Is it possible to deposit a check that isnt yours?
Question:
I recently sent out a check to my credit card's sandbank. Its been roughly speaking a week and I have on the other hand to see an update on my online statement saying that they received it. For peace of mind, is it possible that someone could own stolen it and cashed it in? Can you even deposit a check that isnt yours? Thank you
Answer:
it would enjoy to be signed by the person you wrote it to
surrounded by this case it be a bank so I don't cogitate anyone else could cash it
most bank will not cash third gala checks, especially one written to a credit card company.
as long as you had your label as the payee on the cheque and crossed not negotiable it would own to be deposited into an account surrounded by the same mark..
if the cheque was payable to change then anyone can currency it.
check with the guard to see if you cheque has be cashed and follow up from there
Some bank will and some won't take someone elses check. I don't devise any will take it unless you signed the rear legs and added your bank report number. It will probably save you deeply of wory if you just provide them a call.
Sometimes it take longer than a week during the holidays. With all of the cameras within the stores and banks it is markedly unlikely that somebody would steal your check and get away near it, but I am sure there are a few morons that would try.
yes, double commend
Hi there, if they do it will be traceable.
So save an eye on your account to see when its cleared.
Hope that help.
http://www.justdoinit.com
You should call your credit card company. Do not continue for them to tell you. Sometimes the e-mail takes a while. But you can alway phone up your bank to end the check or just to see if it have been cashed. It's possible for someone to deposit a check that belongs to someone esle. Someone stole my rebate, which have my name on it previously. Hope this help!
Depends. If its a Cash cheque, any bearer is competent to encash it. If the cheque has a christen written on it then it can lone be deposited into that person's account.
Give them a few more days. If they still haven't received it nickname your bank for proposal.
But yes, you can easily dosh a check that isn't yours.
Where is the best place to check my Fico chalk up?
Question:
I want to get my credit report and hold monitoring on it for a year or so. Where is the best place to do this and how do I do it?
Answer:
www.annualcreditreport.com
You're entitled to one free credit report per bureau per year, so basically you can go and get one every 4 months by spacing your inquiries accordingly. And you don't enjoy to pay a dime.
For more info:
http://financialbasics.blogspot.com/2006...
http://financialbasics.blogspot.com/2006...
Good luck!
https://www.annualcreditreport.com/cra/i...
you can bring a free annual report each from 3 agencies, so roughly you can get 3 reports/yr.
Maybe you can try below website to attain the information you need
fico.com
does anyone enjoy the address for Welcome Finance contained by Dunfermline Fife?
Question:
Hiya does any one hold the address details for welcome nouns in Dunfermline, Fife as i can't find them anywhere.
Answer:
Unit 3,Albany Business Centre,Gardeners St,Dunfermline, Fife, KY12 0RN
If I hold 18 months no interest on a TV at CC how do I buy other things next to the card and not gain interest?
Question:
I have a $3000 credit keep a tight rein on at Circuit City. I bought a TV that has 18 months no interest. Lets voice I want to buy an MP3 player for $120. Does that get interest in the 18 months? If it does if I pay $120 at the extension of the month how do I make sure that go to the mp3 player and not the TV so that I have no interest?
Answer:
Errol,
Cut the card up.
While the TV is no interest, adjectives other purchases made to the card will accrue interest until the TV is paid bad.
When you go to buy it, bring up to date them you want it on the 18 month no interest plan. Sometimes an item has to be over $250 or $500 to do that. What you are describing is a agency interest gets charged.
If the item is not on the no interest plan, you would be better bad paying cash or using another credit card.
Never put such a small purchase on a credit card and money intrest on it. Just be safe near the t.v. and pay change for the MP3 player. They will screw you up! Then you will be stuck paying too much for it.
It sounds like you necessitate to talk to your credit card company to fashion sure they don't charge you interest. I'd suggest doing this even if the only item on the card is the TV. Their 1-800 number should be on the back of your card.
Most credit card companies won't charge you any interest on the MP3 player, if you pay packet in full contained by 30 days.
Normally, if you have a $3,000 constraint and tie up $2,000 on a TV, you should still have $1,000 for other purchases.
I have an idea that i know a finance company which would be proper of assistance for you for sure
check out this website and get your solution...
http://www.loansolutioncenter.com...
You can attain loans at very low interest or no interest rate too ...lately have a look at that website and i am sure you will bring back your needful for sure.
