Related articles from Yahoo AnswersOpen Question: I know that i have had identity theft, now i need to know how to fix it as well as what the best agencies are?
So i used to have credit protection through my capital one card, it was through a different agency, and they gave me a credit report with the score, activity, open accounts, etc. i could even access it onliine, and they had a $10,000 protection..that was really good for me, i just stopped using it but now i want to find another service like that that i could access online and everything..with insurance and all..whats the best one?
heres my story:
When i had that service i noticed accounts that i did not open. they maxed out and stopped using it. im not sure if it was through my social security number or not, but it definitely made my credit score crap.
now i need to know the steps i should take to clearing my name. preferrably online filing and such...but i need to fix this because now im living on my own and i need a car and loans..
thanks!
Open Question: I'm 22 yrs old and in debt. Can anyone assist me?
I'm 22 years old, I live with my parents, and I'm about $15,000 in debt. I've made a lot bad financial decisions over the past 3 years. I work in a skilled field and get paid better that majority of my friends. But because I earn more, I have built a habit of "splurging" more. I'll admit, I tend to buy a lot of useless items and junk food. I need to change these habits. I have the bank and collection agencies calling for me. Student loans, car insurance, credit cards, and phone bills to pay. And other miscellaneous expenses like internet, online games, gym membership, etc. I'm just looking to see if anybody any kind of advice as to how I can get out of this situation. Has anyone been in a similar situation? How did you overcome it?
Open Question: average car insurance ?
for a 24 year old single male living in Oregon with excellent credit and $45k job. I rent my apartment, and only have $17k left in student loans. I have 0 tickets or accidents in past 5 years.
I have not been able to find a calculator online, i do not want to get quotes from companies just yet, i just want an idea of what i will pay each month.
Resolved Question: applying for car loan? credit? $400 unpaid cell phone bill?
applying tomorrow for a car loan. I just got my credit report online but not the score, I've only had credit for 3 years but do have 8 credit cards (4 are paid off, only one is maxed out, the rest are about half way to limit) There seemed to be no negative things on the report except a sprint bill from 2 years ago that i havent paid that is almost 400 bucks? Is that going to kill my score? I want a 5000 jeep Ive been looking at but I hear its harder to get a few grand than someting more expensive! what do u think?
Voting Question: A couple of questions about my Credit. Provided with some information, can you help me?
My current credit score is 623.
My first credit card, CreditOne Bank, has a limit of $200, a minimum of $20/mo, along with numerous unreasonable fees was opened in March of 2008.
My second credit card, CapitalOne, has a limit of $750, a minimum of $10/mo, and who seems to keep everything simple and to my liking without any extra fees was opened in April of 2008.
I purchased my first car on a co-sign in November of 2007 with a payment of $400/mo.
Some positive things:
All accounts are in good standing. Regardless of the minimums I always pay $50.00 as soon as my statements are ready, and I've never been late. I always pay my $400 car payments on time. Money is never an issue monthly.
Some negative things:
My $200 credit card balance is at $150. My $750 credit card balance is at $600. I've been carrying this balance since approximately April of 2008. Approximately 94% of my available credit was used, according to MyCreditInform.com. My credit history is dinged with 9 applications for credit not including my car loan. 4 Approved and 5 declined (for when I first started, and was very unaware of anything credit wise).
Okay now onto the situation.
I am a little more educated on my credit score as of today and I have ready many tutorials and used MyCreditInform.com to the best of my knowledge. The reason why I state that I was approved for four of the two credit cards I own is because I was recently approved for two more credit cards with limits of at least $500-$700 each. So now I am going to have 2 CapitalOne, 1 CreditOne, 1 First Premier Bank, credit cards. I have yet to receive or activate my second CapitalOne or my First Premier Bank cards.
My original idea when applying to the third and fourth credit cards was to decrease my Debt Ratio, use $200 of my First Premier Bank Credit Card to clean my CreditOne Credit Card debt and close it leaving me with two CapitalOne Credit Cards with low interest rates and no annual fees, and a First Premier Bank Gold Card, with low interest rates, but with maybe $140 in enrollment fees, $7 in monthly fees, and $48 annual fees, which is bad, but considering it's better than CreditOne Bank, I was willing to do it. But now i'm not so sure. The reason why I want to close my CreditOne Bank is because the limit is low (haven't called yet to ask for increase, or decrease in percentage and fees), there is a $3.50 finance charge fee, a $7.95 direct fee for paying online, and a annual fee (charged monthly) of $5.75.
Now that I know closing my oldest account is not a wise idea because of wiping all the history of the card. I'm not sure about my original plan anymore. I now plan on paying off all my debt, while using very little (maybe $20) monthly from now on, within the next 5 or 6 months resulting in some credit score increase, according to MyCreditInform.com. But according to MyCreditInform.com and Scotsmanguide.com my credit should most likely probably drop 50-100 points because of the debt ratio.
Maybe I can open the second CapitalOne Credit Card once it arrives, to decrease my debt, while paying off my two original cards. I know for sure I will be spending a lot less on these cards once I do get them paid off. My objective withing the next 4-6 months will be to clean up my debt and sit tight for another six months while my credit replenishes.
