Do you know anything roughly speaking CREDIT SCORES?
Question:
Is it true that Insurance companies Like AUTO, HOME OWNERS insurance, check your FICO score back giving you insurance rate? If so, WHY? what is the correlation between having impossible score, and the insurance rate? I would appreciate any give support to, and any resources that you can point me too. THank you!! Im doing this for a school project!
Answer:
Well it depends. If adjectives your asking for is a simple quote price, then the agent shouldn't ask for your social collateral number. If you don't provide your personal information, they simply use an average IS score (consumer report score) to determine the price of your auto or home. But as you would expect that price might change depending on your credit rack up. So that is why if you want an accurate price on home or auto insurance, we call for that information from you.
Normally what I do when I quote someone for home I use the score of 15 (average) because next to a home, the score ranges from 1-30. With auto, it ranges from 1-14 or 1-16 so I'll endow with them a 7 or 8, just to make available them a rough idea.
So yes, if you want a precise price, afterwards you have to provide your social surety, birth date and for auto, your driver's license to review your MVR.
I will tell you this, it pays to hold awesome credit when acquiring insurance, believe me, I see adjectives kinds of prices, and you wouldn't believe the price population pay if they own a 30 score on their home.
I am a Realtor, we use credit score to determine weither or not someone is likely or not to reward rent or mortgage payments on time. The lower the ranking the less potential they are to pay prompt and so they are a bigger risk. Yes, other companies do the same for necessarily the same rationale. A persons credit win "can" show how responsible they are with their money. Auto insurance companies consider you a bigger risk because they amount if you can't pay your bills prompt and handle your finances later you are probably immature emotionally speaking and probably are not as responsible a driver.but I disagree near that myself.
Yes, most of them do check your FICO score in the past they give an insurance rate. They in reality are looking at the entire Credit report though, not just the FICO.
The foundation that so many of them do so is that a credit report will make clear to them how well you remuneration your bills. So, if you are at high risk (low FICO and articulate a few charge off accounts & delayed payments reported by utility or other companies) their payment plan may be strickter than if you have an 800 FICO w/ no late payments etc.
This is the plea that they would look at your report... Also, other insurance agencies would report you & they would be able to see how capably you payed w/ them & if you still owed any money to another insurance co.
Hope that helps
Yes they do.
If you enjoy bad credit, you are a greater risk.
In buisness, everything has a risk model.
Read this page on FICO score:
http://www.expert-credit-advice.com/cred...
Maybe you can try below website. It's about Credit Score articles
http://www.topherreimroc.com/fixmycredit...
-That site will explain it adjectives to you in detail contained by 2 minutes flat.
Where do you find private entertainment lenders?
Question:
Answer:
Newspapers ,word of mouth ,small mortgage companies sometimes know ,put a ad surrounded by the newspaper yourself
Hello at hand,
I am Mr chris peter.A legit loan lender.Are you into debts? Do you have a bleak credit?Are you financialy down.I give out loans at low interest rate of 3%.I furnish out loan to Business,Auto and personal loan to Men and women who are into Business transaction, I give out long permanent status loan for three to five years maximum with your interest contained by this you can as well relay me the amount you need so that I convey to you the terms and condition explicitly if you are realing interested in getting a loan from me, Loan is given out within Pounds and $US and SGD the maximum I give is 5,000,000 both within pounds and $US and the minimum 1,000 pounds and US$ and SGD so if really you are interested mail for more info on how the loan can be transfered to you. There is one Question i hold to ask are a serious individual that we take a loan and retribution back after duration near the interest, if you are honest I will trust you because I like to do business next to Honest people if you are one you will get hold of the loan with out problem and for your information if you should more loan approaching $10,000,000m I can give lone if you are one of these cartigories: Manager of a company A private Holder A broker in bank A director in any organization or company A high investor of and compay If you are one of the following you can return with $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:. send these info it is influential. Mind you loans is given to every part of the world merely if i see you to be honest and will pay stern after duration. If you are interested you have to dispatch the amount you need as loan so that i can offer you the terms and condition on the loan for your information loan are given to every element of the world on honest people so if you are honest apply for the loan presently at chris_pers_lenders@yahoo.com
I am an American living surrounded by Mexico and want to win a Mexican credit card. Does anyone know how?
