Credit Questions and Answers

When you win the green dot visa card is in attendance if truth be told a green dot within the corner?


Question:
Hello, I'm planning on getting a Prepaid Visa Card because I've asked around and Prepaid Visa by green dot is a really good treaty. I was only just wondering if when you get the card contained by the mail it in reality has a green dot or is that a moment ago the name. I know this is a stupid ask but I'm bored...

Answer:
It is gray with a green dot on it.




What time does your discharge packet hit your guard report?


Question:


Answer:
Mine goes within sometime in the morning, usually between 6 and 8am.
I feel it depends on your bank.
About 3 am after adjectives the banks update their systems
depending on your hill between 12:00 am and 4am
about 12am...why?u thinkin of stealin it!? lol
Who is your employer? What dune do you use? BOTH of those answers are required to give an accurate answer. The deposit won't truly POST until the end of the light of day. However, once the bank is aware of an electronic deposit, they are required by regulation to make the funds available like peas in a pod day.
The income has to hit your mound on payday. If you use the same wall as your employer, the payment will probably hit after 3pm the daytime beforem since this is considered the next business hours of daylight. (if payday is Friday, you may see it Thursday) Otherwise anytime from 12am or later on payday depending on when your ridge runs their EFT payments.
technically they have until 5.30pm on they year its due to arrive to pay it, although most stir in overnight the dark before.
Midnight the hours of daylight before money day.




Paypal!! Can someone PLEASE HELP??


Question:
I'm about prepared to SCREAM!! I'm so confused!

Okay, all I want to do is brand the money from my Paypal account travel into my frickin' Bank of America account. That's adjectives I want to do, but I'm having the hardest time. I tried to attach my BofA account to Paypal, but I guess it never worked. So, today, my sister added my BofA information to Paypal, but she added it as a credit card. Will this work? Why is it that when I click "Withdraw" it takes me to a page where on earth I have to attach my bank description number?

I'm guessing it's already linked, because when I check my picture balance on the BofA website, I'm missing $.30, but there's no explanation of what happen.

This question probably doesn't even get sense. Sorry.

Answer:
It does. I think you enjoy to have the relevant dune already on your paypal system. Also you receive e-mails to confirm transactions. Contact paypal, they are really good at helping and will afford you an answer in going on for 1 or 2 days.
When you add an vindication, you have to hand over the bank routing number (which tell paypal what bank your information is in) and your account number. Are you SURE you enter both correctly? Go into you bank tomorrow and put in the picture them you are having trouble setting up a direct compensation to your account. Ask them to write down the correct routing number and commentary number. With that paper contained by hand, try adding up the account to paypal again. I set up my paypal vindication and added a savings description earlier this week and have no problem. I work at a bank, so I know exactly which numbers are which.

If paypal charged your explanation. It is probably part of the process to verify you own the description. For my savings rationalization, they made 2 small deposits (less than $1.00 total). I then have to go rear legs to paypal and enter the amounts of the deposits. That let them know I could access the article statements.




How can i seize my three free crededit reports?


Question:
these reports should be from equfax, experian and transunion

Answer:
http://www.annualcreditreport.com...
https://www.annualcreditreport.com/cra/i...
^great site, has adjectives 3 companies you want.

NOT www.freecreditreport.com like you see on adjectives the commericals. that's not even free.
Taylor is correct..
Jo does this three times a year,, not all at once. You draw from one freebie from each of the three,,
Fill forms on
http://www.equifax.com
http://www.experian.com
http://www.transunion.com
if you find any errors within your reports call to credit bureaus and explain your side of situation.
dance to www.adviceontime.com and read teh article about credit, this will point you surrounded by the right direction.
Maybe you can try below website to get the information you involve. It's about free credit report articles for your second judgment.




Would ruin abet??


Question:
This is the situation, a year ago i had a girlfrien and we be living together for some years,,, i got her a saloon from the dealer! my heading first and her name second!on the paperwork ...the item is that she returnd the car and in a minute i have a debt of 6000 dollars on it...(we dont live togeher anymore)i own horrrible credit debt and currently leasing a car.. i thinking of file bankruptcy...will this carry rid off that amount or what and whats going to happend to the coup¨¦ im leasing right now? lend a hand (sorry for the horrible speelling and grammar). hope u understand..my press!

