Question nearly California consumer protection?
Question:
A plumber says I owe him money. I enunciate I don't. Aside from taking me to small claims court, what action can he bear? If he refers this to a collections agency, will that show up on my credit history? Someone in another state said yes, totalling that I would have to progress to court to show that I was surrounded by the right. I don't know if this is true in California. If so, it would be more hassle than it's worth (about $250 surrounded by dispute) -- and besides, what if I lost in court? I'd be out $250, time within court and have a dog-eared credit rating. Seems to me that, just 'cause someone say you owe them money, it doesn't make it so. But law can be pretty goofy, too. Someone's advised me to rebuff the billing statements, and possible collectors' calls. But I don't want my credit history ruined.
Answer:
It necessarily comes down to this. If he did work for you and you did not pay him you owe him for it. He should enjoy a signed estimate from you that says you approved the work. If it be verbal it will come down to your word against his. If this plumbing chore was inside it will be like mad harder to say you did not approve it as someone would enjoy to have tolerate him in.
Now if you are disputing the ability of the work that is something different and you would hold to make your crust in court as to why you don't owe him.
Ask him for the paperwork of what he did and who approved it. If he can't provide that afterwards let him pinch you to court and counter-sue him for lost time from work. If he truly has no proof you will prevail and could possibly take your counter-claim.
He could send it to a collection agency and depending on how big of a company he is he may or may not. If it go to a collection agency it could be put on your credit report. However, if he takes you to court and you prevail you can own that item removed. If you loose it will probably be on there for 7 years.
If you deduce he has any shield, you might want to offer to retribution a portion of the bill, such as if it includes parts as well as labor present to pay for the parts. This road he at least get the money he had to retribution out for the parts and may be willing to settle.
He can place a mechanics lien on your home. This could wreak problems if you were to refiancne or get rid of.
i am looking for a free credit check beside no strong views sign up?
Question:
Answer:
check out annualcreditreport.com. You can get a free credit report from the three leading Bureaus annually.
www.annualcreditreport.com
it was created by adjectives three bureaus after the US Supreme Court orderd the bureaus to create something that would give the public easier access to their credit report.
www.AnnualCreditReport.com
Credit card...?
Question:
yeah... how amy numbers are on a credit card.. and can you give me a all over the place ex.? ty!
Answer:
Visa and master Card have a 4-4-4-4 (16 number) format beside the first four indicating the card co it is from. American Express has a 4-3-3-5 Setup (15 numbers)
XXXX-XXXX-XXXX-XXXX (Visa MC)
XXXX-XXX-XXX-XXXXX (AmEx)
16.
Normally, 16 on the front
16 number have a credit card. read all information more or less credit card at: http://www.credit-card-gallery.com/artic...
whats a soft hit on a credit report?
Question:
Answer:
a soft hit on a credit report is when a credit record is requested short the consumer applying for credit.
example: when a consumer pulls his or her own report.
or when a insurance company requests it for promotional offers.
a soft hit does not lessen your score..
find more info here: https://www.expert-credit-advice.com...
A soft hit is within an inquiry which was from the consumer or for a pre-approved donate. It does not affect your score.
how long does it help yourself to to draw from a repayment put fund on you debit card?
Question:
Answer:
minimum: 5 minutes
maximum: three weeks
average minimum: next business afternoon
average maximum: two weeks
I've waited up to two weeks.
Usually between 24 hours to 5 working days.
It depends on the company making the settlement... but I've waited no longer than 2 days.
on average, a 'credit' to your debit card take just as long a 'debit' on your card. but it does depend on the merchant or store thats processing the transaction.
beside some banks it can whip up to 10 BUSINESS days! crazy isn't it??
where on earth can i get hold of a visa grant card?
Question:
Answer:
Most banks give such gift cards. I don't know if here is a National City bank within your area, but they provide them.
visa.com
http://usa.visa.com/corporate/mid_size/p...
Simon malls carry Simon Visa contribution card that can be used anywhere. Just stop by the mall info center to buy one.