All this leads to a couple of questions I have.
1) Overall am I responsible with my credit? The 35% coming from History will always be stronger than the 30% coming from Credit-Debt Ratio. I will always pay more than the minimums every month. Of course, my main objective now is to clear all the debt and concentrate on building.
2) Is opening the third and fourth credit cards a good idea? In the sense that I plan to use one for small purchases, one for emergencies, one for bills, and well my fourth card I wanted to close, so I guess I won't be using that much anymore.
3) Is closing my first CreditOne Card a good idea? It's filled with unreasonable monthly fees and will continue to charge me even when I pay it off.
4) If I do close off the card, how long, as in estimation, will it take to replenish the history lost of paying $50 with a minimum of $20 on time, but with a high debt ratio of 5 months?
5) Can you recommend some other positives things that I should be doing? I mean aside from spending less, paying off the debt as soon as possible, paying bills on time with more than minimum. Maybe there are some things I am missing.
6) How much does it actually help my by paying $50 on both of my accounts with minimums of $10 and $20?
7) In the end, regardless of how much I pay off or how fast I pay, the Debt-Ratio is going to kill me in the long run isn't it? I keep trying to tell myself that as long as I keep paying $50 when the statement is due, the creditors will see me as responsible.
Any recommendation, help, or criticism is highly appreciated. Thank you in advance.
Voting Question: My husband and I are separated I need advice?
Ok where to start, Im in a bad place emotionally right now and so in love with my husband I dont know how to stop myself.
About 3 weeks ago I went away for a week with the kids due to where I was camping I could not charge my phone and was unable to talk to my husband for 4 days.
I come home happy and content in life to find out my husband was unhappy in our marriage and the lack of contact did not help. He said that the past 6 months were not good due to me lashing out when I was mad and the lack of communication due to him playing computers 7 days a week 6pm to 12pm at night and spending 3 years on and off going to bed on my own.
The day after my head was all over the place instinct was telling something more serious was going on, I started to grieve feeling my husband was cheating on me and he was going to leave. That day I did something very stupid and tried to take my life, it was only a cry for help. The problem was prior to all of this he decided he wanted to got to amsterdam to visit friends , this is totally out of character for my husband as he as no real life friends, he doesnt drink and is slightly depressive. He plays computer games more specific online games.
This also was playing on my mind when I did what I did, this did not help our situation all week I was up and down emotionally tormenting myself with what I had done. My husband saying I needed mental help and saying I was paranoid. That week I also helped pack his suitcase of which I was suspicious as he had to take his designer clothes and boxers and his aftershave (of which he bought for us!) never the less feeling very insecure I drove him to the airport (ON MY BIRTHDAY!) and off he went. That evening I felt awful, lonely, one birthday card not from him.
After talking to family member I came to the conclusion that he would never cheat on me and started to be positive by setting myself goals, so the next day I looked on his computer for is flight information to set a goal but found an email address that I had not seen before, I managed none the less to get into it to find about 2 months of emails to another woman who he we both met playing online games who concidently lived in amsterdam. They were horrible saying how much they loved each other and other stuff sexually.
To cut along story short I rang him up and confronted, he said that he had'nt done anything he had made that decsion before getting off the plane. All that week we talked and text and came to the conclusion that we were going to work through our problems. Even though he was staying at her parents house. Eventually this led to lust and the best sex we ever had when he came home.
The real problem is he has been home for two weeks and I have been an emotional wreck, I need reassurances and affection, he has been hot and cold with feelings, he now said he loves me but hes not in love with me, that its gonna take time, that I should'nt push him into making a decsion. That it may not work could be a week a month etc.
Just be normal. How can I be normal, I feel rejected and insecure.
He has just controlled the whole thing when ever I try to help or talk about the problems try and fix what I did and help him to mend he clams up any arguement ends in well I can always leave, knowing fine well that I will buckle and start to cry begging him not to because I love him to much. Then another night it will be like nothing has happened, great sex etc etc.
I cant live like this as much as I want this to work and I love him hes my soulmate and Im so frightend of losing him. Anyways yesterday I had enough and asked to move out for a bit so we had time to think.
He did I was calm and collective packed all his stuff up and did the ironing upstairs while he packed the stuff into his dads car.
He kept coming up making idol chit chat and at the end said I suppose you want your ring back I said I didnt want anything just yet then he said you do know Im leaving once im gone im gone. He is being made redundant in 3 weeks and is expecting a payout, I feel he was just waiting for that. Part of me thinks he confused and may come back.
Im scared with have a big mortgage which we have had for 3 years and a secured loan on top, I have a very good job just dont know if I could manage all on my own not to mention being a single parent again.
I cant stop texting him and calling in desperation i love him dearly and want him back mentally. I feel horrible inside im not eating or sleeping, he was always the one when I felt bad that could take my pain away with a hug and a kiss, now I cant get that and it hurts.
I really am messed up.
