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Related :


Where can I obtain a free credit report from?

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Question about payday loans?
are payday loans secured loans or unsecured loans?
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Does it hurt to have a negative balance on a current credit card?
I’m in the mode of restructuring my credit, and I’m paying my credit card but I overpaid it leaving a negative balance on my card balance. Keep in mind this card is still active and i’m paying it faithfully every month, only difference is that I overpaid it with a negative balance. Would this effect my credit score at all or am I over blowing thing situation?””
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How can you see your free credit report without having a credit card?
I am trying to find my credit report, but all the sites I go to, you have to use a credit card. I don’t have one and don’t want one. Does anyone know a site where you don’t have to use a credit card? Thanks:)””
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Is there any place to finance furniture after a bankruptcy?

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We filed bankruptcy BUT kept the house…what happens if we are late making our mortgage payment?
i know they won’t contact us cuz they haven’t contacted us once since we filed….i am gonna be late making our mortgage payment this month…will there be ramifications?
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Free Credit Report?
Any One knows where I could get free credit report with out signing for anything. Most of them say they re free but they want me to sign up for a credit monitoring service.
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Can I get a home loan with a fico of 571?

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Mortgage lone with IRS debt?
In response to Quick Answers”””” dont tell me what we can and cannot afford and what order we should be doing things. My husband is working with a tax attorney who recommended the payment plan. I didnt ask for your opinion on what I can afford and how I should pay it. But thanks for the unwanted opinion. We make good money thankyouverymuch and pay practically a mortgage amount in rent every month. I asked if it is POSSIBLE to get a loan… not what you think I should do.””””””
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Bankruptcy Question Help!!?
I was in an auto accident in march of this year, I was uninsured I know it was stupid you don’t have to tell me. I ended up totaling my car and two others, another cars bumper was damaged, I was found at fault. One of the other drivers try to get money from me, I told her I had no secret bank account or anything, I haven’t heard from her since, the driver of the other totaled car has sent letters claiming I owe her thirteen thousand dollars, and I received a letter from her husband who wasn’t even there, and was not involved in the crash in any way sent me a letter claiming I also owe him ten thousand dollars, the driver of this vehicle didn’t have insurance either. Then I received a letter from state farm insurance, for the lady that bumper got messed up, they claimed they paid six thousand eight hundred dollars to fix and want me to pay seven thousand eight hundred dollars, which is complete crap that lady drove away. so my question is if I file bankruptcy will this help me with this debt because I am only 19 and I owe all this money I cannot pay.””
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#repost

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“”If you have more than 1 credit card,can you file for bankruptcies on just one?
Will the other credit companies cancel you?
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How do I get a good auto loan with a credit score of 640 but they day I dont have enough credit some have al
How do I get a good auto loan with a credit score of 640 but they day I dont have enough credit some have also said working for a Temp service which I have been for over two years. I dont have a cosigner any ideas of banks you know off please let me know.
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Auto loan.. Can i ask for an auto loan of 7000$ if the used car is only worth 6000?
I’m doing this so that i can have some extra money for the car registration, license plates, state emission test, and the insurance please help me i want to be sure first before applying for the loan today. Thank you all beforehand! =)””
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#repost

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Is their an age requirement for private student loans..?
can a17 year old take out a private student loan….?
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#repost

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What are some good sites to WATCH anime that don’t require flash?
To WATCH anime that are free and don’t require flash…?
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“”When you file for bankruptcy in Connecticut, do you have to lose your house? ?””
Also, please explain bankruptcy in the simplest terms possible, thanks!””
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“”I was denied my auto loan bc revolving account balances are too low”””” why?””””””
It stated on the paper that I was denied for the following reasons: Revolving account balances are too low. There are too few revolving accounts. Original loan amounts on one or more installments accounts are too low. My credit was horrible, I had many cards max out and many late payments, lots of hospital debt too. Ive worked very hard over the last year and have paid everything off. I need a car really bad but I keep getting denied. I thought keeping low balances was a good thing. Can anyone help me understand whats going on? My score is a 570 now, what can I do to get it higher and approved?””
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I have a credit score of 664?
can someone tell me what exactly what that means. is that good or bad. i think its ok. give me the breakdown
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Chatpter 7 bankruptcy in kentucky…….?
Does anyone know when you file chapter 7 if they take all the stuff you own plus clean out your bank account? i have been told so many things and about it and how it changed awhile back. does anyone know what the truth is?
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Can I placed them (payday loan people) under my chapter 13?

