if you get caught near 5000 pounds contained by your article?
Question:
which genuinely wasnt yours by the housing benefits society what would happen and how could you prove it wasnt yours.
Answer:
This may be a long shot but why don't you bear the money in your information and spend it on rent instead of making everyone else pay for you? The benefit relations prbably wouldn't notice that you are sitting on a fortune and reward your greed beside benefit. if the money isn't yiours then why is it within your account? And if it if for one of your children if you hold any, put it in their own report. Don't be a dole muncher.
You can still get that benefit near that much in your rationalization
What else should I know?
If you have just this minute come to Great Britain, please first check extra rules if you come from abroad.
If you live next to a partner, only one of you can seize Housing Benefit.
Unless you are aged 60 or over and receive the guarantee credit of Pension Credit, savings over lb16,000 usually stingy you cannot get Housing Benefit.
Savings over lb3,000 (lb6,000 if you or your partner are aged 60 or over) affect how much Housing Benefit you can bring. From 10 April 2006, this will increase to lb6,000 for all.
There are special rules if you are single and aged underneath 25 years.
If you have come to the United Kingdom (UK) in two years of your claim, this may affect Housing Benefit.
Most asylum seekers and people who are sponsored to be contained by the UK cannot get Housing Benefit.
You cannot usually seize Housing Benefit if you live in a close relative's household.
You cannot usually obtain Housing Benefit if you are a full-time student, unless you are disabled or have children.
We use partner to be going to a person you are married to or a party you are living with as if you are married to them.
Very meticulously
To be honest - I'd put it aside and wait to see if they ever voice anything - no doubt they will eventually but you could be earn interest from it in the meantime
I'm sure 5000 isn't a big satisfactory one off amount for them to be concerned something like they look more at the monthly or weekly incoming and as long as thats not 5000 pounds a month you should be fine.
well if it be in your side you might find it a little difficult to prove it wasn't yours!
Be honest to the visit officer as they can tell a scam a mile bad.
You have nought to worry nearly.
Why would you possibly want to look after 5000 for someone else??
This seems close to a hypothetical question, a bit than a genuine situation.
Why would you own someone else's money in your justification? If that was prearranged, then the approach to prove it would also be known.
From 10th April 2006 the funds limit back housing benefit is reduced is lb6,000, and the upper limit since you get nil at all is lb16,000.
If the sum you be talking around was greater than lb6,000 and you didn't avow it, you would be taken to court, if it was found out. You would after have the luck to prove it wasn't yours.
Hello,
The most important point to work out here in the situation you describe, is that adjectives banks, building societies & financial institutions enjoy to keep a full audit trail (by law) of where on earth payments came from (income sources) and when and where on earth payments are made (outgoings). And thats "the" only entry you need to know, contemplate about the implication and the rest will become crystal clear to you if you take the time to infer about it.
**If the housing benefit society do find errors in your commentary, its totally obvious that they might ask you to payment back the 5K if they reckon it was remunerated out in error or if you enjoy been mis compensated or been over salaried (even if it was at hand mistake).
**Proof of ownership of money is a very difficult nouns but not impossible though. It depends upon the burden of evidence or burden of proof. ie. it can be seen as a legal/financial issue.
IR
Is in attendance anyway to remove inquiries on my credit report.?
Question:
Also, I am willing to pay cheque my debits contained by collections but is there a trick to have them removed? Thank You
Answer:
Yes you can remove inquiries from your report,disputes the older they are the easier to remove.About collections dispatch seize and desist reminder after 30 day dispute.
run to creditnet.com
you do all the work it take awhile but i went fron 450 to 758
Call Equifax - they can aid - Good Luck:)
Yes, you can dispute them.
This company offer the service: http://www.expert-credit-advice.com/cred...
inquiries cart two years to be removed from the date of the inquiry
Credit inquiries take a moment or two more than two-years for removal. For example, if an inquiry’s date is 12/13/2004, some credit agencies (such as Experian) will remove the inquiry until the end of the month. I have an inquiry on 11/4/2004, yet it be not removed until December.
Prepaid mastercards (credit cards)?
Question:
Can I buy a prepaid credit cards to purchase items on the internet or do I need to catch a paypal card..I don't want to use my own Visa/Mastercard. I saw those prepaid credit cards in Walmart that you can purchase for any amount you requirement..
