Question by Joe S: Aren't the democrats to blame for the economic problems in America?
Wasn't it the democrats in the 1990s who passed acts to force banks to give out loans with Adjustable Mortgage Rates to people with bad credit (sub-prime mortgages) ... then when the rates adjusted themselves every 5 years, a lot of these sup-prime people were unable to pay their loans back ... which eventually lead to banks having their assets clogged ... which eventually lead to a trickle effect with
Selasa, 31 Januari 2012
Should I get a different car if I need out of a lease?
by Chris Devers
Question by : Should I get a different car if I need out of a lease?
I had two leased vehicles, back when the economy was booming, and I had to turn one in recently prior to the end of term. So, that is showing as a repo on my credit of course. I have another vehicle that is leased (07 mustang convt) but I am putting WAY too many miles on this vehicle (I drive 60 miles a day to and from work alone). I would need to turn it in at the end of the lease in two years (5 year
Question by : Should I get a different car if I need out of a lease?
I had two leased vehicles, back when the economy was booming, and I had to turn one in recently prior to the end of term. So, that is showing as a repo on my credit of course. I have another vehicle that is leased (07 mustang convt) but I am putting WAY too many miles on this vehicle (I drive 60 miles a day to and from work alone). I would need to turn it in at the end of the lease in two years (5 year
Q&A: New car with bad credit in Chicago?
Question by nickamc80: New car with bad credit in Chicago?
Im looking to buy a new car but my credit is very bad.
Does anyone know of a car dealership near CHICAGO,IL that would finance someone with very bad credit??
Best answer:
Answer by serb423most car dealerships will, but they would charge you high interest and would ask for a downpayment.
Give your answer to this question
Im looking to buy a new car but my credit is very bad.
Does anyone know of a car dealership near CHICAGO,IL that would finance someone with very bad credit??
Best answer:
Answer by serb423most car dealerships will, but they would charge you high interest and would ask for a downpayment.
Give your answer to this question
Whats the deal with "Special Financing" for auto loans? If you have bad credit, how much will they give you?
by eyewash
Question by : Whats the deal with "Special Financing" for auto loans? If you have bad credit, how much will they give you?
How does it work? Will i still be able to get a decent car with bad credit (say 550 score), even if it means higher rates?
Best answer:
Answer by Chris"Special Financing" is the dealer's way of saying "We used extra lube to bend you over and get this deal done". There is NO advantage to buying a car like this if you have bad credit. You are better off
Question by : Whats the deal with "Special Financing" for auto loans? If you have bad credit, how much will they give you?
How does it work? Will i still be able to get a decent car with bad credit (say 550 score), even if it means higher rates?
Best answer:
Answer by Chris"Special Financing" is the dealer's way of saying "We used extra lube to bend you over and get this deal done". There is NO advantage to buying a car like this if you have bad credit. You are better off
Q&A: Credit, Mortgages and Interest Rates?
Question by ♥ Mary ♥: Credit, Mortgages and Interest Rates?
I have really bad credit (under 500 I think, cause I have about $ 1,700 on all my credit reports.) Can I still get a mortgage loan from just about anyone as long as I can pay 30% down? What about 20% down? What would my interest rate be?
I asked this somewhere else, but I didn't get a straight answer. So, here is more details. The $ 1,700 on my credit report is not credit card debt. Things like medical bills, some bad checks,
I have really bad credit (under 500 I think, cause I have about $ 1,700 on all my credit reports.) Can I still get a mortgage loan from just about anyone as long as I can pay 30% down? What about 20% down? What would my interest rate be?
I asked this somewhere else, but I didn't get a straight answer. So, here is more details. The $ 1,700 on my credit report is not credit card debt. Things like medical bills, some bad checks,
Bad credit during a job application, will an explanation help?
by Renegade98
Question by Nani R: Bad credit during a job application, will an explanation help?
A friend of mine recently started working, and one of the vendors wanted to do a credit check. He unfortunately has several negative credit items, and they replied back asking for an explanation. If he explained that he would be rectifying those items soon, and how they came into his history on account of identity theft, would they allow him to continue working?
Best answer:
Answer by
Question by Nani R: Bad credit during a job application, will an explanation help?
A friend of mine recently started working, and one of the vendors wanted to do a credit check. He unfortunately has several negative credit items, and they replied back asking for an explanation. If he explained that he would be rectifying those items soon, and how they came into his history on account of identity theft, would they allow him to continue working?
Best answer:
Answer by
Whats the best way to get a lower monthly payment loan with bad credit?
Question by cantholdmd: Whats the best way to get a lower monthly payment loan with bad credit?
Whats the best way to get a great mortgage? Going through a broker? A website? Quicken/LendingTree??
I plan on moving within 3 years so is a 3/5 year ARM a good idea?? Balloon? Please help with any information possible.
THANKS
Best answer:
Answer by Bart MIt seems that the over arching situation here is not ones credit status as it is one ability to properly budget and live within the
Whats the best way to get a great mortgage? Going through a broker? A website? Quicken/LendingTree??
I plan on moving within 3 years so is a 3/5 year ARM a good idea?? Balloon? Please help with any information possible.
THANKS
Best answer:
Answer by Bart MIt seems that the over arching situation here is not ones credit status as it is one ability to properly budget and live within the
Q&A: First time home buyer; bad credit history.?
Question by : First time home buyer; bad credit history.?
I want to buy a house, just a small little house, nothing fancy but in move in condition. I have bad credit history, but have not incurred any bad credit in about 10 yrs. I have also managed to pay the biggest debt off and am working on the smaller ones..I've made a plan to buy a house in five years..will have saved approx. $ 50,000.00 by then. between my partner and myself. Banks prob won't touch me, even with same steady job, so
I want to buy a house, just a small little house, nothing fancy but in move in condition. I have bad credit history, but have not incurred any bad credit in about 10 yrs. I have also managed to pay the biggest debt off and am working on the smaller ones..I've made a plan to buy a house in five years..will have saved approx. $ 50,000.00 by then. between my partner and myself. Banks prob won't touch me, even with same steady job, so
Q&A: Let me get this right...About Credit, Mortgages and Interest Rates?
by YoTuT
Question by ♥ Mary ♥: Let me get this right...About Credit, Mortgages and Interest Rates?
I am going to be coming into money in the next few months and I will have to move very soon after getting it. I will be paying off what is on all of my credit reports, but I read that it takes 4 to 6 weeks before my score will improve and even at that I don't think it would help that much.
Even though I have really bad credit (under 500 I think, cause I have about $ 1,700 on all my
Question by ♥ Mary ♥: Let me get this right...About Credit, Mortgages and Interest Rates?
I am going to be coming into money in the next few months and I will have to move very soon after getting it. I will be paying off what is on all of my credit reports, but I read that it takes 4 to 6 weeks before my score will improve and even at that I don't think it would help that much.
Even though I have really bad credit (under 500 I think, cause I have about $ 1,700 on all my
Credit score vs. mortgage interest rate...?
Question by Sara: Credit score vs. mortgage interest rate...?
Another house-buying question from me, here...
I was researching this, because I intend to buy a mortgage with a long term and fixed interest rate. My credit score is currently a 620, and my husband's is a 650 (considered "fair", by what I've read). The ballpark I got for mortgage interest rates, at that level, was 7.0-7.5%. Does that seem realistic?
My credit is by no means bad, I have no late payments at all, nothing over
Another house-buying question from me, here...
I was researching this, because I intend to buy a mortgage with a long term and fixed interest rate. My credit score is currently a 620, and my husband's is a 650 (considered "fair", by what I've read). The ballpark I got for mortgage interest rates, at that level, was 7.0-7.5%. Does that seem realistic?
My credit is by no means bad, I have no late payments at all, nothing over
Is it eaiser to get approved for a gas card...?
Question by Angel: Is it eaiser to get approved for a gas card...?
when you have bad credit? I dont want to apply and get denied cause thats just gonna look even wrose on my credit report. I'm wanting to get something that i can use to rebuild my credit. If you know of somthing specific that i can use that is easy to get approved for please let me know. Thank You
Best answer:
Answer by hazel2nutsyep it is
Add your own answer in the
when you have bad credit? I dont want to apply and get denied cause thats just gonna look even wrose on my credit report. I'm wanting to get something that i can use to rebuild my credit. If you know of somthing specific that i can use that is easy to get approved for please let me know. Thank You
Best answer:
Answer by hazel2nutsyep it is
Add your own answer in the
Can you lease a car???
Question by LARGE MARGE: Can you lease a car???
....with a bad credit rating and bankruptcy?
Best answer:
Answer by curmudgeonprobably not, but you can buy it on time...just at high interest.
What do you think? Answer
....with a bad credit rating and bankruptcy?
Best answer:
Answer by curmudgeonprobably not, but you can buy it on time...just at high interest.
What do you think? Answer
Q&A: Why dont the Feds reduce the interest rates. And Cap the interest rates of people with bad credit.?
Question by kimmes: Why dont the Feds reduce the interest rates. And Cap the interest rates of people with bad credit.?
The higher the rate the more likely people will lose there home, the more likely banks will close their doors and it is a domino reaction. If the Fed's would come in and regulate the Mortgage Broker Industry completely STOP PRE-PAY PENALTIES and cap the Interest rates of people who have had some bad luck st 2 above A paper loans there would be a tremendous decrease in the
The higher the rate the more likely people will lose there home, the more likely banks will close their doors and it is a domino reaction. If the Fed's would come in and regulate the Mortgage Broker Industry completely STOP PRE-PAY PENALTIES and cap the Interest rates of people who have had some bad luck st 2 above A paper loans there would be a tremendous decrease in the
How Do I get a $200,000 Loan with Bad Credit and no collateral?
by marsmet461
Question by Rob A: How Do I get a 0,000 Loan with Bad Credit and no collateral?
Hi my name is robert and I need $ 200,000 to restore my credit, pay others who have lent me money and have 1 consolidated bill. I can afford to pay $ 3000 a month for a monthly payment. where can I go for help? Please real answers, I'm really trying to get out of this hole.
Best answer:
Answer by SPIFIMAN1Sorry to hear about your problems Robert but the truth is without collateral or
Question by Rob A: How Do I get a 0,000 Loan with Bad Credit and no collateral?
Hi my name is robert and I need $ 200,000 to restore my credit, pay others who have lent me money and have 1 consolidated bill. I can afford to pay $ 3000 a month for a monthly payment. where can I go for help? Please real answers, I'm really trying to get out of this hole.
Best answer:
Answer by SPIFIMAN1Sorry to hear about your problems Robert but the truth is without collateral or
Senin, 30 Januari 2012
Q&A: How does having multiple bank accounts affect your Credit Report?
Question by J C: How does having multiple bank accounts affect your Credit Report?
I read once ( at freecreditreport.com ) that having multiple bank accounts open at the same time can reduce your credit score. For example, I currently have a checking and a savings. If I open an additional Checking today, will it look bad to a potential creditor? If you know, please advise....thank you.
What happened specifically was, I had opened a 3rd banking account, and that action was listed under
I read once ( at freecreditreport.com ) that having multiple bank accounts open at the same time can reduce your credit score. For example, I currently have a checking and a savings. If I open an additional Checking today, will it look bad to a potential creditor? If you know, please advise....thank you.
What happened specifically was, I had opened a 3rd banking account, and that action was listed under
Someone opened credit cards in my name?
by eyewash
Question by : Someone opened credit cards in my name?
I was denied a carecredit loan for dental work which was shocking considering I always had good credit. So I decided to pull my credit report and there were 2 credit cards that were opened last year that aren't mine! I mean, I never opened them. They both had positive payment history for a few months, then whoever opened these accounts stopped paying and now they're both in collections! I moved last year so I think someone
Question by : Someone opened credit cards in my name?
I was denied a carecredit loan for dental work which was shocking considering I always had good credit. So I decided to pull my credit report and there were 2 credit cards that were opened last year that aren't mine! I mean, I never opened them. They both had positive payment history for a few months, then whoever opened these accounts stopped paying and now they're both in collections! I moved last year so I think someone
I'm unemployed with bad credit, could i get car finance?
Question by : I'm unemployed with bad credit, could i get car finance?
Hello i am currently unemployed and have a very very bad credit report. I am wanting to get a car so i can do the employment that i want to do, would any fiance dealer take me on? thanks for your answers
Best answer:
Answer by Age of ReasonNo. You have poor credit and no income.
Know better? Leave your own answer in the
Hello i am currently unemployed and have a very very bad credit report. I am wanting to get a car so i can do the employment that i want to do, would any fiance dealer take me on? thanks for your answers
Best answer:
Answer by Age of ReasonNo. You have poor credit and no income.
Know better? Leave your own answer in the
Q&A: Thinking of buying first home, but I have bad credit and no down payment?
by eyewash
Question by nkengaola: Thinking of buying first home, but I have bad credit and no down payment?
I keep going back and forth:
- I could wait a year and improve my credit and save for a down payment. I would continue paying more in rent than I would in mortgage and insurance, but I would have more money in savings and better credit, therefore a lower interest rate,
-Or I can get something now at a higher rate of interest, and pay less than I do now in rent, and split the
Question by nkengaola: Thinking of buying first home, but I have bad credit and no down payment?
I keep going back and forth:
- I could wait a year and improve my credit and save for a down payment. I would continue paying more in rent than I would in mortgage and insurance, but I would have more money in savings and better credit, therefore a lower interest rate,
-Or I can get something now at a higher rate of interest, and pay less than I do now in rent, and split the
High mortgage payments need to be lowered?
Question by D H: High mortgage payments need to be lowered?
I bought a house worth 120K at appraisel time which was 8 months ago.I paid 106K for it and have been making my monthly payments on time every month.My current lender charges me well over 1K for morgage payments every month but I would like that to be lowered.I have a high PMI with a fixed rate of 7.5% .I have a few past credit issue's one over 5 yrs old and another one is nearing 7 yrs old so I was told with those two issue's that
I bought a house worth 120K at appraisel time which was 8 months ago.I paid 106K for it and have been making my monthly payments on time every month.My current lender charges me well over 1K for morgage payments every month but I would like that to be lowered.I have a high PMI with a fixed rate of 7.5% .I have a few past credit issue's one over 5 yrs old and another one is nearing 7 yrs old so I was told with those two issue's that
Is exceeding or coming close to your credit balance bad for your credit score?
by eyewash
Question by Zach Z: Is exceeding or coming close to your credit balance bad for your credit score?
I'm in college, and i recently got my first credit card. I have had it for 7 months, and I have an automatic online payment scheduled for every month from my savings account. I payed each statement in full and on time and thought this was enough, but I just read an article stating that you should be at 30% of your credit balance.
I have a $ 500 balance limit and a $ 750 credit
Question by Zach Z: Is exceeding or coming close to your credit balance bad for your credit score?
I'm in college, and i recently got my first credit card. I have had it for 7 months, and I have an automatic online payment scheduled for every month from my savings account. I payed each statement in full and on time and thought this was enough, but I just read an article stating that you should be at 30% of your credit balance.
I have a $ 500 balance limit and a $ 750 credit
Q&A: Can car dealership be able to offer payments and rebates for a late payment lease?
by Chris Devers
Question by tellher: Can car dealership be able to offer payments and rebates for a late payment lease?