Go to explore and ask for Simon Malls they have the visa contribution cards.
banks that enjoy visa credit cards have visa contribution cards you must go to the ridge to get the card
I basically found out that 2 of my credit cards dont report my positive sum transcript. Is here anything I can do?
Question:
Answer:
You can send a message to the credit reporting agency requesting that they add a source of credit to your history. Include adjectives of the info, such as company, account number, etcthey will verify this information. If it's verified they will tag on it to your reports.
It may be possible your credit card only reports to one credit bureau and not adjectives three. Check with other ones too, and if they really don't report to anybody consequently don't use the card!
debt beside citicards, want to foot rear not sure the best route to...?
Question:
I owe citicards about $7,000 on two different cards. Im at the point where on earth I can start paying back but im not sure who to contact, as i havent recieved a statement from them contained by over a month and I didnt keep files.(now I realized I should be keeping history of everything!) this has gone to a collection agency, since its two years behind the times.
Is it possible for me to call citicards directly to arrange a plan for me to earnings them off or should i only wait until my subsequent letter and work beside the collection agency? does anyone have any experience near paying back a debt beside citibank? Also, I have don't know what number to ring up or address to send a dispatch for citibank if I decide to try to work things out beside them directly. thanks surrounded by advance.
Answer:
You should beckon citicards right away. You can find their information on www.citicards.com. Tell them that you have every intention of paying your debt and you're in a minute in a place to do it. Ask them if they could possibly lock surrounded by a lower interest rate for the amount that you owe (as opposed to the 20+ percent that you're probably getting now) and arrange for a monthly settlement plan. It's going to take time to amend your credit report, but it's a step in the right direction.
i cogitate my SS card is man used by someone else.?
Question:
Answer:
There are any things you can do to stop this from becoming a problem.
Read this page and you will find all the resources you involve to prevent and sto ID theft: http://www.expert-credit-advice.com/iden...
Contact the police without beating about the bush.
Contact the Social Security Department as soon as possible.
http://www.ssa.gov/
report it 2 the police and they should hepl u!
request a credit report from transunion and call the social deposit office
It is not that odd for more than one person to be using duplicate SSN. However, only one of them is using it officially. I do trace searches using SSN's. It have happened plentiful times that more than one identity comes up on the search for a SSN.
Contact the Social Security Department and advocate them of your consern.
They can help.
_____
Social Security have a toll-free number that operates from 7 a.m. to 7 p.m., Monday through Friday: 1-8OO-772-1213. If you hold a touch-tone phone, recorded information and services are available 24 hours a light of day, including weekends and holidays. People who are deaf or hard of audible range may call our toll-free TTY number, 1-8OO-325-0778, between 7 a.m. and 7 p.m. on Monday through Friday. Please enjoy your Social Security number handy when you call us.
The best entry is to confirm this. To do so call up the 3 through credit companies, TransUnion, Experian, and and Equifax and get your credit report. You can grasp these reports free once a year. They have websites you can also acquire more info on. If someone is using your SS# to get a loan, credit card, or anything close to that, it will show up. Hopefully you are wrong but if you do find anything suspious, contact all 3 credit companies and they will minister to you show how to stop whoever is doing it. Also you will want to contact the local city dept that issues SS cards and let them know what is going on. You may be capable of save yourself seriously of headache and frustration by doing these things immediately. That approach your credit and name won't be ruined.
Contact the police, the social collateral administration, the FBI and adjectives three credit card bureas. Get all three of credit reports and study them scrupulously for any inconsistencies. Vigorously pursue any wrong information and work to acquire any account that you did not authorize taken bad your record. Let the credit bureaus know that you don't want anything more open with your social warranty number unless you give your express go-ahead.
Anyone know how to facilitate us obtain out of credit card debt w/ no strings attached?
Question:
Answer:
Simply pay the bills no strings attached. Have no money, go what you purchased, if you purchased junk afterwards get a second work and stop buying junk next to money you do not have.
If you enjoy more than one credit card, pay stale the one with the smallest go together first and then progress to the subsequent one.