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“”Banks say i can’t get a home loan to buy a property from my father,is there some way out to get a loan for it?””
i wanna buy a house from my father, which was bought by him 7yrs ago.For this i applied for home loan from banks,but banks refused to give me loan as this house i Was buying belongs to my father, can anyone suggest some way out so that i can get a home loan to buy this house from my father as otherwise my father will sell it to someone else.””
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“”Please help me with house loan and stuff, I don’t really understand?!?””
I don’t know anything about mortages, loans, etc. Recently I found steady full time work, my dad offered to help me buy a house for myself & as investment by matching whatever I put up as down payment for the house. I just started looked for property but I need to know just about how much home I can afford. I make $31,200 gross income a year, about $24,000 net income after taxes. I plan to save up at least $10,000, ideally $20,000 before I buy a house/get the loan, my dad will match my down payment. He says he will also help me get the loan, since he has much more money than me (or something, supposed to get me better rates). I currently live at home, so nearly 90% of my net wage paycheck is saved, I would break 10k in the bank before the end of the year! My dad also suggested I either rent out the whole house or at least a room to help pay for the loan. I figure the maximum I can pay per month is $1,000. can someone who knows this stuff help me? please?””
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What are the rules after a company files for bankruptcy and reopens under a new name?
Our general contractor declared bankruptcy and then reorganized and opened under a new name. There was some problems with the work they did to our house when they still operated under the old name. They now say because that company technically no longer exists, that they don;t have to do anything. Is this true?””
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Can I fund online stock trading with a credit card?
Is it possible to trade stocks online using credit, with no actual capital?””
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Can I withdraw money from my credit card?
Hi, I am currently overseas on vacation. I lost my debit card recently and wanted to know if I can withdraw cash from my credit card. I have a positive balance on my credit card (I paid more than was necessary) of like $150 dollars. I hear that you should never withdraw cash from your credit card because of high interest rates but is it okay since my credit card balance is in the positive and I withdraw only 150$?””
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Need to know how to get a free credit report?
i got a call from a telemarketer trying to sell me on a trip to Fl. she asked if i wanted to use my credit card, i told her that i didnt have one, so she insisted that i had, and that it was up on her screen that i had a master card, so i got worried about identity theft and went online to check it out. but because i don’t (as far as i know) have a credit card, i couldn’t use the free credit reports on line, is there a nother way to find out about an identity theft with out having to use a credit card?””
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#repost

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What is HDFC customercare number in Hyderabad?

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Auto loans for a college student?
I am 18 years old and will be attending college this fall.Due to being over 400 miles away from home during the holiday breaks I would like to invest long term payments on a car than other transportation. I think it will be a good investment. What car name brands are known for having good milage: most names I have read are Toyota and Honda, any other for a price range under 5k? I have recently applied for a credit card and question about how to get auto loans under new credit and 18 yrs. I plan to get under my parent car insurance ( progessive) for little to no charge. Thanks, I really need reliable transportation during breaks.””
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Where can I find an auto loan for car older than 5 years old?

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#repost

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Where can I find out my credit score?
Oh, that’s not my SSN, that’s 827–19–1928"”
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What are some good places to apply for a personal loan?

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How do you get better credit?
I am 25 years old and about 3 years ago I defaulted on a credit card that was in collections. My parents paid it for me and then I paid them back. I am looking to get an apartment, but with my poor credit, I’m afraid I won’t be able to get one. I have been employed at the same job for 3 years, I own my own car (paid in cash) and I currently do not have a credit card. I have student loans up the wazoo but I haven’t paid them because I am currently in school. When I wasn’t in school, I was unemployed for a bit and wasn’t able to catch up on all of the payments for about a year. Before I started school again, I had been paying the loans consistently every month for about a year. I don’t think all of this is good enough for an apartment. Are there any ways I can get better credit? I’m hesitant to get another credit card.””
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I just opened a auto loan. I have an extra 5k. should I put this amount towards my principal?