I am 1 month continuously behind on my lease for the past 6months due to financial income drastically decreased. For which, I had contact the 'GMAC/Ally' financing company about helping me with some kind of refi and of course they said they don't do that.
Anyway, 5-6 months ago I had called up my dealer asking what they can do to help my get out of my lease and into a
Question by tellher: Can car dealership be able to offer payments and rebates for a late payment lease?
I am 1 month continuously behind on my lease for the past 6months due to financial income drastically decreased. For which, I had contact the 'GMAC/Ally' financing company about helping me with some kind of refi and of course they said they don't do that.
Anyway, 5-6 months ago I had called up my dealer asking what they can do to help my get out of my lease and into a
Bad credit, no income verification LOAN question?
Question by libra1128: Bad credit, no income verification LOAN question?
Here is my situation: I don't have good credit....it's not that bad, but not good. I also don't make that much money a month (hence the no income verification I need). I need to take out a loan for about $ 50,000 to pay off my debt. I want to do this to have one monthly payment and I want a loan under 10% interest......I am paying 18-20% interest on my debt (credit cards) right now....so a loan at a lower rate would be
Here is my situation: I don't have good credit....it's not that bad, but not good. I also don't make that much money a month (hence the no income verification I need). I need to take out a loan for about $ 50,000 to pay off my debt. I want to do this to have one monthly payment and I want a loan under 10% interest......I am paying 18-20% interest on my debt (credit cards) right now....so a loan at a lower rate would be
How much will my fiances bad credit hurt our mortage loan?
Question by iceman: How much will my fiances bad credit hurt our mortage loan?
I have solid credit, a round a 700 credit score. However my Fiance has poor credit due to some problems in college and her lack of using credit in the past few years. Her income is very good, and without it I could ever carry the mortgage we are looking for on my own. My question is how much will her credit score effect the type of rate we get or the get of line we get?
Best answer:
Answer by cmdgrrlabout
I have solid credit, a round a 700 credit score. However my Fiance has poor credit due to some problems in college and her lack of using credit in the past few years. Her income is very good, and without it I could ever carry the mortgage we are looking for on my own. My question is how much will her credit score effect the type of rate we get or the get of line we get?
Best answer:
Answer by cmdgrrlabout
I need a quick loan, with no established credit or job history.. Help?
Question by elizabeth l: I need a quick loan, with no established credit or job history.. Help?
I'm in a situation. Up until I October I was recieving SS benefits which paid my rent and utilities. I am in my third trimester of my pregnancy, haven't had much luck in finding work, and the one job I did find waitressing fired me for being pregnant (lawsuit pending). November, I was able to scrape by doing some odd jobs to pay my rent, but now coming is Decembers rent and utilities and I have no
I'm in a situation. Up until I October I was recieving SS benefits which paid my rent and utilities. I am in my third trimester of my pregnancy, haven't had much luck in finding work, and the one job I did find waitressing fired me for being pregnant (lawsuit pending). November, I was able to scrape by doing some odd jobs to pay my rent, but now coming is Decembers rent and utilities and I have no
Is going over your credit limit just as bad as making a late payment?
by marsmet461
Question by turbo_shagwell: Is going over your credit limit just as bad as making a late payment?
I always pay my husband and my credit card payments on time. However, because both are close to the credit limit, a few times they have gone over the limit by a little bit because of the monthly finance charges. Does this hurt your credit score as much as making a late payment? My husband doesn't seem to think so, but I DO. We just tried to get a loan and they said we had
Question by turbo_shagwell: Is going over your credit limit just as bad as making a late payment?
I always pay my husband and my credit card payments on time. However, because both are close to the credit limit, a few times they have gone over the limit by a little bit because of the monthly finance charges. Does this hurt your credit score as much as making a late payment? My husband doesn't seem to think so, but I DO. We just tried to get a loan and they said we had
Q&A: Can a spouses credit ruin a mortgage rate?
Question by : Can a spouses credit ruin a mortgage rate?
I have a credit score of 800+... my gf has no credit (no car loans, student loans are in her moms name, and she has no credit cards). I am working with her to build her credit so down the road if we move forward and get married she will have some sort of credit. If we decided to get a house and her credit is bad, is there a way to take the loan out in my name and based on my credit alone? Or is it once you are married, your credit
I have a credit score of 800+... my gf has no credit (no car loans, student loans are in her moms name, and she has no credit cards). I am working with her to build her credit so down the road if we move forward and get married she will have some sort of credit. If we decided to get a house and her credit is bad, is there a way to take the loan out in my name and based on my credit alone? Or is it once you are married, your credit
Minggu, 29 Januari 2012
If you have no credit and you have a co-signer with perfect credit?
Question by Anna: If you have no credit and you have a co-signer with perfect credit?
I want to buy my leased car but I have no credit. I can't establish any at the moment because I'm having a hard time finding a job that makes my income the minimum amount. My grandma has perfect credit and if she were to be a co-signer, would they look at her credit to figure out the types of payment I would have? Like bad/no credit get higher payments and excellent credit gets lower payments? Or does it
I want to buy my leased car but I have no credit. I can't establish any at the moment because I'm having a hard time finding a job that makes my income the minimum amount. My grandma has perfect credit and if she were to be a co-signer, would they look at her credit to figure out the types of payment I would have? Like bad/no credit get higher payments and excellent credit gets lower payments? Or does it
Will I get bad credit if I paid my credit card late?
Question by militarywifey: Will I get bad credit if I paid my credit card late?
So I checked my account on the BOA website and it gave me a late fee but my payment for it was delayed because I use USAA to my bills and I guess it takes time for it to go through. Will I get bad credit if I just had one late payment?
Best answer:
Answer by denastimmsNo, just make sure in the future you pay on time and you will be fine.
Give your answer to this question
So I checked my account on the BOA website and it gave me a late fee but my payment for it was delayed because I use USAA to my bills and I guess it takes time for it to go through. Will I get bad credit if I just had one late payment?
Best answer:
Answer by denastimmsNo, just make sure in the future you pay on time and you will be fine.
Give your answer to this question
Q&A: How can I get a car with no credit, new job, no co-signer, and no money down?
by eyewash
Question by Heather: How can I get a car with no credit, new job, no co-signer, and no money down?
Hi y'all. My fiance wrecked my kitted out Mitsu Galant and all I had was liability coverage. We are expecting a child in less than two months and no way around. My credit is screwed due to a divorce but he's trying to buy me a car for wrecking mine so we can have transportation. I have drove all around NC(in a borrowed car) looking for help. The only place that will help us is
Question by Heather: How can I get a car with no credit, new job, no co-signer, and no money down?
Hi y'all. My fiance wrecked my kitted out Mitsu Galant and all I had was liability coverage. We are expecting a child in less than two months and no way around. My credit is screwed due to a divorce but he's trying to buy me a car for wrecking mine so we can have transportation. I have drove all around NC(in a borrowed car) looking for help. The only place that will help us is
Need $3,000 to join the Marines. I have TERRIBLE credit and no money!!!?
Question by luckkky13: Need ,000 to join the Marines. I have TERRIBLE credit and no money!!!?
Okay.....I need 3k to take care of a bunch of things so I can leave for the Marines. I want and wish to leave in January if all goes well and I can take care of my problems.
Does anyone know where I can borrow 3 grand from with horrible credit?? It would be paid in full by January since I still need to sell my car, but I cannot sell it until January since I am going to school full time. Im in a
Okay.....I need 3k to take care of a bunch of things so I can leave for the Marines. I want and wish to leave in January if all goes well and I can take care of my problems.
Does anyone know where I can borrow 3 grand from with horrible credit?? It would be paid in full by January since I still need to sell my car, but I cannot sell it until January since I am going to school full time. Im in a
Real Estate Question... 1st time home buyers?
Question by NeedsAnswers: Real Estate Question... 1st time home buyers?
My Husband and I are looking into buying a home in orange, tx. We found the perfect home but due to us only being 21 with no credit established, we couldn't get qualified for the home and it is now pending with another buyer. We are really needing to find a home due to our lease is up in December and I recently found out I am pregnant. It is so frustrating because we both have REALLY good jobs as EMT's in the area and
My Husband and I are looking into buying a home in orange, tx. We found the perfect home but due to us only being 21 with no credit established, we couldn't get qualified for the home and it is now pending with another buyer. We are really needing to find a home due to our lease is up in December and I recently found out I am pregnant. It is so frustrating because we both have REALLY good jobs as EMT's in the area and
is it bad to open multiple saving accounts?
Question by rrrrr r: is it bad to open multiple saving accounts?
ive had a checking account with my bank for about 8 months but its almost impossible for me to save money. so yesterday i opened up a savings account so as to have some money put away that i cant touch and will gain interest. but today im thinking of opening another savings account with commerce because i hear they start you with 25-35 dollars in ur account. it won't affect my credit or anything if i have this many accounts,
ive had a checking account with my bank for about 8 months but its almost impossible for me to save money. so yesterday i opened up a savings account so as to have some money put away that i cant touch and will gain interest. but today im thinking of opening another savings account with commerce because i hear they start you with 25-35 dollars in ur account. it won't affect my credit or anything if i have this many accounts,
Q&A: delinquent credit accounts?
Question by letsenjoy: delinquent credit accounts?
please only answer if you know anything, I have awful credit, I checked my free report today and most of bad accounts says:
"" This account is scheduled to continue on record until November 2008""
that means they will disappear after november? is there any hope for me as I have 6 bad accounts since 2001 and I never paid since and never used credit since
Best answer:
Answer by Laissez-Faire GuyYes, it's true. Credit info, both good
please only answer if you know anything, I have awful credit, I checked my free report today and most of bad accounts says:
"" This account is scheduled to continue on record until November 2008""
that means they will disappear after november? is there any hope for me as I have 6 bad accounts since 2001 and I never paid since and never used credit since
Best answer:
Answer by Laissez-Faire GuyYes, it's true. Credit info, both good
Worst possible mortgage rate?
Question by baidle: Worst possible mortgage rate?
Trying to figure out how much home I could afford. Assuming I could even get financing with REALLY bad credit, what is the highest interest rate in existence? Thanks! :0)
Best answer:
Answer by asnwering_machinewell highest rates as such dont have any limit. i heard some of banks like citibanks were offering loans at 40% int. rates to likely defaulters. but in a genuine case... it could be around 8-10%.
What do you think? Answer
Trying to figure out how much home I could afford. Assuming I could even get financing with REALLY bad credit, what is the highest interest rate in existence? Thanks! :0)
Best answer:
Answer by asnwering_machinewell highest rates as such dont have any limit. i heard some of banks like citibanks were offering loans at 40% int. rates to likely defaulters. but in a genuine case... it could be around 8-10%.
What do you think? Answer
Q&A: Will paying off car lease improve DTI?
by Chris Devers
Question by Sherrie M: Will paying off car lease improve DTI?
Ok so this is the situation: We (my husband and I) have been spending the past year fixing up our credit to buy a house. We initially planned to wait 2 years, but we have to move out of our rental because our landlord is in foreclosure.Our credit is in the high 600's. The only outstanding debt we have at this point (aside from carrying a 5-20 dollar balance on our CC's for activity) is an auto lease with about 5k
Question by Sherrie M: Will paying off car lease improve DTI?
Ok so this is the situation: We (my husband and I) have been spending the past year fixing up our credit to buy a house. We initially planned to wait 2 years, but we have to move out of our rental because our landlord is in foreclosure.Our credit is in the high 600's. The only outstanding debt we have at this point (aside from carrying a 5-20 dollar balance on our CC's for activity) is an auto lease with about 5k
Q&A: is it bad to open multiple savings accounts?
by marsmet522
Question by Spanky: is it bad to open multiple savings accounts?
ive had a checking account with my bank for about 8 months but its almost impossible for me to save money. so yesterday i opened up a savings account so as to have some money put away that i cant touch and will gain interest. but today im thinking of opening another savings account with commerce because i hear they start you with 25-35 dollars in ur account. it won't affect my credit or anything if i have this
Question by Spanky: is it bad to open multiple savings accounts?
ive had a checking account with my bank for about 8 months but its almost impossible for me to save money. so yesterday i opened up a savings account so as to have some money put away that i cant touch and will gain interest. but today im thinking of opening another savings account with commerce because i hear they start you with 25-35 dollars in ur account. it won't affect my credit or anything if i have this
Q&A: WHat loan company, has great rate for people with really bad credit like 405 fico score?
Question by c.bielski: WHat loan company, has great rate for people with really bad credit like 405 fico score?
I have no down payment need a car to get my son back and forth to school and for me to go to work. The monthly payments need to be 232.00 no more that that
Best answer:
Answer by ryanknealeThat's going to be rough to be honest with you.
Know better? Leave your own answer in the
I have no down payment need a car to get my son back and forth to school and for me to go to work. The monthly payments need to be 232.00 no more that that
Best answer:
Answer by ryanknealeThat's going to be rough to be honest with you.
Know better? Leave your own answer in the
A national bank turned in a unfavorable report about my credit and I have given up on my self.?
by eyewash
Question by ge524enoch: A national bank turned in a unfavorable report about my credit and I have given up on my self.?
I am an alcoholic/addict with 10 years clean/sober I started into recovery with very bad credit as a result of 30 years addiction I accepted my consequences and began to rebuild my credit as well as my mental spiritual and physical condition,it was no ones fault but my own.After years of work and tons of money I managed to rebuild my credit score back to the mid
Question by ge524enoch: A national bank turned in a unfavorable report about my credit and I have given up on my self.?
I am an alcoholic/addict with 10 years clean/sober I started into recovery with very bad credit as a result of 30 years addiction I accepted my consequences and began to rebuild my credit as well as my mental spiritual and physical condition,it was no ones fault but my own.After years of work and tons of money I managed to rebuild my credit score back to the mid
Sabtu, 28 Januari 2012
Do you think a landlord would rent me a place with bad credit and no proof of income but i have the money?
Question by : Do you think a landlord would rent me a place with bad credit and no proof of income but i have the money?
I'm going to sell my mobile home for about 8 thousand dollars and move from united states to canada in about 4-6 months.
I have bad credit, my score is only like 580 i was young and missed some payments on my car note a few years ago and ran up some small bills but i'm working on fixing it and haven't missed my new car payment in 3 years but i was 60 days late onetime on a
I'm going to sell my mobile home for about 8 thousand dollars and move from united states to canada in about 4-6 months.
I have bad credit, my score is only like 580 i was young and missed some payments on my car note a few years ago and ran up some small bills but i'm working on fixing it and haven't missed my new car payment in 3 years but i was 60 days late onetime on a
Q&A: Are any of you good at negotiating when buying a car?
Question by Seafoodlover: Are any of you good at negotiating when buying a car?
I literally have a phobia when it comes to purchasing a new vehicle. What’s the best way to negotiate with the dealer? If the car has an MSRP of $ 27,000, what’s a good starting point to negotiate at? Do I have to buy it at that price? The salesperson always seems to focus on the monthly payment amount, and when I try to negotiate a lower overall vehicle price it doesn’t happen. When I do purchase a
I literally have a phobia when it comes to purchasing a new vehicle. What’s the best way to negotiate with the dealer? If the car has an MSRP of $ 27,000, what’s a good starting point to negotiate at? Do I have to buy it at that price? The salesperson always seems to focus on the monthly payment amount, and when I try to negotiate a lower overall vehicle price it doesn’t happen. When I do purchase a
I need information about leasing and/or buying a car?
