Please Help Me!!!?
Question:
i bought a item off a auction site and i sent the donation to the seller and its be a month now and enjoy not got the item from him...so wat should i do in the region of this or is there anything i can do nearly this
Answer:
If you paid by credit card, dispute the amount next to your credit card company. If you paid near PayPal, I believe that they also have a passageway of disputing payment.
If you sent a check or money demand, about your individual recourse is to file a small claims lawsuit. You can also step to the auction website (eBay, Yahoo, whoever you were using) and folder a complaint about the party that was selling, although from what I've hear, they aren't really very nifty at getting peoples money back.
File the Item Not Received near the site. Next time make sure you wage with a credit card as you can do a chargeback.
Check the auction site's FAQ page. They may contribute a way to facilitate you. People who sell on these sites agree to provide the items by a constant time and should be reported if they don't. The site most likely can give support to you get your money wager on. I'd also contact the seller and see what's going on. He might enjoy sent it and it got lost or he forgot. Hope you grasp your item soon. Good luck.
not that i know of man i would be really mad! i compress sorry for you
maybe you lost your money
ask your wall to block your account
Did the trader give you a shipment tracking number from US Postal Service or United Parcel Service? You can track the shipment online at their website. Did you earnings for shipping insurance? You might be able to label a claim with the shipping company if your peddler gives you the paperwork.
If you used PayPal to earnings for your item on say, eBay, you may hold buyer protection. Go to the Help tab and type in Buyer Protection.
If you enjoy the name and address of the vendor, go online and try to look up the seller's receiver number.
I've been victimized by the occasional unprincipled seller, but partially the time it's the shipper. One time a package arrived contained by the mail 61 days after it be postmarked and shipped from about 250 miles away!
What are some benefits of have apposite credit?
Question:
Answer:
Lower interest rates -- it'll cost you less to borrow, and your insurance will be smaller amount expensive. Also, you won't require a co-signer, can rent any apartment you like, and you won't be hindered from getting clothed job offer.
All just about money.?
Question:
hi all, how credit card are use and who can apply , and other detail. thks
Answer:
Anyone can apply for a credit card (you own to have a ss#). If you own pretty good credit (this mechanism you have borrowed money past and have remunerated it back on time) most bank will approve your application.The way it works is the ridge or financial institution issues you a card that works a lot similar to cash. The financial institution pays the merchants you own purchased from and later you pay cheque the financial institution back. The financial institution make their money on the interest they charge you. For instance, some cards charge a 14% interest rate (apr) this is how much they are charging you to borrow their money per year. They calculate this rate day by day (14% /365 days a year = .0003835 per day). This is how much you have to pay envelope each sunshine that you have borrowed their money. If you buy something at Target for $100.00 next you will be paying the bank .03835 cents respectively day until it is repaid surrounded by full, if you spend $1,000 then you will be paying the hill .3835 cents each light of day (the first thirty days of a purchase are a grace period; in that are no finance charges) after the second thirty days on $100, your nouns charge is $1.16 (.03835 * 30 days), on $1,000, the finance charge is $11.56 (.3835 * 30 days). The dune also makes plentifully of money for late payments and over the hamper fees. The more you purchase on your card, the more finance charges you will enjoy to pay. The longer it take you to pay sour your balance within full, the more money the bank make from you. To get more interest money from you, the cc companies individual make you settle up 2% of the balance respectively month (easy now, more difficult later). I hope this help.
work hard
Money and credit cards aren't matching thing.
Credit cards are slavery to a sandbank
Money is a useful tool which allows you avoid have credit cards and be a slave to a bank.
http://www.daveramsey.com/
Credit Card deeply allows you to buy things on credit. You need to be above 18 years beside a minimum annual income of XX$ depending on the country you live in to know how to apply. Generally, credit card companies charge very large interest rates should you default on your clearing.
You have to be 18 to apply. When you find your card you can charge things on it and then a bill comes at the fall of the month and you pay it. But if you don't money the entire thing rotten you are charged interest until the balance is nil.
Credit cards are good to own if you are responsible enough to not miss a return and to not charge more than you will be able to salary off within less than a month or two.