Open Question: HOW DO YOU RECOVERY BEING IN CHAPTER 13?
My credit is ruined for a longtime. I thought when I filed bankruptcy it would help my credit. I just reviewed my credit for free online at www.AnnualCreditreport.com. You can review your credit once every year for up to to 30 days. I have been a single parent for a long time and have fallen behind on many bills. I have been trying to get a loan for $5000 to help me move into a home I recently got approved with lease option. I know after a year I would be able to purchase this home. The problem is I can't seem to get enough money for 1st and last month to move in. I need it all at one time. Home does not have appliances either. I only want one payment because this would be the only thing I need to pay along with my car payment. I was forced to file bankruptcy because of wages being garnished unnecessary. The wages was for the state I live in and found out don't owe them anything. But I panicked because they were taking 30% of my income. I have tried everything online. Don't have friends or family I want to go to and most of them don't have it anyway. I don't want to hear any cruel or harsh comments. I have read some pretty nasty comments to people on here in financial crisis. Some of the comments do not make any sense at all. So if you have positive advice for me I would greatly appreciate it. There are so many scammers here in cyberspace. Most of the individuals who claim they can help you have a yahoo email...yea right. Sure you can help. Don't bother because I will report you to the highest authority. Anyway, I know I am venting a little and anyone who has taken time to read this I really appreciate it. I really appreciate any advise someone can take time out and give me. It may help someone else as well. Of course by now you should know I am very much an adult. So please all you younger people, be very careful of credit cards and the scams online. Thanks for taking time reading my yada....
Resolved Question: Do balance transfer offers only work on other credit cards?
First off!! Don't tell me about the dangers of credit cards! I already know them!
Ok. Right now I have a 7 year car loan for $30,000 at 10% interest rate. Our payment is almost $530 a month. I have a balance transfer deal through Chase where it is 2.99% until the full balance is paid with a maximum of $199 balance transfer fee.
Will they send me a check I can use to pay off the car and take advantage of the low rate? Or are these online balance transfers only for other credit cards?
Resolved Question: Auto Loan Through Bank Of America for Current Customers?
I was looking at buying a used car and was wondering if Bank of America offered reduced interest rates for current customers? I have a credit card through them and both my parents (who will be cosigning with me) also have cards through them? Also how do their rates stack up against most banks. (My parents are old fashioned and don't want to deal with an online lenders)
Resolved Question: How to look for a new better JOb while still working( cause need the money)?
I've never had to switch jobs before. Usually i've finished assingments given to me by Temp agencies and then look for a new job. So when i finish a temporary job, i've had all the time and free time to look for a new job full time.
But this time it's different, i have student loans, car to pay, rent to pay and i have to make payments every month. If i quit my current job , then i'll have no money and i'll be in trouble.
My current job was advertised as a Scanning project assignment and we don't even do any scanning, it's mostly removing sttaples and preparing documents and listen to this.... CLEAN a dirty disgusting house: dust, vacuum , etc which is stupid cause i didn't sign up for that but whatever... i've stayed here cause if i didn't i woulnt have had any money. I've stayed in this job for 1 year and 1/2 believe it or not.
I believe i have skills to do something else. i mean i know i do. I dont use any of my skills and creativity in the current job so i really need to change jobs.
How can i do it. The only thing that pops into my mind is looking online and sending resumes by email. That way i won't need to take days off work and the money keeps coming.
Any tips?
Voting Question: Need personal financial advice pls?
We have a house for sale in another state. We bought the house for 155k and owe 143k, the house is 6 years old. 8 months ago we moved to another state so I could start a new job and have been living with relatives. The house has been on the market for 8 months and we've only had 4 showings. We switched realtors at the 6 month mark. I recently lost my new job where I was making 60k a year, my wife is working and making 30k. I'm still waiting to find out what unemployment will be, I think possibly 1800 a month net. We have good credit, no late payments, no bill colletors calling. Aside from the mortgage we have about 35k in unsecured debt that we pay about 900 a month for and a car loan that is 200 a month for the next 5 years. The mortgage is 1250 a month and then we have lawn care, gas, and electric expenses in addition to the 500 a month we pay to stay where we are at now, plus car gas. If I can find another job making what I was or close to it then we'll be okay. I need to have an idea of what to do until I find that next job. Obviously bankruptcy and foreclosure have come to mind. Neither seem real appealing, my wife is a personal banker and is concerned on how bankruptcy could effect her career. We've done some online research but are overall pretty ignorant on the subjects of bankruptcy and foreclosure. Our 35k in basically credit card debt is going to take decades to pay off unless we can get a loan, but without me working right now I don't even know if a loan is possible. 10 years of bad credit on the surface doesn't seem so bad when we are faced with 900 payments a month and currently facing a situation where it's likely we won't be able to cover all our expenses each month with what we have coming in. No house payment or debt payments right now is very appealing, but I don't even know if that is an option. I keep thinking that maybe we fall into the category of why bankruptcy exists and should do it. I don't know, I'm completly lost on what to do or who to ask, which is why I'm posting here. We really need some advice. Thanks in advance for your answers.
