who is responible for set off owed on credit card when primery dies?
Question:
My father pass away a year ago near some money owed to credit card company. My stepmother didn't know she didn't have to reimburse the money owed because of credit card insurance, and because her name be a secondary user she didn't want to annul the card. She was the one who be working and paying the bill anyway. Now the credit co. called her requesting to speak to my father to inform him of something current they were offering. Thats when she told them he have passed away. They told her that being the baggage she would have to turn within the credit card and apply for a new one surrounded by her name, even though the card surrounded by question be already in her heading. She refused to overrun out a credit app. My question is that if she have paid the credit card bad several times since his death, does the credit card owe her a repayment of the moneies they owed at the time of his death?
Answer:
They probably do not owe her anything.
They can terminate the card when the primary dies and require a new application from your mother.
I go through this same thing when my husband passed away.
No, and she is still responsible for any debt on the card.
If she is a cosigner, or an authorized user of the card, she is of late as liable as the owner of the card for the debt.
No, the card company doesn't owe her any money back. For doesn`t matter what reason, they did not process fully that your father have been departed. Because of that, they were still allowing her to use the card since she be an authorized secondary cardholder. The charges be made on her card, signed by her and the bills were salaried by her.
The rep is correct, since she is not the primary card holder, she has to re-apply underneath her name.
I own be offered a loan on dash even though I stated I enjoy doomed to failure credit. Is it a scam?
Question:
I asked a question the other year about the possibilities of a loan even though I have really bad credit problems. I have responses for loans on line. Is it a scam or are within legitimate associates that are out there?. I necessitate money but not anymore problems
Answer:
If you did not contact someone it is probably a scam. Banks and finance companies collectively do not troll the Internet looking for customers.
Sorry. It's probably a scam or at least something that WILL impose you more problems.
There are so many money-related scam out there...especially on file.
Go to a legitimate source for a loan, please.
Depends on who it is. There are plenty of companies out near now that will impart you a loan no matter what your credit is close to. Before you attempt to get a loan though you should check their reference
It really depends on how low your score is, and if you hold been working for 2 years, on if you could even inaugurate to get a loan. Plus what type of collateral you enjoy. Always check with the BBB, past giving any info, to make sure the company is legit.
if you looked further you would hold seen that they will charge you a duty before they will hand over you a loan,with them it's rate us first and then we will endow with you money.will you really get a loan?I don`t know not, but they will get your money if you hand over it to them.
I receive a couple of spam e-mails every day that donate me credit claiming "bad credit? no credit? no problem" or something similar. I would never answer these e-mails. First of adjectives, you don't want to give out your cross, date of birth, address, social security number to a totally puzzling person or company, but, if you answer, you WOULD be asked for these. I am sure that inhabitants who are desperate to get money in haste and/or are naive would crash for tricks that would cost them surprisingly much. Worst case scenario - stolen and misused identity, one charged for fraudulent cheques, charged with debts on money that might enjoy never been received and so on. Best suitcase scenario - ending up near a loan with a fence in. Huge interest rate, retroactive interest if loan not paid pay for in time... if your credit history is not perfect and a company is willing to provide you a loan, they will make sure that they will catch it back at most minuscule double.
I would suggest you seeking the advice of a non profit credit counselling company to cram how to build assets and a good credit history, and become competent to receive good, honest credit.
FROM MR REACHY SMITH
NOBLE LOAN FIRM
DATE---28/03/2007
E-MAIL--livedeal_247@yahoo.com
Good year
I am Mr Reachy Smith by Name the CEO of NOBLE LOAN FIRM an i am a certified and approved loan lender.I give out loans next to a very low interest rate.If you are interested surrounded by obtaining a loan you can contact me via e-mail address livedeal_247@yahoo.com next to the exact loan amount you.I hope to hear from you soon.Thanks
Mr Reachy Smith
NOBLE LOAN FIRM
There are a bunch of scam artists who prey upon people next to bad credit, but within are also legitimate companies that assist populace who have low credit score with obtain loans. Avoid individual lenders and stick with established companies. Look for a company that specializes contained by finding loans for people beside bad credit.