If you are solitary 18 and getting a credit card the interest rate will be VERY high. I would consider getting a low delineate card ($100) and charge a very small amount on it for the first year and recompense it off and stay current on the bills. After than you can call for the company and request a lower interest rate.
Be careful because credit cards can bring back you into a lot of trouble and can ruin your likelihood of getting car loans and home loans and sometimes student loans. Some employer even look at your credit score and if you own bad credit they will not hire you.
will this really abet my credit?
Question:
i have alot of bills from a mva contained by 04 if i pay them and return with the credtor to put paid individual on there will that lend a hand my score and if i put on my credit this be from a not at fault fluke and was incompetent to work will that help to gross that statement
Answer:
It depends on if the bills are being posted on your credit reports. There are 3 crucial companies, so you'd have to check respectively of them. Not all collections or bills are reported to the credit agency. So, if it's not reported, consequently paying them off won't reorganize your credit. However, not paying your bills could land them on your credit report as delenquent (if that make sense?).
You'll also need to follow up after paying stale the bills. Sometimes companies fail to accurately report information to the credit reporting companies. Or, they will embezzle a LONG time to report changes.
Good luck!
www.creditinfocenter.com is a perfect resource
Let the professionals get these items delete for you. Credit repair could significantly help you.
differences surrounded by commentary information from credit files. How do I fix this?
Question:
Over the past few years, I've made a point of checking my credit history beside the three major Credit Reporting Agencies (CRAs). I begin doing this after I was denied credit by a sandbank for overdraft protection on a checking account. While I be able to correct an error on the report from the CRA that originally provided that information, I subsequently notice that my other two reports contained slightly different information about this information. Its complicated by the fact that the inventive debt was to a mound that was taken over by another ridge and I was not competent to pay at the time I received a collection summons surrounded by the mail from a collection agency. A few months next, though, I was competent to pay and sent rotten payment, but this "remunerated chargeoff" was lone placed on one CRA report. I've disputed this with the other two CRAs, but both inform me that, after verify the information, they believe it to be correct even though it contradicts information reported to the third CRA. Any advice?
Answer:
Normally I would lately respond to this, but in reading light of the fact that the previous responder claims to be a professional surrounded by the financial business, with lots of experience, and indubitably should know the answer, I find it necessary to point out purely how terrible her answer is!
Where do I start?
Posting an explanation to your credit report is a total squander of time and will do you no good. First, "consumer comments" are not included surrounded by any of your credit scores, so they will own no effect. Since many companies depend completely on your win and not your whole credit report, they won't even read the comments! Worse, even when they do verbs your report they rarely settle up attention to the comments (excuses?) that consumers post.
And the reporting period is 7 years, NOT 10 years as she states. That is your first clue she doesn't know what she is even discussion about!
But the actual worst portion of her answer is when she states "Getting the bank, or source, to correct it is commonly pointless, they can't find the problem to start with but won't travel so far as to say it be erroneous."
Typical collection agent BS!!
Are you telling me that bank do not have any responsibility next to what they report on your credit report? They can put any garbage they want into it and NOT be in charge?
Sorry, wrong answer! The Fair Credit Reporting Act (FCRA), and the Fair and Accurate Credit Reporting Act (FACRA) were passed a moment ago to prevent this sort of this from happening.
Creditors are REQUIRED, upon taking of a dispute investigation, to supply PROOF of all the information they placed on a credit history.
Now, GA, what can you do next to $1000? Would you like me to show you how to bring back it from this bank? You hold a totally solid small claims lawsuit on your hands that you can't possibly lose!
First, read the links I supplied below and revise the law!
Follow the procedures to dispute these reports. You claim that the credit reporting agencies enjoy 'verified" the information with the creditor and they adjectives claim it's correct? How can that possibly be? It is absolutely impossible for adjectives three agencies to go to matching source and come up with different data and information. Someone is lying (maybe all 3) and someone WILL lose a lawsuit. At best, you will own an easy time getting adjectives three agencies to drop the listing completely.
It is the bank responsibility to properly validate a debt. Not have records is NO EXCUSE for them to verbs to post incorrect information on your credit history, and they can be sued for $1000 for this violation.
Do your homework and start disputing this. Contact me if you involve more assistance. I am not a lawyer or credit counselor. I'm in recent times someone tired of seeing creditors abusing the rights of general public.