Stop ALL unnecessary spending. You must be honest with yourself. No speciality coffees or buying lunch. Bring your own lunch instead. Deny the children when they pray and explain why even if they do not understand. Sell your house if it have a large monthly recompense and find accomonodations more in column with your finances. For Christmas, explain to your relatives that you love them but that you are determined to be free of debt. Ask them not to endow with YOU gifts unless they make them themselves and you do matching. People appreciate edible goodies to serve over the holidays that they do not own to make themselves!!
Stay focused on how HOW GOOD AND FREE you will touch once you are out of debt!! Once out of debt, start paying the money to yourself in a funds account that will eventuallly be at lowest possible 3 months and maybe even 9 months of your gross in satchel you are laid off. That will relieve a LOT of anixiety! Good luck!
jom and rhino own it right !
start smallest bill first makes unbeaten easier.
advance to subsequent bigger bill to have swift wins.
go anything not of blood kin, you can allways buy it back near cash when debt free.
if you get car loans - get rid of them , buy cash cars.
win 2 more jobs and any kids over 16 put them to work (this experience will save them from debt slavery).
pay food , utilities and house bills first.
clear car expenses afterwards work on bills.
no matter how much they try to startle you , they will not come to the door and beat you up.
stop by daveramsey.com to find out what the bankers DoNot want you to know.
go beside knowledge not opinion
It depends on a variety of factor.
If you are current, you are best off by lately paying as mush as possible.
There are no "no strings attached" debt programs out there.
Are you historic due?
If so, I recommend settling your debts.
Here is a good company that simply charges $100 per month for up to 10 accounts, which is very cheap within comparision to the other companies in like industry. http://www.expert-credit-advice.com/debt...
Pay your bill own your own and don't use a credit agency,no strings attached.HEY as the old timers use too influence you wanna dance youll own to pay the squirm player.INother words you partyied hard immediately its time to pay the bills.
Bounced Check?
Question:
My wife wrote a check that bounced due to unforeseen circumstances. To create it short, it was turned over to collections surrounded by Washington State, Clark County. She was the primary on the explanation but I was added several months since the check or collection action. The collection management was against me and not her. It's on my credit report and not hers. They deal with her (signer) but never pursued her for collections. It be paid past its sell-by date in full on 11/2005. I call the collection agency to find out why they went after me and not the soul who wrote the check. I was told because, "your the man, you’re the primary on the checking article, I am not, because we had your SSN, because WA state is a community property state. Can they discriminate similar to that just because I am a man?
Answer:
As long as it be a joint picture, they can collect from either or both of you. It may not be far, but it is trial. BTW, the answer you got from the collection agency is bogus.
you expect them to work fairly and plausibly? they probably realized it be a mistake and made some crap up to cover their butts. it should be on the primary account holders register. unfortuantely if its not then adjectives you can do is submit a request in writing to enjoy it investigated -- don't expect phone customer service people to do anything.
Since it is a integrated account, they can try to collect from both explanation holders. It is not fair to you, but the guard wanted their money and be in motion for the deepest pockets.
Check-out this website for more information on bad check law...
http://www.creditmanagementworld.com...
Will my credit ranking be in motion down?
Question:
My ex had added me onto his credit card and it have a really high factor with a massively low balance, so my credit ranking went up. Well, I merely canceled the card b/c we broke up will it now jump down? Or do I have to engineer a late expense or something for it to go down?
Answer:
Your credit rack up won't be affected unless you label late payments. You're okay.
Good Luck!
if you stop making payments it will mess you over.
capably my sister use to work for credit, and she said that if you close or cancel the reason YOURSELF, that is dutiful. As long as you cancel or you close it yourself, you are righteous. You will be in perfect standing for that credit. Here is a website that you can look at your credit report for free, and this is for real no obscured cost. It gives you your report right away.
Hmm, if I embedded your question, it be not about unpaid payments, it was more or less whether having a elevated credit-limit card was beneficial to your credit rating or not.
Although I doubt your credit rating will be artificial as it was not your card - if you do direct to get a dignified value credit card and retribution without go wrong, it DOES seem to be beneficial surrounded by building a good credit history - which surrounded by turn CAN influence a lenders decision.
