Ethics quiz?
Question:
We bought a car 6 years ago. After 4 months the in one piece front end fell apart. we told the co. that we required them to pick it up, because it is unusable. They turned us over to the credit bureaus, as a repo, knowing that the car be a lemon. how can I get the unenthusiastic reports off of my credit bureaus? The company be ugly duckling.
Answers:
If the coup¨¦ was a lemon, you would enjoy had to skirmish them using your states lemon laws. Just unfolding them to pick it up and not pay for it be a bad thought.
Sorry to tell you but since the sports car is long gone there is not much you can do almost it now. At 6 years you are probably former any time that they can take permitted action for you to repay, depending on your state. So you would have to hang about for it to fall sour your reports, or negociate with them to repay the debt if they remove the information if you want it off sooner.
A used coup¨¦ isn't guaranteed usually. You own it and owe the money. If it was guaranteed you would still stipulation to pay the payments but they may enjoy repaired it.
You can't just christen them and say you're not going to settle up and you want them to pick up the car. You hold to follow through and you didn't do that. Do you expect them to just clutch your word that the car wasn't surrounded by an accident or that the sports car was a lemon? Come on. Would you simply take someones word for it.
Now today. You can't gain the items off your credit report because they're true.
Take it to a mechanic and hold them put it writing (signed) saying it be falling apart in the first place. Make a copy of the bill and the information and send it to the nation who sold it and the Better Business Bureau. Also attach a signed note dictum they owe you the price of the car, the price of the mechanic, the court fees, and I don`t know any time off you have to take to solve this. Take it to court along near all those documents.
I hold never seen a lemon directive that will allow you to return a car for ONE repair, regardless of how extensive the repair be, that is lower than warranty.
You cannot take self-help measures to not pay cheque a debt. If you felt the saloon was a lemon, you should own consulted with a trial professional to see if your car would qualify below the lemon law, and asked the court to force the dealership to buy the saloon back.
So yes, the reposession be proper.
Can wages be garnish for credit card debt from one state to another?
Question:
Answers:
Yes unless the state has some statute saying you can't be garnish there resembling Florida where OJ hide from his creditors.
Extremely unlikely! ~
Hard to say. A garnishment is essentially a court decree authorizing involuntary deductions from your clear to apply to a debt. The order is *against* the debtor, but the proclaim requires action from the debtor's employer, not the debtor - so the employer is the one who is required to comply (on behalf of the debtor, if that adjectives makes sense.).
Whether or not someone from, right to be heard, Iowa, is compelled to comply with an direct issued from a court in - oh, let's right to be heard, Georgia, for instance - depends on the jurisdiction of the court that issued the order. Was it federal, state, district or municipal court? And, some states/municipalities own "agreements" between them to honor judicial orders issued from one another; others do not. To further complicate matter, granishments for some types of debt, such as for back taxes or child support arrearages, are honored contained by some states/localities where garnishments for humdrum consumer debts would not be.
Sorry I could not be of more help...you probably should contact a advocate in any the state where the wages be earned, or the location the garnishment be issued, to get an answer applicable to your specific situation.
Good luck!
It will depend on your current residence state law, and whether they allow wage garnishments. What you want to do is search the web for "foreign judgments" and your state, and look at your laws to see how they are handle.
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Canadian Loan Scams?
Question:
Just so everyone is aware.. "ADVANCED LOAN FEES IN CANADA ARE ILLEGAL" no real lender will ask for an advanced loan levy of any kind.
And the big kicker is.. the company that I researched that be trying to scam me.. their ip address is located out of arizona, usa..
DOES ANYONE KNOW IF PEOPLE ARE ABLE TO BUY CANANDIAN PHONE #'s, especially when their addressis in the USA? HOW THE HECK IS THIS POSSIBLE?
Answers:
Check out this thread
http://answers.yahoo.com/question/index;...
and this
http://answers.yahoo.com/question/index;...
and
http://answers.yahoo.com/question/index;...
There are more but this should be satisfactory to stop people from sending these crooks money.
It's only just another way to bring back you to part near your hard earn money. If it sounds too good to be true, it probably is not true.