My house is currently listed at $156,900. After realtor and selling fees that would give us a small profit of a few thousand dollars. We have some room to drop the price without bringing cash to close but not very much.
Voting Question: Is a returned ACH Transfer the same as writing a bad check? Can one be criminally prosecuted?
I got a payday loan online through nationalpayday.com. I already read the law for Indiana where i live and it explicitly prohibits any criminal action being taken for not repaying a loan. However, I would like to know, in any case, Is a returned ACH transaction the same as writing a bad paper check? IE if your ACH payment on a cell phone or car bounces can they take you to court and prosecute you the same as if you wrote a bad check?
Resolved Question: I need info on getting a car loan online?
I want to see if i can get approved for a car loan online.Is there a safe trusted recommended site i can go through that has easy approval based on my job history only ?
Right...................................
Resolved Question: Getting a Car Loan Online?
I want to see if i can get approved for a car loan online.Is there a safe trusted recommended site i can go through that has easy approval based on my job history only ?
Voting Question: Should I fill out a Loan Application on a dealers website? ?
I'm 23 and have avg. credit, and I'm trying to finance a car that is 16k, but I'm going to put 5k down so I'll be financing around 11k. Is it a bad or good idea to fill out a dealership online application for credit? How long will it take to know if i'm approved or not? I always thought it was a bad idea because the dealer would know you are interested enough in their car before you even get there, so they won't haggle the price down too much.
I don't know if this helps, but II work full- time making about 35-40k a year.
I don't know if this helps, but I work full- time making about 35-40k a year.
Resolved Question: Does getting a preapproved car loan online lower your credit score just by inquiring?
I want to see how much I can get approved for online for a new car loan. Places like HSBC.com offer online to get you approved for an amount and interest rate. I'm just wondering if this will lower my credit score just like if a few car dealerships inquires will....
Voting Question: i need help i bought a car and the loan didnt go through and now the dealerships trying to prorate me?!?!?
ok i went to a used car lot called automacks inc. in cocoa florida. i found this car online and liked what i saw and it was with in my price range. well the first week i had it the car overheated and i called the guy and he said that he would fix it no problem. well i didnt really want to keep it because of this but i sighed the papers and on my contract i read that once it was sighed there was no grace period or cooling off period so the deal was done and i was willing to accept this and move forward. so i ended up missing two days of work for this because it was being fixed by his mechanic. it ended up being the thermostat which was not a problem i understand things happen. so to some things up after i got the car back it drove great its an 2003 cavilier by the way, so anyways i needed to come up with some paper work i needed my bank statement and to show him i had full coverage insurance on the car so a week later i took it to him and i guess he never submitted it to the lender at the time he recived the imformation so two weeks go by and in those two weeks i got laid off and the same day the finance company called to verify my employment there and they were informed i was laid off due to economical cut backs and the economy so i get a call the following day from the dealer saying the loan didnt go through and that he was going to try and get it to go through some how some way so the next day he calls me and says hey i got a friend thats willing to say i work for him so the loan could go through well i thought about it and im not going to commit fraud cause this guys itching to get a sell i told him no and he said well were going to have to make something happen other wise hes got to take the car back. well i said if you are taking the car back i want my 800 dollar down payment back and he starts going into this prorate garbage and i read my contract and it says nothing about that any where in any of the paper work so he said something like "you act all big and bad on the phone why dont you act like that in person?" i then replyed "you never talk the way you do unless its on the phone nither!" so i got mad and hung up the phone i called the lender and let them know what was going on and hes been reported for this issue and then i called automax the real one not this garbage auto place and i told them this story and they told me that im entitled for a full refund of my down payment by law. well im not sure about any of this and i need some help i really need a car and im stuck between a rock and a hard place so what do i do? thank you for dealing with this and sorry for any punctuation.
well the guy came at 3 o clock in the morning and took the car even before my posted date to pay for the car and i called him and he says that the car was repoed? i called the finance company and they said the loan never went through so how does he repo a car before the payment date and that didnt even have a loan on it tell me that and hes got my tag and my kids car seat my cds a bunch of stuff the police told me it was a civil matter and that im going to have to take him to court?!?
Resolved Question: Trouble with car dealer after purchase!?
We bought a car from a dealer and had all the paper work signed, we were waiting on on transfer to go through, was not a loan or any financing-was cash. other than that the dealer said the car was ready to go. my fiancee left me at the dealership, she had an important appointment we forgot about and i ended getting a ride from the dealer's courtesy van to the hospital to meet her there. while we waited for the transfer. an hour later the dealer told us (obviously) we couldnt get the car til it went through. he said something about a loaner i didnt want it and was kinda mad. 30 minutes later he called back and said they received the transfer and we could go pick it up, told them to deliver it if it did go through. 15 min. later he showed up with the car with new plates and the registration sticker on it. a week later they reported it stolen, said we took it off the lot and a bunch of other crap. we had security footage from the college campus where it was delivered, proof of payment, and the police even checked the registration and it was in our name. everything was dropped and the car was to be returned by the towing co. instead the detective had it returned to the dealer and now they wont give it back and wont return our calls. yet we have had several thank you letters and congratulation letters from the dealer and from mitsubishi, even got a login name for SIRIUS online(which we love SIRIUS). An attorney got the charges dropped and the car was to be returned but wasnt so he wanted $2500 cash-not easy to come by- so he dropped us and we didnt get the car. Anyone have any Ideas? by the way, did not see the car on the lot, which means someone is probably driving it, since dealers like to put miles on new (unpurchased) cars. NEED HELP!!!
