad current very poor?
i have tried every were i only have one default against me ive payed various brokers admin fees and have been seriously bumped by all of them i. my dad just passed away thats why i need aloan plese help i pulling my hair out {‘’,}””
“”
How do i pay a bill online with chase?
i want to pay a citi card bill. can someone please tell me how to do it step by step. thank you~
“”
#repost

“”
How can I get a loan for personal use?

“”
Tax return after bankruptcy?
Hearing was in February 2010 and received notice of discharge in Apirl 2010. Entire 2009 refund was paid to trustee.
“”
USDA Mortgage Removing Name?
@DanB and Real Estate Guy ~ I have worked in the mortgage service industry for the last ten years. There is no way that we are going to sign a Quit Claim Deed. We will most definitely get in contact with our lawyer before that ever happens. It is not my property it is my partner’s property. We need to make sure that his bottom feeder ex doesn’t put it into foreclosure status. I have never worked with USDA loans but it seems like they are very difficult to work with from what I have observed from others. We are going to call the USDA and ask some questions about the situation and then if they are less than helpful I was thinking about sending a letter explaining the situation to the OCC (Office of the Comptroller of Currency) so we could get a response and then go to our attorney. I just want to get this taken care of as soon as possible then we can move forward with our life. One last thing. He was giving his ex the money to make the payments and she put the house into f
“”
#repost

“”
“”Have you ever worked for Check Into Cash, or any other Payday Loan store?
I just got an job interview and would like to know some information about this company or I want to here about your experiance working in this field.
“”
Question about getting a loan?
So currently im 20 years of age going to college, I have never worked but with the help of my parents and financial aid im doing okay. Now im want to buy a used car from an individual for $2000. The problem is that i nor my family have money for it. Now the question is Can i get a loan?”””” i have a checking account with $150 with US BANK. What are some things i need? Do i need credit? (i dont have any) Tell me more about it please!! -Los angeles CA-””””””
“”
What should my first time credit card be?
I have no credit but want a credit card now. I’m 20 and will be paying off each month so I won’t be paying interest but I don’t want to pay an annual fee either. Does my bank give me credit cards? Where do I go, what website? And I want Visa or Mastercard and I know I can get those because my friend with no credit got those as her first credit cards.””
“”
Can you get 100% mortgage loan with 676 credit score?
I want to purchase a condo, right now my score is 680, but I had to shop around so I think my score will go down. will I still be qualified for a 100% loan if my score is 676?””
“”
Can you use a Belk credit card anywhere?
I needed some fast cash today so I went to Belk,applied for a credit card and got instant approval.I thought wow that easy huh.I asked the lady if I could use it anywhere.She say’s yes and gives me a temp number until my card comes in the mail.So I tried to use the card at the grocery store.It didn’t work.Does that mean I can only use the credit card it their store?If so is this the same for Marshals,Tjmax and Walmart?””
“”
What U.S. bank issues Visa credit cards beginning with 4388?

“”
How can i get my ICICI home loan details online ?

“”
#repost

“”
Easiest way to get a loan?
Basically I’m 18 and looking to get and auto-loan. the loan I want is a 5 year and for $6000. The problem is that I don’t think I can get a co-signer. I make at least $700 a month at my job. My insurance is figured to be $128.58 a month. That’s a total of $228.58 (Plus whatever interest on loan) a month. Does it look like I can get one without co-signer even if I’m young and have no credit history. Also I bank at Bank of America, would it be easier to get a loan there or some other place (Please name if you have a place in mind)?””
“”
#repost

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No credit auto loan !!!?
I’m a student and looking to buy a car. I found a Mazda 6 worth 4500. I have 1500$ in cash. Dealer doesn’t finance. Banks require at least 4 credit score. I live in Chicago il. I work and go to school and there is no public transportation in Chicago suburbs. Is there anyway to get 3000$ without a high interest ? Thanks.
“”
Change name on Mortgage after marriage?
I bought my house before I was married and I am the only one on the deed and mortgage. I changed my name with my house insurance to my married name and the mortgage company is coming back and saying that my house insurance name does not match the name on my deed or mortgage. This is true because my house insurance is in my married name and my deed and mortgage are in my maiden name They told me to send a copy of my marriage license to them. My only question is come tax time will the check they send me to pay my taxes come in my maiden name or my married name? If it comes in my married name it won’t match the property tax bill. I DO NOT want to change the deed since I am the same person just a different last name. In the state of Wisconsin once you sell your house you can just sign your maiden name on the deed and state now goes by your married name.
“My credit union has counter offered my loan….?

Update: We have been emailing back and forth. Basically the tiered rate would be 2% higher than their regular terms. But she says they can’t use my car as collateral because the trade in value is a little less than what I owe. They are asking if I have other collateral. What else could I even use? I don’t own a home, don’t have any savings, and this is my only car.

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