How can i capture honourable credit?
Question:
im 20yrs old and im tryin to esablish credit at a immature age i tried applyin to cards like a jc.penny wal mart stores similar to that but they turned me down. also i be gettin these credit cards in the letters. so wut can i do to get sum perfect credit i wanna buy a car and they update me my intrest rate gonna be 15%. so wut can i do?
Answers:
Here is a credit lesson for you we will call it credit 101:
First of adjectives evertime you apply for credit points are detucted from your credit score andwhere from 1 point to 20 points.
If your denied credit you are aloowed to go and get a free credit report to see what exactly is on your credit. The three major companies for credit are Equifax, Experian, Trans-union.
There are compies that you can wages a fee to, and acquire a copy of your credit score from adjectives of these companies.
So stop applying for credit cards first of all, usually it take 6 months to remove all those stale your credit reports.
Secondly get a copy of your credit report, and know your credit win!
Third: Building credit: Your bank can acually relieve you in this situation. Go talk to a loan officer and appropriate a small loan out between $500.00 to $2000.00, even if you get a glorious rate take the loan and put the money contained by an intrest bearing depiction.
Don't spend the money!
Make your payments on time, even wages a little bit over respectively time for a least 6 months. It usually take this time for compaies to report credit.
If you use the loan money to pay it stern and over pay somewhat on each clearing the higher rate of intrest will not affect you so much plus, you should be earn intrest on the money to offset the loan intrest.
During this time do not apply for any type of credit!
Another method to go in the region of it if you don't want to do the loan is a secure credit card. Most bank offer them, works within the same principle as the loan you deposit $500.00 within an account and they issue you a credit card. If you use this card variety sure you keep up your payments every month.
The best course to protect and keep angelic credit is don't go to much within debt. There is no fast solution to getting obedient credit!
The idea is to aver your debt ratio to your income level.
Make an accounting of adjectives your bills vs your income, this is also how banks and other loan companies remnant decsions on loans on.
Take a class at your local college!
Ask you parents for advice!
stir to your bank and ask to borrow a small sum of money. don't spend it, but use it to wage back the edge. that will establish your credit history. ask at the bank for other concept.
gonna take time to build credit. you may want to catch one of those cards that costs 39 buck annually to get and use it consequently pay it stale, in a few monthes you will carry more and more offers - dont catch everything that comes in the post because it lowers your credit score
grasp one and buy groceries, pay it past its sell-by date, gas, pay it sour, etc
you eventually get a better and better mark and will get approved for a loan and accurate interest rate
Save cash for the sports car then when you own enough nouns it paying 70% down, pay 6 payments after pay it stale. You will have perfect credit and the 15% will be on a much smaller amount if you finance $1,000 the interest will be going on for $10 a month. If they still don't want to finance you find a cosigner. Give them the 6 checks to e-mail for you so they know it is being remunerated on time not ruining their credit.
Pay your bills on the dot . Join a credit union to capture the best car loan.
Starting out next to no credit is very sturdy.. Most places wouldn't approve you. I got lucky near my first one. I had to hail as them up and b*tch at them literally. Afterwards they decided to approve me beside a super high interest rate of 30%.
After a couple of prompt payments the interest will go down. Buying a vehicle with no credit, they will hand over you a high interest rate. you would other refinance it lower after 6 months.
good luck
Get someone to put you on a credit card they own, and only you use it. Make small charges and clear them off on the subsequent statement. Within a few months you'll get offer for cards in your own given name. Use them the same method. ~
Don't get cards you hold to pay an annual levy for!
Try getting gas credit cards. They usually have low restrictions -which is good - and are uncomplicated to get.
Join a credit confederation & get a Visa overdraft card. Try to seize your auto loan through them.
Try applying for a credit card at a major issuer similar to Chase. If you can't get approved for one of their cards consequently I recommend the Orchard bank card. It's for empire who want to build their credit history and are easier to get. To see these credit cards move about here http://www.ccvault.com/
you need to win a card from your bank
------------------------------...
http://www.bestcreditrates.web
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Find very adjectives info and tips on getting and managing credit cards on http://creditcardmanager.credithelperhom...