Answer:
Bankrupcy WILL get rid of the debt but it will also RUIN your credit for the subsequent 10 years making it nearly impossible to get any credit including buying a motor, house or anything else that you may want without a co-signer! If here is ANY OTHER WAY that you can pay past its sell-by date this debt then you requirement to really concider that instead!! Also talk to a legal representative and look into the possiblities of getting HER to pay sour that debt since in reality it was HER saloon!! If SHE sold it without your consent and YOU be the first person nominated on the note after the money that she made off it be legally YOURS and not hers!! You call for to get some permissible advice up to that time doing something like bankrupcy and seriously ruining your credit!! Good luck and try not to buy anything that big for ANYONE that isnt your wife from presently on!
The laws a moment ago recently changed so you may enjoy to pay final the money even if you file liquidation. Consult a lawyer or law in your state.
Assuming you CAN directory bankruptcy, it will acquire you out of the debt. However, defaulting on the $6000 will do LESS damage than the collapse. Since you are currently leasing a car, and don't own it, I doubt you will be forced to confer up the leased vehicle, but you will have to keep hold of making the payments.
The things we do for love. I won't criticize you for the decision you made to sign/co-sign for the saloon. That's in times gone by and no sense beating yourself up over it. The actuality is that filing collapse is not as easy as it once be and there are more chapter 13 (repayment plan) than chapter 7 (non repayment) bankruptcy being allowed. You cannot directory if you make a confident amount of money. You cannot keep your home and/or cars over a in no doubt amount of equity in them. You may termination up having to repay that $6,000 debt anyway because you signed for it within good principle. The car nouns company doesn't care if you are driving the vehicle or that you broke up with your girlfriend. You signed the loan and you are liable... length. If you are overextended in debts, consider a non profit debt counseling plan by CCCS (reputable only) that can oblige you negotiate payments you can live with. Trust me, it's not worth file bankruptcy for a few thousand bucks although it may grain like it is. Think of the subsequent ten years of your life self affected next to insurance rates, job denials, self esteem, etc. You made the mistake but you can revise from it and not do it again. Check out the organization below for a CCCS plan close at hand you. There's no obligation but worth a phone christen:




How much does a credit card company earn annually?


Question:
I'm just curious = P

Answer:
the money they be paid is on the interest they charge consumers. that money sits in an sketch making interest. that money is lent to other people at 29% interest. if they write past its sell-by date a debt its deducted from their income taxes. they deal in the debt and make money from that. they dont lose anything.
Depends on the credit card company--the big ones are BILLIONS AND BILLIONS. If in attendance is a particular company you're looking for, do a explore in Yahoo nouns where you can find their financial statements next to their Earnings and Net Income.
Visa/Mastercard probably tens of billions.
no clue ,but im sure its way up in that
Thats simple.... annual income are in the BILLIONS.. not millions.
Mastercard made $3.3 billion surrounded by revenue last year
Billions. It's a huge brass cow for the banks. In certainty, it's so hush-hush that none of the major credit card companies will release or publish that information.
Citibank is the biggest and they earn almost 20 Billion annually. That is NET not gross. That they put on the books anyway. I am sure it is more though.

I tried to find a chronicle online but I couldnt find one.

Lets just enunciate... ALOT!
Go to: http://www.credit-card-gallery.com/calcu... and calculate.




I own a loan to earnings rotten, and i also repay reward protection, if i'm pregnant, do u come up with it covers me??


Question:


Answer:
If you are disabled due to complications of pregnancy your protection may come into effect. It will not help near a normal pregnancy, you will necessitate to provide documentation from a physician stating you are disabled, and unable to work and earn your income.
It will probably single cover you if your pregnancy prevents you from being competent to work at all.
It will cover you after you donate birth though
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Does anyone know any uk edge that will afford you a current narrative will poor credit? im desperate! oblige me?


Question:


Answer:
Have you tried Yorkshire Bank?