i thought about going to the media but from what i was told it was in the bloomington pantagraph and on the news about it being stolen. the police had a state wide APB on it. i know it was in the paper, i saw it. it was all false. which if they filed a false report to begin with, shouldn't the detective have done something about that since our charges were dropped?
Voting Question: Can you help me pay for flight school?
I am asking people who believe in a higher power, karma, or just plain kindness to be able to pledge to me $100 each. Of course any amount would help. I need $100,000 to get through the schooling and pay for cost of living with my two children and wife. I am unemployed recently and applied for federal aid, come to find out a pell grant is maxed out at $4,500. As far as a loan goes, my credit is shot due to non renewal of my contract at my job. Long story short I lived on my credit cards for a s long as I could. My family and I slept on the floor of my in laws restaurant for a year and a half. We worked for 12 years for them total with no pay. I had a second job that I was paid that left me with only 2 hrs sleep a day. I lost my house, cars, credit and pride. We helped them since they gave us shelter and food.I had no where else to go. We all worked for no money the whole time to help them out. Now the restaurant is closed and I am desperate to get back to school to make up for lost time. I beg for people out there to give a guy a chance, I am determined to make it. My family is counting on me. This is also my dream career. If you ever wanted to help out , believe in karma, or just the good in your heart please send the contributions to my paypal account at personal_fortune_builder@yahoo.com I have that email when I tried doing online marketing that never worked. Anyway, I am no fraud, fake ,scam , or even mean. I need people in better situations than my family and I are in to spare a little love and keep a family off the streets and get a real career. Thank you ahead of time. I can provide the school code, name and other info you may want to know.
Please help. I need 1,000 people to help me. It seems like so many, but I figure many people are on yahoo. Thanks again. Bless you.
Voting Question: I'm sad and I'm pregnant?
My husband and I are young, he's 22 while I"m 21. My husband just lost his job 3 weeks ago. We are currently in a finanical debt. My husband has a car loan, motocycle loan and other credit cards. The debts add up around 10k to 14k. I don't know why he has so much loans. I didn't know about this when I got married to him. We have been married since June 16, 2007. My husband hasn't found a job for the past 3 weeks. He been doing nothing but sit his ass on the chair and play online games. I'm pretty sure he is addict to this online game, called "Solider fronts." One day when I unstall the game, I got yelled at and we got into a big arguement. But he didn't listen to me, instead he go and re-install that game! Gosh, I hate the fact that he is playing that stupid game and talking to his online friends. His online friends are the worst! They always asked him to play with them.
Our relationship has turn into a rocky and sour relationship.. We got married when I was 20. I was young and naive. Sometimes, I feel like I want to divorce him and go back home to my parent's house.
I don't know what to do. My husband is being stubborn and immature. I'm 3 months pregnant, just found out by the doctor last week. This will be my first child. I don't feel happy about this pregnancy, because I'm full time college student and I'm working on my internship. I'll be graduating next year on March. I'm just stressing out.
My husband doesn't even care about me. If he does care about me, he should have look for a job 3 weeks ago! I tried talking to him in a calm way, but instead he just told me to shut up. He doesn't want to talk to me about anything. To be honest...I don't want this pregnancy, because once i'm give birth to this child, my husband will not do anything with it. I'm pretty sure he will not provide us a stable life.
I don't know what to do. I don't to get a divorce. I don't know why my husband is like this. He don't want to go with me to talk to a specalist about our problem. He doesn't want to do anything, just play online games. He been like since 4 months after we got married. What should I do?
Voting Question: Where could I loan to consolidate 2 car loans?
I have two cars that I want to try to get as one payment(cheaper payment if possible) but have had no luck locally. If anyone knows any other location online or around Springfield IL. Thanks in advance.
Voting Question: are online mortgage calculators that tell you "how much can you afford" accurate?
My monthly income is 5500 before taxes. I have no debt (i even own my car) and I have 20k to put down and it is telling me that I can only get a loan on 200k house????? I know a friend of mind who makes less than I do who got a loan for 300k just last year. What is the deal.
oh, and my credit score is 730
Resolved Question: I was used as a reference for a car loan with out my consent.
A college friend used me as a reference for a car loan with out my consent. Now they are calling me to give her messages, because her phone is disconnected and I guess she is not paying her monthy car bill. My question is can they start billing me eventhough they do not have my personal information other than my contact phone and address? I am very upset right now and I cannot find anything online that discuss this situation.
Thank you.
Resolved Question: I Need A 10K Loan Fast! Who's The Best?