Question by with bun in oven: I need information about leasing and/or buying a car?
I live in Ohio with my fiance', we both work, him full time and myself part time. Our combined income is probably about 35k. I am young and have no credit, good or bad. He is a bit older and has about a 675 credit score. He has about 5k in debt on a personal loan (no late payments in 2 years) and two credit cards.
I would like to try to finance something to raise my score...but dont want to pay a ton of
I live in Ohio with my fiance', we both work, him full time and myself part time. Our combined income is probably about 35k. I am young and have no credit, good or bad. He is a bit older and has about a 675 credit score. He has about 5k in debt on a personal loan (no late payments in 2 years) and two credit cards.
I would like to try to finance something to raise my score...but dont want to pay a ton of
Where can i get a good computer on seriously bad credit
by marsmet461
Question by jenningslisa69: Where can i get a good computer on seriously bad credit
Hi I am a single mom of three trying to go back to college to better my self for my kids JUST for my kids, I have enrolled in some online classes but my computer is NOT fast enough, I have applied for financial aid but its gonna take some time to get, SO i am faced with a huge problem, WHERE can i get a computer with NO down and monthly payments I need Windows Vista and Power point and a few
Question by jenningslisa69: Where can i get a good computer on seriously bad credit
Hi I am a single mom of three trying to go back to college to better my self for my kids JUST for my kids, I have enrolled in some online classes but my computer is NOT fast enough, I have applied for financial aid but its gonna take some time to get, SO i am faced with a huge problem, WHERE can i get a computer with NO down and monthly payments I need Windows Vista and Power point and a few
Should I buy or lease a car?
Question by Michelle: Should I buy or lease a car?
I am starting my professional career in less than a year. My car MUST be replaced as soon as possible. My dad & I disagree about whether I should buy or lease.
I will be making $ 50k in Northern OH. I have about $ 40k in student loans. I am planning to buy/lease a Toyota Prius.
Lease pros:
- I want to work overseas eventually & would leave about when the lease ends - I wouldn't have to make payments on a car I wouldn't be driving.
-
I am starting my professional career in less than a year. My car MUST be replaced as soon as possible. My dad & I disagree about whether I should buy or lease.
I will be making $ 50k in Northern OH. I have about $ 40k in student loans. I am planning to buy/lease a Toyota Prius.
Lease pros:
- I want to work overseas eventually & would leave about when the lease ends - I wouldn't have to make payments on a car I wouldn't be driving.
-
I have bad credit, and need to buy a car with little money to put down. Where to go in Arizona?
by marsmet461
Question by Brooke F: I have bad credit, and need to buy a car with little money to put down. Where to go in Arizona?
I'm not too worried about the finance rate, because in a few months I'll be getting a big tax return and will be able to make a $ 5000 payment. Has anyone in Arizona been to a dealership, or used a website like azfastloans.com and been able to get a loan for a car with bad credit (score of 429) and little to no money down?
Best answer:
Answer by
Question by Brooke F: I have bad credit, and need to buy a car with little money to put down. Where to go in Arizona?
I'm not too worried about the finance rate, because in a few months I'll be getting a big tax return and will be able to make a $ 5000 payment. Has anyone in Arizona been to a dealership, or used a website like azfastloans.com and been able to get a loan for a car with bad credit (score of 429) and little to no money down?
Best answer:
Answer by
bad credit...auto loan help please! =/?
Question by : bad credit...auto loan help please! =/?
Long story short, i want to get a used 04-05 bmw z4 for around 10-15k. My credit is bad due to a credit card i got when i was 18. My mom said she'd pay for it to build my credit but went bankrupt =/
I am 22 years old now and since i make money ( 700 a week, 2400 a month ) i can make the monthly car payments. I already paid off my credit card bills about 6 months ago cuz obviously my mom cant be reliable with financial situations. The
Long story short, i want to get a used 04-05 bmw z4 for around 10-15k. My credit is bad due to a credit card i got when i was 18. My mom said she'd pay for it to build my credit but went bankrupt =/
I am 22 years old now and since i make money ( 700 a week, 2400 a month ) i can make the monthly car payments. I already paid off my credit card bills about 6 months ago cuz obviously my mom cant be reliable with financial situations. The
How do I establish better credit at age 16?
Question by Daniel: How do I establish better credit at age 16?
I know this is going to sound horrible or off to a bad start, but unfortunately I have a checking account and I accidentally over drafted and the fees were $ 70. This was the 2nd time I have done that since having any checking account. I hear its bad for your credit, even at this age.. my question is.. how do I make it better without being able to make on time payments on such things as a car for example?
Best
I know this is going to sound horrible or off to a bad start, but unfortunately I have a checking account and I accidentally over drafted and the fees were $ 70. This was the 2nd time I have done that since having any checking account. I hear its bad for your credit, even at this age.. my question is.. how do I make it better without being able to make on time payments on such things as a car for example?
Best
HOW DO I GO ABOUT GETTING A NEW COMPUTER ON EASY PAYMENT PLAN WITH BAD CREDIT THAT I HAVE?
by dbootcamp08
Question by djkorpi: HOW DO I GO ABOUT GETTING A NEW COMPUTER ON EASY PAYMENT PLAN WITH BAD CREDIT THAT I HAVE?
I HAVE NO CREDIT CARD NOR CHECKING ACCOUNT AND IN DESPARATE NEED OF A COMPUTEER BEC IT ORGANIZES MY LIFE IN PERSONAL THINGS LIKE FOR BILLS AND LETTERS. SO PLEASE IF THERE IS SOMEWHERE I CAN GO LET ME KNOW I HAVE ALREADY TRIED GATEWAY AND DELL HAVE NO LUCK THERE. SOI AM OPEN TO SUGGESTIONS AND WHAT NOT . THANK YOU AND I WAIT FOR YOUR REPLY PATIENTLLY HAVE A HAPPY
Question by djkorpi: HOW DO I GO ABOUT GETTING A NEW COMPUTER ON EASY PAYMENT PLAN WITH BAD CREDIT THAT I HAVE?
I HAVE NO CREDIT CARD NOR CHECKING ACCOUNT AND IN DESPARATE NEED OF A COMPUTEER BEC IT ORGANIZES MY LIFE IN PERSONAL THINGS LIKE FOR BILLS AND LETTERS. SO PLEASE IF THERE IS SOMEWHERE I CAN GO LET ME KNOW I HAVE ALREADY TRIED GATEWAY AND DELL HAVE NO LUCK THERE. SOI AM OPEN TO SUGGESTIONS AND WHAT NOT . THANK YOU AND I WAIT FOR YOUR REPLY PATIENTLLY HAVE A HAPPY
How long will it take for my credit score to go up after I paid off any bad debt on my credit score.?
by eyewash
Question by : How long will it take for my credit score to go up after I paid off any bad debt on my credit score.?
I recently tried to trade in my car for a new car. I still have a payoff left on my car that I was trying to trade in, but after my down payment and the incentives of buying a new car, my rollover was only about two thousand dollars. When I sat down with the salesman and almost left with my new car, my credit report showed I had some unpaid debt. (less than $ 600
Question by : How long will it take for my credit score to go up after I paid off any bad debt on my credit score.?
I recently tried to trade in my car for a new car. I still have a payoff left on my car that I was trying to trade in, but after my down payment and the incentives of buying a new car, my rollover was only about two thousand dollars. When I sat down with the salesman and almost left with my new car, my credit report showed I had some unpaid debt. (less than $ 600
My wife has a problem with money management, on the verge of divorce?
by Chris Devers
Question by puzzled1: My wife has a problem with money management, on the verge of divorce?
We got married on April 5th 2008 and have been struggling financially since July. First it was us together spending money using credit cards. Those quickly got maxed out. I had provided my wife with a Chevron credit card which she maxed out within a two week time frame and nothing to show for it. I then made a decision to borrow money from banks to get ahead on some of the bills and
Question by puzzled1: My wife has a problem with money management, on the verge of divorce?
We got married on April 5th 2008 and have been struggling financially since July. First it was us together spending money using credit cards. Those quickly got maxed out. I had provided my wife with a Chevron credit card which she maxed out within a two week time frame and nothing to show for it. I then made a decision to borrow money from banks to get ahead on some of the bills and
Are adjustable rates only offer to those with bad credit?
Question by AtiaoftheJulii: Are adjustable rates only offer to those with bad credit?
My sister currenty has an adjustable rate and her monthly mortgage payments have risen to $ 2100 a month. She is currently seeking an apartment. Is there any way she can refinance her home and obtain a fixed rate or is she doomed?
Her credit is poor. We went to look for apartments yesterday and each time she was told she would need a co-signer. Apparenty, she has been making her mortgage payments
My sister currenty has an adjustable rate and her monthly mortgage payments have risen to $ 2100 a month. She is currently seeking an apartment. Is there any way she can refinance her home and obtain a fixed rate or is she doomed?
Her credit is poor. We went to look for apartments yesterday and each time she was told she would need a co-signer. Apparenty, she has been making her mortgage payments
Can I finance a car with low income and bad credit?
by Alex Dram
Question by MDextrasmooth: Can I finance a car with low income and bad credit?
I'm 21 I have bad credit I live in MI and I only gross around 800 a month and no down payment is there anywhere I can get a car
Best answer:
Answer by trendypinoy11You'd have to get a co-signer. Most banks have a minimum income requirement to be approved for a loan, and the finance company I worked for stated that you had to make at least $ 1800 monthly minimum if you were sub-prime.
Get
Question by MDextrasmooth: Can I finance a car with low income and bad credit?
I'm 21 I have bad credit I live in MI and I only gross around 800 a month and no down payment is there anywhere I can get a car
Best answer:
Answer by trendypinoy11You'd have to get a co-signer. Most banks have a minimum income requirement to be approved for a loan, and the finance company I worked for stated that you had to make at least $ 1800 monthly minimum if you were sub-prime.
Get
I have credit card debt $5,000 worth, a car payment of $480.00?
Question by Lance D: I have credit card debt ,000 worth, a car payment of 0.00?
I make on average $ 1,600 a month. I have credit card debt, rent, and car payment. Not to mention maint., food, GAS, clothing, emergency. I can barely save. What do I do. How can I refiance my car if I have bad credit, but if I get rid of my car then I can save and get out of credit card debt. Or what do I do? Where do I go? I already participate in a debt consolidation program for my credit cards. It helps but
I make on average $ 1,600 a month. I have credit card debt, rent, and car payment. Not to mention maint., food, GAS, clothing, emergency. I can barely save. What do I do. How can I refiance my car if I have bad credit, but if I get rid of my car then I can save and get out of credit card debt. Or what do I do? Where do I go? I already participate in a debt consolidation program for my credit cards. It helps but
Jumat, 27 Januari 2012
Q&A: Is there anyone out there that will loan me 4000 dollars, my credit rating is bad so I am having problems.?
by marsmet461
Question by ripped off to: Is there anyone out there that will loan me 4000 dollars, my credit rating is bad so I am having problems.?
I have a full time job and can make 200 dollar a month payments. I have debts I need to pay off, and having one monthly payment instead of 12 would help a lot. Intrest is killing me.
Best answer:
Answer by insuranceguytxTry Prosper dot com
Know better? Leave your own answer in the
Question by ripped off to: Is there anyone out there that will loan me 4000 dollars, my credit rating is bad so I am having problems.?
I have a full time job and can make 200 dollar a month payments. I have debts I need to pay off, and having one monthly payment instead of 12 would help a lot. Intrest is killing me.
Best answer:
Answer by insuranceguytxTry Prosper dot com
Know better? Leave your own answer in the
Can I finance a car with bad (but not horrible) credit?
by eyewash
Question by Big D: Can I finance a car with bad (but not horrible) credit?
My credit is about 579, but I don't have any bankruptcies or other major credit events. I have been trying to rebuild it and over the past year or two I don't have late payments or anything like that.
I'd like to get a car around 15k and finance, but I'm not sure if I can with my credit score. This is my first car purchase. :(
P.S - I have a decent job, just got a promotion in fact, and can easily afford
Question by Big D: Can I finance a car with bad (but not horrible) credit?
My credit is about 579, but I don't have any bankruptcies or other major credit events. I have been trying to rebuild it and over the past year or two I don't have late payments or anything like that.
I'd like to get a car around 15k and finance, but I'm not sure if I can with my credit score. This is my first car purchase. :(
P.S - I have a decent job, just got a promotion in fact, and can easily afford
Are we foolish to trust the credit reporting agencies?
Question by Joe in texas: Are we foolish to trust the credit reporting agencies?
Since they do not use debt/equity ratios or income amounts to calculate credit risk.
The credit rating agencies gave a high rating to institutions with bad loans given to unworthy borrowers in the sub-prime mortgage mess. Are the consumer credit rating agencies creating a bigger disaster with their voodoo credit rating system?
Credit rating agencies are now under scrutiny for giving investment-grade ratings to
Since they do not use debt/equity ratios or income amounts to calculate credit risk.
The credit rating agencies gave a high rating to institutions with bad loans given to unworthy borrowers in the sub-prime mortgage mess. Are the consumer credit rating agencies creating a bigger disaster with their voodoo credit rating system?
Credit rating agencies are now under scrutiny for giving investment-grade ratings to
Want to re-finance my car loan. I have bad credit. My interest rate is 16.5%. Any suggestions on banks?
Question by mariai822: Want to re-finance my car loan. I have bad credit. My interest rate is 16.5%. Any suggestions on banks?
I didn't get a car because I wanted a new one. My car had died and I do a lot of driving. I have not been late yet with the car payments but I am drowning. I could use some suggestions.
Best answer:
Answer by IvyIf you think that you are paying a higher repayment amount for your existing car loanyour monthly costs. Secondly, you may avail a competitive interest
I didn't get a car because I wanted a new one. My car had died and I do a lot of driving. I have not been late yet with the car payments but I am drowning. I could use some suggestions.
Best answer:
Answer by IvyIf you think that you are paying a higher repayment amount for your existing car loanyour monthly costs. Secondly, you may avail a competitive interest
Can I refinance my home with bad credit?
by eyewash
Question by dara91562: Can I refinance my home with bad credit?
My husband and I need to refinance our home to lower our monthly payments. We are paying 9% right now. We both have bad credit. About 4 years ago we started getting behind and couldn't make credit card payments. It was either pay them or pay our house payment. So I just didn't pay them. We also have some unpaid medical bills that our insurance didn't cover after the birth of our daughter. The creditors are
Question by dara91562: Can I refinance my home with bad credit?
My husband and I need to refinance our home to lower our monthly payments. We are paying 9% right now. We both have bad credit. About 4 years ago we started getting behind and couldn't make credit card payments. It was either pay them or pay our house payment. So I just didn't pay them. We also have some unpaid medical bills that our insurance didn't cover after the birth of our daughter. The creditors are
Q&A: Collections item on one of my credit reports, how bad is it?
Question by EazyE: Collections item on one of my credit reports, how bad is it?