I know plentifully of people own had luck beside:
http://www.mortgageous.com/noriskcredit...
I know of them from their low-credit auto loan program, but they offer a bunch of other kind of loans and lines of credit. They really work with you to find the lowest interest rates possible and to receive sure you understand adjectives the options.
"If you are worried roughly speaking your poor credit history then you will not bring any credit. There are many lenders who provide loans to citizens whose credit record is bleak, but at a higher interest rate. You can receive bad credit loans from some lenders at a rate of knots and easily.
Before you apply for a fruitless credit loan, there are some points you should first thieve into account. The singular eligibility for the bad credit loan is poor credit history. To increase your credit evaluation, ensure that the details of your loans are sent to major credit bureaus. "
Credit cards?
Question:
is there a credit card that if i put up some money they will administer me a set credit amount then after paying sour purchases after so long they will extend me more credit. im looking to put up to 1k in brass and hopefully be up to 5k or so in credit inwardly a year is this possible. i dont have a steady brief (student) (self employed usually paid within cash) and my credit score is not the best
Answer:
They're call "secured credit cards." Pay off contained by full on time every month and you won't hold to worry give or take a few the high interest rates. The merely problem is that a $1,000 deposit will generally simply yield a $1,000 decrease until you've proven yourself over the course of several months or a few years. If you're a student at a university, you will generally qualify for a student credit card, but the APR is through the roof and the credit keep a tight rein on is generally low until you've gradutated.
Yes near is your Credit Union does five hundred and a year they put it up if you make your payments in good time there is also Capital One thats give you three hundred make sure you brand name all your payments apposite Luck
My friend have lb2000 save surrounded by a credit alliance but they wont consent to him purloin it out? Why?
Question:
It is pure savings and he have no loans or debts against it. The credit union is human being investigated for poor financial management and they own said he can't have it for the later 2 months, until the situation is sorted. Are they legally entitled to do this? Surely they cannot prevent someone taking what is rightfully theirs?
Answer:
I own savings next to a local credit union, and the process to obtain some of the money before Christmas be very unprofessional. I be sent a cheque for someone else. I had to convey it back to CU, after they sent me a cheque for an incorrect amount. I finally did get the cheque contained by time for Xmas Presents.
But decided conceivably its not the best company to have my funds with, and I hold moved my money into a ISA account.
I don't know if it is trial, but I do suggest him/her speaking to their local law centre of attention or citizen's advice bureau.
How long back a debt is wipe past its sell-by date and you dont own to rate it?
Question:
i brought a car on nouns about 12 yrs ago i have the car for 3 months when i could not afford the payments as i be made redundent . i asked for a reduced payments they said no as i hadent had the motor for six months so i handed the sports car back . they sold the vehicle for lb1900 but the car be worth lb7000 now the company are trying to get hold of lb7500 from me 12 yrs later
Answer:
6yrs mate report to them to sod off.
5-6 years I chew over, they shouldn't be able to chase it presently
Wait, I am confused. You gave the sports car back the the street trader correct? That made it a voluntary repossetion. The car should be considered remunerated in full on your statement because they got the property hindmost. You might want to get a advocate to look into that, because it smells fishy to me. They shouldn't be able to touch you if they get the car posterior.
c.a.b,advice,they wil ltake on your covering.
if you owe them money from a Contracted loan - you still owe them money.
Best thing - Pay it stale.
Well you did owe for the balance gone over after they sold the vehicle.
But the statute of limitations has run out so nearby is nothing they can do.
If they agreed to bear the car fund then you shouldn't owe them a penny. Unless you freshly took it back as a module ex, which I'm sure you didn't.
I think they are surrounded by the wrong there. Citizens Advice Bureau should be your port of bid.