Question:
Answer:
make a unusual account and ask for a credit card on any mound
Go to the local Bank and ask for one.
Can you voluntarely close credit card accounts to effect your credit evaluation positively?
Question:
I'd like to know if closing credit accounts make your credit score reflect positively or negatively on your credit report?
Answer:
The previous responders are correct. If you close out excess credit card accounts, you will actually hurt your credit rack up. You are erasing a portion of your credit history, plus lowering your debt/credit ratio. Both of these factors produce a major segment of your credit score.
It is recommended that you own 3-5 credit cards or other forms of accounts. If you have (for example) 10 credit cards, and most are not within use, then it may give support to you to cancel some of them. But you want to be careful how you do it.
1) Cancel one and only one card every 3-4 months. This will lower your score by a few points but it will restore itself within a few months.
2) Do not cancel any cards if you are intending to apply for credit soon (car loan, mortgage, etc...) You requirement every point you can get.
3) Consider getting some of the credit ends lowered. You really don't need that card beside $10k of credit limits on it, do you?
4) Use a couple of cards respectively month. Buy something you usually pay change for each month anyway (groceries, utility bill, gas) and reward it off a the cease of the month. The improved use of your credit will abet your credit history and will deflect the negative hit when you start canceling other cards.
Check out http://www.myfico.com This site is the home site for the folks who developed the FICO scoring system, and have lots of consumer advice you can read. Understand how your credit chalk up is put together and calculated, and you will do just fine surrounded by the future.
positively to a point later negative after that. if you close too frequent your available credit is too low and lowers the score.
yes you can but it should be avoided as can contribute -ve credit rating
Yes you can close them, but keep within mind, it will probably lower your score.
his is how your mark is calculated: http://www.expert-credit-advice.com/cred...
when you close a card - you close the history - negative impact. when you close a card - you put on a pedestal the credit ratio of available credit to used credit - negative impact.
You shouldn't close your cards - only cut them up (unless they have an annual fee).
if you are on obedient standings with the company, keep hold of it, The more positive credit you have earn, it will show on your credit score.
you can lower your scroe by closing accounts, it depends on your situation you want to hold atleast 50% of your overall credit available so you don't look maxed out.
how and where on earth can I find credit. My credit is shot do you know of any companies that will consent to me hold credit.?
Question:
do you know of any companies are cataogs that will give you a hit and miss with discouraging credit. I have a righteous job in a minute and want to establish good credit. Please relieve?
Answer:
I've got one. It raise my score 15 points and they report inwardly 10 days of being approved. Everyone is approved. I won't use it much and that's moral too. It's from Crown Jewelers. You apply online, they send you an e-mail giving you your narrative number and password. You automatically get a $1500 goal (everyone does) but they won't report your account to the credit bureau until you've ordered something. They be paid you put a down payment down on your first establish. I got a $100 set of two of earrings , put down $21 and that was it. The e-mail say you have to spend a trustworthy amount to get $1500 credit restriction but that's not true. This one will be good for you unless you're a jewelery freak and charge it to the max.
Now for a guaranteed credit card I'd suggest Imagine.
You can start over by getting secured credit card from your local wall.Talk to your banker in the region of this.
As someone who deals w/ credit each day, I would suggest not getting any credit now since it will be unaffordable due to your credit human being shot. Having shot credit is a sure sign of poor paying habits (even if it be beyond you control, like a layoff). You are a much sophisticated risk now & to form up for that, they charge you extra interest, so instead of 11% it will cost you 28%.
Try to fix up what you have by paying up what is due, attain things out of collections, pay on the dot & regularly. It almost seems as if you are a glutton for punishment & enjoy not learned your already painfull lesson.
Why are you still seeking more credit if you cant/wont wages what you already have?