I have a rental property, and somehow the gas bill got in my name. The tenants didn't pay the bill for 2 months and got sent to collections, finally paid it off. I realized what happened after I went to get a credit card, and got denied (from TransUnion). For Equifax, I had a clean record and a FICO of 730. I am 26 years old. How bad is that collections item going to hurt me in the future? I wanted to buy a
I have a rental property, and somehow the gas bill got in my name. The tenants didn't pay the bill for 2 months and got sent to collections, finally paid it off. I realized what happened after I went to get a credit card, and got denied (from TransUnion). For Equifax, I had a clean record and a FICO of 730. I am 26 years old. How bad is that collections item going to hurt me in the future? I wanted to buy a
My wife has a problem spending money, and its gonna cost my marriage.?
by Renegade98
Question by puzzled1: My wife has a problem spending money, and its gonna cost my marriage.?
We got married on April 5th 2008 and have been struggling financially since July. First it was us together spending money using credit cards. Those quickly got maxed out. I had provided my wife with a Chevron credit card which she maxed out within a two week time frame and nothing to show for it. I then made a decision to borrow money from banks to get ahead on some of the bills and
Question by puzzled1: My wife has a problem spending money, and its gonna cost my marriage.?
We got married on April 5th 2008 and have been struggling financially since July. First it was us together spending money using credit cards. Those quickly got maxed out. I had provided my wife with a Chevron credit card which she maxed out within a two week time frame and nothing to show for it. I then made a decision to borrow money from banks to get ahead on some of the bills and
If the concept of Adjustable Rate Mortgage was never thought of, would America be in this mess?
by eyewash
Question by Jon D: If the concept of Adjustable Rate Mortgage was never thought of, would America be in this mess?
seems like people with bad credit who got loans where still able to make their payments, but things went bad when rates went up?
would America be in the mess we are in if these people with bad credit where just given Fixed Rates initially?
Best answer:
Answer by KevinStud99ARMs were certainly not the only problem, but they may have been the trigger that started
Question by Jon D: If the concept of Adjustable Rate Mortgage was never thought of, would America be in this mess?
seems like people with bad credit who got loans where still able to make their payments, but things went bad when rates went up?
would America be in the mess we are in if these people with bad credit where just given Fixed Rates initially?
Best answer:
Answer by KevinStud99ARMs were certainly not the only problem, but they may have been the trigger that started
Should I feel bad for not offering money?
by Chris Devers
Question by jesus H: Should I feel bad for not offering money?
I was at a friends house a couple days ago and his dog managed to cut himself badly on a fence. He needed to have surgery that night and estimated cost was about $ 500. We both are putting ourselves through college right now, but I make significantly more money than he does. They were stressed out on how to pay and eventually put it on a credit card. Should I have spoken up and let them borrow the money? Problem
Question by jesus H: Should I feel bad for not offering money?
I was at a friends house a couple days ago and his dog managed to cut himself badly on a fence. He needed to have surgery that night and estimated cost was about $ 500. We both are putting ourselves through college right now, but I make significantly more money than he does. They were stressed out on how to pay and eventually put it on a credit card. Should I have spoken up and let them borrow the money? Problem
Is there a legit Mortgage Lender that guarantees Financing for people with Bad credit,No credit,Bankruptcies?
by eyewash
Question by : Is there a legit Mortgage Lender that guarantees Financing for people with Bad credit,No credit,Bankruptcies?
I am seeking a well known or legit Mortgage Company within the U.S. that will Finance and work with Married couple with Bad Credit, No Credit, Personal Bankruptcies, Previous Foreclosure.
We were screwed before with a past Mortgage Co. that hit us with very high Interest rates and we never got ahead paying toward a home Mortgage,nothing was Ever applied to
Question by : Is there a legit Mortgage Lender that guarantees Financing for people with Bad credit,No credit,Bankruptcies?
I am seeking a well known or legit Mortgage Company within the U.S. that will Finance and work with Married couple with Bad Credit, No Credit, Personal Bankruptcies, Previous Foreclosure.
We were screwed before with a past Mortgage Co. that hit us with very high Interest rates and we never got ahead paying toward a home Mortgage,nothing was Ever applied to
What happens once your Bankruptcy is discharged?
by eyewash
Question by : What happens once your Bankruptcy is discharged?
Someone was married and quick claim the house over after the divorce. The only thing was both parties still on the mortgage since the one had bad credit rating. The one who kept the house filed bankruptcy 7 do to not able to keep up the mortgage. The bankruptcy 7 was discharged (inactive after 50 day). What happens to the foreclosure filed by the bank? Do all parties get effected by the one party for filing
Question by : What happens once your Bankruptcy is discharged?
Someone was married and quick claim the house over after the divorce. The only thing was both parties still on the mortgage since the one had bad credit rating. The one who kept the house filed bankruptcy 7 do to not able to keep up the mortgage. The bankruptcy 7 was discharged (inactive after 50 day). What happens to the foreclosure filed by the bank? Do all parties get effected by the one party for filing
How long does it take for negative checking account balance to fGo against credit?
by anotherjesse
Question by NickNick82: How long does it take for negative checking account balance to fGo against credit?
Last month I came up seven cents short in my checking account but I had money in my savings and I check my balance often so that I won't go under and I can transfer money...anyways some how bank of America beat me to it by the next morning and they wound up charging ten which I obviously didn't have in there so they charged me another thirty five. They didn't tell me
Question by NickNick82: How long does it take for negative checking account balance to fGo against credit?
Last month I came up seven cents short in my checking account but I had money in my savings and I check my balance often so that I won't go under and I can transfer money...anyways some how bank of America beat me to it by the next morning and they wound up charging ten which I obviously didn't have in there so they charged me another thirty five. They didn't tell me
Kamis, 26 Januari 2012
What is the best credit card to get?
by eyewash
Question by cody b: What is the best credit card to get?
I have had credit cards before but I think I picked the worst possible ones to get. They all had super high interest rates, no rewards etc. So what is the best ones to get? Taking in rewards like flights and others. Lower interests rates (if possible) and any other good things. Only looking to get one and use it for gas and/or emergencies. Also looking to build up my credit
Best answer:
Answer by sbraamalaiMy
Question by cody b: What is the best credit card to get?
I have had credit cards before but I think I picked the worst possible ones to get. They all had super high interest rates, no rewards etc. So what is the best ones to get? Taking in rewards like flights and others. Lower interests rates (if possible) and any other good things. Only looking to get one and use it for gas and/or emergencies. Also looking to build up my credit
Best answer:
Answer by sbraamalaiMy
Help need financial advice about loans and paying off debt to buy a house...?
Question by : Help need financial advice about loans and paying off debt to buy a house...?
My husband and I are trying to buy a house and are currently facing somewhat of a dilemma. I have a halfway decent credit rating (650) and my husband has a very bad credit rating (580). We are currently trying to purchase a home and if we just use my credit rating we get approved, but not for a large enough loan amount. I have student loan payments, a car payment, and credit card payments. I make $
My husband and I are trying to buy a house and are currently facing somewhat of a dilemma. I have a halfway decent credit rating (650) and my husband has a very bad credit rating (580). We are currently trying to purchase a home and if we just use my credit rating we get approved, but not for a large enough loan amount. I have student loan payments, a car payment, and credit card payments. I make $
Husband is in the Army, Young & Married, Bad credit/Not well established!! HELP!?
Question by Kelly C: Husband is in the Army, Young & Married, Bad credit/Not well established!! HELP!?
Ok here goes, Sorry if so long, just trying to explain the situation..
My husband is serving in the army, I stay home with our 1 year old. We are both 21 years old.. with not very established credit. We do have a few minor things on our credit that is hurting us due to us not having our credit too long. Before he joined we leased a dodge avenger because we got denied to buy one. This car
Ok here goes, Sorry if so long, just trying to explain the situation..
My husband is serving in the army, I stay home with our 1 year old. We are both 21 years old.. with not very established credit. We do have a few minor things on our credit that is hurting us due to us not having our credit too long. Before he joined we leased a dodge avenger because we got denied to buy one. This car
Good or bad car deal?
Question by coolerguy: Good or bad car deal?
Did I receive a good or bad car deal?
I purchased and leased a 2005 Toyota Corolla last january of 08. I'm 24 years old and at the time had no credit history and no co-signer. I was working two jobs atm, and used $ 2000 as a down payment. The dealership gave me a 72 month term with 18% apr. Yes, i realize the interest rate is outstanding. But keep in mind I was approved without a co signer, and had no credit history whatsoever. Now, about a year
Did I receive a good or bad car deal?
I purchased and leased a 2005 Toyota Corolla last january of 08. I'm 24 years old and at the time had no credit history and no co-signer. I was working two jobs atm, and used $ 2000 as a down payment. The dealership gave me a 72 month term with 18% apr. Yes, i realize the interest rate is outstanding. But keep in mind I was approved without a co signer, and had no credit history whatsoever. Now, about a year
mortgage with my credit?
by YoTuT
Question by ride every stride: mortgage with my credit?
My credit rating is 757 and I have been working at the same job for about 8 months now and make decent money. Do you think the bank will offer me a good loan? also my bf makes good money but has poor credit will they add his earnings into the equation or no because he has bad credit? What do you think we can get?
Best answer:
Answer by JudyThere is one thing your bf can do quickly to boost his credit scores.
If he is
Question by ride every stride: mortgage with my credit?
My credit rating is 757 and I have been working at the same job for about 8 months now and make decent money. Do you think the bank will offer me a good loan? also my bf makes good money but has poor credit will they add his earnings into the equation or no because he has bad credit? What do you think we can get?
Best answer:
Answer by JudyThere is one thing your bf can do quickly to boost his credit scores.
If he is
Q&A: How many months does it take to determine to have good credit to finance a car?
by Alex Dram
Question by Impressive_Instant: How many months does it take to determine to have good credit to finance a car?
I'm getting my first credit card when i turn 18 in early October...And i'm curious to know how many months will it take to determine if i have good or bad credit to finance a car on my own? I heard 3 months so the dealership can let me off with the car.
Thanks!
Best answer:
Answer by kcracer1well just having the card does you nothing, you need to spend money, and
Question by Impressive_Instant: How many months does it take to determine to have good credit to finance a car?
I'm getting my first credit card when i turn 18 in early October...And i'm curious to know how many months will it take to determine if i have good or bad credit to finance a car on my own? I heard 3 months so the dealership can let me off with the car.
Thanks!
Best answer:
Answer by kcracer1well just having the card does you nothing, you need to spend money, and
Will getting pre-approved by mulitple mortgage companies hurt my credit?
Question by : Will getting pre-approved by mulitple mortgage companies hurt my credit?
I am looking into buying a house for the first time, and need to get pre-approved for financing. I have had several people tell me to check with different mortgage companies, as the rates/fees can vary. However, will multiple approvals like this hurt my credit and my chances at getting pre-approved? If so, does it really hurt my credit that bad? Or is it somewhat inconsequential?
Thanks!
Best
I am looking into buying a house for the first time, and need to get pre-approved for financing. I have had several people tell me to check with different mortgage companies, as the rates/fees can vary. However, will multiple approvals like this hurt my credit and my chances at getting pre-approved? If so, does it really hurt my credit that bad? Or is it somewhat inconsequential?
Thanks!
Best
Mortgage Advice Please Help.?
Question by reddanpizza: Mortgage Advice Please Help.?
Hi there i am currently looking to move house and with the market and the moment i was just wondering what my options would be i am currently living in a mortgage house that we purchased in April but have had trouble and without knowing the area we have made a massive mistake and have got to the point where we have had enough of the trouble i am going to call my mortgage company to see if we can borrow any more tomorrow as the wages we
Hi there i am currently looking to move house and with the market and the moment i was just wondering what my options would be i am currently living in a mortgage house that we purchased in April but have had trouble and without knowing the area we have made a massive mistake and have got to the point where we have had enough of the trouble i am going to call my mortgage company to see if we can borrow any more tomorrow as the wages we
How does your presence in ChexSystems affect your credit report?
Question by IvanRS: How does your presence in ChexSystems affect your credit report?
I got reported to ChexSystems two years ago, when a purchase came to my account after I had closed it. I repaid my debt, but they told me that I'll stay in ChexSystems for 5 years after the incident date. This would cause me problems oppening checking accounts, but I was wondering how does this relate to your credit report? Does this consitute bad credit, since it wasn't related to credit at all, but to NSF
I got reported to ChexSystems two years ago, when a purchase came to my account after I had closed it. I repaid my debt, but they told me that I'll stay in ChexSystems for 5 years after the incident date. This would cause me problems oppening checking accounts, but I was wondering how does this relate to your credit report? Does this consitute bad credit, since it wasn't related to credit at all, but to NSF
Can anyone tell me how to start a small business in this little tiny town? What kind of business?
Question by Softie: Can anyone tell me how to start a small business in this little tiny town? What kind of business?
I am bored out of my mind. I work from 8-5 Monday thru Friday and when I get off work I want to do something extra with my life. I work paycheck to paycheck and can never afford a thing for me or my family. How can I start a small business and what would be a good little business for a small town that has all kinds of auto parts stores, mexican restaurants, taco stands, fast
I am bored out of my mind. I work from 8-5 Monday thru Friday and when I get off work I want to do something extra with my life. I work paycheck to paycheck and can never afford a thing for me or my family. How can I start a small business and what would be a good little business for a small town that has all kinds of auto parts stores, mexican restaurants, taco stands, fast
Would it hurt my credit to maintain a negative credit card balance?
Question by popalock85: Would it hurt my credit to maintain a negative credit card balance?
I recently over paid my credit card by $ 300. I really don't care that I over paid because I don't need the money but I just want to make sure having a negative balance on one of my accounts does not harm my credit in anyway?
I remember talking to my bank about this awhile back and they said that I will have the amount credited back to my checking account if it is still there after a month.
I
I recently over paid my credit card by $ 300. I really don't care that I over paid because I don't need the money but I just want to make sure having a negative balance on one of my accounts does not harm my credit in anyway?
I remember talking to my bank about this awhile back and they said that I will have the amount credited back to my checking account if it is still there after a month.
I
Rabu, 25 Januari 2012
Am I paying my credit card off the right way?
by eyewash
Question by Amy: Am I paying my credit card off the right way?
I have a credit card with a small limit ($ 400). I initially opened it up for a vacation to Florida so I could use it for spending money. I maxed it out on the trip and since then I have been paying $ 100 a month on it (well above the minimum due payment). So, I usually always get down to a $ 300 balance but end up using the credit card for gas and groceries throughout the month so I usually end up maxing it out
Question by Amy: Am I paying my credit card off the right way?
I have a credit card with a small limit ($ 400). I initially opened it up for a vacation to Florida so I could use it for spending money. I maxed it out on the trip and since then I have been paying $ 100 a month on it (well above the minimum due payment). So, I usually always get down to a $ 300 balance but end up using the credit card for gas and groceries throughout the month so I usually end up maxing it out
Is it a bad idea to apply for a credit card while in the middle of a mortgage refinancing process?
by Renegade98
Question by : Is it a bad idea to apply for a credit card while in the middle of a mortgage refinancing process?
I have a high credit score (760), and was approved for my bank's best rate. The refinancing process is taking awhile, and I would like to get a better rewards card than what I have. Would it be a bad idea to apply for a new credit card before the refinancing closes?
Best answer:
What do you think? Answer
Question by : Is it a bad idea to apply for a credit card while in the middle of a mortgage refinancing process?