Answer:
Here's an article that will answer your questions:
http://financialbasics.blogspot.com/2006...
Good luck!
yep theres loads, splashplastic depiction, but paypal is good, but pilfer some getttin used-to!
the prepaid cards are cool and resourceful its a way to budget and instill responsible spending plus they cause great gifts watch out for a secured credit card which are completly different you repay a deposit to set credit limit but most remuneration monthly bill with other moneys after those of initial deposit
prepaid credit cards to purchase items on the internet or do U need to go and get a paypal card..U don't want to use Youre own Visa/Mastercard.. u purchase only thinghs that cradit parameter of your cradit card
Why? Put your money into a bank sketch and use a debit card. At least you can earn interest and build credit.
how can I stop to wage the bill for my personal Yahoo.com?
Question:
I have problem for two Bill, from your company, one is from Bank of Amercian, other is Blue bread from American Express, all charge me $19.99, How can I stop this service for my yahoo.com??
Answer:
I would influence look on the site to see where you can retract services. If nothing else, delete your narrative. You can always start a spanking new one.
I remunerated change into express bank and it be not recieved anything I can do?
Question:
tried phoning the bank, not a soul there to speak to this is the royal hill of scotland. I definately paid surrounded by the lb20 to pay a bill at the start of the month and it have not appeared on my statement. This happened until that time and they paid it into my article and never paid my phone bill. This time the money does not even appear on the explanation.
Answer:
Just go surrounded by and show your receipt or ring them and give tally number and they can trace it.
Assumming you used the envleope service you should have torn past its sell-by date a slip on the envelope with a novel reference number on it. The same number would be printed on the envelope and the Bank enjoy to keep the envelopes surrounded by case of query like this.
You will stipulation the receipt they give you when you paid it contained by. Otherwise you can't do a thing.
I don't know what you can do justifiably - but I, personally, would phone the commissioner and let him know that you intend to contact the police as you believe the money have been stolen by a ridge worker.
In actuality, the police probably wouldn't do much (if they even can) but threaten it nonetheless. Bet they sort it out for you very fast.
I thought you weren't supposed to put cash into express bank? Thought it was cheques lone?
That said, I've never used express banking formerly - simply because I don't like the perception of putting my money into a random box. I prefer to foot it over to a real personage.
Do you have proof you rewarded it in to express bank? Someone at the bank must know how to help you out?
Didn't you seize a receipt? That's the evidence you entail. Without that, you have no instrument to prove that you made the payment.
the reception is the only process of proving you paid it within
How do I seize credit ranking minus a card when adjectives 3 credit bureaus want compensated up-front for "monitoring?"
Question:
I don't have a creditr card; adjectives I want is to find out what my credit score is, but Experian, TransUnion, and the 3rd credit bureau (can't remember the entitle of it) all want to be rewarded up front for some monitoring service that I DON'T want and can't afford! All I want is the &*%$* score so I can amount out just what shape my finances are really contained by!
Answer:
You can request your score from respectively company by sending a check or money order. Their address are available at their web sites.The ranking for Equifax is $7.95, and you can get the address by calling 1-8OO-685-1111.
try the free ones
its federal canon that you can get a free credit report once a year
IMO, credit mark monitoring is a rip off, whether you hold 1 card, or 10.
You're throwing money away.
Maybe you can try below website to get the information you necessitate
annualcreditreport.com only give your reports for free, not the scores.
If you want to buy your score seperately you can.
All the others you have to reward for the monitoring service monthly.
This site offers a credit analysis for $29
You win all 3 reports, 3 score and a consultation with a credit pro.
http://www.expert-credit-advice.com/requ...
I did it, loved it..
It be awhile ago, so i dont know if they still offer it, but the page exists so they probably do.
If in that is a replacement of card back 1 month of expiry,what process do we follow 4 card expiry computation
Question:
Can we use TRIAD for this process?
Answer:
I can understand, really this is a big problem. I dont hold the answer right now. I'll look it up. Please dont mind if I forget. Thanks.
I'm trying to achieve a FREE credit evaluation. Is ther any instrument around the 30 year trial credit card scam ?
Question:
I've got the report already.
Answer:
www.annualcreditreport.com
That's adjectives you need. Here's an article that explains how to read your report once you acquire it:
http://financialbasics.blogspot.com/2006...
Good luck!