How long can a company lurk to charge my credit card?
Question:
OK...here's the situation:
I bought a purse from a store in the shopping arcade on 6/1/07. It is now 7/11/07 and they still hold not charged my debit card for the purchase...even though I used my card at the store and signed for the purchase. I want to know how long they can wait to charge me?
Answers:
As long as they want but they may hold lost your information somehow so contact them to make other arrangements to rate for your purse.
One year.
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Late Payments on Credit Report?
Question:
Is there any adjectives that a credit card company would delete late payments from your credit report? If so, how do you step about asking or finding out?
Answers:
sometimes if you enjoy a good origin for it having be late and if you've be in flawless standing with them for the most cut.. you just own to write a very nice missive and explain the situation.
Hi.
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Can I punch a hole within my credit card?
Question:
I would like to fetch my credit card on a string or keychain. Will it be invalid if I make a hole that does not interfere beside the magnetic strip?
Answers:
stir ahead as long as u dont mess with the strip and the numbers on it
Just shred it, they're doomed to failure news anyway.
progress to a bank and ask them or merely call. I wouldnt do that so thats what i would share you. But call and find out.
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Does it business how much you earnings rotten on a credit card respectively month?
Question:
***When trying to build great credit doe sit matter how much you salary off respectively month or just if it's prompt? For example, say I hold a $10,000 Credit Card and I'm looking to improve my credit chalk up. Obviously the KEY is making payments on time. The quiz is...WILL IT IMPROVE MY SCORE MORE IF IT WAS A LARGER BALANCE BEING PAID OFF EACH MONTH?
I ask because if my credit score will modernize a lot more because of paying more on the card, I am thinking around paying rent with it. 700 bucks a month individual paid stale in full compared to gas at 50 bucks a month.
DOES THIS MAKE SENSE?
HELP!
Answers:
FICO credit score are based on:
Payment history - 35%
Amounts owed - 30%
Length of credit history - 15%
New credit - 10%
Types of credit used - 10%
So HOW you pay envelope is more important than HOW MUCH you pay envelope. The credit agencies are also consider with you *debt-to-credit* ratio - let's articulate you have a total of $20,000 credit available to you for loans and credit cards (even if you're one and only using a small portion of it, that's how much you might be eligible for based on your current credit win, in this example). If you consistently but responsibly borrow and compensate back $19,999 of that every month, your creditors presume you are cutting it totally close and are therefore a risk; but if you merely borrow and pay backbone $1000 of that whole pie, afterwards creditors know you're not a big risk-taker.
That's my analysis, anyway.
I'm no expert but they look at both "outstanding debt" and "available credit" so I would think yes, it does thing how much you pay rotten in the sense that it affects those 2 numbers.
Now diligent because I've heard that carrying too much available credit can be fruitless.
Check amazon or your local bookstore there are plenty of books on this topic.
Are you conversation about how much you charge or how much you discharge each month? Since credit cards charge terrifically high interest, its other best to pay as much of your bill as you can. Anything you don't wages is a very illustrious interest loan that you are taking from the credit card company. In my opinion, its much more defining to avoid high interest charges than it is to hang on to a balance within the hopes it will increase some score within a computer somewhere.
Paying all of your bills prompt is paramount in establishing a fitting credit score. How much you rate is insiginificant as long as you pay the minimum transfer of funds amount but do try to pay past its sell-by date the balance on credit cards to avoid nouns charges.
Here are some additional guidleines to establish moral credit:
http://www.bankrate.com/brm/news/credit-...
I am contained by debt. Is nearby a bearing to find out what companies I owe money to?
Question:
I feel close to I am in so much debt that I forget who i owe money to and to what companies. Is here a way to find out some sort of schedule of what companies I owe money to?
Answers:
Go to www.annualcreditreport.com to get a free copy of your credit report. That will at minimum grant you the names of adjectives of your creditors. From there, you can G00GLE the company label to get more contact information.
You could write to every company within the country - but maybe you should start by collecting the bills you are still acceptance. Then contact the credit agencies for your credit report, which will list outstanding debts from those companies that report. If you owe money to the local plumber - he probably doesn't report so you will own to go from memory on some of this.