I have a high credit score (760), and was approved for my bank's best rate. The refinancing process is taking awhile, and I would like to get a better rewards card than what I have. Would it be a bad idea to apply for a new credit card before the refinancing closes?
Best answer:
What do you think? Answer
I need a personal loan?
by YoTuT
Question by Keshia R: I need a personal loan?
My credit is very poor, but I need a $ 3,000 dollar loan. I know no company will give me the money. Anybody have any suggestions, because I need this money like right now badly or anyone know of a company that will let me borrow the money with my bad credit?
Best answer:
Answer by ?If you have some assets, you'll find a bank willing to give ya that sum... check the advertising on tv!
Know better? Leave your own answer in the
Question by Keshia R: I need a personal loan?
My credit is very poor, but I need a $ 3,000 dollar loan. I know no company will give me the money. Anybody have any suggestions, because I need this money like right now badly or anyone know of a company that will let me borrow the money with my bad credit?
Best answer:
Answer by ?If you have some assets, you'll find a bank willing to give ya that sum... check the advertising on tv!
Know better? Leave your own answer in the
Q&A: Is there any way I can finance a used car with bad credit, as long as I have a job?
by eyewash
Question by Ms. Denton Lone Star ™: Is there any way I can finance a used car with bad credit, as long as I have a job?
Best answer:
Answer by icemarriedmanDrive-tyme.com They will help you repair your credit and they work with you.
Give your answer to this question
Question by Ms. Denton Lone Star ™: Is there any way I can finance a used car with bad credit, as long as I have a job?
Best answer:
Answer by icemarriedmanDrive-tyme.com They will help you repair your credit and they work with you.
Give your answer to this question
how to get a loan with really bad credit?
Question by LOVES MY BABY BOYS: how to get a loan with really bad credit?
i have bad credit but need a loan to pay things off i have a good job and can pay monthly payments but cant pay all my dept at once and want to avoid going to collections
Best answer:
Answer by Houspay your bills on time or repair your credit, so that your credit score increases and you ger loan easily
http://answers.yahoo.com/question/index?qid=20060816185659AApx9Us
What do you think? Answer
i have bad credit but need a loan to pay things off i have a good job and can pay monthly payments but cant pay all my dept at once and want to avoid going to collections
Best answer:
Answer by Houspay your bills on time or repair your credit, so that your credit score increases and you ger loan easily
http://answers.yahoo.com/question/index?qid=20060816185659AApx9Us
What do you think? Answer
Credit Union Question??
by Chris Devers
Question by sneakysteph22: Credit Union Question??
Do credit unions check credit before opening an account with them?? Can i still be able to get a checking account at a local credit union here even though i have real bad credit, and i have had a charge-off or 2 at bank accounts for negative accounts...would that still prevent me from having an account through one, oh yeah i have like 2 outstanding payday loans out there to...
So, i can use a credit union just like a bank
Question by sneakysteph22: Credit Union Question??
Do credit unions check credit before opening an account with them?? Can i still be able to get a checking account at a local credit union here even though i have real bad credit, and i have had a charge-off or 2 at bank accounts for negative accounts...would that still prevent me from having an account through one, oh yeah i have like 2 outstanding payday loans out there to...
So, i can use a credit union just like a bank
Is this a fair car lease, or am I being taken?
Question by theycallmeheatmiser: Is this a fair car lease, or am I being taken?
I am supposed to pick up the car tomorrow, but I'll reneg if enough people say that I should: $ 430/mos for 36 months for a 2007 Nissan Altima with $ 1600 down. Has leather interior, sun roof. I am trading in a 2000 Toyota Corolla (payout $ 5300.00) that has 94600 miles, needs rear brakes, an oxygen sensor (the check-engine light is on because of this), 4 tires. Both the body & interior are fair (no major
I am supposed to pick up the car tomorrow, but I'll reneg if enough people say that I should: $ 430/mos for 36 months for a 2007 Nissan Altima with $ 1600 down. Has leather interior, sun roof. I am trading in a 2000 Toyota Corolla (payout $ 5300.00) that has 94600 miles, needs rear brakes, an oxygen sensor (the check-engine light is on because of this), 4 tires. Both the body & interior are fair (no major
can i still finance a car with bad credit if so where?
by eyewash
Question by yankeesfan4ever112514: can i still finance a car with bad credit if so where?
Best answer:
Answer by DanniIt depends where you're living.
Some car dealerships, mostly like used car dealerships, will use the bad credit thing to pull more people in so they can make more money, as well as helping out people in need.. Just because you have bad credit, doesn't mean you're not alright now, and some people see that..
Add your own answer in the
Question by yankeesfan4ever112514: can i still finance a car with bad credit if so where?
Best answer:
Answer by DanniIt depends where you're living.
Some car dealerships, mostly like used car dealerships, will use the bad credit thing to pull more people in so they can make more money, as well as helping out people in need.. Just because you have bad credit, doesn't mean you're not alright now, and some people see that..
Add your own answer in the
How can I transfer my auto lease to my wife?
by Chris Devers
Question by blue_prince_of_dallas: How can I transfer my auto lease to my wife?
We are getting divorced and her car is in my name. I want to transfer it to her and get my name off the lease. I am willing to pay some extra as an incentive to get out of the lease. Her credit is not bad, but she has already co-signed for another car for a relative.
Our current lease is with US Bank. Do you think I can persuade them to do the transfer or are there some other companies that
Question by blue_prince_of_dallas: How can I transfer my auto lease to my wife?
We are getting divorced and her car is in my name. I want to transfer it to her and get my name off the lease. I am willing to pay some extra as an incentive to get out of the lease. Her credit is not bad, but she has already co-signed for another car for a relative.
Our current lease is with US Bank. Do you think I can persuade them to do the transfer or are there some other companies that
Cleaning up my credit report.?
by eyewash
Question by LadyCatherine: Cleaning up my credit report.?
I know somethings are suppose to go off your credit after 7 years. That is if they are paid or not right.? I know somethings stay on forever no matter what right.?
My thing is I have credit card on my report that I refuse to pay, Its a long story,
I have other things on there but most if not all are paid, late or charged off, but paid. and a fourclouser on an old house.
Right now I have a mortgage on my house but
Question by LadyCatherine: Cleaning up my credit report.?
I know somethings are suppose to go off your credit after 7 years. That is if they are paid or not right.? I know somethings stay on forever no matter what right.?
My thing is I have credit card on my report that I refuse to pay, Its a long story,
I have other things on there but most if not all are paid, late or charged off, but paid. and a fourclouser on an old house.
Right now I have a mortgage on my house but
Q&A: Making my question more clear! My credit is bad if you can give me a estimated! I trying to buy a used car?
Question by Mr. and Mrs. Dziwulski: Making my question more clear! My credit is bad if you can give me a estimated! I trying to buy a used car?
I trying to buy a used cars! The car cost $ 6,595 with taxes and everything it come up to $ 7,977. My question is if I put $ 2,200 Dollars down because i going to financed , The prices stay the same at $ 7,977 or it go down because of the $ 2,200 Dollars that I put down! First time financed a used cars! My credit a bad!
Best answer:
Answer
I trying to buy a used cars! The car cost $ 6,595 with taxes and everything it come up to $ 7,977. My question is if I put $ 2,200 Dollars down because i going to financed , The prices stay the same at $ 7,977 or it go down because of the $ 2,200 Dollars that I put down! First time financed a used cars! My credit a bad!
Best answer:
Answer
How to lease a car with a co-signer?
by Chris Devers
Question by Anonimo: How to lease a car with a co-signer?
Hi there!
I am in the process of getting a new car. At first I wanted to buy a decent used car but we all know that used cars can be a pain in the ass. I could be lucky and get a good used car or have bad luck and get one that gives me problems fast. My credit is clean, meaning that I don't have any red flags, owe any money or have public records of any kind; the only bad thing is that because I don't have any
Question by Anonimo: How to lease a car with a co-signer?
Hi there!
I am in the process of getting a new car. At first I wanted to buy a decent used car but we all know that used cars can be a pain in the ass. I could be lucky and get a good used car or have bad luck and get one that gives me problems fast. My credit is clean, meaning that I don't have any red flags, owe any money or have public records of any kind; the only bad thing is that because I don't have any
Selasa, 24 Januari 2012
Is it better to buy or lease a car or should I keep my old one?
by Chris Devers
Question by Think about it: Is it better to buy or lease a car or should I keep my old one?
I have a 1999 Toyota 4-runner about 168,000 miles on it, with the engine light on, need to replace break pads and has a couple issues not sure how much will cost to fix but they say this car lasts forever so...with that in mind I am wondering if this is a good time to buy or lease a new car considering my credit is not too bad right now and my current car might die, just don't know the
Question by Think about it: Is it better to buy or lease a car or should I keep my old one?
I have a 1999 Toyota 4-runner about 168,000 miles on it, with the engine light on, need to replace break pads and has a couple issues not sure how much will cost to fix but they say this car lasts forever so...with that in mind I am wondering if this is a good time to buy or lease a new car considering my credit is not too bad right now and my current car might die, just don't know the
Mom leasing car. I make the payments. Need help with promissory note to show proof for bankruptcy hearing.?
by Chris Devers
Question by jessica g: Mom leasing car. I make the payments. Need help with promissory note to show proof for bankruptcy hearing.?
My mom is leasing a car under GMAC. I have horrible credit and couldn't get the car so she got it instead. I have been making the payments for the last 4 years.
My financial situation is so bad that I have to file for bankruptcy. But the thing is that I need some sort of proof that I am currently paying on this vehicle so it can be included
Question by jessica g: Mom leasing car. I make the payments. Need help with promissory note to show proof for bankruptcy hearing.?
My mom is leasing a car under GMAC. I have horrible credit and couldn't get the car so she got it instead. I have been making the payments for the last 4 years.
My financial situation is so bad that I have to file for bankruptcy. But the thing is that I need some sort of proof that I am currently paying on this vehicle so it can be included
Q&A: Bad credit car loans without having to go through a dealership?
Question by crushqueen0204: Bad credit car loans without having to go through a dealership?
Up until the 13th, I had a 2006 Fusion that was unfortunately totaled in an accident due to snow. I was able to get that car because my mom took out the loan for me. But since she has two cars plus our house on her credit ...her debt to income ratio pretty much froze her credit even though her score is really good, so she can't co-sign with me for anything. My dad pays cash for everything and has
Up until the 13th, I had a 2006 Fusion that was unfortunately totaled in an accident due to snow. I was able to get that car because my mom took out the loan for me. But since she has two cars plus our house on her credit ...her debt to income ratio pretty much froze her credit even though her score is really good, so she can't co-sign with me for anything. My dad pays cash for everything and has
Q&A: will my husband's credit status affect mine?
by Chris Devers
Question by bubblebiatch: will my husband's credit status affect mine?
i never have credit history in the US. i just got married and intend to build a good credit so my husband and i could buy a house and start new. i just joined in my husband's checking account and he added me to his credit cards too. so, all of statement of accounts have both our names on them.
the problem is he had bad credit before due to delinquent school loans and other debts made into his name which
Question by bubblebiatch: will my husband's credit status affect mine?
i never have credit history in the US. i just got married and intend to build a good credit so my husband and i could buy a house and start new. i just joined in my husband's checking account and he added me to his credit cards too. so, all of statement of accounts have both our names on them.
the problem is he had bad credit before due to delinquent school loans and other debts made into his name which
Is leasing a car a bad idea?
by keith011764
Question by : Is leasing a car a bad idea?
I'm looking to lease a new Honda CIvic. They are offering a 3 year lease with no money down(except for dealer and license fee) 229% a month. I figure I could sell my current car private owner. Upgrade to something a little better plus the money I get from my old car I could pay off my charge cards plus get a home improvement project done. The current car is paid off, So I would I have a car payment again but I would be done with the
Question by : Is leasing a car a bad idea?
I'm looking to lease a new Honda CIvic. They are offering a 3 year lease with no money down(except for dealer and license fee) 229% a month. I figure I could sell my current car private owner. Upgrade to something a little better plus the money I get from my old car I could pay off my charge cards plus get a home improvement project done. The current car is paid off, So I would I have a car payment again but I would be done with the
How do you handle family borrowing money from you?
by Chris Devers
Question by Dave: How do you handle family borrowing money from you?
Lets say...you are married, you loaned $ 1,000 to your brother and he said he would pay you back at the end of next month.
His work is slow now, he lives at home with mom and sis. It is now the end of the month and mom calls and says she needs $ 3,000.
We are not rich...I would have to take a loan out via credit card check for the amount. If I had the money, I would just give it to them, but I
Question by Dave: How do you handle family borrowing money from you?
Lets say...you are married, you loaned $ 1,000 to your brother and he said he would pay you back at the end of next month.
His work is slow now, he lives at home with mom and sis. It is now the end of the month and mom calls and says she needs $ 3,000.
We are not rich...I would have to take a loan out via credit card check for the amount. If I had the money, I would just give it to them, but I
How can I get more money?
by eyewash
Question by senior07: How can I get more money?
I'm a full-time college student working one full-time job and soon taking on a second. I have some HUGE credit card debts, and I just had a recent car accident which I owe my parents a ton of money for the repairs. Are there any ways anyone could think of for me to earn more money? College is on a full scholarship (thank god!) but I need to do something to pay off the cards and afford gas and food. A loan is out of the question
Question by senior07: How can I get more money?
I'm a full-time college student working one full-time job and soon taking on a second. I have some HUGE credit card debts, and I just had a recent car accident which I owe my parents a ton of money for the repairs. Are there any ways anyone could think of for me to earn more money? College is on a full scholarship (thank god!) but I need to do something to pay off the cards and afford gas and food. A loan is out of the question
My family is always asking to borrow money. It annoys the hell out of my husband. What can I do to stop it?
Question by Seafoodlover: My family is always asking to borrow money. It annoys the hell out of my husband. What can I do to stop it?
Certain members on my mother’s side of the family are always asking me to borrow money. My mother used to be in a habit of doing this. One of my aunts has a habit of doing this as well. Several of my other aunts will sign me up to contribute money for holiday/birthday dinners, assuming I have the money to do so. That’s the problem. They assume that
Certain members on my mother’s side of the family are always asking me to borrow money. My mother used to be in a habit of doing this. One of my aunts has a habit of doing this as well. Several of my other aunts will sign me up to contribute money for holiday/birthday dinners, assuming I have the money to do so. That’s the problem. They assume that
If I have good credit, will letting someone with bad credit add me to their account bring down my score?
Question by Joshua P: If I have good credit, will letting someone with bad credit add me to their account bring down my score?
You might ask why I'd want to do this...well I have great credit right now but not enough tradelines (meaning its new credit and I dont have sufficient credit history to qualify for a good mortgage rate). I was approved for 100% financing under the condition that I have sufficient trade lines. So I'm thinking of having my dad add me as an authorized user on his cards
You might ask why I'd want to do this...well I have great credit right now but not enough tradelines (meaning its new credit and I dont have sufficient credit history to qualify for a good mortgage rate). I was approved for 100% financing under the condition that I have sufficient trade lines. So I'm thinking of having my dad add me as an authorized user on his cards
How do I rebuild my credit?
Question by jcrawford0204: How do I rebuild my credit?
I had a medical bill go to collections, but I did pay it eventually when I realized it was there... but anyway it has destroyed my credit because I never had any to begin with. So basically there is one thing one my credit history and it is bad.