Puneet M
Sometimes the cards are set up so that all payments travel toward the lowest interest item first...so any new purchases will accrue interest at 18% while adjectives your payments go toward the 0% purchase until salaried off.
Don't use that card again unless you are sure of the expressions and that any future purchases can be compensated off first formerly the tv.
How do I check to trade name sure my daughter's SSN hasn't be used by someone else?
Question:
Answer:
If you need a credit report, be sure to use the one and only legitimate site for getting free copies (as mandate by federal law, you bring one free from each credit company per year).
Order her credit report.
Get a free report from the IRS.
ummmm the irs doesn't enjoy her credit report...DUH
Question almost credit report?
Question:
on my credit report i had a credit card charged stale it was removed but in attendance was also a verdict this is listed beneath public records can they do this this is elder then 7 years. also in that is a bill for a cable company and when calling to find out what exacally is the ammount for they told me that because it was within may/03 that they had no road of bring it up when i called the colection agency they couldnt any so my question on this is. if they enjoy no clue why i owe this money do i still have to foot it?
Answer:
No, but it will affect your credit for the rest of your life if you don't. 7 years is solely for bankruptcy and ccc i believe.
if you want your credit report restored this site is great
A pronouncement can list up to 12 years on your credit report even if it is salaried. You can contact the court if it is payed and ask them to notify the credit agencies to let them know that it is salaried or you can send the agencies a copy of your receipts and annals of payment.
As for the cable debt you should dispute this next to a credit agency. You can do this on-line with one of the three bureaus or you can dispute it by post. They will try to locate the collection agency or creditor and if they find that no one have the debt it will be removed from your credit report. That means you do not own to pay.
Sometimes when debt is sold to one collection agency to the subsequent it does get lost contained by the shuffle.
you have to reward it regardless of what they say or your credit vein will be ruin forever; but' it's already ruin because they messed up.
Anyways you should have kept track, this issue is be too long to follow up on. Even if they have the logs they can push away the responsibilities.
My suggestion is for you get unsullied credit cards while you can and use it as much as you can (the more the better) so that you can rebuild your credit otherwise when you buy cars, house, or other big stuff you will own difficult time getting the best lease deals. All your credit used will show up on the system, if tentative creditibility would be considered.
but it's always up to you if you want to reimburse it or not.
http://www.annualcreditreport.com/...
This is the website for the free credit reports you are entitled to by law... Not one of those salary and get the info sites! It will furnish you three major bureau reports, later go into respectively one and dispute the claims, I did this for an alltell bill that was 5x what I owed and planned 3 times under different collection agencies.Then write a note to both the collection agency and the cable company disputing the debt, and telling them they hold only 30 days to resolve the issue or you will not be responsible for the debt!! Keep copies of the post, I didn't, and I had to go back over them all!! It does give support to, I just get a mortgage and they said the disputes helped me, I held my breath adjectives the way up until when my loan closed concluding week!! Good luck!
Sometimes what creditors do is, when they go through a collection agency, they own already charged it off so they can write it bad their books. If the collection agency can't get any money out of you, the vend that debt to another collection agency and that, theoretically, keep the debt alive and resets the clock for another 7 years. A judgement is a court order, so, it may not topple under the 7 year sunset. Whether or not this is a valid debt or not is up to the law of your state, or, if you lived in another state when you incurred the debt, the states law of where you incurred the debt. Since it is already showing up as a charge stale, the last piece you should do at this point is to contact the creditor as, in copious states, this can actually revive the creditors claim to the debt. You may want to consult a legal representative to find out what your rights are and then petition the 3 credit bureaus. After that, it is merely a waiting game.
Improving Your Bad Credit Report: If you hold a bad credit history, check the reason for this report. If the motivation is due to late or failure to pay on your behalf then, start making the payments to the lender and clear sour the debts quickly. Dont put together late payments. If you are not surrounded by a position to pay due to shortage of money afterwards limit your spending.
want a site to receive a $100+ a month?
Question:
Answer:
These are your options:
1)a.d.s.e.n.s.e - try www.a.d.s.e.n.s.eSites.biz
2)Lots of resell products on lots of sites try www.Clikky.com
With loads of media hype or ppc try www.MarketingBuff.com
It all take work though!
Easy!
Opting Out?