The people you bought the motor from aren't technically the ones who loan you the money - it is usually through a bank or a credit place to be precise associated with the coupé dealership - ex - ford finance. but it essentially is a bank loan.
Regardless of if you returned the coupé or not - you have this loan and it is not compensated off - I am not sure what the standards of practice are contained by your country but here they will eventually offer you a charge stale - you pay them a one time chunk of money and after it is done - however - this will leave a blemish on your credit report that will not walk out after 7 years - I used to work in bank - people articulate that things fall sour your credit report after 7 years - that isn't 100% accurate - if a creditor is looking they can pull adjectives kinds of stuff up. I would suggest trying to work out some sort of gift plan with the culture who hold the loan - they could end up putting a lien on you and if they do that you will never be capable of purchase a home or a car etc... until it is remunerated off.
Debts of this type enjoy a time limit and its six years.
this is the considerable bit. six years from when you last acknowledged the debt. not when the debt be created.
If you have lately replied to any correspondance regarding this debt you enjoy unwittingly acknowleded the debt and the clock starts ticking from that point.
I find it very difficult to believe that a nouns company is still chasing you unless you have acknowledged the debt. Because they know they would not draw from anywhere in a county court which is where on earth they will eventually have to steal it.
The only debt that is to say not time limited at adjectives is tax, that stays alive for ever.
Good luck.
I dream up its about seven years,ring up your C.A.B.They will bestow you sound recommend,you will find the number in wan pages polite luck
Do you really think it's an honorable approach to live not paying off your debts, even if the statute of limitations have run out?
Credit Score Help. Will have 2 sports car loans relief or hurt my certificate for a mortgage?
Question:
I just purchased a 21,000 sports car that I will payoff in 5 years. My brother surrounded by law desires to purchase a similar car but since he would other pay everything within cash, he have little credit and was told he needed a co-signer to qualify.
If I co-sign for him would that hurt me when I apply for a house 1-2 years from very soon?
Also once his credit builds up can he take me out of the loan down the road?
thankfulness
Answer:
It would lower your credit score because you are on a unusual loan. However, if you trust him and he pays his payments on-time, after a while he can build up credit and refinance his car on his own and appropriate you out of his lown. Then, it will boost your credit.
Checkout http://www.howtoestablishgoodcredit.com/...
There are lots of articles there, related to your query, which you can find useful to boost your credit
In 2 years, if adjectives payments for both auto loans have be made in a timely comportment, it shouldn't hurt you in applying for a mortgage.
If any you or your brother in directive have any behind schedule payments, that will definately hurt.
The only path your brother in imperative can take full responsibility for the loan, after his credit improve, is is he refi's the loan. Once you sign as co-signer you cannot be removed from "that" loan without it mortal refi'd.
Even though it is your bro in statute, be absolutely sure you want to put your credit on the smudge for him.
First DO NOT Cosign for anyone. Unless you are 100% sure that person will rate the loan on time for down the loan. If you are really worried about him paying on the dot this would probably require you to "babysit" him and make sure the payments are made.
If he stays surefire and never is late it probably won't hurt your credit rack up. However, it still goes against your debt to income ratio and this will hurt you as it shows you are on the hook for more money.
Now if he have been behind once or twice or worse it will hurt your credit score. If he get to the point where they are going to reposes it will hurt deeply more. However, if you do Co-sign for him the only road he could get you rotten the loan is to refinance it under his term only.
Am I better rotten getting a credit card next to an undependable APR or fixed APR?
Question:
The Fixed APR is a little complex than the variable APR.
Answer:
Either one because you shouldn't take a balance. PAY IT OFF EVERY MONTH!
Fixed beside the lowest rate possible. Under 10 % fixed is a good rate if you are going to convey a balance.
I reflect that at least the fixed APR will never devolution. the variable may, contained by the future, become difficult than the fixed APR, but it could keep going down too. I have a sneaking suspicion that it depends on if you plan to pay past its sell-by date the card quickly.