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I would like to know if my girlfriend bad credit does it affect me if i marrie to her?
married erros
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Law sue and credit unions loans?
For 3 months now I keep getting calls and letters from this credit union for a car loan that I don t have with them. Initially I was going to get a car loan with them but a few days later I signed a new deal with capital one. This credit union keeps calling me that my payments are over due. This loan is on my credit and the late payments are affecting my credit score. I keep calling them to tell them I don t have a loan with them and they keep telling me they are fixing the problem but it s been 3 months and they haven t fixed it. Can I sue them and if so for what or what can I do to have them actually fix the problem.?
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What does effective APR mean on a credit card?
This is for a Chase MasterCard account I have. The APR of purchases is 10.24% and on cash advances its 19.24%. But underneath that section it states in bold: Effective Annual Percentage Rate(APR): 42.59%. Is that the APR I’m going to be paying for every month I carry over a balance? It seems a bit high doesn’t it? Should I pay of my account and close it ASAP?
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How Do I Find Out My Credit Score?
I’ve tried the online way but I don’t find it very reliable.. I was just wondering if there was any other way to find it out?
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How do Secured Credit Cards work?
I have no credit. My parents are in the middle of filing bankruptcy (because of credit cards). I decided that I will never use a credit card but realized that is not good because I realized how important good credit is. I plan to get a car (which I heard helps build credit if you finance it). I keep reading about secured credit cards. HERE IS WHAT I KNOW: -You put a deposit down (say $500) and if you default (does that mean you miss a payment?) it comes out of that deposit -You cannot go over your deposit limit Also I keep reading people saying to not go over 10% or 15% balance on the card. What does that mean? (Does it mean to not use the card for more than 10–15% of your deposit? So for example a $500 deposit would that mean not to go over $50-$75 each month in charges?)
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How can i get in touch with the credit reporting service experian and actually talk to a real person?

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#repost

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What is the average credit score?
My credit score is Equifax 693,Experian 719,Transunion 715…How is this?…Is this good?…””
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How can I get my credit score online?
I want to get my credit score online without enrolling in anything. Is there a site I can get it at by just paying a one time only fee?
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“”Where do I get an actual free”””” credit report?””””””
How do i get a real free credit report. A lot of companys offer a free credit report, but you have to sign up for their credit monitoring service. is this not false advertising””
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#repost

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How do yo get your credit started if no one will give you credit?
I have tried credit cards, furniture stores, jewerly stores, etc. I just bought a house for 83,000 and no body else will give me credit. what the heck??? I did just get a credit card from aspire but I don’t plan on keeping it very long because I don’t like them, just long enough to raise credit. Who will give me credit? I need new furniture but how do I get it if no one will let me? Please help me!!!””
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Financially destroyed by Payday loans need advice.?
As I sit here my account is overdrawn by $700. It’s going to continue to be overdrawn because I have $7000 in Payday loans that keep coming out, even though I tried to stop payment on them. I am about to close my account so that I can keep my paycheck this week, and just have my employer give me a check. Is this legal? If I don’t do this my whole check will be gone before it hits the bank and I am a month late on rent.””
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Is there a site that pre approves you for an auto loan?
is there a site that preapproves you for an auto loan on the spot? instantly?
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Should banks have the legal right to assign a mortgage to a third party?
Do you supportor opposea bank’s right to assign a mortgage to a third party?
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Will the banks get a second bailout?
It looks like things are falling apart left and right and the banks having drunk long and hard at the font of inexhaustible wealth are ready to dive toward bankruptcy again with the domino effect of bad debt in the European economies. So if a string of European countries default on their sovereign debt and the banks take a huge hit will the UK government step in and give the banks another huge wedge of money borrowed on my behalf?
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#repost