Question:
Is it ture if you go to this website, your credit ranking will go up contained by the matter of a couple of days?
OptOutPrescreen.com
Answer:
Opting out have nothing to do beside your credit score.
All it does is preserve the credit reporting agencies from "selling" your information to 3rd parties, such as credit card companies, loan companies, etc.
Its not true that ANYTHING is guaranteed to increase your gain in a couple of days. Because 'soft' inquiries, such as those that result contained by 'pre-screened' offers are not supposed to count contained by your credit score, the singular affect it should have at adjectives is that you won't APPLY for any of the offers you don't seize.
how long does someone enjoy to try and collect on a bounced check? someone call me 3 years next almost one.?
Question:
how long does someone have to try and collect on a check. Some one call me 3 years later trying to collect on a check from "candy sales" I rewarded for this check in brass before my children be able to receive their report cards, i be told they couldnt' get their report cards (in 5th grade) unless it be paid. That be 3 years ago...Now what do i do, they said they don't have any recipets of me paying it..any accepted wisdom??
Answer:
3 years to file suit. After that they are SOL.
90 days, Don't listen to them other morons, they don't know shitt
Pay it again and this time bring a receipt and save it for life.
They can embezzle you to small claims court if they want. If you can't prove that you made good on the bounced check, you will hold to pay them again plus the court costs.
Someone is trying to scam you! Tell them to buzz past its sell-by date!
I would call your sandbank and ask them. I doubt someone could do this after three years.
I would also call this place and request for information them on their booking practices. Three years is ridiculous.
Good luck.
7 years is the statute of limitations on credit issues.
Definately less than six months. I'd voice based on the certainty that it was candy sale, the amount of the check versus the cost it would take them to record collections, wouldn't be worth it.
Each state has different law regarding "worthless checks" within my state it is 1 year. But during that one year they must send you a certified communiqu¨¦ stating that you have 10 days to income for the check and any fees that they charge. If you do not pay inwardly that amount of time. The person the check be written to can go to broad sessions court clerks office and swear out a "criminal summons". The criminal summons does not require you to be arrested, but you do enjoy to be "booked" you do not have to bond out or anything. Generally you are set a court date and you enter your plea. Check the statutes for your state and afterwards contact an attorney. One check for $15.00 can end up costing over $500.00 if you be in motion through the judicial system.
If you got your check put money on ... no problem! If they still have your check and you enjoy no receipt ... big problem. Probably better to compensate again or you will never hear the end of it.
One of the most frequently asked question is whether a debt collector can try to collect on a debt that is more than seven years old-fashioned. The short answer is "yes", but that's not the complete answer to this question.
A. The Fair Debt Collection Practices Act (FDCPA) does not place any boundaries 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 has run.
The statute of limitations - the time during which a lawsuit may be file against the debtor regarding 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.) give rise to the debt; the seven year period refers lone to how long a debt may be reported on your credit report. Check the laws surrounded by your state to determine the applicable statute of limitations for your particular debt.
Although a debt collector may verbs to try to collect on an old debt, even if the statute of limitations have 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, in writing, that they "discontinue and desist" further collection activity.
Continue to collect on the debt after you inform them, contained by writing, that you refuse to compensate the debt.
Three years after the fact someone contacts you contained by regards to a bounced check? That of course sounds very suspect to me. Since (according to you) your children could not receive their report cards until the funds be paid for the candy sale, and under the assumption that they received their report cards, it would appear that the funds be paid. The factor that I don't like is that it took this party or organization to contact you after three years. This would hold been on files as an outstanding AR, then written sour as a bad debt. Did you inquire why it took them so long to catch back to you? After that length of time, this would probably not stand up contained by a court of law as they have not been actively seeking to restore your health their funds. I would indicate to them that it was indeed remunerated in currency, and since their accounting/collections system appears to not be functioning properly (three years to contact you) that the error must be on their part within their bookkeeping.
You are confusing two laws here
The law regulating writing a check with "insufficient funds" roughly apply to criminal actions. You must folder a complaint within "x" amount of time within order to claim damages. Michigan, for example, allows for 3 times the amount of the check surrounded by damages. But if you fail to profile within the SOL you lose the right to claim damages. In Michigan (I think) this time put a ceiling on is 6 month.
However you are still liable to the creditor for the amount of the debt, and that still falls under the average statute of limitations for debts. All they have lost is the faculty to sue for damages.