:-)))
i thought anyone could have a current depiction, isnt it just a debit side? im a student(so i have loans and fruitless credit) but i still have one next to the abbey national and an overdraft.
Barclay's bank do aslong as you own got adjectives the right id they ask for
Try a Cashminder rationalization from the Co-op Bank.
You do not need a virtuous credit history to open a current details since they are not giving you any loan. However they may not allow you any overdrafts, so you will have to exploit responsibly.
natwest step account give u a solo debit card(funds u use are deducted straight from your bank)
lloyds current account(basic next to no monthly fees etc)gives you a visa DEBIT card or visa electron and cheque book,but guarantee cards are hard to get-ive have that account for6yrs and they wont provide me a guarantee card.
There about your best bet as it will be tremendously difficult-i have relatively good credit and thats the best theyd offer me.possibly start with the natwest step report and solo card and after 3mths of them seeing regular transactions ask about upgrading the justification.
For a creditcard try barclaycard...if you cant get one of them ive found you cant attain any other9apart from capital1 whch u said no to)
Avoid companies that credit search at experian or equifax...dont kno why but they're other swines for me!!
good luck!
Nobody does 1 that'll grant you all that cos it method giving you credit.

The closest you'll get is Co-operative mound who'll give you a underlying bank justification with debit card
adjectives banks will impart you a current account, however next to bad credit they will not provide you a debit or cheque guarentee card.

you might get a visa electron card if you want to do online payments etc. bargain to halifax.
All banks will do a credit prod on you if you want a current account, ie cheque book and card to use at one and the same time. I have a cheque book and a visa electron but still can write cheques to take-home pay for thing over the network etc. Hope this helps?
Hi
Think Banking is part of a set o royal bank of scotland will adopt all no cheque book but maestro card. Check the manage account. Look them up on internet and can embark on the ac on the telephone.




I want to consulidate my credit cards to one payoff a month?


Question:


Answer:
the best solution is to get adjectives credit cards paid by takng change out from your home equity, if you have any. The interest rate on the home equity loans is usually smaller quantity than one third of what's on credit cards. If home equity is not a possibility than try to get it transferred to on near no or little finance charges on set off transfers.
I have just this minute done this and I love it. I don't have to verbs about when everything is due and if I compensated it. Also your montly payments are reduced because the finance charges are lowered and you don't return with charged over draft fees or late gift fees. I would recommend doing it if you have lots of credit cards. But I would recommend researching different companies because some charge more montly fees than others do.
Have you thought roughly speaking setting up an on-line checking account that you can programme your payments with? Consolidating is alright but if you use a CC company it will emulate badly on your credit report. However, if you want to consolidate your credit cards you can do this by yourself. May I suggest my credit repair net link located surrounded by my RunEye.com profile. You'll find 375 pages of self assist information and advice.

Good luck to you and your domestic,
You can consolidate your credit card debts into one monthly payment:
http://debts-to-wealth.com/category/cred...




When applying for a credit card, what is the lowest/ideal interest rate?


Question:
I've never been a adherent of credit cards, but I'm getting myself an emergency credit card just within case. I'm looking for the card next to the lowest or ideal interest rate and I be wondering what interest rates are considered low?

Answer:
Unless you have an established credit history-- you'll enjoy a hard time getting the 'lowest rate'. But at hand are a few companies that offer APR's as low as 7.99%. This can be deceiving though-- because other limitations usually restrict how much you can put aside. For example, the Pulaski Bank Visa has a 7.99% APR. But it also have an annual fee of $35-$50. Plus, it's chief credit limit is solely $10,000. How much can you really save near an annual fee and such a low hamper?

The best 'overall' credit cards are usually between 9.99% - 11.24%. You can find a great list of low APR offer here:

http://www.asapcreditcard.com/low-intere...

Keep in mind, if your credit isn't 'excellent', you probably won't acquire approved for the best APR. In this case, I would recommend the Chase Platinum Card. It's a pretty correct deal (0% APR for 12 months, 14.24% APR). But since Chase have the loosest approval guidelines of all the key credit card issuers-- you stand a better chance of getting approved if your credit is questionable.