The easiest route would be to just catch a copy of your credit report. Go to www.annualcreditreport.com to get a free copy from adjectives three bureaus.
Fortunately you can get your free annual credit report once a year from Experian, Eqpifax and TransUnion.
Go to http://www.squidoo.com/obtainannualcredi... for a detail of ways to get your free anuual credit report (for free!)
That will probably cover most of your outstanding debt. Some may not show up on your credit report, but at lowest possible it will be a good start.
Yes, I would verbs a free credit report online at
annualcreditreport.com
then work to verbs up your credit for cheap through credit repair. Usually companies charge hundreds of dollars to simply pull your credit and dispatch correctly worded dispute letters—this is the key…..people will share you that you can do this yourself for free but the truth of the matter is that the credit bureaus will throw your junk mail away or simply reject them. There is an easy to use online tackle that will deliver the results you want available for just $19.95 at the source website. A similar tackle is being sold via infomercials and radio verbalize shows for seventy dollars more but they try to solicit you repeatedly for other services after the fact.
Get expensive tips on debt from http://moneymentor.cashmatter.info... . It's a very adjectives website.
Do you own to use a credit card to receive money on PayPal or can you use debit card?
Question:
Like, if im receiving money from a website, after do i have to enjoy a credit card? or can i use debit or receive it in check form? oh and is making a debit card free?
Answers:
No you don't necessitate a credit card to receive money on paypal. Yes you can request a check from paypal but it will cost you $1.50 and Processing Time can take anywhere between 1-2 weeks. And yes getting a debit card is free adjectives you need is to instigate a checking account and you can win a debit card. Or you can just obtain a prepaid visa or master card.
No you do not need a credit card to receive small amounts from Paypal. From http://pa2.info
You can use a debit card. Not sure roughly if it's free. I use my checking account to foot and receive money.
Some websites send checks but most do the paypal piece. Paypal only charges the sender, not the beneficiary. As for a credit card or a debit card, anything that has the word VISA or Mastercard will work.
I recommend you use the credit card instead of your debt card becasue of the protection Visa/MC/Amex give you when you make purchases for none receive items, disfavour items, etc...
You would need a recompense pal depiction to receive money. Pay pal charges a allowance for receiving credit cards as payments. You can receive whats set as a e-check, but it too has a charge attached to it. If you link a guard account, to your discharge pal vindication; then you can verbs the money the money into your bank. It is close to direct deposit, and there is no payment attached.
Stop playing banker on the net sites giving them your credit and debit card numbers with pin codes. Don't be so workshy go to the hill and make verbs... That is how money gets taken from your accounts---they enjoy all the info they involve to steal your money and make credit purchases.
Is this against the ruling?
Question:
I have be working with a lease agent on a home i be trying to rent. i recived a email today saying the manager decided not to rent to us base on my husbands credit, Then about two hours following she emails me again saying the tenant said he would rent to us for $50 dollars more a month than the house was renting for. she also said i don't know why he changed his mind perchance it is becasue your current landlord give you such a good referance. I am not sure but i reckon that is against the tenet.
Answers:
It's totally legal - he's taking a put off on your bad credit that if you flake and bail on your rent, at least possible he got a bit extra out of it to cover his expenses to win the eviction and prep it for another client
I'm not sure either. But I deem they have to administer 30 day discern before rent increase.
Hmm, that DOES nouns like it's against the statute. I'm not for sure, but I would contact a lawyer. They would know! Good luck!
It is considered an "adverse action" underneath the Fair Credit Reporting Act.
When an adverse action is taken to be precise based solely or to a degree on information in a consumer report, the FCRA requires the manager to provide a notice of the adverse dealing to the consumer. The notice must include:
the designation, address and telephone number of the CRA that supplied the consumer report, including a toll-free handset number for CRAs that maintain files countrywide;
a statement that the CRA that supplied the report did not make the verdict to take the adverse commotion and cannot give the specific reason for it; and
a notice of the individual's right to dispute the care or completeness of any information the CRA furnished, and the consumer's right to a free report from the CRA upon request within 60 days.