I recently bought a car, but i had to get a co-signer and I know that will help but I can't even get approved for a gas card or store card.
What are my other options? I need to start building
I had a medical bill go to collections, but I did pay it eventually when I realized it was there... but anyway it has destroyed my credit because I never had any to begin with. So basically there is one thing one my credit history and it is bad.
I recently bought a car, but i had to get a co-signer and I know that will help but I can't even get approved for a gas card or store card.
What are my other options? I need to start building
Looking for a loan with bad credit and I have collateral...where can I get one online?
Question by jg928s4: Looking for a loan with bad credit and I have collateral...where can I get one online?
I have bad credit, my score is about 500-525. I have been repaying my debt but that still doesn't qualify me for a loan with my local banks. I am getting married in exactly 2 months and have no fund available to pay off caterer's etc. I have a vehicle with a wholesale value of $ 9800 as per what my bank told me, I can use that as collateral. I'm needing a $ 3500-$ 4000 loan, I can
I have bad credit, my score is about 500-525. I have been repaying my debt but that still doesn't qualify me for a loan with my local banks. I am getting married in exactly 2 months and have no fund available to pay off caterer's etc. I have a vehicle with a wholesale value of $ 9800 as per what my bank told me, I can use that as collateral. I'm needing a $ 3500-$ 4000 loan, I can
Senin, 23 Januari 2012
leasing and trading in my car, help please?
Question by Brandon l 305: leasing and trading in my car, help please?
I own a 2006 land rover range rover. it is fully paid off and is worth about 34k. my question is whether or not it is possible for me to set up a finance plan or perhaps downgrade to a 2005 or 2004 range rover and then make payments on it. so, in essence, if i were to sell or trade in my car, get 31-34k for it (its paid off), and then set up a lease where i can pay monthly for a vehicle. the reason i would like to do this
I own a 2006 land rover range rover. it is fully paid off and is worth about 34k. my question is whether or not it is possible for me to set up a finance plan or perhaps downgrade to a 2005 or 2004 range rover and then make payments on it. so, in essence, if i were to sell or trade in my car, get 31-34k for it (its paid off), and then set up a lease where i can pay monthly for a vehicle. the reason i would like to do this
Do you need debt to build credit?
by eyewash
Question by Stephanie W: Do you need debt to build credit?
I am too safe financially. I don't buy things I can't afford and so haven't taken any risks.
I've recently become interested in my own finances, in light of this financial crisis. I've gotten a credit report and found that I haven't got any. I simply don't have enough of a history to go off of because I don't overspend.
I have one credit card I make all my purchases on. I pay it off every month, minus maybe $
Question by Stephanie W: Do you need debt to build credit?
I am too safe financially. I don't buy things I can't afford and so haven't taken any risks.
I've recently become interested in my own finances, in light of this financial crisis. I've gotten a credit report and found that I haven't got any. I simply don't have enough of a history to go off of because I don't overspend.
I have one credit card I make all my purchases on. I pay it off every month, minus maybe $
Q&A: My FICO score is 595 -- I want a car -- what should I do?
by Chris Devers
Question by wunderboy: My FICO score is 595 -- I want a car -- what should I do?
I'll be in the market for buying or leasing a used car soon. With my credit being so bad, what should I do?
I'll be getting the car in 3-5 months.
Also, my credit's going up and I don't have much of a balance on any of my credit cards. I've been paying the bills on time for a while now. I don't think a credit counseling service is for me, because my total revolving debt is less than $ 1500
Question by wunderboy: My FICO score is 595 -- I want a car -- what should I do?
I'll be in the market for buying or leasing a used car soon. With my credit being so bad, what should I do?
I'll be getting the car in 3-5 months.
Also, my credit's going up and I don't have much of a balance on any of my credit cards. I've been paying the bills on time for a while now. I don't think a credit counseling service is for me, because my total revolving debt is less than $ 1500
Which type of credit card would be best to build credit?
by Chris Devers
Question by Medis: Which type of credit card would be best to build credit?
I am trying to decide between a secured credit card and a student credit card. Both will have no annual fee, and I do not care about interest rate because I am paying off the balance every month. Which of these two types would be best for somebody with no credit (not bad credit, just no credit)? The secured credit card seems a bit silly to me because I am basically just give the card my own money
Question by Medis: Which type of credit card would be best to build credit?
I am trying to decide between a secured credit card and a student credit card. Both will have no annual fee, and I do not care about interest rate because I am paying off the balance every month. Which of these two types would be best for somebody with no credit (not bad credit, just no credit)? The secured credit card seems a bit silly to me because I am basically just give the card my own money
How can I get financed for a vehicle with bad credit and a pt time job?
Question by : How can I get financed for a vehicle with bad credit and a pt time job?
I have a vehicle that I am currently paying for now. It is almost paid for and I only owe 1,000 on it. I have a pt time job now and want to upgrade to a different car. The econmy in mi is bad and it hit me to but I have a pt time job and get unemployment. Help, how can I get another car financed and I want to trade in my car and give 500 down. Would it be easier to lease.
Also my credit is not
I have a vehicle that I am currently paying for now. It is almost paid for and I only owe 1,000 on it. I have a pt time job now and want to upgrade to a different car. The econmy in mi is bad and it hit me to but I have a pt time job and get unemployment. Help, how can I get another car financed and I want to trade in my car and give 500 down. Would it be easier to lease.
Also my credit is not
what should my payments be for $15000 on a auto loan?
Question by pdx503: what should my payments be for 000 on a auto loan?
Im going to finance $ 15000 with a auto loan. I have bad credit but I have a cosigner with perfect credit. What should my monthly payment be on a normal financing contract?
Best answer:
Answer by Hubie SandersDepends on terms and year of auto......you gonna ruin his credit too? 300.oo per mont on 60 months would be close
Give your answer to this question
Im going to finance $ 15000 with a auto loan. I have bad credit but I have a cosigner with perfect credit. What should my monthly payment be on a normal financing contract?
Best answer:
Answer by Hubie SandersDepends on terms and year of auto......you gonna ruin his credit too? 300.oo per mont on 60 months would be close
Give your answer to this question
I want to borrow a loan and it's my first time I try?
Question by Anonymous: I want to borrow a loan and it's my first time I try?
Im in a horrible situation and I need to get certain things. I want to borrow a loan of up to atleast $ 3, 500 or $ 4, 000. Is it possible to borrow that much? and if it is or not what is the limit? I only have a savings account because I would withdraw to much when I had a regular bank account but I already payed the withdraws. Is this something I have to discuss with my bank which is bank of america and I want
Im in a horrible situation and I need to get certain things. I want to borrow a loan of up to atleast $ 3, 500 or $ 4, 000. Is it possible to borrow that much? and if it is or not what is the limit? I only have a savings account because I would withdraw to much when I had a regular bank account but I already payed the withdraws. Is this something I have to discuss with my bank which is bank of america and I want
How do I get a credit card with bad credit and high income?
Question by aquestionforyou: How do I get a credit card with bad credit and high income?
I am 25 years old and have had a few late payments in my past on small items. American Express recently canceled my credit card due to a review of my credit report.
I have found my credit score to be aroundd 620 but I have been denied for the last 3 credit cards I applied for.
My income is around $ 200,000/year and I have never had a problem paying for everything with cash, but I would like to
I am 25 years old and have had a few late payments in my past on small items. American Express recently canceled my credit card due to a review of my credit report.
I have found my credit score to be aroundd 620 but I have been denied for the last 3 credit cards I applied for.
My income is around $ 200,000/year and I have never had a problem paying for everything with cash, but I would like to
Where can I get a small loan for bad credit that isn't a payday loan?
Question by Brandi: Where can I get a small loan for bad credit that isn't a payday loan?
I only need a small amount, $ 500 - $ 600, and I need it directly deposited into my checking account.
Best answer:
Answer by bowler_jProbably the only place to try is a fiance company, like Household Finace.
This will be an expensive loan.
I would suggest looking at your spending habits and cuting out everything that is unnecessary, like cable TV, cell phones, restaurant dining, etc.
Try to
I only need a small amount, $ 500 - $ 600, and I need it directly deposited into my checking account.
Best answer:
Answer by bowler_jProbably the only place to try is a fiance company, like Household Finace.
This will be an expensive loan.
I would suggest looking at your spending habits and cuting out everything that is unnecessary, like cable TV, cell phones, restaurant dining, etc.
Try to
can i finance a car like this? with bad credit? but with.....?
by eyewash
Question by : can i finance a car like this? with bad credit? but with.....?
ok so i wanna finance a car but we got bad credit and i wanted to know if we got a home equity loan for about 3000$ with bad credit could we finance a like 9000$ car with 3000$ down for like 200-300$ a month? with bad credit or the down payment doesn't matter you need credit to finance? cause we got those bad credit no problem we will finance you places but they want 3000$ down and its alot of
Question by : can i finance a car like this? with bad credit? but with.....?
ok so i wanna finance a car but we got bad credit and i wanted to know if we got a home equity loan for about 3000$ with bad credit could we finance a like 9000$ car with 3000$ down for like 200-300$ a month? with bad credit or the down payment doesn't matter you need credit to finance? cause we got those bad credit no problem we will finance you places but they want 3000$ down and its alot of
i need a loan because i'm disabled and i have bad credit can i get a loan anywhere.
Question by Rick p: i need a loan because i'm disabled and i have bad credit can i get a loan anywhere.
I need a loan that i will have to pay back slowly and isn't very much monthly payments. I have bad credit due to family members taking advantage of me. please is there someone out there that will help me.
Best answer:
Answer by DASI don't like to say never,but your chances are very slim. You will have to check around.
Add your own answer in the
I need a loan that i will have to pay back slowly and isn't very much monthly payments. I have bad credit due to family members taking advantage of me. please is there someone out there that will help me.
Best answer:
Answer by DASI don't like to say never,but your chances are very slim. You will have to check around.
Add your own answer in the
Q&A: Does anyone know of any REAL loan companies that help me finance a car with my extremely bad credit?
Question by sza23: Does anyone know of any REAL loan companies that help me finance a car with my extremely bad credit?
I went to a few websites and dealers in my area (houston, tx) but i'm getting the run around with every company I inquire.
Best answer:
Answer by kikisbabybest bet is probably going to be ur bank or credit union u go thru....
Know better? Leave your own answer in the
I went to a few websites and dealers in my area (houston, tx) but i'm getting the run around with every company I inquire.
Best answer:
Answer by kikisbabybest bet is probably going to be ur bank or credit union u go thru....
Know better? Leave your own answer in the
Minggu, 22 Januari 2012
Student checking for Bank of America or Chase? Hard Credit checks?? PLEASE ANSWER ASAP!!?
by SS&SS
Question by xxusagichanxx: Student checking for Bank of America or Chase? Hard Credit checks?? PLEASE ANSWER ASAP!!?
I am planning on opening Bank of America's CampusEdge checking account today. It was a hard decision between Chase and Bank of America. I'm worried about what would happen after I graduate. I know they are going to switch me over to their normal checking accounts. So is BoA the way to go? I heard BoA's customer service was pretty bad.
Please don't tell me about other
Question by xxusagichanxx: Student checking for Bank of America or Chase? Hard Credit checks?? PLEASE ANSWER ASAP!!?
I am planning on opening Bank of America's CampusEdge checking account today. It was a hard decision between Chase and Bank of America. I'm worried about what would happen after I graduate. I know they are going to switch me over to their normal checking accounts. So is BoA the way to go? I heard BoA's customer service was pretty bad.
Please don't tell me about other
Q&A: I am no longer able to make the payments on my auto loan due to medical bills. What are my options?
Question by Charles E: I am no longer able to make the payments on my auto loan due to medical bills. What are my options?
I currently have a 6 year auto loan with my credit union. Due to recent medical issues and bills piling up, I can no longer afford to make the monthly payments on the loan. I have had the car for only about a year. What are my options at this time? I know a repossesion will ruin my credit. I need to know what I can do to fix the situation before it gets worse.
I currently have a 6 year auto loan with my credit union. Due to recent medical issues and bills piling up, I can no longer afford to make the monthly payments on the loan. I have had the car for only about a year. What are my options at this time? I know a repossesion will ruin my credit. I need to know what I can do to fix the situation before it gets worse.
Car buying with bad credit, trade in and a check?
Question by censored_4_tv: Car buying with bad credit, trade in and a check?
I want to trade in a 98 SUV for a used car. I have pretty aweful credit, an alright trade in and a check for $ 2000.00. I want almost no payments, and low financing. The car I'm looking at costs about $ 11,000. What should I say to the dealer in order to get the best price even though I hope not to use their financing? How will they budge?
Best answer:
Answer by Mary (Jeff) KiddBanks will only give you a loan
I want to trade in a 98 SUV for a used car. I have pretty aweful credit, an alright trade in and a check for $ 2000.00. I want almost no payments, and low financing. The car I'm looking at costs about $ 11,000. What should I say to the dealer in order to get the best price even though I hope not to use their financing? How will they budge?
Best answer:
Answer by Mary (Jeff) KiddBanks will only give you a loan
Should I trade my car in or just pay it off?
Question by Elaine: Should I trade my car in or just pay it off?
Ok here is the run down.... I currently have a 2005 chevrolet impala with 94000 miles on it. I bought this car almost 2 years ago with a high interest rate loan. My interest rate is 18.75% and my monthly payment it 272/month. I had bad credit and needed a car to get to work so I had to buy this car. I am currently commuting an hour to work everyday and was thinking about trading in my car for a car with better gas mileage and
Ok here is the run down.... I currently have a 2005 chevrolet impala with 94000 miles on it. I bought this car almost 2 years ago with a high interest rate loan. My interest rate is 18.75% and my monthly payment it 272/month. I had bad credit and needed a car to get to work so I had to buy this car. I am currently commuting an hour to work everyday and was thinking about trading in my car for a car with better gas mileage and
is it bad to not own a credit card?
Question by Moto250cc: is it bad to not own a credit card?
my girlfriend recently revealed me to randomly that when she first met me, she thought I was weird for not owning a single credit card, and that she was a little turned off that I paid for stuff with a debit card and had at most, at any given time 20 bucks cash on me.
my response was that I don't like to spend money I don't really have, and I don't like to be in debt (a reason why I refuse to lend money or borrow money)
I carry 20
my girlfriend recently revealed me to randomly that when she first met me, she thought I was weird for not owning a single credit card, and that she was a little turned off that I paid for stuff with a debit card and had at most, at any given time 20 bucks cash on me.
my response was that I don't like to spend money I don't really have, and I don't like to be in debt (a reason why I refuse to lend money or borrow money)
I carry 20
Where can I find someone to give me a loan with bad credit. I have tried all the credit unions and banks.?
Question by thankful: Where can I find someone to give me a loan with bad credit. I have tried all the credit unions and banks.?
I am willing to pay a high interest rate. I need to consolidate my bills into one monthly payment. Thanks.
Best answer:
Answer by Ed AtunYour only hope is www.LOANIO.com (not my website) where investors bid to loan you money..
What do you think? Answer
I am willing to pay a high interest rate. I need to consolidate my bills into one monthly payment. Thanks.
Best answer:
Answer by Ed AtunYour only hope is www.LOANIO.com (not my website) where investors bid to loan you money..