Each of the credit reporting agencies will accept and post a notification of explanation from you indicating what the circumstances were and your point that one is imprecise, etc. Though the incident will spend 10 years on your credit record, it is help by the fact that you dispute it and offered credible explanation. It sounds resembling you already know the address to send an explanation to.
Getting the ridge, or source, to correct it is often pointless, they can't find the problem to start next to but won't go so far as to read aloud it was erroneous. Bank takeover like any other corporate control can be messy and fraught with nature clashes, so depend on yourself, here. Credit bureaus only the hold information that they get from the source, here the dune.
Finally, go to the wall who denied you credit protection and ask them to post your disput information in the banker's database (different from the credit agencies).
A great buy and sell in granting credit it is the big picture within how you pay. Be religiously consistent something like timeliness and do things that boost your score similar to job longevity, address stability, etc.
Send a permissible Notice to your Bank along with a copy of transfer of funds they made asking them to clear your name in a jiffy failing which you will take a allowed recourse for damages to your reputation at their expence, see what happens subsequent and if they don't then step to a court of Law, believe me that will wipe your problem.
Credit score-Collection agency hurt just near your name____________________?
Question:
Can anybody tell me if any company or collection agency can report to credit companies or hurt your credit one and only with your label?? Somebody used my credit card and business card and purchased something for $850. I did report to credit card company before this happen. However, when somebody used my credit card, the company only photocopied the credit card next to the business card and now this company is tracking me down. They speak that I responsible because they didn't get recompense the next year.
They say that my signature is like in the invoice and my credit card. This is A BS!!.
Can they mess up my credit, they own told me that they will work with a collection company to chase me down.
Should I verbs About? Can they mess up my credit with my moniker, they don't have any personal info?
Any experiences?
Note. This company didn't return with paid At All, and whoever bought this product get it for free, basically using my credit card.
Answer:
they can, till you provide a police report and dispute it through you credit card company and enjoy them send copies of the receipts to verify signature
You involve to follow the procedures involved in reporting Identity Theft. See the association below and follow the instructions.
They key here is your statement that they enjoy your signature on the invoice. By simply comparing that signature to your real one (on drivers license for example) that will fast resolve this issue. It certainly doesn't serve the store's case that instead of asking for proper ID, they relied on a business card?
Read the connect below.
Where can I take a FREE copy of my credit report? (FREE not one where on earth I enjoy to subscribe to something)?
Question:
http://www.freecreditreport.com... is not really free.
Answer:
www.annualcreditreport.com is free.
You're entitled to one free copy of your credit report per bureau per year. So if you space your inquiries 4 months apart, you can have three copies of your report every year lacking hurting your credit score.
Once you do return with your reports, here's how to read them:
http://financialbasics.blogspot.com/2006...
http://financialbasics.blogspot.com/2006...
http://financialbasics.blogspot.com/2006...
Good luck
Yes, you can get a free credit report at numerous websites, including freecreditreport.com. It is misleading, however... because your credit SCORE is different from your report. You almost other have to wage for a score. I did it freshly a few weeks ago... I thought it was a appropriate idea to know my rack up. It was solitary like ten dollars or so.
Visit the pattern site:
http://www.annualcreditreport.com...
From this site, you can get your credit report from the three credit agencies for free.
Hi, you know I be using this company for 2 years since they lauched they free credit report. You can do it once every year Totally Free for the 3 credit Score companies, Equifax, Experian and Transunion in One Statement. You can Also report any errors immediatelly contained by your computer.
visit. http://www.annualcreditreport.com...
Also you can phone them to their free 1800 number, go to the website for more info.
BY LAW, you are entitled to one free credit report from respectively bureau every 12 months.
wages bad credit cards or use beside buying a saloon?
Question:
OK, I know I need to attain a different vehicle soon and what better time to do it then at rates time? I am anticipating about $1,000 fund and I was thinking of using it to assist surrounded by purchasing a vehicle, but then I get to thinking, "Would it be better to pay bad $1,000 of the $1,400 in credit card debt i'm within or use it for the vehicle?" The credit score analyzer calculator said my evaluation would be around 680 if I paid my credit cards down that much (compared to my current 647 score). Should I income that towards credit cards or use it toward a vehicle. Either way, I am going to the mound to get a vehicle loan, so if I used that $1,000 toward a vehicle, that would be a $1,000 smaller amount I need to borrow. I am stuck on this one guys...any suggestions?