In short, it may be a plan to acquire a card IF you are able to bar it carefully - and to use it for purchases that you would receive anyway - and then clearing the stability off surrounded by full every month. If you have the willpower to merely use it like that, it can QUICKLY make higher your credit rating as fast settlements contained by full usually results in increasing credit confines. In turn this makes it easier to apply for more cars and more services.
One of the techniques used for "credit repair".
Your mark will probably go down.
http://www.expert-credit-advice.com/cred...
There are 2 ways it MAY affect your chalk up. By reducing your available credit, it could affect your debt to credit ratio. If you have elevated debt relative to available credit, your score may move about down. The other factor is average age of accounts. If the accounts closed are older than accounts that remain uncap, it will reduce the average age of you uncap accounts. This makes your credit history appear shorter. I don't know if any of these actually applies to you.
Credit Card Debt, a exposure to the reduction?
Question:
With Double Digit house price increases over and with prices within decline, this may make home equity loans more difficult except impossible to the many who use them to settle off maxed out credit card debt ... to next start charging again.. ...Will this cause even more decline in home prices slowing the cutback and an sharply increase foreclosers and bankruptcies?
Answer:
Yes. We are contained by a Cause and Effect economic cycle.
I live surrounded by the North East part of the USAHome Prices are on the way out. Reason: Mortage rate increases by the Fed Reserve.
Credit card debt is at an all time large. Some studies claim that the average Home is as much as $70K in debt...over and above their home mortage.
I not long paid bad 3 credit cards with 18 and 20 percent interest rates. After discusiing these rates next to the accounting customer service people...I academic the following:
People were using their credit cards to purchase gas so that they could drive to work. Not a surprise to me at adjectives.
Many credit card companies are now charging up to 28 percent interest to cover defaulting customers.
The safest place to aquire a credit card is from you Bank .provided you have a obedient account in attendance and you have a well-mannered credit rating.
In this econpmy, Most Banks will still make great profits, even if credit card holders defaulting.
The cost of Living Index excludes Energy costs, the last time I studied that index.
So, If we factor contained by Heating /cooling costs and gasoline costs we are in dire straits for the middle income family.
One rule of economics is: 18 months to get into a recession18 months within the recession and 18 months to get out of the recession and prosper. That is why no president during a single residence can readily reverse an economy is approximately 36 months.
My personal belief is that our economy "Tipped" when we have gasoline prices of over $ 3.25 per gallion. That gasoline price had a "domino effect" on adjectives other energy costs.
Great press and I hope that my thoughts helped. Chow
Yes, short a doubt.
But similar other dangers lurk surrounded by the economy as resourcefully:
1. Exotic mortgages are very chancy.
2. 401k system is insufficient to support retiries.
3. Stock market falling within the next 5-15 years as kid boomers pull money out during their retirement.
Just smile and keeping watching Desperate Housewifes. Oh! And preserve buying new cars and homes!
:)
How do I reschedule my Capital One Visa bill pocket money?
Question:
Capital One Visa
Answer:
You need to bid Capital One directly.
If you are asking to change just the date for one payment it would depend on your history as to what they will do for you. If you are across the world on-time they may do it for you with no cost once but don't count on that.
If you need a permenant conveyance, companies usually have no problem shifting your billing cycle, as long as you don't do it every month.
However, you should be current and because of the change you may hold some additional interest charged if you own a balance.
you should be capable of log onto their website and check for options on your justification or just ring up their customer service number and speak with a rep. Sometimes if you communicate near your creditors they will work with you. They may not enjoy a problem with you shifting your due date.
If you login to your credit card website, you can adjust the date of the time payments are due each month. You can also send for a rep and have them cash it for you.
If you already made a payment, you may know how to reschedule it if it's not late.
Learn more at http://www.thetruthaboutcreditcards.com...
Is in that a TRUE site where on earth i can get hold of a FREE credit report surrounded by Canada ?
Question:
Answer:
It is free to get a credit report within Canada by mail one and only. There is always a duty for an online copy. You can call 1 -8OO-465-7166 to writ a free report.
I'm not sure if you can get it or not. But few days ago I found below website which is going on for free credit report. I my self live in US. Hope it help.