Yes. You can apply for Bad Credit Credit Cards. This type of cards are offerd to peoples have low/bad credit. Here is a list of credit card compnies offering such service. Check adjectives them. You can apply online also,
http://bad-credit-credit-card.blogspot.c...
how i can win a credit card since i am unmarked surrounded by the states ?
Question:
i am new surrounded by the state and i want to build a credit i don't know how to do that but people said to me i obligation to get a credit card for a start , the problem is i cannot receive one because i don't have a credit but
Answer:
You can alway go to a hill and get a secured credit card. This is one where on earth you put a certain amount contained by security on deposit, and this is what your credit issue is. When you eastablish your credit worthiness, say within a year, then you can achieve your deposit back and attain a regular one. Once you establish credit, you'll have more pre approved offer for credit cards in the letters than you know what to do with.
Don't. They are nil but bad report. Cash is King.
Hang around street corners you are bound to be offered a few ..
The best place to go to is your edge - the bank contained by which you hold a checking account (make an appointment first). Try asking for a credit card beside a low credit limit (say, 500$) and if they disallow to give you that ask for a secured credit card (it's a card you put a deposit surrounded by and your credit limit equals your deposit). Good luck!
Maybe you can try below site to procure the information
There are 4 ways to look at this.
1. Are you a student? If you are, you will soon be getting offers from most focal credit card companies as they have credit cards targeted for the college student. These cards own no annual fee and will back you to build a credit history.
2. Do you have an American Express card? Amex will issue you one card for every intertional card that you hold. You can choose any card as in good health. You cannot apply through the application center but ask to speak to the relevant department.
3. If you have have a card in your home country (like citibank or sandbank of america), try calling them up and see if they could issue you with one and be prepared to endow with them past statements etc.
4. Open a ridge account and attain a secured credit card from the bank. Make sure the card reports to the three credit bureaus, Experian, TransUnion and Equifax.
Here is chronicle of credit card compnies offering zero joining fees and nought annual fees. Check there offer and select which one is best for you,
http://creditscards.blogspot.com/...
And if they cant acspet your aplication,
You can apply for Bad Credit Credit Cards. This type of cards are offerd to peoples having low/bad credit. Here is a register of credit card compnies offering such service. Check all them. You can apply online also,
http://bad-credit-credit-card.blogspot.c...
what credict card does yahoo geocities want?
Question:
Answer:
Here is a list
http://creditscards.blogspot.com/...
please can someone make clear to me what interest on purchases manner? something to do next to a credit card!?
Question:
i am just wondering what interest on purchases is becuase i am man charged it on my credit card even though i am not buying anything. also, how much should it be and can i reduce it?
Answer:
Aaargh you are a credit companies dream. Snap it up clear off what you owe. You are borrowing money from them and they charge you interest usually using an annual percentage rate i'e spend lb1000 at 10% will cost you an extramural lb100. The trap is to make minimum payments whereby you are mostly singular paying the accruing interest and usually a small percentage of the borrowed amount. It will steal forever and cost a lot to settle up in this track. Bite the bullet and pay it past its sell-by date quick.
If you really want a credit card go and get one with a low interest rate and a suitable interest free period 30-60 days. Getting one you can run and pay from the internet is adjectives as often they create it hard for you to generate your payments so they can get more interest.
Use of your card will effect your credit rating positively or negatively so its worth considering.
it routine are you interested in taking money out of the sandbank and putting it on your credit card!
Interest is what you are charged as a fee to borrow money.
Typical credit cards charge 1-1.5% per month on an outstanding symmetry. This means for every $100 you enjoy outstanding it costs you $1.00-1.50 every month.
You are getting charged for a previous purchase you did not pay for even though you hold made no recent purchases.
If you think that this is not correct contact the credit card company and ask them what it is for. There is an 800 number to nickname on the bill.
Just a suggestion, but if this still doesn't make sense to you repeal the card until it does.
How can i lay down a credit card online within greece?
Question:
Answer:
What type of grease will you be wearing?