Hope this help. GOOD LUCK!
Well capital one have a interst rate on 7%
It all dipense on ur credit mark
0 (zero). its a promotional rate, it will change after that to 7-15%
go to bankrate.com and see whats available
If you are merely getting it for an emergency, make sure you not merely check rates, but also that there are no start-up or annual fees for the portrayal. Some people never use their credit cards, but still entwine up paying because of all the fees that stir with it! Depending on your credit, you may qualify for a 0% APR for the first 6 months to a year. I enjoy two like that, but they will increase to 9.9 after the year is up. Another article to keep within mind, is to look for a fixed interest rate. It might be worth having a slightly difficult APR if it is fixed because a variable APR could double overnight!
turn to www.cardratings.com LOTS OF GOOD INFORAMATION ABOUT CREDIT CARDS
Maybe you can try below website to get the information you involve. It's about low interest credit cards articles for your second evaluation.




How do I carry charge offs removed from my credit report asap?


Question:


Answer:
Matt and Spifiman are both right, because they have both ways to the answer; one path if you want to pay and achieve rid of them quickly, and the other if you don't want to salary and don't mind waiting it out. I've done both of them, so they in certainty work, but it's up to you on which one you want to do.
Why? You in a hurry to rip someone else rotten?
You cant get them bad asap, unless you get a "wages for deletion" agreement from the creditor.

A chargeoff is negative, no event what the standing is. Paid or not, the damage is done. The solely way to return with rid of the negative effects is to draw from rid of the charge off.

Try getting the creditor to agree surrounded by writing to have the refusal entries removed from your credit report(s) if you pay the harmonize owed. Make the offer within writing and send adjectives correspondence certified return receipt letters.
Charge offs usually stay on your credit for 7 years unless you pay them. If they are an error, you can gain a letter from the creditor stating it is incorrect and post it to each of the 3 bureaus.
They are on your credit for 7 - 10 years. So, unless they are elder than that, the likelihood of getting them removed is nil. If they are elder than that, then you can jump to each of the three highest Credit reporting agencies (Equifax, Experian and TransUnion) and request that your credit profile be reviewed for deletion of older charge-offs.
The singular things that can be removed from any credit file are things that are not correct. So if the charge offs are true? You can not get hold of them removed. The only point that will remove them is time. 7-years
Listen, I'm going to advise you to call on my RunEye.com profile. There you'll see a link to my credit repair trellis site. It has 375 page of information and advice that should support you.

Best of luck to you and your family,
There are individual two ways that you can get an accurate, distrustful item removed from your credit report.

1) The creditor must delete it
2) The creditor fails to respond to a dispute investigation from the credit bureau.

So what you will have need of to first do is dispute this item. The credit bureau sends the creditor a notice that it is person investigated and the creditor must "verify the debt". Many times the creditor either ignore these requests, does not want to take the time to research it, or no longer have the records available. This is especially true for aged debts.

If they do verify the debt, all you can do is try to contact the creditor and see what they will give somebody a lift to get it removed. Obvioulsy you will enjoy to pay the debt, but DO NOT settle up it unless they agree IN WRITING to delete the entry. Paying it and having it enunciate "paid" does NOT remove negative information almost late fees, collections, or settlements.

Other later that, there is no officially recognized way it will be removed prior to the 7 year reporting date.
dispute them to adjectives the 3 credit people




What happen after an auto charge bad? (excluding the reality that it go on your crdit reports)?


Question:
I will try and make this as graceful as possible to read. I recently made my second payment on my motor. however, i have made behind schedule car payments and consequently accrued past due charges and interest. i recently discussed this near the company who holds my loan and they informed me that i have 120 days contained by total to pay these charges or they will charge stale my loan and repossess the car. they call this the loan maturing after 120 days. they would not extend this time to pay these new charges. i will most likely be capable of pay this amount by the 120 daylight due date. so, here a few questions i am trying to resolve. is this lawful on their part or by tenet do they have to extent me more time to pay cheque these charges? if it is legal, later if they charge the car rotten, what will happen to the vehicle? will this charge off automatically put my vehicle into repossession? who holds the position to put the car surrounded by repossession? what is the difference between the charge off and repossession? If you enjoy any insight, your knowledge would be greatly appreciated.

Answer:
It is official they can take the coup¨¦ back even if you own one payment departed. They do have the right to choose how long they will extend your payments out. I would obtain the late payments salaried off as soon as possible as this is continuing to be a denial mark on your credit mark and could hurt any future credit requests you own in the adjectives.




I stipulation a guaranteed loan of $1500, who can abet me out?