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Anyone know of any bad credit student loans?
I am 25 years old and attended college out of high school. Due to illness in the family I had dropped out to return home and help out. Since then my grandmother has passed away and I have fallen on hard times. I am not eligible for federal or state student aid due to my loans defaulting. I wish to go finish up my college degree in order to obtain a good job. With this said I have poor credit. I am looking for student loan lenders that lend to people with bad credit or do not credit check at all. Interest rates are not my concern as of now. I simply want to return to college and finish my degree no matter what the cost is further down the road. Thank you for all your help.
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Best Agency for Credit Report?
Hi There, I’m hoping someone may have some feedback on the following. I want the safest agency to obtain a credit report from and am looking for the website address of the national credit report (free) offer that has been in the news lately. Does anyone know the name/address? Thanks in advance and hope you have a great weekend ahead!””
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What are the best credit cards?
i’m 20 and in college..i have a part time job and want to start building my credit..whats the best way to do that…i don’t want to spent a lot of money or anything…i just don’t want to be left with out money every time i get paid..i also don’t have credit..do u know of credit cards that would b good for me
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“”What is the easiest and fastest way to get a $3,000 personal loan?””
I’m trying to purchase a car and all the auto loans have to be $7,500 or higher and I only need 3k.””
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I need a payday loan that don’t do credit checks.?
I have bad credit but I need just around $300 to carry me til payday. I am able to pay the loan in full on my payday but all the sites I jump on say no credit checks yet they do check credit. I am getting really frustrated as I need this money to tie up my utilities bill. I keep hitting walls :(
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Are payday loans legal in NYS?
I received a payday loan a couple years ago via the INTERNET and I live in NY. I agreed to a post written check over the INTERNET to pay back the loan. Long story short, the money to pay the loan was not in the account when they tried to collect and I shut the account down. Now I have a third party collector threatening to call the police on me for a bad check”””” because the money was not in the account. It was an accident and I did not intentionally not have the money in the account””
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#repost

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“”I can’t get financial aid, but I need money for college…?””
Ok, so my parents make WAY too much money for me to get any financial aid AT ALL ( their expected contribution”””” is like $45"”
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How To/Advice On Obtaining An Auto Loan For A Business?
Hello Friends — I am a landscape company owner of 4 years, and I am 20 years old. This is our second year in business legally. I have been able to expand the business drastically the past two years. Most financial institutions will not grant a business any type of loan until you have proof of at least 3 years worth of returns. I can’t get a bank to talk with me or give me advice because they say have you been in business for 3 years?? — No, well I’m sorry there is nothing I can do to help you. I have a personal credit score of 742, with $16,000 remaining of a $24,000 credit purchase through Toro Lawn Mowers/GE Money. I know the head salesman at the lawn shop and he convinced GE Money to extend my credit, he said he has been doing business with me for 3 years and that I have 100 mowing accounts and can afford it easily, so after he pulled a few strings they granted me the purchase. I am in desperate need of replacing a work truck for a F250 diesel price ranging $15k-$20k. I can easily afford the payments, but I do not have a co-signer, my father co-signed for the mowers and that now has his entire credit tied up, and I have no other options for a co-signer. ANY suggestions or what I can do to get an auto loan at a reasonable interest rate within the next 14–30 days??? Thanks””
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Kohls charge card good for building credit?
Today I got a kohls charge card and was approved for a $300 limit which I know is low, I also saw cap one is the issuer. I have seen many people on here say they hated cap one for not showing your credit limit. does the credit limit issue affect building credit with this card? this is my only charge card and plan to pay it in full monthly and I may cancel it if this does nothing for my credit score””
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#repost

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What happens if I don’t pay my cash advance?
I have no money to pay for them anymore, will they go to my work to look for me? Or do they really just do phone calls only?””
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Are Urban-vintage.com and Promgirl.com reliable sites?
I meant unique-vintage
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Should i file for bankruptcy?
I posted earlier about my 3 credit cards in the amounts of $600,$1200 $600. Now as i stated before I am working 40 hrs, but not making ‘enough’ to cover these amounts, since they want FULL payments, i offered to pay 50 every pay and they can’t accept that. I haven’t been served court papers yet anyway. I do have other account out there,that I PAY — I have a car payment which i religiously pay never missed a payment and student loans 2 of those student loan accounts are in deferment (since i do not make enough to pay right now) the last one i am paying on never missed a payment. So I just really don’t have the money for theses credit cards that i defaulted on. I understand what im doing to my credit but im trying to work with them and its not helping. Should i just file for bankruptcy im tired of the calls. I also forgot to mention i have a medical bill on there for 75, which i will pay since that is something i can afford in full, what will happen to it on my credit report since its already been sent to collections?””
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“”What does credit card utilization”””” mean on my credit score?””””””
My credit score keeps going down because of my credit card utilization””””. I have no idea what that means and what I’m doing to cause it to keep going down because of it. It says “”””Credit card utilization is defined as your total credit card balances divided by your total credit card limits. “””” So what could I be doing wrong? What should I be doing to make it better?””””””
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Can anyone give me reviews about the website Howrse?
Ok, so i need to know if howrse is a safe website to use? I have been using it for a little while but I’ve never bought passes or money before.and i really need to. So really i just want your reviews on the site and if it would be safe to give my credit card number to them to pay $2.00 for a pass? Please no rude answers Thank You!””
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#repost