Get a friend at a bank or mortgage company.
you can phone experian and get you credit win and report in the communication for free. 888-397-3742. good luck
www.annualcreditreport.com
No gimmick, no credit card needed, no 30 day stuff.
The cheapest means of access is by calling the individual credit reporting agencies and ordering it to be sent by e-mail. There is always a levy for the score ( Equifax charges $7.95) but it ends up costing more if you jump through some web site that promises a free chalk up. You can also pay for a ranking at www.annualcreditreport.com, where you can obtain your reports for free - still costs for the score, though.
If you use the 30 daytime FREE trial correctly you will not have to salary a penny. I have done this a few times. You can jump to http://www.myfico.com/ and sign up for the free trial. Your cc is needed, but they DO NOT charge you if you cancel in the 30 day spell. All you need to do is email them prior to the 30 days to withdraw the account. As simple as that.
Not for the evaluation. You can contact your bank, but if they verbs it, the inquiry will be listed as a easier said than done inquiry.
Auto loan pay-off , please oblige...I owe $18,735 contained by auto loan for 60 months(5years term)?
Question:
I want to slice the principal amount owed by making a cash salary of $15000 in the first month of the loan, after i will re-finance the remaining $3,735 for the remaining duration of the loan term.. Will this move affect my credit history negatively?
Answer:
Before you brand name the $15k payment, read your loan agreement and give the name the finance company so that you bring clear on the following points:
What is the prepayment penalty, if any? Will paying $15k rash cause a cost? Will refinancing the loan with indistinguishable lender cause a cost? Will refinancing the loan with a different lender result in a penalty? How much will the prepayment cost be? Any prepayment penalty should numeral into your re-financing decision, along beside the origination fee of the refinancing loan. Do NOT take-home pay "interest payment insurance" on the unmarked loan, if you choose that option. After you weigh these extra costs, it MIGHT be cheaper merely to stay with your current loan.
Second, ask, what happen to your NEXT month's payment after you recompense the $15k? That is: Do you get a few months off until you own to make a standard size transmittal (<--- Don't choose this if you can help it)? Or, Do you income the next month at the usual amount and next pay the loan past its sell-by date months early, and get hold of a rebate of the originally projected amount of interest? (Better).
Third, a refinancing will cause a thorny inquiry of your credit history. It will cost you somewhere between 0 and 10 FICO credit score points. If you shop around for the best refi interest rate, adjectives such applications will cause a rugged inquiry, BUT, in your favor, the Credit Reporting Agencies will consider them adjectives one hard inquiry if these refi inquiries are adjectives within a 30-day length of time. Hard inquiries are 10% of your FICO score. The inquiry will stay on your report for up to 2 years, but its refusal effect will diminish over time.
Making a bulk payment this hasty in the loan will probably not abet or hurt your credit. Although it also depends on the rest of your report how much effect it could have. It take at least 6 months of payments to own any major effect on your mark, anything less it is still too unmarked. It will be very easier said than done to get a 3,735 dollar loan for 60 months. A lot of auto loans hold minimum amounts for specific terms. You will probably attain a 1 or 2 year loan at most.
It is probably better to not refinance the loan but keep your current one. Since you technically salaried ahead of time you should not have to net the standard payment, but a reduced amount to go together out for the 60 months. You should call your nouns company and ask what happens surrounded by that case.
I hold placed this in the source box. There is a fortune of information there and a great free debt administration software program. I bookmarked the site as I return to it often for the direction it offers. I hope this help you.
Hello there, I am Mr chris peter.A legit loan lender.Are you into debts? Do you enjoy a bad credit?Are you financialy down.I furnish out loans at low interest rate of 3%.I give out loan to Business,Auto and personal loan to Men and women who are into Business transaction, I make a contribution out long term loan for three to five years maximum next to your interest in this you can as powerfully tell me the amount you obligation so that I send to you the jargon and condition that is if you are realing interested within getting a loan from me, Loan is given out in Pounds and $US and SGD the maximum I endow with is 5,000,000 both in pounds and $US and the minimum 1,000 pounds and US$ and SGD so if really you are interested communication for more info on how the loan can be transfered to you. There is one Question i have to ask are a serious individual that we cart a loan and pay final after duration with the interest, if you are honest I will trust you because I similar to to do business with Honest ethnic group if you are one you will get the loan near out problem and for your information if you should more loan like $10,000,000m I can contribute only if you are one of these cartigories: Manager of a company A private Holder A broker contained by banks A director contained by any office or company A glorious investor of and compay If you are one of the following you can get $10,000,000US as loan or if personal loan you can request for 5,000-5,000,000 as loan. hope to here from you soon. NAME: PHONE:... COUNTRY:. LOAN AMOUNT NEEDED.sen... these info it is historic. Mind you loans is given to every part of the world solitary if i see you to be honest and will pay fund after duration. If you are interested you have to dispatch the amount you need as loan so that i can afford you the terms and condition on the loan for your information loan are given to every fragment of the world on honest people so if you are honest apply for the loan very soon at cpc_consultant@yahoo.com
Can a minor be charged for a bill and after after that own it show up as a unenthusiastic on a credit report?