What do you think? Answer
do you have family members constantly asking to borrow money?
by eyewash
Question by Miss A: do you have family members constantly asking to borrow money?
Mine do and it's frustrating because I'm struggling pretty hard in the money department myself. I have a huge student loan payment every month to make (in addition to my regular bills like rent), I have a 9 month old baby, my husband is out of work and my job has cut my hours in half. But despite my family knowing all this, someone is almost always asking me to borrow money. Some of them make more
Question by Miss A: do you have family members constantly asking to borrow money?
Mine do and it's frustrating because I'm struggling pretty hard in the money department myself. I have a huge student loan payment every month to make (in addition to my regular bills like rent), I have a 9 month old baby, my husband is out of work and my job has cut my hours in half. But despite my family knowing all this, someone is almost always asking me to borrow money. Some of them make more
Q&A: Student checking for Bank of America or Chase? Hard Credit checks? ?
Question by xxusagichanxx: Student checking for Bank of America or Chase? Hard Credit checks? ?
I am opening Bank of America's CampusEdge checking account tomorrow (well technically today since it's past 12). It was a hard decision between Chase and Bank of America. I'm worried about what would happen after I graduate. I know they are going to switch me over to their normal checking accounts. So is BoA the way to go? I heard BoA's customer service was pretty bad.
Please don't tell me about
I am opening Bank of America's CampusEdge checking account tomorrow (well technically today since it's past 12). It was a hard decision between Chase and Bank of America. I'm worried about what would happen after I graduate. I know they are going to switch me over to their normal checking accounts. So is BoA the way to go? I heard BoA's customer service was pretty bad.
Please don't tell me about
Q&A: where can I get a legitimate unsecured personal loan with bad credit for $15000 without any advance fees?
Question by Roberta: where can I get a legitimate unsecured personal loan with bad credit for 000 without any advance fees?
I want to pay off all bills and just have one monthly payment. It can come directly out of my bank account if I can find a legitimate lender? I've been searching and have people offering me a loan for 200-300 dollars in advance and I'm very skeptical of this.
Any suggestions? Help! I need the money ASAP.
Thanks!
Best answer:
Answer by Rick BYou want to PAY OFF
I want to pay off all bills and just have one monthly payment. It can come directly out of my bank account if I can find a legitimate lender? I've been searching and have people offering me a loan for 200-300 dollars in advance and I'm very skeptical of this.
Any suggestions? Help! I need the money ASAP.
Thanks!
Best answer:
Answer by Rick BYou want to PAY OFF
Credit Checks - does the act of checking damage my rating?
by dbootcamp08
Question by Rupert W: Credit Checks - does the act of checking damage my rating?
I've had many checks recently by banks as I've moved around for personal and business accounts. I have some credit and keep it in good nick (pay on time, small balance on CC from time to time) but I have probably had 8 checks in the last quarter. The latest is from a prospective employer - will it look bad to just have had a bunch of checks done? Add to that I'm an immigrant to Canada so have
Question by Rupert W: Credit Checks - does the act of checking damage my rating?
I've had many checks recently by banks as I've moved around for personal and business accounts. I have some credit and keep it in good nick (pay on time, small balance on CC from time to time) but I have probably had 8 checks in the last quarter. The latest is from a prospective employer - will it look bad to just have had a bunch of checks done? Add to that I'm an immigrant to Canada so have
Should I feel bad for asking my boyfriend to pay me back money he owes me?
Question by greatgurl: Should I feel bad for asking my boyfriend to pay me back money he owes me?
My boyfriend and I rented a car over the weekend to take a road trip. We agreed to split the cost and I paid with my credit card. He also borrowed money to take his brother out who was visiting from out of town. I think I offended him when I asked for my money. Should I apologize?
Best answer:
Answer by babygirlno! even though he is your boifriend, you still have your own financial
My boyfriend and I rented a car over the weekend to take a road trip. We agreed to split the cost and I paid with my credit card. He also borrowed money to take his brother out who was visiting from out of town. I think I offended him when I asked for my money. Should I apologize?
Best answer:
Answer by babygirlno! even though he is your boifriend, you still have your own financial
I need advice? My husband he has credit card dead about $50000. I dont know where he spend money and he doesnt?
Question by Nancy: I need advice? My husband he has credit card dead about 000. I dont know where he spend money and he doesnt?
give me a clear answer. (however I think he borrow money and spend it for his 30 year old brother who is married and is always between job) He makes about $ 150000 a year and pay tax also. Because of his credit card payments he has to pay lots of money every month. currently I am homemaker with three young kids. I thought I might get job and bring some money
give me a clear answer. (however I think he borrow money and spend it for his 30 year old brother who is married and is always between job) He makes about $ 150000 a year and pay tax also. Because of his credit card payments he has to pay lots of money every month. currently I am homemaker with three young kids. I thought I might get job and bring some money
what are my changes of getting a 10k personal loan with bad credit, but have a co-signer?
Question by dek_303: what are my changes of getting a 10k personal loan with bad credit, but have a co-signer?
I have pretty badcredit, probably around 550-570. I've been looking for a personal loan around 10k to get a car and pay some things off but have been denied. I can easily afford a monthly payment of $ 300 - 350. My co-signer has a house, has a stable job, etc. I know they had a bankruptcy but that has been over 7 years ago.
Best answer:
Answer by MoeThe United States is
I have pretty badcredit, probably around 550-570. I've been looking for a personal loan around 10k to get a car and pay some things off but have been denied. I can easily afford a monthly payment of $ 300 - 350. My co-signer has a house, has a stable job, etc. I know they had a bankruptcy but that has been over 7 years ago.
Best answer:
Answer by MoeThe United States is
Q&A: what are my changes of getting a 10k personal loan with bad credit, but have a co-signer?
by marsmet461
Question by dek_303: what are my changes of getting a 10k personal loan with bad credit, but have a co-signer?
I have pretty badcredit, probably around 550-570. I've been looking for a personal loan around 10k to get a car and pay some things off but have been denied. I can easily afford a monthly payment of $ 300 - 350. My co-signer has a house, has a stable job, etc. I know they had a bankruptcy but that has been over 7 years ago.
Best answer:
Answer by MoeThe United
Question by dek_303: what are my changes of getting a 10k personal loan with bad credit, but have a co-signer?
I have pretty badcredit, probably around 550-570. I've been looking for a personal loan around 10k to get a car and pay some things off but have been denied. I can easily afford a monthly payment of $ 300 - 350. My co-signer has a house, has a stable job, etc. I know they had a bankruptcy but that has been over 7 years ago.
Best answer:
Answer by MoeThe United
Sabtu, 21 Januari 2012
How can I consolidate my private student loan with sallie mae if i have bad credit?
Question by : How can I consolidate my private student loan with sallie mae if i have bad credit?
My monthly payment is $ 1500.00 a month and I can't afford it at all. However I have a co-signer who has good credit. Is there anyway that my co-signer can consolidate my loan? If so, where do I go?
Best answer:
Answer by naniwakoSallie Mae doesn't consolidate private student loans anymore.
You can look around, but I think most private lenders suspended that service about two years ago
My monthly payment is $ 1500.00 a month and I can't afford it at all. However I have a co-signer who has good credit. Is there anyway that my co-signer can consolidate my loan? If so, where do I go?
Best answer:
Answer by naniwakoSallie Mae doesn't consolidate private student loans anymore.
You can look around, but I think most private lenders suspended that service about two years ago
Q&A: Unsecured Personal Loan For Debt [current] Consolidation with previous bad credit....?
by marsmet461
Question by Man of La Mancha: Unsecured Personal Loan For Debt Consolidation with previous bad credit....?
Interested in consolidating about $ 6K of unsecured debt into one loan plus approx $ 2K additional to obtain motor vehicle...excellent secured income . All direct deposit and would set for direct debit monthly payments on the loan. Know of sites like lending tree, prosper, unique, but interested in other lenders that would look into the loan specifics and the
Question by Man of La Mancha: Unsecured Personal Loan For Debt Consolidation with previous bad credit....?
Interested in consolidating about $ 6K of unsecured debt into one loan plus approx $ 2K additional to obtain motor vehicle...excellent secured income . All direct deposit and would set for direct debit monthly payments on the loan. Know of sites like lending tree, prosper, unique, but interested in other lenders that would look into the loan specifics and the
car lease question, please help?
Question by Brandon l 305: car lease question, please help?
I own a 2006 land rover range rover. it is fully paid off and is worth about 34k. my question is whether or not it is possible for me to set up a finance plan or perhaps downgrade to a 2005 or 2004 range rover and then make payments on it. so, in essence, if i were to sell or trade in my car, get 31-34k for it (its paid off), and then set up a lease where i can pay monthly for a vehicle. the reason i would like to do this is because
I own a 2006 land rover range rover. it is fully paid off and is worth about 34k. my question is whether or not it is possible for me to set up a finance plan or perhaps downgrade to a 2005 or 2004 range rover and then make payments on it. so, in essence, if i were to sell or trade in my car, get 31-34k for it (its paid off), and then set up a lease where i can pay monthly for a vehicle. the reason i would like to do this is because
Is suddenly opening 6 loans to establish credit score bad?
Question by Adams F: Is suddenly opening 6 loans to establish credit score bad?
I'm 21 with NO credit score. I read a good way to establish credit is to open a secured $ 1000 from yours savings account, use that $ 1000 to open another loan with a second bank, use that $ 1000 to open a loan with a third, and pay them all off after 6 months. Once they are all paid off, you do it over again, idea being after a year +/- you'll have 6 loans over $ 1000 paid off with regular payments.
Would
I'm 21 with NO credit score. I read a good way to establish credit is to open a secured $ 1000 from yours savings account, use that $ 1000 to open another loan with a second bank, use that $ 1000 to open a loan with a third, and pay them all off after 6 months. Once they are all paid off, you do it over again, idea being after a year +/- you'll have 6 loans over $ 1000 paid off with regular payments.
Would
Can you hire a lawyer to write an official letter without having to pay a retainer?
by brizzle born and bred
Question by : Can you hire a lawyer to write an official letter without having to pay a retainer?
I loaned a "friend" (of 14 years) $ 3000 appx 3 years ago. She was going through a difficult time. She was self employed as a staffer for the car business and after the economy bottomed out she was on the verge of losing her home to foreclosure. She also was about to have her phone shut off and was worried she wouldn't be able to get back on her feet if she couldn't
Question by : Can you hire a lawyer to write an official letter without having to pay a retainer?
I loaned a "friend" (of 14 years) $ 3000 appx 3 years ago. She was going through a difficult time. She was self employed as a staffer for the car business and after the economy bottomed out she was on the verge of losing her home to foreclosure. She also was about to have her phone shut off and was worried she wouldn't be able to get back on her feet if she couldn't
Mortgage loans for bad credit?
by eyewash
Question by kristina1031: Mortgage loans for bad credit?
Hi. I am currently trying to take out a mortgage on my home to pay off some bills, etc. My x husband left me in so much debt that my credit is completely ruined. So far the only offer I have is for a $ 55,000 at 13 percent interest. Which turns out to be almost $ 220,000. I know its a lot of money but I have no other options. If I go ahead and take out the loan for now, is it possible for me to refinance it once my credit
Question by kristina1031: Mortgage loans for bad credit?
Hi. I am currently trying to take out a mortgage on my home to pay off some bills, etc. My x husband left me in so much debt that my credit is completely ruined. So far the only offer I have is for a $ 55,000 at 13 percent interest. Which turns out to be almost $ 220,000. I know its a lot of money but I have no other options. If I go ahead and take out the loan for now, is it possible for me to refinance it once my credit
How do I begin to fix this outrageous debt I'm in?
Question by Bored to Tears & So Are You: How do I begin to fix this outrageous debt I'm in?
I'm 19 years old and in dire need of help to handle my debt. I haven't even left the house yet and I'm over $ 30k in debt. My parents are not an option because they haven't the kind of money to help me.
I have over $ 2,000 in revolving debt...
(my credit cards have been put into debt consolidation and i have a past bank account that's over $ 600 overdrawn and a current bank account over $ 200
I'm 19 years old and in dire need of help to handle my debt. I haven't even left the house yet and I'm over $ 30k in debt. My parents are not an option because they haven't the kind of money to help me.
I have over $ 2,000 in revolving debt...
(my credit cards have been put into debt consolidation and i have a past bank account that's over $ 600 overdrawn and a current bank account over $ 200
In need of personal loan to finish school - $15-20,000 - and pay bills until RN degree 6/07. Bad credit. Help?
Question by rn6807: In need of personal loan to finish school - -20,000 - and pay bills until RN degree 6/07. Bad credit. Help?
My ex-husband left me with huge debt, so I filed bankruptcy about 4 years ago. I am 50ish and went back to school for RN degree. Almost there but financially I'm in bad straights. No credit cards; only debt is rent, car, insurance (car/health) and my half of household expenses. Live with my cousin, who had been carrying me until she was hurt in car accident and
My ex-husband left me with huge debt, so I filed bankruptcy about 4 years ago. I am 50ish and went back to school for RN degree. Almost there but financially I'm in bad straights. No credit cards; only debt is rent, car, insurance (car/health) and my half of household expenses. Live with my cousin, who had been carrying me until she was hurt in car accident and
Q&A: 9 years and still bad credit report?
Question by Jay G: 9 years and still bad credit report?
I have the worst credit in the world. I can't get a decent car loan, can't buy a new computer, can't even open a checking account. I have had nothing in my name,(no credit of any kind) in about 9 years. I've never had a bankrupcy. Why have these old items not fallen off my credit report? I thought after 7 years things were supposed to stop being reported. What can I do to stop the credit reporting agencies from causing me to be turned
I have the worst credit in the world. I can't get a decent car loan, can't buy a new computer, can't even open a checking account. I have had nothing in my name,(no credit of any kind) in about 9 years. I've never had a bankrupcy. Why have these old items not fallen off my credit report? I thought after 7 years things were supposed to stop being reported. What can I do to stop the credit reporting agencies from causing me to be turned
are there other options to get a checking account if have a bad record?
by bloody marty mix
Question by Ripcity-zen: are there other options to get a checking account if have a bad record?
because of mistakes, my record for the bank credit reports isn't good and can't open a checking anywhere. this makes it more difficult to cash checks and such. are there other options or financial institutions with checking that will give second chances? any helpful tips are appreciated.
Best answer:
Answer by Melissawell depending on how bad your record is and if you
Question by Ripcity-zen: are there other options to get a checking account if have a bad record?
because of mistakes, my record for the bank credit reports isn't good and can't open a checking anywhere. this makes it more difficult to cash checks and such. are there other options or financial institutions with checking that will give second chances? any helpful tips are appreciated.
Best answer:
Answer by Melissawell depending on how bad your record is and if you
Consolidating debt as a student?
Question by : Consolidating debt as a student?
For the last 6 months I've been stupidly poor, as in getting paid £1100 a month, and paying out all of that in debt, plus having to work shifts cash in hand at a bar to pay to get to work and for food. HOWEVER, its worth it, as this month is my final payment. That was BAD debt, like outstanding council tax debt that they wanted to take me to court for, and personal debt.
Now that's all done, I'm left with just 3K worth of standard bank debt.