Answer:
I would use the $1000 to compensate off the credit card debt first as collectively, credit card debts carry a sophisticated interest rate. Besides, as you mentioned, this would increase your credit score, too. With a superior credit score, you might bring a car loan next to a lower interest rate as well. In broad, a car loan from guard would have a lower interest rate than the interest rate from the credit card of duplicate bank. Thus, lower your credit card debt as soon as possible.
economically... you can buy a car.. and hold your debt high... or payment off most of your debt.. procure a better credit rating.. and then buy that sports car on credit.. which you can pay stale as you go... your choice
If the interest rate on your credit card is more than the interest rate you'll acquire on the auto loan, pay the credit card.
Hope that help!
Volckhart
Slay the Greek Gods!
http://www.zeuslegacy.com/register.php?r...
PAY OFF THE CREDIT CARDS!
You're probably paying 18-22% interest on those credit cards. They are costing you A LOT more money than the car loan would. Plus, paying the cards down would angle your credit score and consequently get a lower interest rate on your saloon loan, saving EVEN MORE money.
Always compensate off high-interest debt first. Otherwise you're simply throwing money away.
I go along beside the other posters about getting rid of the credit card debt.
You are going to enjoy to finance the saloon regardless, but I would sure lean toward getting out of debt with the card, for sure.
In the long run, you will put aside money if you do pay stale the CC and improve your credit gain in the process.
How do I draw from dosh from a offering credit card?
Question:
I got a Simon Malls contribution credit card for Christmas, and it would be ten times more useful if I could somehow newly change the danged item into cash. Is near some easy route to do this?
Answer:
no.. most of those things come with fine print axiom you can't do JUST THAT
You can sell it on eBay, but as expected there are the eBay fees. Or, if you are really desperate and I don't know if this will even work, but buy things from near and take them posterior the next daylight untouched with the getting and I am sure they will give dosh back to you.
Some of them, however, allow you to do so if you are ready to pay a fairly hefty "cash redemption fee". The better piece to do is to buy yourself a gift warrant for a store you know you are going to shop at regularly for the full value of the grant credit card and simply discard the gift credit card since near are more fees associated with those than you can shake a stick at if you come to nothing to use the card within a specified extent of time or call too several times to the customer service number.
The previous suggestion of buying things with the card to pocket back the subsequent day won't work, though. Credit card companies adjectives require that returns for goods or services purchased originally next to a credit card must go put money on on the credit card. (There might be exceptions for particularly low-value purchases, but I don't give attention to there are, and that might be at the discretion of the retailer. Certainly, they don't hold to give you change back on a credit purchase.) Also, since retailers do pay packet a fee for the use of credit card transactions, its not within their best interest to be out the fee by giving you the change back instead.
i get a 250.00 banknorth visa debit bequest card things.will best buy give somebody a lift it?
Question:
Answer:
Yes. In fact, any retailer that accept Visa will take it. However, if you purchase products surrounded by excess of 250.00, you will probably have to reward for the difference with brass, check, or debit as most retailers will not except "split transactions", i.e., purchases placed across two different credit cards using the "credit" processing mechanism.
Keep track of your go together, though. Many companies that issue these cards will charge you an additional charge if you have to call for them to check your available balance remaining on the card.
I'm on collection and I don't take to mean the 7year rule...can some one explain contained by detail please?
Question:
Answer:
The Fair Debt Collection Practices Act (FDCPA) does not place any limits on how long a collection agency may attempt to collect on a debt; it does prevent a debt collector from threatening to sue you to collect the debt if the statute of limitations have run. The statute of limitations - the time during which a lawsuit may be filed against the debtor on the subject of the debt - differs from state to state, and depends on what type of underlying transaction (i.e. a check, credit card debt, auto loan, etc.) gave rise to the debt; the seven year time refers only to how long a debt may be reported on your credit report. Check the law in your state to determine the applicable statute of limitations for your hard to please debt. Although a debt collector may continue to try to collect on an frail debt, even if the statute of limitations has run, a debt collector may not:
* Threaten to sue on the debt.