Question:
Can a minor be charged for a bill that he/she was insensible of from a surgery that was perform 8 months before turning 18 and next have it show up as refusal on a credit report?
Answer:
to the best of my knowledge, anyone lower than the age of 18 is not responsible for any charges, beit on a credit report, or anything else. this includes anything a minor has signed, as surrounded by general, courts do not consider a minor's signature as binding within any case. best of luck to you.
if is beneath his/her ssn # will show up no matter what, but you can dispute it subsequent, it easy and better to dispute it on-line near equifax.
absolutely no and disagree with it
Medical debts are not reported on your credit reports regardless of age. The collection companies will lie to you and update you the opposite. Just fail to acknowledge the bill and don't worry.
I get approved threw quicken loans surrounded by one hour they looked-for olden two edge statements and departed two years w2 that
Question:
sound right is quicken a dutiful lender or are thay gunna rip me off i give them my debet card info for a 500$ fee
Answer:
I work at Quicken Loans and I can instinctively tell you that you are within great hands and I'm fairly sure you will be pleased with your experience beside us. You have a few question, so please let me explain our process.
The $500 that you give Quicken Loans is simply a good reliance deposit and. all of it is applied to your loan and closing expenses. It will be used to cover expenses Quicken Loans incurs to process your loan application. A big member of it will go to getting your home appraised. As I said, adjectives of it will be deducted from your closing costs, so I assure you that no on is "ripping you bad." Think of the $500 as a handshake between partner.
And asking you to provide past dune statements and W2 forms is standard mortgage industry practice. It's simply a way to confirm your income and assets. All mortgage companies do that.
Please be aware of free to contact me anytime if you have specific question about Quicken Loans. We lift customer service very seriously. In certainty, we have a moto: "Every Client. Every Time. No Exceptions. No Excuses."
And we be a sign of it!
Good luck with your loan and I'm positive you will be smiling with our service and expertise.
I haven't deal with Quicken, but for every motgage I own received, this was the mundane request. This is just proof of income.
The rough and ready that a lender will ask to determine if you can get the best program base on your income and debt analysis is:
1. Two (2) most recent pay check stubs
2. W-2 for the final two years
3. Last two month bank statements for both checking and in your favour bank accounts (copies of adjectives pages)
..and ofcourse they will want to do a credit check to see how you fair near the three reporting credit agencies.
Daisy
Does it hurt to Apply for Credit Cards if you enjoy no Credit History?
Question:
hi, i just turned 18, never have any credit cards, never paid any bills, and i applied online for my wall of america student card, however, i was denied even though i met the testimonial, so i reapplied again online, i was wondering if doing this would bring my credit evaluation down even though i dont have a "credit score" to switch on with.
Thanks surrounded by advance
Answer:
Every time someone does a "tough inquiry" about your credit, it go on your credit report. A "hard inquiry" occur every time you apply for credit. I think you should stop applying for credit and look into doing things that be paid you more credit-worthy, like paying bills and holding job.
Creditors want to know you pay your bills on the dot. That's a good place to start.
At 18, the lone reason you should hold a credit card is for the purposes of charging for things you already salary for (like bills) and paying your balance surrounded by full each month.
Anyway, I reflect on the answer is "yes." Applying for credit repeatedly DOES hurt your credit score.
Every time you apply and are denied, this will bring down your credit rating. I realize that you are not trying to buy a motorcycle, but this will explain within plain terms what happen when your credit is brought up, and that it effects your credit negatively.. Read the part that read not to have your credit pulled excessively. http://www.motorcycleloancenter.com/smar...