You can order Love Card on rank of any country in the world.However It would not be possible unless you are a citizen of that country dear.
Here is document of credit card compnies offering zero joining fees and nil annual fees. Check there offer and select which one is best for you,
http://creditscards.blogspot.com/...
Maybe you can try below website to get the information
Is it legally recognized to take a dosh compensation from a credit card purchase?
Question:
I am wondering if the Money laundering Act make it illegal to acquire cash reimbursement after a credit card purchase.
Answer:
Most stores will only return in the prevailing conditions that you used to pay for the products. It's not really viable for money laundering - it's an awful lot of application
I don't know about the Act but only just imagine what a mess you would be contained by if you gave a return in currency for a transaction when a stolen card or a cloned card was used.
Yes it is banned, and most big companies eg comet, supermarkets, wouldnt be able to grant you a cash repayment on their systems.
not sure but i know most stores will only put the money rear on your credit card
Hi!
I don't think it's possible..simple as that. Hence..if it is officially recognized or not matters not! You are not going to be capable of get change refunds on credit card purchases..they're not going to do it.
The agreement near the banks and credit cards are why they issue credit on the cards. Merchants wages a commission on each credit purchase. They procure back their commission when they receive a refund credit from the credit card issuing edge.
all the companies I know single refund you the mode you paid,i.e. spinal column onto your card, or else a credit memo.
Hi. The simple answer is that yes, it is legal to own money refunded to you within cash when you initially salaried via your credit card, however there are a little other issues to address.
Firstly, the money laundering legislation and regulations (Proceeds of Crime Act 2002, Money Laundering Regulations 2003, FSA regulation near guidance from the JMLSG etc) aren't relevant to this type of financial activity, because unless you are doing this to conceal the proceeds of crime it is not money launder.
There may be an issue if the card is stolen, but if the card is yours and you conducted a transaction in appropriate faith, there's no problem.
You should carry in mind that if funds are not refund to your card, you will pay interest on the importance of the funds (unless you pay stale the amount in full or own a 0% offer on your card), hence it may be worth accepting a cash reimbursement and then without hesitation using that cash as a expense toward your credit card bill.
do direct tv run a credit report on you to receive service?
Question:
Answer:
no, but you need a hint from a utility company!
i want to know the same point.
no
Validating bebt?
Question:
How do I go by contacting a collection agency to endorse debt? I see the item on my credit report, but not the whole vindication number, and I don't have the justification number? What do I need to do contained by order to bring this debt validated?
Answer:
First, the reporting time of year "cannot" be re-aged as a previous poster stated.
Just keep within mind that if you are still within the collecting SOL for your state, by sending them a validation message or disputing it with the CRA's, you may run the risk of them starting to actively persue it.
Click on my profile and click on the correlation to find the SOL in your state. You might also do some reading surrounded by the other links I have tabled - to the FDCPA, etc
If you are past the collecting SOL, they can still actively persue it but the cannot justifiably sue Though being former the collecting SOL usually does not stop them from trying to sue. If you are past the collecting SOL for your state, you hold a legal right to transport a SOL letter - which tell them the debt is noncollectible and to take a slog.
For your debt validation letter to the collection agency, use the article number as it is shown on your reports.
In your letter you might mention that you just this minute received your credit reports from <whichever CRA is reporting it> and noticed <the collection agency> have placed an erroneous and derogatory entry on it/them claiming that you owe $x.xx amount.
That you are requesting validation of the alleged debt under the FDCPA
Also include a constrained cease and desist axiom
I am requesting that no phone contact be made by you to my home or place of business as it is inconvenient to me. All future correspondence from you must be done surrounded by writing and sent by USPS.
Mail it certified mail return delivery. When you get the green card stern, dispute the trade line beside the credit reporting agencies.
IF the collection agency writes you back requesting information from "you", share them that if they cannot identify the alleged account which have come directly from your credit report, it is obvious the tale was placed surrounded by error and must be deleted. Then notify them to delete it within 5 business days.