Rental Laws come and go from state to state and even city to city within the state. Check out your state's regulations at:
http://www.rentlaw.com/statelist.htm...
It is without fault legal. You are a credit risk, so he is asking you to retribution more now, contained by case you evasion later.
They are lower than no legal must to charge the same rental rates contained by all unit.
Bad credit is not a legally protected class.
How do I establish a polite credit rating for a small business?
Question:
Answers:
It's based on YOUR credit. Improve your credit and you will develop the credit of your business.
Hi.
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Target Visa Card!?
Question:
So i just get approved for a Target Visa card and i'm assuming you cant get lolly out on this card anywhere am i correct in assuming this?
Answers:
I enjoy one - it's just similar to a regular Visa.
You may want to find out what the fees are, but assuming you have satisfactory credit to make a lolly advance, you can do it close to you would with any other Visa (most any ATM) And your dosh advance limitation is a LOT lower than total credit limit.
There may be sandbank fees as well as the bread advance fees.
DON'T DO IT!! change advances will snuff out you!
If they allow you to get brass advances past its sell-by date the card, you can only do it at Target. Credit card next to businesses like Victoria's Secret, Wal-Mart, etc. are merely good beside that company.
It is a visa like any other visa card. You can find cash advance out of an ATM using your PIN (if you chose to be able to draw from cash advances). BEWARE, within are higher APR (interest) rates and fees for doing a brass advance.
i be only competent to get merchandise from their store, but their interest rates are really giant.
Is a credit win of 588 upright?
Question:
Answers:
Credit scores will extent from 350-850 with the average of those individual 600. A good credit win is anything above 650, and an average score is 620-650. Anything that falls below 620 is unanimously considered a bad ranking.
So to answer your question 588 is a desperate score. You should start to do some research how how to return with it into a good scope. Also if you want to learn more more or less your credit score and reports you should try this sites resource center: http://credit.privacymatters.com/credit-... They provide great details on credit score!
No.
Anything under a 620 is poor credit. A 588 isn't completely vile, but you won't get credit at the best rates anywhere, for anything, and will be decline by most.
Little things like making sure your credit cards aren't maxed out can fashion a big difference in your score. There's tons of info on credit management and scoring available adjectives over the web. Read up on it.
Not well-mannered enough for 100% financing on a home so no. You should do something close to credit repair to improve your mark so you can get out of debt faster, settle lower interest rates, and have more buying power. Usually companies charge hundreds of dollars to simply verbs your credit and send correctly worded dispute letters—this is the key…..relatives will tell you that you can do this yourself for free but the truth of the issue is that the credit bureaus will throw your letters away or simply reject them. There is an glib to use online kit that will deliver the results you want available for a moment ago $19.95 at the source website. A similar kit is human being sold via infomercials and radio talk shows for seventy dollars more but they try to solicit you repeatedly for other services after the reality.
Nope.
How can i find my ex who messed up my credit mark and owe money beneath my describe? How can i go and get him to money it?
Question:
Answers:
If you need to track him down, and enjoy his personal information IE full name, birth date and social warranty number there are private investigators that will confidently be able to find him. However, if you don't hold proof that he owes you the money or used your information (without your permission) I would not go through the hassle. But if you own proof and can track him down sue his ***! Good luck.
take him on one of those style guru shows like consider judy.
You probably need to sue him.
Private Investagators will find anyone you want them to, it will cost somewhat bit so the question is "is it worth it?" After locating him in that is not much you can do, take him to court but you own to prove you allegations are true and all the court can do is lay down him to pay it. I guess they could possibly put a lien on his wages if the impair is sufficient, Im not sure about that.
Track him down and clutch him to small claims court.
Get an attorney Quick!!
Now is this guy and ex boyfriend or husband? (Makes a difference)
If it is a credit card debt and both your names be on the account and you divorced or split up up to that time you separated your debts and assets, you may be in trouble. It happen to me and I got stuck beside loads of credit card bills that somehow he was competent to worm out of!! I ended up claiming chapter 13. It really sucked. But that be 10 yrs ago and thank God I am out from under that black cloud!! Best of Luck to You!
embezzle him to court..