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

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I need a pay day loan!?
I need a pay day loan…I make 950.00 a month on unemployment..I only need to borrow under 500.00…and I can pay it all back within a month…Every payday loan website I go to..U need to either 1. be employed..2 make over 1000.00 a month..and 3. there is a 100.00 application fee….ne1 know of ne easy sites where I can get a fast loan with my situation? THANKS!
“”
Bankruptcy wait till next year?
Should I file bankrupt this year or wait till after taxes in january?
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What auto loan interest rate will i be offered?
My credit is about 600 and wifes is around 650. We make about $130,000 as a combined income. I have a 2000 VW Jetta that i will probably try and sell myself. We are looking to buy 07/08 Pathfinder. Please send only serious info!!! Thanks ahead of time!! Also our debt to income ratio is about 20–30%.””
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Is there Debt Consolidation company that handles Payday loans and other debts?
Here’s what I have: $1000 payday loan debt $2000 debt to college $567 credit card debt Yeah, I’m not too proud of all that, but is there a debt consolidation company which can handle all of these categories of debt? I’ve only been able to find ones which handle only one type but not all three.””
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“”Buying a $1,000 laptop on a new credit card, is it better to put $300 down or make the $300 as my 1st payment?””
just got a best buy credit card, buying a macbook at about $1,000, I can put $300 down for it, but I’m wondering if it will look better on my credit if I make the first min. Payment $300? Or maybe I should save the $300 and pay tripple the min payment every month. What’s the best option and pros/cons? Thank you!””
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I am filing chapter 7 bankruptcy can a buy here pay here car lot repo my car before the bankruptcys discharged?
i just wanted to know if they can legaly take my car before my bankruptcy is discharged if i stop makeing my payments
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Sbi — memorandum of deposit -home loan?
i have taken a home loan with SBI — they are asking me to register meemoradum of deposit and say it is 0.5% of the loan amount — is it not 0.1% of the loan amount can this be waived if negotiated with the bank
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#repost

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Do you think I would be able to get an auto loan with my conditions?
I am looking at a 2001 Jeep Grand Cherokee that has 95k miles on it. It’s for sale for $5600. I have $1600 to put as a down payment but need the rest financed. Would a bank or credit union finance the rest for me w/my credit score of the low 600s? Any advice?
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Should i file bankruptcy?
I have a 93 acura legend with 245000 miles on it however i still owe like 3500 on it. I i have been trying to get a newer car but because of my credit being bad I its been hard. alot of places dont want to trade in my acura. Should I file bankruptcy and start all over? I have alot of medical bills and in debt about 12000 due to a family member using my identity and my ex boyfriend wrecking a car that i owe 7000 on.
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What credit card is best to re-establish credit after bankruptcy with lowest apr?

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Too bankruptcy or not too bankruptcy?
Ok, after many months of fighting and battling trying to keep my families head above water, i believe its a losing battle. So how bad is bankruptcy? I mean we did figure it out that if we cut everything(cable,cell phone, any entertainment) after a couple years we could have some breathing room. Now I do have a new baby in our life so its not going to get any easier. I know how much and for how long they say it affect you but I have also heard that you can get over it in under a year with creditors. I guess its just affected me mentally,emtionally, and also physically so much that I don’t think I can take it. What should I do?””
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#repost

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HOW CAN I GET OFF PAY DAY LOANS?
NEED SOME HELP WITH PAYDAY LOANS, THESE THINGS ARE HORRIBLE AND GET YOU SNAGGED IN””
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Where can I get my credit score online?