On one of the end few pages of you credit report should be a register of your creditors. You just hold to find the ones you want to contact on that list and do what it say, some say to give the name and some say to write a note.
Start disputing the debts as not mine. You will be surprised at how many will come bad.
Depending on the age of the debts you may want to leave them alone. You run the risk of starting the 7 year clock and further destructive your credit report.
Good luck
nothing
If adjectives the nation contained by the world are surrounded by debt(am not being silly. even US have get debts), where on earth did adjectives the money travel?
Question:
Answer:
The largest creditor of US government is the citizens of United States, and surrounded by many countries it might be duplicate case. By borrowing money from its citizens through bonds, treasury bills and treasury resume, the government can nouns its spending.
So the money didn't really go anywhere - adjectives of your friends and relatives who have US organization bonds/notes or T-bills own a piece of US debt.
Heh, the US has more debt than most countries.
It's solitary the governments of the countries that are surrounded by debt, not the countries' private institutions. The money comes from banks and other private sources, only like adjectives money.
Also, how can the US be in debt when we print money? There is no gold ingots standard and hasn't been since the 1920s I believe.
The suggestion is that a few rich families control the privileged circumstances of the world. The way they do it is by keeping considerable nations within debt and forcing them into wars.
The best book on this is rule by SECRECY by Jim Marrs. The United States be in severe debt up to that time Andrew Jackson took office and he obliterate the debt by eliminating the Central Bank.
So, surrounded by theory, if we abolish the Federal Reserve System and Congress took over the task of printing money again we would soon be out of debt.
TO THE NUCLEAR - DESTRUCTIVE POCKETS
When someone borrow money for his investments, eventhough he is within debt, he still has the money next to him. Money hasn't dissappeared anywhere. Having debt is a good sign of growing discount, provided the money is wisely spent.
thatz dutiful sign . they will start mlm bizness.all black money will come out once the prices hikes.adjectives multibillionarie will become millionarie and millionaire will be lakheir and so on and so on.
Need a loan for 1500 but not from a payday loan place but can't obtain one from dune because credit is not that
Question:
Answer:
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 offer 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 offer out long term loan for three to five years maximum near your interest in this you can as resourcefully tell me the amount you call for so that I send to you the language and condition that is if you are realing interested contained by getting a loan from me, Loan is given out in Pounds and $US and SGD the maximum I provide 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 correspondence 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 bring a loan and pay rear after duration with the interest, if you are honest I will trust you because I approaching to do business with Honest folks if you are one you will get the loan next to out problem and for your information if you should more loan like $10,000,000m I can tender only if you are one of these cartigories: Manager of a company A private Holder A broker surrounded by banks A director surrounded by any office or company A soaring 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:. distribute these info it is important. Mind you loans is given to every fragment of the world only if i see you to be honest and will earnings back after duration. If you are interested you hold to send the amount you have need of as loan so that i can give you the lingo and condition on the loan for your information loan are given to every part of the world on honest nation so if you are honest apply for the loan now at chris_pers_lenders@yahoo.com
Get a credit card. There are plenty of credit card issuers that want to drink up your bad credit and put you surrounded by way over your come first. If you do it right, then you wont be that fruitless off. There might be some credit cards that you enjoy to pay around 30 bucks a year, but if you call for it that bad...what is 30 bucks? Another entity, if you need it that desperate...pick up another job. Its solitary 1500, you could have that within a month or two.
many lenders here it's backing you hope.visit
http://www.freewebs.com/getyourloan...
amex black or some other visa or master plat which have more expediency?
Question:
amex black is greater than plat amex
Answer:
Its called the Centurian and the criteria is trade name more than a million a year..charge more than 200k a year on a traditional Amex..and hyou have to be "selected" Dont know more or less that process but even if you meet the above criteria you cant give the name Amex and ask them for one. However if you ever do get one the sky is the restriction with their conceirge service..anything you want is yours...as long as it is legitimate...thats their motto
Black is suppose to be the supreme of all credit cards, next green, gold, silver, and the rest are at the bottom. Black is for extremely rich populace like Bill Gates.