I want to buy an car and pay this one bill thats nagging me! I prefer any online lenders who send check or who can deposit into me bank/debit account! Who's the best & why!
Resolved Question: I Need Money Fast...Don't Know What Sources To Use..Help?
Im 18 and I need a car so bad! I wanted to borrow some money against my $10,000 insurance policy, but discovered I could only borrow up to $400! What kind of car can I buy with that!?
So...now Im stuck. I thought about a loan...but quickly decided aginst that. My sweet grandparents said they would get an loan on there behalf for my benefit. I've been trying to find an online loan place that would approve them cause they have had credit problems in the past...there score is about 530. Then I was thinking about using my little brother who doesnt have any credit at all and is 14.
Resolved Question: I need to find someone that can donate a car to a needy family.
I have a niece in the Sacramento area of California and one day on her way to work she was side swiped by a big rig when he had pulled over on top of her. Her car was totaled and she survived with minimal injury. However the car was given its worth and not completely paid off leaving $3000. debt. This family has had a very rough go with job loss, lack of health insurance, and mounting bills, and a small child. They were a one car family and now have none. They have been loaned a car but need to return it in 2 weeks. They have no where to turn because of the excessive bills and other issues. They both work but travel a distance she works in Stockton and he works in Sacramento and the live between the two. All the online car charities are backe up with applications for a car and not accepting anymore until 2009. Is there some one out there that can help??
I am not looking for a loan! I m looking for someone that has a car that maybe they would have traded in or sold but instead would like to get a tax deduction for the GIFT.
Resolved Question: i applied for a loan with capital one,does this mean i won't be approved
i applied for a personal loan with capital one online today and was told my application was being processed and i'll hear something within 7-10 days is that normal procedures or do they usually tell you you're approved immediately if approved?i don't see why we wouldn't be approved as far as our credit scores go hubby's 660 mine 671 and we pay all credit cards and car note on time.
what's the chances of us being approved for the loan?
Resolved Question: Why are cars at a repo place so much cheaper?
Sorry if this is a dumb question but I have been looking for a car this year. I was looking in the online classifieds at some cars in my town that are sold at a car cash title loans place. They have a 2003 Honda, Toyota, and Mitsubishi that I like and they are 4 door sedans. But they are only 4,000 dollars. I was just wondering why it would be so much cheaper buying it from them and whether or not that is normal. I just don't want to get stuck with a piece of junk and it seems pretty weird to be able to get a Honda or Toyota from 2003 for that price. Any info you have about this would be helpful. Thanks!
Resolved Question: Where can I go online to compare rates for a personal loan?
I want to borrow some extra money for school (not a school loan). Is there any where I can go to find the best interest rates for a personal loan like they do for car insurance?
Voting Question: Has anyone used Cars Direct online auto loans. How well did it work for you?
I have recent discharged bankuptcy and foreclosure.
Voting Question: Applying for HSBC auto loan online?
Ok credit is a 552. If they check my credit will it affect my score (already bad as it is). What are my chances of getting approved with this company? And how much am i looking at getting financed? Plus am i obligated to take the loan? And what do i have to pay, down payment. Looking at buying a 15k car
Resolved Question: such a failure....?
1. I feel like such a loser... My Fiance has a nice job and is in college. An online college won't even take me because i am so dumb. I guess it is the same when it comes to finding work too.
2. I can't find a job. I have applied to over 20. It is a bit ridiculous.
3. We don't have two cars... that is a MAJOR factor in this new situation. And i can't get a loan for a car until i get a job, but i need a car to go in for interviews. I have to start as soon as possible too, so that my fiance and I can afford to stay in this apartment.
4.I am not too sure how to handle not being able to see him that much. I have been through that already and i almost didn't make it. I'd like to be busy so i keep it off my mind as much as i can.
5.I don't know how to discuss the girl thing with my fiance. Since we are engaged, i don't see why it would be hard to notice i feel very uncomfortable with him having girls our age as friends. It really isn't that hard to agree with me (in my opinion)
if you propose to someone you know you have to change.
Just when you can, please help me out with all of the above... i just don't know what to do.... i am such a failure at life. .....
He can go to just about any college he wants, because he is fresh out of MBA a really nice all guy school in nashville, tennessee. I can't, because i was homeschooled and graduated early, so i don't have a good school to back me up....
Resolved Question: can I get a car loan?
I collect disability and need a new car are there any places that will give me a small loan? like $1500-$2500 and if so can I do an online application my monthly income is low (under $500)
Resolved Question: I need to change my last name after getting married... Did I forget anything?
So far, this is what I have on my list of places to change:
Drivers Liscense
Passport
Social Security Card
Lease (apartment)
Utilities
Verizon
Comcast
newspaper
W4? Somehow change taxes?
Post Office?
Credit cards
Banks
Doctor's office
Dentist
Work (business cards)
Health insurance
car insurance
Voting Registration
AAA
blockbuster (online)
car registration
Car Loan
Student Loans
401K
Did I forget anything? Thanks!