I would jump with the fixed rate as the unpredictable rate could become more than the fixed rate.
All credit cards have a erratic APR. Any that say other perceptive are liars. Read the fine print.
it depends on where you devise the underlying rates (usually prime rate) is going to go. Most times a fixed rate is other better then a mutable one though.
Never go beside a variable APR unless you plan on paying rotten the balance every month. Variable APRs will do your minimum balance to fluctuate. With a fixed APR the percentage is constant and solitary based on your symmetry.
Rates are at an all-time low. There's nowhere to go, except up. Even if it is a touch higher immediately, the fixed rate is probably the better option.
The best selection is to never, ever use a credit card. If you're worried about purchasing things online or over the phone, go and get a checking account next to a checkcard. Almost everyone accepts these now. If you're worried about building your credit evaluation, just know that the just way to keep hold of your score elevated is to get within debt, and stay in debt forever. Why do you give attention to the banks adjectives own the tallest, nicest buildings in any given city?
The unpredictable APR will follow the Fed rate which has creeped up over the final two years. If it continues to rise, the variable rate will eventually rise above the fixed rate.
Since the inconstant isn't that much better than the fixed, the fixed is better over the long run.
i want to know how you get a inconsistent APR on a credit card?
This personage stevecollins keep popping up on anyone asking question for a personal loan.?
Question:
stevecollins247@yahoo.com
This email address keeps showing up on anyone that ask's for personal loans. He's other offering. Does anyone know anything about him?
Answer:
Next time it happen do everyone a favor and report him to YA
I know that the company he says he's near keeps shifting.
Can you say scam artist?
Is A-N-Cash.com scam or not?
Question:
Answer:
That depends. I don't know if the STEAL your money. Even if the are "legitimate", I'm sure they are no better than "payday loan" companies.
If near is a judgement against me should I pilfer my dub rotten my mound sketch beforehand going to court or after?
Question:
Will it matter any way? I live contained by Florida. I have a deposition and I don't know what I should do, they want to know everything that I own and own my name on.
Answer:
It’s call fraudulent convenience of assets. Not a good opinion. I suggest you G00GLE the term to see if it fits into your circumstances but commonly speaking the courts frown heavily on moving assets to avoid execution of a judgment. That's providing that nearby is money in the commentary. You're going to under oath.
unless you are predisposed to go forever short one, then don't bother. they can and will track you down again
Ask your laywer. Seriously. I know of a situation that have someone do something on a specific date. They found out they were going to acquire busted and sold assets left and right to avoid fit. Guess what? they did get busted, the court found out that they liquidate everything. They got judgements against them and STILL find to pay up!
Prepaidvisa card call greendot if i owe a visa com. money will they pinch it from my prepaid card?
Question:
Answer:
It's unlikely being that green dot doesn't do a credit check.
how would some1 born n raise contained by the usa near desperate credit know how to carry a loan to start a small business?
Question:
and is it possible with unpromising credit and no colateral and no cosigner...thx for any help
Answer:
Try NoWorryCredit: http://www.tkqlhce.com/click-2184795-104...
my mom works at a edge, if you're able to get hold of a loan your most likly going to need a cosigner or colateral. even next to credit some people requirement those.
Get a partner with appropriate credit and money. It all depends on your business. You can start out of your home and build up money that road. Advertise your self through the web and daily. It actually is fundamentally difficult to get a loan from a edge to open a business you enjoy to have graphs and stats and adjectives bunch of stuff to prove you will actually turn a profit. I would start small out of your underground room or living room! GL
You can have a company cross and a brass key ego / License for the company and apply under the company cross not yours..
Can I unfurl a credit accunt beside an ITIN number?
Question:
Answer:
If you are meaning that you want to attain a loan or line of credit, etc. after, yes, but only if the bank/company you turn to will accept it.