For the last 6 months I've been stupidly poor, as in getting paid £1100 a month, and paying out all of that in debt, plus having to work shifts cash in hand at a bar to pay to get to work and for food. HOWEVER, its worth it, as this month is my final payment. That was BAD debt, like outstanding council tax debt that they wanted to take me to court for, and personal debt.
Now that's all done, I'm left with just 3K worth of standard bank debt.
Odds of getting approved for new car lease?
by Chris Devers
Question by Sarah: Odds of getting approved for new car lease?
I have very bad credit and a very low score. I can't get a used or new car unless I put $ 3,000-$ 4,000 down. So my mother, who has a credit score of 850 vouched to co-sign for me. I make a little over $ 20k a year, she makes $ 29k a year and has perfect credit. I checked out to lease a 2011 Chevy Cruze with an MSRP of $ 19,995 minus $ 311 dealership discount so $ 19,684 for 39 months. My employer gave me
Question by Sarah: Odds of getting approved for new car lease?
I have very bad credit and a very low score. I can't get a used or new car unless I put $ 3,000-$ 4,000 down. So my mother, who has a credit score of 850 vouched to co-sign for me. I make a little over $ 20k a year, she makes $ 29k a year and has perfect credit. I checked out to lease a 2011 Chevy Cruze with an MSRP of $ 19,995 minus $ 311 dealership discount so $ 19,684 for 39 months. My employer gave me
Jumat, 20 Januari 2012
Q&A: Leasing a car with a cosigner?
by Chris Devers
Question by dUtCh: Leasing a car with a cosigner?
I have never purchased or leased a new car so I have virtually no credit on which to stand. My local dealer is offering 2010 Honda Civics for about $ 169/month for QUALIFIED BUYERS, which I assume means awesome credit history since it is a lease. Please don't go and tell me that leases are bad, I have done my research and come to the conclusion that for my lifestyle and financial needs a lease is best for me. My question is
Question by dUtCh: Leasing a car with a cosigner?
I have never purchased or leased a new car so I have virtually no credit on which to stand. My local dealer is offering 2010 Honda Civics for about $ 169/month for QUALIFIED BUYERS, which I assume means awesome credit history since it is a lease. Please don't go and tell me that leases are bad, I have done my research and come to the conclusion that for my lifestyle and financial needs a lease is best for me. My question is
Anyone know where in Los Angeles I can finance a good car with bad credit?
Question by poeticpixie82: Anyone know where in Los Angeles I can finance a good car with bad credit?
Best answer:
Answer by GypsyNOT ugly duckling. They are a rip off. Try a legit dealer. A lot of them can work out something.
What do you think? Answer
Best answer:
Answer by GypsyNOT ugly duckling. They are a rip off. Try a legit dealer. A lot of them can work out something.
What do you think? Answer
Can someone explain this to me (credit vs. debit)?
Question by •Poppy•: Can someone explain this to me (credit vs. debit)?
When I turned 18, I got a debit card from my bank. This was the first real means of money that wasn't cash I had personally used - no checks, no credit cards, no debit cards previously. (I still don't use checks).
Anyhow, when I got the card the woman who was helping me made it very clear that it was more cost-effective for me to run my debit card as credit instead of running it as debit and putting in my PIN. It
When I turned 18, I got a debit card from my bank. This was the first real means of money that wasn't cash I had personally used - no checks, no credit cards, no debit cards previously. (I still don't use checks).
Anyhow, when I got the card the woman who was helping me made it very clear that it was more cost-effective for me to run my debit card as credit instead of running it as debit and putting in my PIN. It
Bad Credit. Loan to Help my credit out?
by marsmet461
Question by MikeL: Bad Credit. Loan to Help my credit out?
I have bad credit. Simple as that.
I am slowly paying off what I owe.
I am wanting to draw a smaller loan for about $ 2000 to buy a jon boat.
Does anyone have any ideas of how I could get this loan?
I just found a way to cut my budget down a little which gives me room to make descent monthly payments,
???Thanks!
well thanks for the answers except the "concerned" guy.
yeah i know i am on the wrong path and my wants
Question by MikeL: Bad Credit. Loan to Help my credit out?
I have bad credit. Simple as that.
I am slowly paying off what I owe.
I am wanting to draw a smaller loan for about $ 2000 to buy a jon boat.
Does anyone have any ideas of how I could get this loan?
I just found a way to cut my budget down a little which gives me room to make descent monthly payments,
???Thanks!
well thanks for the answers except the "concerned" guy.
yeah i know i am on the wrong path and my wants
Can I borrow money!!!!???
Question by help*w*answer: Can I borrow money!!!!???
My credit is pretty bad (560) and I'd like to get a loan for the purpose of debt consolidation. Also, I don't know if it would help, but I receive annuity payments of 750 monthly and on my bday I will recieve 15,000. (Father put me in a bad bind now with his divorce) and I'm going to be married so I'd like to take care of my credit soon we'd like to buy a house and it has already stopped us and is causing problems! Will my bank help or is
My credit is pretty bad (560) and I'd like to get a loan for the purpose of debt consolidation. Also, I don't know if it would help, but I receive annuity payments of 750 monthly and on my bday I will recieve 15,000. (Father put me in a bad bind now with his divorce) and I'm going to be married so I'd like to take care of my credit soon we'd like to buy a house and it has already stopped us and is causing problems! Will my bank help or is
need help with new car buying/leasing situation....?
Question by steelers35: need help with new car buying/leasing situation....?
Hey, I need some serious help here. I am about to graduate college in a month or so and am moving across country for my career/job that I have obtained. I need a car for my new job and new life. I have been looking at cars recently and am unable to get loan for financing because I DO NOT HAVE A COSIGNER and my job currently (on campus) i do not make $ 1200/month.
I recently started looking into leasing maybe,
Hey, I need some serious help here. I am about to graduate college in a month or so and am moving across country for my career/job that I have obtained. I need a car for my new job and new life. I have been looking at cars recently and am unable to get loan for financing because I DO NOT HAVE A COSIGNER and my job currently (on campus) i do not make $ 1200/month.
I recently started looking into leasing maybe,
How bad will my credit get?
Question by danlimen: How bad will my credit get?
I'm a 23 year old, recent college grad. like most people I am unemployed right now, I've been job searching since about May, I had a part time job to keep me afloat for a few months but the store just closed so I have no income what so ever, however I still consider myself to be very lucky, because I have an amazing mom who I live with and exchange for certain things around the house she supplies me with enough money for gas. I do not have
I'm a 23 year old, recent college grad. like most people I am unemployed right now, I've been job searching since about May, I had a part time job to keep me afloat for a few months but the store just closed so I have no income what so ever, however I still consider myself to be very lucky, because I have an amazing mom who I live with and exchange for certain things around the house she supplies me with enough money for gas. I do not have
Father wants to subsidise my gas bill... Should I accept?
Question by Obidiah S: Father wants to subsidise my gas bill... Should I accept?
My father was CEO for a major fortune 500 company. Unfortunetly, I didn't get his business mind when I was born. I got the other side of the coin with an aptitude for mechanics and or being being mechanically inclined. Far from an Engineer, just good at fixing stuff. I'm an A/C mechanic and make about 40 to 45K a year living in a low to middle class neighborhood. Yesterday, I opened a letter from my Dad with a
My father was CEO for a major fortune 500 company. Unfortunetly, I didn't get his business mind when I was born. I got the other side of the coin with an aptitude for mechanics and or being being mechanically inclined. Far from an Engineer, just good at fixing stuff. I'm an A/C mechanic and make about 40 to 45K a year living in a low to middle class neighborhood. Yesterday, I opened a letter from my Dad with a
Q&A: How long does it take to recover from bad credit?
Question by : How long does it take to recover from bad credit?
Over the past year, I have hit some hard times. I had several overdraft checks (but I have paid all that off and closed the account, I do not have another check account) and several late bill payments that turned over to collection agencies. However, my gracious and loving father has helped me pay all of them off and I no longer owe any money to them. But how long will it take for all this to get off my credit score?
Best
Over the past year, I have hit some hard times. I had several overdraft checks (but I have paid all that off and closed the account, I do not have another check account) and several late bill payments that turned over to collection agencies. However, my gracious and loving father has helped me pay all of them off and I no longer owe any money to them. But how long will it take for all this to get off my credit score?
Best
Q&A: what are my chances of getting financed with bad credit through a car dealership?
by eyewash
Question by kathy21302005: what are my chances of getting financed with bad credit through a car dealership?
Best answer:
Answer by pmspotterIt isn't as much of a problem as it used to be anymore. Many dealerships carry their own paper now with the car as security.
The main problem is that you may wind up paying a little higher interest because of it.
Just call the dealers or check their advertisements for the dealers that finance.
Add your own answer in the
Question by kathy21302005: what are my chances of getting financed with bad credit through a car dealership?
Best answer:
Answer by pmspotterIt isn't as much of a problem as it used to be anymore. Many dealerships carry their own paper now with the car as security.
The main problem is that you may wind up paying a little higher interest because of it.
Just call the dealers or check their advertisements for the dealers that finance.
Add your own answer in the
If ive been turned over to check busters from an overdraft charge would i go from having no credit to bad?
by Chris Devers
Question by rocker8420: If ive been turned over to check busters from an overdraft charge would i go from having no credit to bad?
ok i have another question regarding my credit. im trying to get a student loan and in order to do so i need a minimum of 21 months of credit good or bad to get it. about 3 years ago i was turned over to check busters which is a collection agency for an overdraft fee on my checking account. so my question is : from the date that i was turned over
Question by rocker8420: If ive been turned over to check busters from an overdraft charge would i go from having no credit to bad?
ok i have another question regarding my credit. im trying to get a student loan and in order to do so i need a minimum of 21 months of credit good or bad to get it. about 3 years ago i was turned over to check busters which is a collection agency for an overdraft fee on my checking account. so my question is : from the date that i was turned over
Is sub-leasing a car illegal in California?
by keith011764
Question by Mrs. Baum: Is sub-leasing a car illegal in California?
I have really bad credit and even though I have been making payments, it still is in too bad of shape to get a car loan, so I agreed to take over someone else's car payment and sub-lease it from them. He had told me that the car was in his name and we agreed on an amount. He agreed to give me ALL the paperwork a week after I picked the car up from him, so I have been paying well over a car payment amount to get
Question by Mrs. Baum: Is sub-leasing a car illegal in California?
I have really bad credit and even though I have been making payments, it still is in too bad of shape to get a car loan, so I agreed to take over someone else's car payment and sub-lease it from them. He had told me that the car was in his name and we agreed on an amount. He agreed to give me ALL the paperwork a week after I picked the car up from him, so I have been paying well over a car payment amount to get
Considering renting to a family with bad credit. Is this 100% crazy? If not, what precautions should I take?
Question by Always searching: Considering renting to a family with bad credit. Is this 100% crazy? If not, what precautions should I take?
I'm looking to rent out my house and have not had too many inquiries. I was recently contacted by a gentleman who would like to move into the home with his family. He explained that he has bad credit, which is making his mortgage rates through the roof. Once he sells, he plans to become a long term renter.
As I have not had too many people interested in
I'm looking to rent out my house and have not had too many inquiries. I was recently contacted by a gentleman who would like to move into the home with his family. He explained that he has bad credit, which is making his mortgage rates through the roof. Once he sells, he plans to become a long term renter.
As I have not had too many people interested in
Kamis, 19 Januari 2012
How can I get a $5,000 loan with no collateral and very poor credit?
by marsmet461
Question by Jen k: How can I get a ,000 loan with no collateral and very poor credit?
We need a loan ASAP. We have no collateral and really bad credit. We DO NOT want any kind of payday loan. Just a regular loan to make monthly payments on. Any suggestions?
Best answer:
Answer by raympe6The only thing I can offer you is a way to get out of a very poor credit. I can show you how but it's up to you if you want that help. I am not a bank but have an easy way to put you
Question by Jen k: How can I get a ,000 loan with no collateral and very poor credit?
We need a loan ASAP. We have no collateral and really bad credit. We DO NOT want any kind of payday loan. Just a regular loan to make monthly payments on. Any suggestions?
Best answer:
Answer by raympe6The only thing I can offer you is a way to get out of a very poor credit. I can show you how but it's up to you if you want that help. I am not a bank but have an easy way to put you
Q&A: Reasons for being denied a checking account?
Question by margin1718: Reasons for being denied a checking account?
What are some reasons the bank can deny you a checking account? Even if you had a negative balance and paid it off, then closed the account. And if you have bad credit, will you be denied a checking account or savings account?
Best answer:
Answer by Pantherlow income or bad credit
maybe you have not been with the bank long enough.
Know better? Leave your own answer in the
What are some reasons the bank can deny you a checking account? Even if you had a negative balance and paid it off, then closed the account. And if you have bad credit, will you be denied a checking account or savings account?
Best answer:
Answer by Pantherlow income or bad credit
maybe you have not been with the bank long enough.
Know better? Leave your own answer in the
Should I use my credit card like a bank account?
by eyewash
Question by devisissy: Should I use my credit card like a bank account?
Long story short. I had a bankruptcy many years ago. I have one credit card and a car loan. I make good money. My FICO is 690.
I can't get a checking account. I could not even get a savings account until last year. Although, the savings account fees me if I use it more than once in a cycle. $ 2 here $ 4 there. Last month it was over $ 45 is fees. Worthless really since I can't write checks off
Question by devisissy: Should I use my credit card like a bank account?
Long story short. I had a bankruptcy many years ago. I have one credit card and a car loan. I make good money. My FICO is 690.
I can't get a checking account. I could not even get a savings account until last year. Although, the savings account fees me if I use it more than once in a cycle. $ 2 here $ 4 there. Last month it was over $ 45 is fees. Worthless really since I can't write checks off
I was denied my auto loan bc "revolving account balances are too low" why?
Question by : 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
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
Credit (United Kingdom)?
Question by : Credit (United Kingdom)?
I have only just turned 19. Upon turning 18, I registered myself on the electoral roll, and obtained some small credit here and there. First credit account was a Contract phone with 3, I then got my mum 1, and then took out another for myself. (3) I then took out a contract with VM for phone+broadband whilst taking out a contract on Orange for my Aunty (they all have bad credit, but give me the cash each month) All are under my name, and all have had
I have only just turned 19. Upon turning 18, I registered myself on the electoral roll, and obtained some small credit here and there. First credit account was a Contract phone with 3, I then got my mum 1, and then took out another for myself. (3) I then took out a contract with VM for phone+broadband whilst taking out a contract on Orange for my Aunty (they all have bad credit, but give me the cash each month) All are under my name, and all have had
I can't get my husband to stop using credit cards. How do I get him to understand we can't keep doing this?
Question by darrigirl: I can't get my husband to stop using credit cards. How do I get him to understand we can't keep doing this?
I knew when I married him a year ago that he had $ 40,000 in student loan debt and doesn't even have his degree. And I'm just as responsible as him for running my credit cards up over $ 30,000 from the wedding and honeymoon. (we had to use my credit cards, he doesn't have good credit) And we both have a bad habit of living outside our means. I don't mean nice
I knew when I married him a year ago that he had $ 40,000 in student loan debt and doesn't even have his degree. And I'm just as responsible as him for running my credit cards up over $ 30,000 from the wedding and honeymoon. (we had to use my credit cards, he doesn't have good credit) And we both have a bad habit of living outside our means. I don't mean nice
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