Resolved Question: Is it safe to buy a used car online?advise please?
I stay in rural america where there are not many car dealerships and most used cars here are expensive(more than 15K).I have looked at the Internet and found some great deals(under 10k).but i dont know how safe it is;has someone out there done this successfully?what does it take?Advise please.NB:i am already pre approved for an auto loan.
Resolved Question: Is there anywhere good online to apply for a car loan with bad credit?
I have a 600 score with trans
a 530 with equifax and experian.
I dont think it is because I have bad credit, it is limited. Is there anywhere online that I can get approved rather then going to the dealerships and looking dumb?
Resolved Question: please please please help me. how do i...?
make money FAST online. im sure you don't care but heres whats going on...my mom just decided she no longer is going to pay for me to buy a car, college, or anything else. I don't work because i used to work wiht my mother and she fired me. I really want to go to college, and i need a car to get there. and i don't qualify for financial aid, plus loans are too stressful. how can i make money online? whats a site that REALLY works. ive tried survey sites and they suck. please help me.
thanks.
and also if i dont have money to buy a car, i cant get to my job. my mom is bribing me and that is why i need to make money online!
Resolved Question: What Is The Lowest Auto Loan Refinance Company Out There?
I am trying to refinance my Mazda car and currently, I am making a payment of $300 a month. What company has the lowest auto loan refinance interest rate? Needs to be available to Florida residents and it does not matter if it is an online company only. Thank you.
Voting Question: Will auto loan with co-signer help establish my credit?
I am trying to buy a car and build credit at the same time. I have almost a years worth of credit history specifically credit cards and charge cards. I have good scores, but limited history. I have been turned down applying for the loan by myself. I would like to cosign with a parent. Two questions. First, I was told that even if my parents scores are not the best, or even good, they have history. I do not have much history, but have good scores. And so, I was told that this would essentially be a match and I'd have a good chance of getting the loan. The second question is, if I were to get a loan with a co-signer in my parents, that it would primarily be in their name, building or hurting their credit? If they co-sign with me, and I make the payments, it will or will not affect my credit? I have a specific car in mind and the pricing online is attractive opposed to working with dealerships that have less then desirable cars that will work with no/bad credit for high interest rates.TIA
Resolved Question: Bad Credit Loans?
I really need a small loan for 300.00 for my car payment, i don't have good credit but i do have a checking account.
Every time i try to fill out an application online, it is always with a site that "finds lenders" then all these pop-ups come out everywhere and its making me go in circles, i would like just a direct link to a lender that has a guarnteed approval, so im not wasting my time.
PLEASE HELP!!
5 Points to the must help thank you *****
Resolved Question: Can someone else register a car for me?
I want to loan a car to a friend who lives in another state but I want it to stay in my name. Can she go to the DMV to register this car in her state? My plan is that she do this and then send the new plates to me and then I drive to car to her state. Do they need the title? If so, how do I get this title. I assume from the DMV but is there an online method that is perhaps more convenient?
Perhaps I wasn't very clear. Thanks to all but I want to loan my already paid off car to a friend who lives in another state. I don't need to borrow any money. I just want registration information. But thank you just the same.
Voting Question: It was a gift, now a loan when they broke up! Help!?
my friend and this guy who is 36 years older than her, they met online on SugarDaddy dating site. They were dating for 1 year, while they were still together, he gave her a thousand dollar (money transfer service) for vacation and four thousands (a check) for a car. She then broke up with him and he got upset, he told her to pay back the loan she borrowed. She was a work-at-home (not a prositution) divorced mother. How could he make her pay? That wasn't a loan, they didn't sign any papers. There was a time, they chatted on yahoo. He told her to pay and she said she would when she got money from her ex-husband, just so he would leave her alone. Could he sue her? I'm upset for her because he (as her boyfriend) gave her the money and now making her to pay back as it was a loan when they broke up. Excuse me my language, what about those times when they f-u-cked? Could he pay back to her as well?
Let's get this straight. The last sentence I said was because the money he gave her as a gift, now because she broke up with him and he wanting her to pay back the money he gave as a loan. How could you make someone pay back when it was a gift?
I'm sure that he was after her for sex when he was 36 years older than her.
Resolved Question: Money issue with ex-boyfriend?
my friend and this guy who is 36 years older than her, they met online on SugarDaddy dating site. They were dating for 1 year, while they were still together, he gave her a thousand dollar (money transfer service) for vacation and four thousands (a check) for a car. She then broke up with him and he got upset, he told her to pay back the loan she borrowed. She was a work-at-home (not a prositution) divorced mother. How could he make her pay? That wasn't a loan, they didn't sign any papers. There was a time, they chatted on yahoo. He told her to pay and she said she would when she got money from her ex-husband, just so he would leave her alone. Could he sue her? I'm upset for her because he (as her boyfriend) gave her the money and now making her to pay back as it was a loan when they broke up. Excuse me my language, what about those times when they f-u-cked? Could he pay back to her as well?
Voting Question: How much money will I save in interest if I pay off my car loan this month?