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Auto Loans/Credit Question?
I’ve been trying to get a car and convince either of my parents to take out a loan for me (or finance with the dealers because that’s easier). But they claim to have not-so-good and/or bad credit. Would it be better for me to just wait until I turn 18 (February) And finance on no credit rather then my parents bad credit? (I can afford a car and my parents cannot always take me to work (Especially the places that are offering me jobs, I’d rather not walk in the cold! Just to answer any of the ‘Shes’s not even 18, why?’ questions XD)””
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Im being denied a credit report wtf?
i went to annualcreditreport.com and was told by all three credit issuers (transunion, equifax etc) that i cannot view my credit info online. What am i supposed to do? there are no numbers for me to call and i just want top see who i need to pay in order to rebuild my credit. i am 24 and have never had an open line of credit , i may have some library books i never returned and some er visits that i never paid for. how am i supposed to see whats going on with my credit?””
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Found a AMAZING home… Cash only OR rehab loan?
What exactly is a rehab loan? Does it include the price of the home PLUS the amount needed to fix the home? Can you still offer less than what they are asking for the home or do you have to pay full price with a Rehab loan? Thanks! *The home is valued at more than twice its list price- once the renovations are complete.
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Freecreditreport.com vs truecredit.com?
Hi, I am an 19 year old college student and I don’t know much about credit lol. I had a credit card for a year now and i havent missed a payment but my balance is higher than it should be considering my limit. I never went over my limit but again, my balance could be lower. Last month my experian score was 694. Enough about me…I have been a member of freecreditreport.com for just about a month now. I got an offer to get the 3 credit reports from truecredit.com for free for 30 days. I plan on canceling it soon but I have encountered an issue of sorts. I got the 3 scores and accoring to truecredit.com my Experian score is 638. Interestingly enough, I just re-ordered/refreshed my credit report at freecreditreport.com and its showing that I have a score of 704(=D). So can someone tell me why is this so? I really hope my score is 704 and not 638 but I don’t know which score/website is more accurate. Can someone please clear this up for me? Thank you for helping me with my credit ignorance!””
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“”Once the $8,000 tax credit and mortgage rates rise, where will home prices go then?
ed- why don’t you try answering the question?????
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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.””
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“”What does it mean to get pre-qualified”””” for a home loan?””””

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How to buy stuff online without a credit card?
So i really want to buy this thing in a website so they only accept the cards Visa, Mastercard, and American Express. I dont have a credit card (cause im still a minor) and i was trying to find out how to pay things if you dont have a credit card and i found this video: http://www.youtube.com/watch?v=MuHthM38i58 So i wanted to know if it worked, or any other options? (yes, i can get my parents to get me card, but preferably something i can do and is not a scam)””
“”
I am in bankruptcy and now creditor filed bankruptcy?
I was awarded a house in divorce. The mortgage is in his name. I was suppose to make payments to ex according to judgement for divorce, but could not keep up so I filed bankrupcty to protect it from him. He filed bankruptcy later. Does this mean he gets ownership of the home now?””
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Best place to file your taxes and why?
My husband wants to file his taxes at a tax filing place instead of using taxact like he did last year. He wants to do that because he wants to get his return back in the same day. What is the best place to do that and why?
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I was dumb and I took out a few payday loans…should I contact a lawyer for legal advice?
When I took out the loans, I had to write a post-dated check for each one. That’s usually how it works, so when I was unable to pay the roll-over fees any longer, all the checks went to the bank and bounced. That’s when I was referring to when I said the checks were returned. As far as my bank charging me for something, it was a service fee that I should not have been charged. I have had a lot of problems with this bank anyways. This isn’t the first time they have screwed me, and they denied any wrong-doing on their part. They only refunded me one of the overdraft fees, which is bull crap. But I do not bank with them now anymore…I actually opened a new account through someone else, so it doesn’t matter. I’ll pay the overdraft fees as soon as I can.””
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“”What is a loan disbursement, and how does it affect interest?””
i don’t quite understand the nature of a loan disbursement. (i’m dealing with a federal direct unsubsidized student loan and a federal direct parent PLUS loan). is a disbursement like using PART of a loan? or is a disbursement THE loan amount? like say in total over a year you are going to have to borrow 5000 — my question is does splitting it up into 2 disbursements mean you pay interest on 2500 for half a year, then when you want to use the next 2500 for the next half year, after that second half is disbursed, do you start paying interest THEN or at the beginning when you decided you’ll need 5000? i did a really bad job explaining that, but basically my question is what is a disbursement and does getting several disbursements affect the amount of interest accrued? (i understand that each disbursement creates a fee, but i am right now wondering about the interest so that i can compare what’s better)””
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