Can you combine funds on Visa "mytreat" cards?
I bought two of these each worth $100 and I'd similar to to combine the funds of the two, is it possible?Answers: I don't think you can combine them onto one, but you shouldn't really enjoy a problem using them at once. When you pay, most places consent to you use more than one card, so just ask them if you can use them both.
Need a loan next to impossible credit!!?
My bestfriend needs help out finding a loan to get an apartment,but she have bad credit.She lately got a current nursing job thats resembling 1hr away from her so she would like to move closer asap.She freshly start there and she is making great money but she doesnt want to hang about to save.Do anyone know where on earth she could get a loan for atleast $10,000.She have tried prosper.com but they said her credit was to low.If anyone could oblige that would be appriciated.thanks...p.s.she stays within ga!
Answers: If credit is bad, there's no where on earth she can look to find a loan. If she wants a clean place closer, why not look for a rental home, with a manager that is not a realtor? A lot of times rental homes do not require credit checks, and simply ask for a deposit and 1st month's rent.
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Does the debt-to-income ratio include revolving loans AND installment loans??
Answers: debt to income ratio is simple:
take all minimum payments currently required on any loans or credit cards reporting on your credit and divide it by your gross monthly income... if you're looking to buy a house and your credit is okay, your gross debt to income ratio can be as high as 65%.
These people are wrong. 35% of your FICO score is based upon debt to credit ratio - true, but only on revolvings account like credit cards.
Installment accounts like a car payment or a home mortgage are not included in this percentage of your score.
Having a home mortgage actually helps your credit, if you pay it on time and never late.
Figuring your debt to income ratio they will use your gross pay versus any debt that has acquired on your credit report. Such as Credit cards, Leases, personal loans, collections, installment loans, Personal loans, as well your yearly taxes, homeowners insurance, mortgage/rent payment.
Car insurance, phone/electric/heat/tv/internet etc.. are all not included.
To qualify for any most loans, Mortgage and personal your DTI needs to be below 50%
Hope that helps!
Yes, all debts.
With revolving loans, the minimum is usually counted.