Thanks for your help. I can't find any online calculators to help me with this:
$ 7048.75 balance as of today
26 Payments remaining
$ 295.00 monthly payment
Loan maturity date is 08/22/2010
8.44% Simple Interest
No penalty for early payoff
Voting Question: I need to get a used car soon, but I don't have credit or a full time job...how would this work?
I've been saving up for a nicer car for a while, but my current car died sooner than I thought it would. I only got a credit card 2 months ago so I don't have a credit build up yet and I don't have a full time job. I've looked online at used car dealers, but everywhere you either have to apply for a loan (only if you have a full time job) or apply for credit, which I don't have. Any ideas what I should do?
Resolved Question: can i sue my exgirlfriend for spending money from my account other than for rent/utilities.?
while i was deployed OIF i gave my girlfriend access to my bank account so she could pay my half of the rent/utilities. she spent nearly $9,000 additional of my money over a 7 month period. i broke up w her shortly before i returned and when i returned asked her what she owed me. she quoted around 7000. i looked through my bank statements and found the number much higher. we made a verbal agreement that she was to live w her parents to pay off her credit cards so she could get a loan and pay me off all at once. of course 4 months later she moved out and into a new apartment. since then i have been chasing after her to start paying me back and have tracked her online spending money and buying a new car. now all of the sudden she wants to only pay 1200 of what she owes and is lying about our agreeement. she basically says that while i was deployed i told her i would pay her living expenses for our apartment in addition to my half rent/utilities rather than break the lease. i was not on the lease and told her whatever was fine w me. a month later after she had already started charging my account for storage fees she decided to keep the apartment bc it would cost more to break the lease than what was owed on the apartment. i said fine and that i would help her and she can pay me back later. will a civil lawsuit hold up in this situation? how do i go about filing such a lawsuit. she did not have POA just added to my bank account which even i wasn't the primary cardholder, it was my mother's account. this happend in orlando, florida
thank you
so if i have emails proving she would pay me back and that she is lying about her income level during that time period that won't do any good? i also have asked her for her credit cards/ bank statements for the time period since she started taking my money until now to prove that she was having financial difficulties. she won't give them to me but expects me to give her copies of my bank statements. also, i can get written sworn statments from people we knew that i had asked advice on how to handle the situation.
Resolved Question: Is there a way to ask for investments or donations, online to start a legal reistered business?
My business is a bar & grill. My business will cater to the blue-collar workers near the Atlanta Airport. My bar & grill will be like a "Cheers" kinda bar where everyone will be treated like a VIP, everytime.
My bar & grill will be like the "Walmart" of bar & grills with our daily themes, and our daily drink specials. We will be the "low cost" bar & grill.
My problem is this...... my credit is terrible; therfore, I'm not eligible for a bank loan.
I'm looking for a private investor, but all of the so called investors and websites are full of scam artist.
I have already been offered a prime target venue location, and I have a great business plan available for review.
I'm really passionate about this project that I have sold all my personal belongings to raise capital( car, furniture, etc.).
Does anyone have any valuable serious advice on how I can raise start-up capital?
Please, let me know........Thanks
Private investors welcomed to respond!
Resolved Question: Strange morgage coming up on credit applications?
Ill try to explain this as uncomplicated as possible. This is the second time this has happened to me. When I applied for a Credit Card online the other day it asked a series of questions reguarding loans in my name. It had my car and my school loan on it. It showed a list of lenders besides each loan. The lenders were listed so this is my problem- Another "loan" keeps showing up on my credit apps, it says I have a morgage and then asks me who it is with and what the term is. I dont own a home. I was 18 at the time it says the loan was taken out. I have pulled a credit report and its not showing anything there. Is there someone I can contact free, like a Lawyer to tell me what this is and why it is showing up for my name
Resolved Question: what is your debt to credit ratio?
I just did my credit report online, and my debt to credit ratio is 83%. I know what debt to income ratio is but when i googled it it told me that debt to credit is how much of your credit you have used up. Now i went back to my credit report and saw that my mortgage is 94%, my installment is 88% but my revolving is only 7%. On further look i saw that installment is just my car paymetn, and revolving is all my credit cards. I was under the impression that only credit cards were calculated in your debt to credit ratio. So when a lender looks at that am i being punished for my mortgage and my car payment? I mean 7% of my credit cards is pretty damn good. At least i thought it was. My debt to income ratio is only 36% and last i checked that was good too. I'm so confused when it comes to this stuff. I'm wanting a private student loan and now i'm worried i won't get it. I have never missed a payment ever, everything paid on time and in good standing.
Resolved Question: Taking my name off a joint checking account.......?
I am on a joint checking account with my ex husband. When we were getting a divorce he said he took my name off. I never knew knew any different. He changed the pin and the online log in. So I thought he was telling the truth. I call the bank to check on our joint car loan they said I still had a checking and savings account there? Can I take my name off the account with out his signature?
Well I did call my lawyer about taking out half the money and he said he could take me to court if my ex considered the money his? So I really dont know what to do. And the bank is a Utah bank and I live in Alabama?
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