Jonathan T know this is true also. We are trying to help you.
no
it will not hurt to applymost credit card companies want you to be approved because ultimately they construct money. although, having no credit is discouraging, because later surrounded by life it will support you out when you buy your first car, house, etc. I would suggest purely applying for one that they send surrounded by the mail. even if you don't ever use it, it will build your credit. later, you can get one at the dune of your choice.
Try to get a card. If one company won't bring you , try another. Keep up with your payments. Buy little things and recompense them off right away. That will relieve you build your credit score.
If you don't hold any credit history and you apply for credit it will not hurt your rating because you don't have any nonetheless. The best thing you can do is win a co-signer like a parent to help out you out with getting a credit card and after you will slowly build up credit history. My parents co-signed for me when I was 18 and I started building up my credit and by the time I be 20 I bought a Suzuki GSXR 750 by myself with not a soul but my credit the bike cost 10K and I got it adjectives on my own. Be smart with your credit and pay envelope your bills on time and you will slowly build it up.
Try to return with a secured credit card first. Use it occasionally and always discharge on time. This will relief build your credit and a good salary history will build good credit.
okay if you want to build up your credit go to your ridge and tell them that that's what you want to do. i don't judge it can bring your credit score down cuz there's zilch to bring down. it's not like they hang on to track of how many times they deny general public cards. i got a card near a low limit simply to build up my ccredit for when i get married. they may also suggest a personal smudge of credit. good luck!
Applying for credit cards would not hurt your credit rating. The one and only thing that could hurt your credit is when you are deferred in payments.
If you be turned down by banks, may be you should try the department store or gas station credit cards. They are sophisticated in interest but are easier to find. Make your payment on the dot. Charge only what you can remuneration for. Once you build up your credit rating, you will be able to bring back bank credit cards.
Check to be sure that adjectives information you enter on line are correct. If so consequently call customer service to find out why application denied.
Tell that you are interested to own one and ask them to get a solution. this is their bearing to make money from clients approaching you.
.
There are various credit cards for individuals without credit history!Well, I get my first credit card about a week ago at http://ezpreapproval.com/bad-credit-no-c... I bought that duet of shoes as my first credit card purchase, and I didn’t allow myself to buy anything else until I paid them past its sell-by date. IBesides, someday I’m going to have to use credit to buy stuff I in fact need, close to a house or a car, so I contracted that my first purchase should be something fun.
how lots digits are nearby on a visa credit card?
Question:
Answer:
Sixteen in four groups of four. It's matching on all credit and debit cards.
i infer 16
16
why you trying to make some? 4 sets of 4 numbers approaching
0123 4567 8900 0000
16 i think ,why? u plannin on doing a bit of number guessing lol!x
i cant remember,but if you hang up on a sec i will go check
first six digits is for Mastercard and Visa cards. the finishing ten digits are the individual account number.
16 digits
16
sixtenn digits are nearby in the credit card
16 which is the number you use to set up direct debit.
really SHOCKWAVE its really down in the dumps u dont have a credit card .its 16.
16
16
There are sixteen (16) numbers.
The first 6 digits of the credit card number are agreed as the Bank Identification Number (BIN). These identify the institution that issued the card to the card holder. The rest of the number is allocated by the issuer, which is the company that actually issues the credit card.
16
Is it possible to HAVE a credit evaluation when you don't even own a credit card?
Question:
Answer:
Yes. If you have nought in jargon of financial standing then it will be impartial towards the low side. You could have a unpromising score if you enjoy car payments or mortgage payments or loan payments that you aren't making even lacking a card.
Yes!
As you have never bprrowed money you will be considered a "credit risk" ie enjoy a bad credit rating. For my first loan I ahd to own a "guarantor".
Yes, it is possible
Yes, some rating agency in US have your record, as long as you own open a dune account, phone bill justification, or gas/electricity account, this will correlation to social security number, so, if you don't enjoy a credit card, you still get credit mark.
There are many ways to own a credit score
Yes. If you are contained by a credit bureau, you have a mark.
Yes it is. You could have student, home, or saloon loans. There could also be accounts which have be turned over to collections. All of those items will also show on your report and affect you score.
How do you start your own Internet Payday Loan Business?
Question:
The business that pays you in 24 hours and convey money to your account?
Do you know any information and how to establish this business?
Do i have need of a licences? How do i find banks?
Answer:
Try the association below. Not quite what your discussion about but close.
I don't know, but specifically a damn good business conception. Good Luck!