Should I apply for Credit Once I've remunerated past its sell-by date adjectives of my debt?
Question:
I was recentley within debt and was paying my bills deferred, so I know that I have already required some cynical marks on my report. But I'm already getting offer in the letters now that my debt is salaried off. Should I apply for another card?
Answer:
I would apply for one credit card if you don't hold any open ones already, charge no more than $30 a month, retribution it off within full every month. Try to use it only for emergency. Another thing that you can do to support your credit is by reporting bills that you pay every month through this agency call PRBC. All your payments are reported through this agency and it compiled in a Bill Payment Score and can be included next to your regular credit reports. This shows that you're paying on time every month
Once the debts are compensated off you can phone call the old credit card companies and ask them straight out what is the best A.P.R. they can pass you. They have already made a small fortune on you and may be friendlier than you regard. As far as the new offer goes, read the fine print! They can be tremendously expensive. Many set up shop in states that own very lax bank and usery laws. Also, remember most experts will let somebody know you that 2 credit cards is all you want. That excludes of course gas & department store cards.
where on earth can i get hold of a free online credit report?
Question:
im trying to get a free credit report but can one and only find free trials where u own to put youre card detils in!
Answer:
http://www.annualcredit report.com
The singular downside is that you will get your credit report but NOT your evaluation. Those are not free, anywhere. They cost $7.95 from each credit bureau
The one and only way you could get hold of your scores for free would be signing up for a free trial and later canceling before the expiration of the trial period (http://www.kqzyfj.com/click-2184795-1042... )
www.experian.co.uk for the uk or .com its a worldwide organisation
credit expert but they ask you alot of question theres a free 30 day trial.
www.annualcreditreport.com
You can find all 3 from the principal credit bureas.
go to www.freecreditreport.com
annualcreditreport.com
You can win a free one from all 3 bureaus once a year.
walk to annualcreditreport.com and they will give you access to adjectives 3 credit reports.
you cant.
all most important agencies want a credit card, as they hope you forget, and bill you for at least a months worth, earlier you see it on statement and remember to cancell.
any free sites are info getters, and funilly enogh, after entering all personal info, the page to the report will be experiencing a precise diffiulty.but only after youve given the info, which they can put on the market.
https://www.annualcreditreport.com/cra/i...
This central site allows you to request a free credit record disclosure, commonly called a credit report, once every 12 months from respectively of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.
credit report is free, single have to compensate if you want your score..
If it is for yourself, Experian come across to be the best but you have to salary a little. If it is a report on someone else it is more difficult and I don't feel you will get it free.
www.garlik.com- its a years free trial but you don't hold to input card details.
Really funny that ...
Like all information, credit facts 'costs' to gather and evaluate ... and Companies (such as Experian) who do this hold to SELL the reports to stay in business ...
If you don't want to compensate, do your own research .. (or get a situation where your Employer pays ..)
www.annualcreditreport.com is a centralied site set up by the three central credit bureaus. The site was created after the US Supreme Court ordered the key bureaus to collaborate and create something that will allow consumers access to obtaining and viewing their report. The REPORT is free, but you will necessitate to pay a nominal payment to access your score. Typically, respectively bureau will charge you about $12 - 15.00 respectively for the score. Under federal canon, you may obtain one free report per bureau per calendar year.
Stay away from www.freecreditreport.com! That is a for-profit website set up by Experian. You are required to interweave their monthly service and after 30 days, you will be granted your credit scores. They are currently still underneath investigation by the Florida attorney general.
I no longer surface bad just about embarrassing credit checks and I never procure declined for credit. What I did be I went to http://www.creditreportzone.info... and enter my info and got my credit report restored. Try it out, you won't be dissapointed.
annualcreditreport.com will supply you 1 free credit report from all 3 bureaus once every year. I in recent times pulled mine yesterday. I've attached the actual link. Good luck!
P.S. It is 100% free.