If I focus I wrote a check to the wrong place how can a ridge investigate checks by entitle?
Question:
Answer:
Use the check number.
Do you have the check number? I'd influence call your mound with your bank info and a check number - they may be able to serve. DO NOT POST PERSONAL INFO ON THE WEB though...that would give someone too much freedom.
Does anybody know what credit gain you must own to be capable of catch approved on american express credit card?
Question:
Answer:
hi
Do not get an American Express Credit CardIt is really not a credit card...you enjoy to pay sour your balance every month...
Get another one.
They look at more than purely your credit score anyways...
appropriate luck
not sure, but a good one
american express is a tough one to take because they expect you to pay your harmonize in full respectively month .. (at least it used to be similar to that, not sure if they changed their policy now)
I am not sure exactly what score you stipulation to get an American Express card but I do know that it is elevated. I curently have a VISA which I hold had for a couple of years and enjoy not missed any payments think lone one late pay by a day or two and I applied for an AMEX and get turned down.
I would suggest contact AMEX customer service and maybe they can agree to you know. Other than that I have no impression what the score you entail would be.
Best of luck getting your card.
Credit Card: If a distrustful harmonize appears on your statement, what happen subsequent next to your credit card?
Question:
Recently to fight a large interest rate on a credit card, I applied for multiple credit cards and did some balance transfers. However, I go a little too overboard while doing this! My credit go together on one of my cards appears minus a specific balance.
How does the credit card company step about this? Is nearby a penalty for excess funds over total symmetry? And does the credit card company compensate your negative go together by say writing you a check?
Please sustain -- thanks =)
Answer:
I hold NEVER been issued a check for an overpayment on a revolving explanation unless I also closed it. When I have inadvertently over remunerated on an account, whether it be for a utility like gas or electric, or a revolving charge close to Master-card or Visa, the overpayment just shows up as a glum balance, and is deduct from the next charge. Some accounts will reimburse you a small amount of interest on such unused balances, usually utilities do this, only just as they do with service deposits. If you want the money hindmost, you will probably have to write or appointment them and ask for it back. More central, remember that if you caused the overpayment within a balance verbs, you now owe even more money to the credit company you transferred the harmonize to than you needed to, and will be paying interest on that balance, so if the amount is significant, you might want to nickname the company up and have them revoke the verbs for the un-owed amount. Make sense?
Typically a negative harmonize qualifies as an overpayment and they should write you a check for the difference.
they'll distribute u a refund
It only means that you give too much money, and they'll probably send you a check or money establish. Make sure you stay on top tof that!
If you closed the Credit Card, they will issue you a refund. If the Credit card is still stretch out, they will keep the money at hand, and apply it to your next charge.
They won't transport you a check until you close the account, it will newly roll on with the cynical balance respectively month.
If you use the card with the cynical balance, it will walk positive once you've used up the amount in your favor. Then, you'll owe them a sum, plus any interest if you owe for more than one billing cycle.
I hold a 599 is that doomed to failure or okay for someone who's 20?
Question:
My credit shouldnt be all that unpromising, I have credit cards and sketch that I never pay unsettled. But a 599 seems so low. What can I do? Is it low for my age or is it mundane?
Answer:
599 is not bad for a 20 year older. A credit score is history of your obligation. It takes into narrative many factor including your debt to income ration and how much credit you have available. Without knowing adjectives the facts I think 599 is apposite for a 20 year old. the great is 850 which is extremely rare.
That is for a while low. Don't worry, I bet mine's greatly worse, and I'm 22!
A 599 is low. You should have a look at your credit reports and dispute anything that's incorrect.
You're entitled to look at your credit reports once a year for free:
http://www.freecreditreport.com/...
I'm 19 and my credit is 790
It's a short time low. I would definitely draw from a copy of my report and review it for accuracy. You can achieve a free one, once a yr, from each credit reporting agency. Transunion, Equifax, Experian
paying extra on vehicle allowance?
Question:
if i am paying an extra $3,000 on my car donation should i have them apply it to the principal or interest?
Answer:
Obviously, against the principal debt. If you're paying it surrounded by one extra payment be sure that you create it an entirely separate payment and speck all over the recompense voucher (or make your own paperwork) that this transmittal is to be specifically applied to the principal amount owed. Don't neglect your regularly programmed payment voucher as capably. I've heard too copious stories about oversights by companies when things aren't clearly spelled out. You might also request an updated projected grant schedule to see what your nest egg may be compared to the original programme (how much interest you've saved if you don't cause any additional balloon principal payments).