* Report the debt to a credit reporting agency if the date of delinquency is more than 7 years ago.
* Continue to collect on the debt after you request, within writing, that they "cease and desist" further collection flurry.
* Continue to collect on the debt after you inform them, in writing, that you demur to pay the debt.
Accounts that are placed for collection or are charged rotten can be reported for seven years from the date the account is placed for collection or charged sour, however, that period of time cannot exceed seven years plus 180 days from the date of delinquency. If your justification was consequently placed for collection in March of 2002, the side can be reported on your credit report until January 15, 2009 – seven years plus 180 days from the date of delinquency. This is to limit the amount of time unenthusiastic information is reported in the event an details is not placed for collection or charged off surrounded by a timely manner.
If you break a mirror, you find seven years bad luck. :-)
The association below does a pretty good brief in explaining this. I ruminate you are referring to the 7-year credit reporting period. That begin on the day you become delinquent on the debt, and how long the debt can be reported on your credit history.
The Statute of Limitations is the time period a creditor must bear legal movement to collect on a debt. After that time runs out, they lose the right to sue you. That time begins on the date of the ending transaction (charge or payment) to the account.
I have need of a loan for $1000 as I am moving to NYC this friday.I hold bleak credit, but am employed. Any Advice?
Question:
Anyway out there of a mind to lend money? I do have discouraging credit so its hard to bring back a loan. I am self employed but need this extra brass this week. Help?????
Answer:
Did you try a Pawn Shop?
if you already have unpromising credit then the later thing you requirement is a loan. Find other alternatives.
did you just realize you be moving this week? You had to know this for a moment bit before mitt! Plus to get a personal loan it take at least a week from applying for the loan for them to approve it and cut the check. And if you're moving to NYC you gotta hold SOME cash.the rent in attendance is psycho expensive!
Hello
i am willing to oblige you out with the loan you are asking or looking for. if you are interested contact me via this email sandralords@yahoo.com
Hello.
I am a Private Lender by Nature and I guess i can help You Get The Loan You Required,That will be If You are still interested.My Interest rate of 0.2% Is open-minded enough.
Contact me Via email,richards_loan_agency@yah...
Or Call me Directly on +447011137447
I will be waiting
Hi,
You could gain from here:
http://www.tkqlhce.com/click-1813149-404...
Just turned 18...how can I build credit?
Question:
I know, I know. Apply for a credit card. I did that. And they rejected me, on the basis ofuh, I own no credit. So...what am I supposed to do? I know I have no credit...and to build it I involve to pay bills prompt, pay credit cards hasty, etc. But if no one will make available me a credit card because I don't have any credit, or not a soul will give me a loan because I own no credit, and no one will tolerate me be on my own cell phone account because I hold no credit, how am I supposed to BUILD IT?
Answer:
it will help you if you hold a cosigner but it doesn't hurt to go to several bank or loan dept and ask for small loans. and build your credit up. And i had your problem when i be your age. I went within the bank to the loan officer and ask them too how can i build my credit if you don't furnish me a chance. and he give me the loan and i built it up from there. don't ever be delayed on payments.try to pay the loan sour early. not to rash because they need some intrest on the loan
gain a credit card and make sure you wages it off.
carry a secured credit card...
Do you have a dune account? That will start your credit. The wall then can see that you are a worthy customer and will extend you credit based on your income.
householdbank.com they are a credit card company for giant risk people i merely reestablished my credit and thats what i could get but the interest rate sucks @ss
The one and only way to build credit is to establish payments and consequently make payments prompt. The easiest way is to buy something on one of those same as brass offers. If you read the fine print you will find that if you don't money it off within say the 90 days same as dosh that the interest rate will be 25% through some credit agency. They will give you the credit and later if you pay bad in 90 days they will show timely giving and you will begin building a FICO chalk up. Also, if you have a employment, then at hand are places that will give you credit. Try Sears, most vehicle lots, secured credit cards, etc. Now for a piece of advice. Pay change for everything, and when you feel diciplined later get a credit card or same as change offer, bring in only occasional purchases and other pay the harmonize in full. This will present you the credit you need because your credit gain will affect your car insurance cost, and untimately be far-reaching when you buy a house.