Question:
I apply for loans, but I only return with $200 or $300 . I need more

Answer:
sorry im broke!
call for your fairy godmother
Sounds as though you are not aware with the loan process. Loans are base on your credit history and your ability to wage. I have no model of your credit history or your ability to wages. Sounds as though there are some issues somewhere. The simply other suggestion is to find a credit card company who will issue you a credit card with a flash of credit that may help your wishes. The credit card companies will issue you a card also based on your credit history. Do a furrow on G00GLE for credit cards with 0% percent interest for a year and you will receive some results. You can apply on line or within most cases you can call their customer service center and they can comfort you with the application process. Just save in mind these credit card population are in business to clear money also, be careful and you be sure you realize the terms of what you are applying for and what you agree to.
Try Juniper Partner Cards I file bankruptcy contained by 2003 and they gave me two visa cards Us airways (high interest 22%) but a 1750.00 constraint
https://www.barclaycardus.com/app/ccsite...
Try this people-help-people site:
http://www.prosper.com/prm/combo.htm...
Yes there are plentiful Loan sharks.
I have a record of some good websites offering Loans near low Interest rate and fast approval. Its a policy voilation of yahoo if i post any contact here.

Just mail me at solidoffer11@yahoo.com near subjet- Loan . I will send a association of best website where you can find best Loan offer,tips and resources.

best wishes
its better for you to try an online loan.i think that the below website will relieve you to find the right solution.




Need a loan shark surrounded by the hip bath nouns?


Question:
I know this sounds like a doomed to failure idea but i have need of to come up with 8-10,000 completely quick and conventional methods enjoy failed me so any back would be much appreciated. Thanks

Answer:
Try for an online loan.i think that the below website will support you to find the right solution.
You're better off taking equity out on your home, selling your home, or motor, furniture or whatever than going to a loan shark, payday lender or any other fradulant or predatory lender. Loan sharks are the worst of the worst surrounded by that they can physically harm you and/or your loved ones. They are crooks. Can you borrow from family or friends? Is the debt related to gambling/drugs or is it a valid debt such an a medical expense, loss of brief, failed business scheme, divorce, or some other unexpected event?

If the debt is due to an surprising emergency then you are probably better sour trying to borrow from family or friends. If it is due to having a bet then they will probably be reluctant to lend.

I'd put up for sale everything I own, or I'd declare collapse before I approach a loan shark. In certainty the only approach I'd go in close proximity a loan shark is if a loved one was kidnap, and in physical vulnerability, and I have to settle a ransom that I cannot get. But consequently again I'd speak to law enforcement first (if I can).
Yes within are many Loan sharks.
I enjoy a list of some honest websites offering Loans with low Interest rate and nifty approval. Its a policy voilation of yahoo if i post any link here.

Just communication me at solidoffer11@yahoo.com with subjet- Loan . I will transport a link of best website where on earth you can find best Loan offers,tips and resources.

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Can credit be repaired after default student loans?


Question:
I've heard that default student loans will ruin your credit forever, but then I hear otherwise. Will going on a payment plan support or will it only seize better once it's paid bad? What is the truth?

Answer:
Student loans are considered to be like your charge responsibilty. Since you have default on a student loan they will stay with you forever approaching taxes owing the federal government or the state that you live surrounded by (if they have income excise, some states do not have income tax). If I be you I would try to set up some kind of costs plan to pay that student loan rotten. Like taxes if you don't it will haunt you forever.
The transmittal plan shows the government that you are sincere around paying off your student loan and it will engineer things a lot easier for you. The federal rule does not play with student loans or taxes that are owed to them.
as long as u construct a payment on things b4 they r 30+ days behind u r okay. also it takes up to 7 years for discouraging accounts on ur credit report to be removed so make sure u settle up on time.
all right there runin ur credit anyway since you hold not paid them. It take 7 yrs before it be removed from your credit. What i will say-so is just compensate them when u have the money or trying discussion to them one more time recount you want to pay them put you can't afford that much and if they can formulate the payment smaller you will be capable of pay it
Hello,
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A defaulted student loan is worse than a ruin because a bankruptcy can solely stay on your credit report only 10 years whereas a default student loan can stay on your credit report potentially forever if you never take watchfulness of it ! ! !




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