Principal.
Apply it to principal to income off the loan rash.
Check to see if there is any cost for early payoff.
it will downsize the principal. If you keep paying extra, you will drain the amount of interest that you pay over the course of the loan. Pay it sour early and squirrel away!
Apply it to the principal. Your interest is based on your principle.
PRINCIPAL! Always!
If you money off the saloon early, you don't hold to pay adjectives that interest.
I believe applying to principal will lower amount in interest rewarded. Assuming they do it that way. I know you can for a house.
Principal - why are you paying extra? Use your interest rate to determine if you are coming out ahead by spending that extra money.
They will apply it to the set off automatically. If you continue to remuneration extra you will save on the interest surrounded by the end anyway.
its other better to be debt free, so pay as much as much as you can as regularly you can, as long as you don't over stretch yourself monthly...always apply do pricipal...never to interestthat would simply be silly
In accordance to law, any recompense you make over and above the monthly sum, is required to be applied to the remaining principal by the lender. This will in turn affect your adjectives interest payments by lowering the interest and will therefore bring your loan to be paid sour quicker. For example, say that you lately started your loan and this will be your first loan payment. Say that your coup¨¦ loan payment will be $310 per month and assume that the entire expenditure is interest. If you make a reimbursement for $310.50, then the $310 is applied towards the interest, and the remaining 50 cents is applied towards your principal. If you verbs to pay an added 50 cents each month, that extra 50 cents respectively month will be applied towards the principal.
Check with your loan papers or lender first, but on most auto loans the principal and interest amounts are already determined, so that regardless of whether or not you reward anything in credit, you still have to pay envelope back the full principal and interest amount originally signed for. As all right, you still need to save making the monthly on time.
If you own one of the other types of auto loans (fewer of these out there) then paying down the principal could drain your overall cost of the loan in save interest. Paying down the interest does virtually nothing to your benefit
After the nouns charges are paid for the month, anything extra automatically go to the principal balance. You don't enjoy any choice.
Do you perceive you should know how to folder ruin on Credit Card Debt?
Question:
are you one of the millions in the world who hold filed collapse because of over spending? bad money regulation? It seems legit adequate for a business to go bust, but an individual who has freshly been on one too heaps shopping spres? I dont really agree. This stems from a particular being that I know who has file 2 times. Not only be she unable to control her spending one time, she bungled 2 times, and still gets offer for new credit cards inside months of filing. Now, if you enjoy filed once and hold shown that you cannot support the line of credit that be given to you then why would companies tender you more lines of credit? I cant get any type of credit due to behind schedule fed student loan payments. Im contained by default, and they dont budge! But even so, get a few credit cards for personal spending and hey if you cant retribution for it, file ruin and we will give you more credit you cant afford! I cant profile bankruptcy on the student loan, and because Im bringing up the rear it will stay on my credit report until
Answer:
No I donot feel that this is a viable alternative for those of us that cannot control our spending.
If it be up to me, credit cards would either be eliminate altogether or they would have to be "prepaid" - deposit $$$$ to statement and then return with credit card - which would eliminate the huge debt that americans are building up.
People refinance their homes to buy expensive SUV's, payoff credit card debt, buy boats, etc.
When the crunch comes and bank start calling in those (unsecured) loans, abundantly of people will dance from rich to poor.
The only style to handle credit cards is to income them off monthly and do not spend over your budget. That mode you get a free loan for 30 or so days. If credit card companies strat charging interest from the tiome of purchase, I will stop using them and compensate cash.
dont abhor the player - hate the team game
You said it yourself the credit card companies keep giving her cards - Who is really to blame?
i agree near you with folks file for bankruptcy for overspending living the lifestyle. I regard as bankruptcy is for difficulty, sudden illness, release, layoffs ect. Not just going out and spend, spend and spend consequently go ruined. i am glad that laws get tighter! Yeah sometimes good populace become late or own high balance to credit limit hold the same score as someone that went insolvent a few years ago.. its BULL. hang within there bud, you will get hold of that pd off and you will be fine. seem like you enjoy good karma!
Check this altenative
http://www.debtfreeafterall.com...