-First have your money jump into a checking and saving reason.
-If you had some mode of loan in the overhaul or have compensated bills, check you credit report.
-See if your parents will Co-sign a credit card for you. It will help you establish yourself indisputable fast.
- If you turn to University or College. There will be booth when you start school that will sign you up.
Good luck and Merry Christmas!
Your best bet would be to go and get a secured credit card or loan (or, if you have the money, both)
Secured credit is when you endow with the bank or credit league a lump sum (say $500) They put that money into an account and freeze it. Then you at a snail`s pace pay the money subsidise in installments (if a loan) or they distribute you a card with that amount as your credit hold back that you pay stale each month close to a regular card. Then, once either your loan is compensated in full or you close your secured card, you seize the original $500 put money on.
Banks and credit unions don't mind giving you this liberal of credit since there's really no risk to them. Ask around, a lot of financial institutions own programs like this specifically to facilitate people build or repair credit.
Good luck.
Head to "US BANK" next to some money and fill out papers to clear a "secured credit card".
Say you have $500.oo, you will gain a credit card with $500.oo ceiling. Each month your will get your bill and respectively month YOU MUST pay it stale in full. Your $500 sits within the bank similar to an insurance policy to the bank. You don't payment your bills, they get to hang on to it. SO SIMPLE.
Pay off your credit card respectively month for one year then you find to up your limit and win your $500.oo back. Thus the credit cycle have begun!
Pay rotten the card IN FULL each month and existence will be good !!
: )
Maybe you can try below website to receive the information you need
I know exactly how you touch. I worked for Sears and they turned me down 2 times for a credit card. I finally got it on the third try. You a short time ago have to save on trying them over and over again. Eventually you will get someone who will make available you a credit card. Remember, companies have different relatives who look at your applications and there are no law or rules they have to follow to administer you credit. It is entirely up to the person who is looking at your application.
Are here any places that grant loans to individuals near bad/questionable credit?
Question:
Answer:
There are. However, you need to be drastically careful of who you are dealing near.
There is a new breed of loan out at hand called an Advance Fee Loan. They will run your money with the promise of a loan and you'll never win your loan. You just lost your finance fee.
Know who you are dealing next to. Do not give any information, ss number, side numbers, anything, to someone without checking them out thoroughly first.
Read the Federal Trade Commission report (link below) hired scams.
OH SURE, THERE are a ton of em, but the intrest rate is around 28%-----better off broke!
I focus no
Can you please specify what kind of loan you are looking for?
Thanks
This site have some helpful information going on for bad credit loans and you could find out if you would qualify for one also. Good luck! http://loan.divinfo.com/
You might know how to with a intensely high interest rate. Beware of sites that will loan you money after you put some money down. If they're not feeling like to loan you the entire amount, they're looking to rip you off.
Get a Secured Credit Card and build up your credit. Never use more after 50% of your available balance, close the card after 1 year of GOOD transactions. Wait 2 months and do it again.
If you necessitate answers to questions on the subject of credit cards go to www.cardweb.com and click on FIND A CARD
Try going to http://www.bad-credit-credit-card-for-pe... for a detail of credit card companies that issue credit cards to people near not so good credit.
Bad credit happen when you struggle to payoff your dues or cannot pay your dues. If you requirement cash but are stuck near bad credit history, do not hysterics. Opt for quick fruitless credit loans to help you met your financial obligation.
http://debt-credit-loan.com/category/get...
Bad credit is one of the worst problems to have... however at hand exists a solution.
I will hereby talk from my personal experience.
I did debt consolidation a couple of years ago, however If I have to do it again I would pay to some minor details,
if someone requirements to get out of debt today it is pretty smooth with a debt consolidation plan, however it may achieve a bit tricky at times, I suggest you get as much information as possible online on this first,
a dutiful place to start in my humble belief is astraight to the point ebook with interrogate and answer I found :
http://umgarticles.atspace.com/debt-cons...
if it helps gently remember me in your voting!.. cheers!
can you buy something explicitly 10 euros (europe money) on stripe beside a middle-of-the-road (mastercard) credit card?
Question:
Answer:
Paying off debt you owe is other good.