Why is it taking so long to catch a response?
Question:I applied for my first credit card online from chase bank exactly one month ago. They told me that I would receive a response inside 30 days. Around half-way in-between those 30 days they sent me a memorandum saying that they needed a copy of my social shelter card and a copy of the letter recitation me, "We need to verify the identity of adjectives customers." (or something like that.) This be not a scam, trust me. It was plainly a legitimate request. So I go to the post office, copied my card and the communication, wrote "copy" on both of them and mailed to the given address. It have been 30 days already and no response. Did the request for the copy of my SS card hitch their sending me a response another week or two? Should I give up on this company and apply for something from 1st Financial Bank that they sent me contained by the mail? ThanksAnswers:
Wow! I enjoy a chase card but they did not take my through adjectives of that. I would check my credit report and apply for another one. You do not want too many inquiries against your credit. I also own Citibank and I love them. They have have enough time to breed a decision. Is nearby a number you can call and check the status?
Other Answers:
why not try calling them because I own never heard of a credit card company requesting a copy of a social deposit card.
Quit while you're ahead. Don't mess with credit cards.
You'll thank me!
Wow! I enjoy a Chase card but they did not take my through adjectives of that. I would check my credit report and apply for another one. You do not want too many inquiries against your credit. I also own Citibank and I love them. They have have enough time to produce a decision. Is at hand a number you can call and check the status?
I AM CORRECT!!
debt cosolidation affect credit?
Question:Answers:
Yes and No:
Applying for a debt consolidation loan and using it to pay past its sell-by date your other accounts shouldn’t raise or lower your credit win significantly in the short residence. While it does mean you’ve taken on bright debt, credit agencies look at your credit history as a whole and will minute that your other accounts have be paid stale. In the long term, if you net the payments on the new loan consistently for a year or two, it should ultimately reorganize your credit score.
...
You can adversely affect your credit rating if you turn to a debt headship agency to negotiate a settlement with your creditors for smaller number than you owe. This appears on your record as a ruin to repay what you’ve promised. Some agencies may also allow your accounts to go unpaid for months past they settle, which also hurts your score.
Other Answers:
If you refinance and roll adjectives your debt into one loan, your credit score will dance up.
There is a lot of apt info on this subject right here.
Source(s):
http://www.debt.jims-info.com/
Debt Consolidation check this:
http://www.askaquery.com/Answers/qn1643.html
does anybody know how long a individual is blacklisted within ireland?
Question:Answers:
1 month
Other Answers:
it all depends what length they be when they were blacklisted boom boom an irish ploy ha ha
Blacklisted for what? debt? or crime?
does anyone except provident do a small loan until payday that you could do a direct debit from your portrayal?
Question:Answers:
There are loads and loads of companies that do it. Ive not had personal experience of them though.
www.paydayuk.co.uk
www.paydayloan.co.uk
www.paydayloansuk.com
http://www.uknetguide.co.uk/Finance/Loans_and_Finance/Payday_Loans.html
Other Answers:
lol lol ...yeah sure
bread now... they deposit it into your edge account subsequent day and you can extend paying it rear for 6 weeks.
I don't know about the direct debit but you can ask small loans surrounded by the cash a cheque shops and if you own a sports car you can get more confidently
Is it possible to grasp a index of nation who enjoy be declared bust?
Question:Answers:
yeah you can. when you get a mortgage a bankrupty dig out is done on you.
You can search this register for free.
http://www.insolvency.gov.uk/bankruptcy/bankruptcysearch.htm
Other Answers:
no this is ridiculous unless you niock one from a bank or soemthing otherwise no.
About as possible as it is to find a list of those who have be declared millionaires.
Such a list does exist - i hitnk that due to facts protection reasons etc it would be dependant on why you want one
When you buy a house etc a check out is done on you to make such you are not on that account - therefore within has to be one out within somewhere.
If you live in the uk essay the question to 63336 - they answer almost anything - they might tolerate you know, cost lb1.50 though
x
Nope, unless you work for the Police or MI5
why would you want such a list?
Bankruptcy is a situation of public record. You can access this information by visit your local court house.
Of course a list exist otherwise how would anyone know (including bank and lenders that somebody is bankrupt) its normally held at the Bankrutpcy Court (the Strand surrounded by London) - if you call your local County Court they will describe you how to check if somebody is a declared bankrupt, a solicitor is another prospect. Good Luck
Source(s):
Mortgage Consultant
Yes you can obtain this information from the website of the insolvency service. The connection below will guide you there:
http://bankruptcy.org.uk/index.php?option=com_jd-wiki&Itemid=27&id=individual_insolvency_register
credit cards? please read.?
Question:where can i capture a credit card with little credit. i enjoy one capital one card. the restriction was two hundred and i reward ten dollars a month on it...i would like to find one similar to that .....doens't have to be a big check. but no prepaid cards. and please no reply's like...you don't involve one..or anything like that...you really don't know the circumstance. gratefulness all!Answers:
First Premier Bank have cards that are better than Capital One. You need to take care because some of the ones that are for high risk ethnic group like ones that call for to fix credit. They will tack on hidden fees and even hit you beside overlimit fees when it was their excise that caused you to be overlimit even though that isnt legitimate. I recommend that you pay your be a foil for every month or close to it while you are still using a high risk credit card because if you own a $200 limit and you are paying $10 a month on it after it will take you almost 4years to wage it off. Only close to $6 of that even remotely goes toward the principal. Figure it out $6 a month going into 200 is 33 and some transform so 33 months plus all the interest added on and you are at 4 years already and if you become overlimit they will hit you even harder. If you take-home pay it off every month when you can, afterwards you are eliminating their gift to collect that high interest rate they charge and you will still build up your credit and obtain credit line increases due to pay history then after around 18 months of that you can request a change of interest rate or switching you do a different product they submission. If they wont do it then you would hold enough established credit at that time to win a good card resembling Citibank or Chase and get a logical interest rate and good credit cut back vs. $200. You can contact the Federal Trade Commission for more information regarding credit cards and how they work. I own been surrounded by credit and collections and used to work for Equifax and Chase for over 17 years now and know this industry inside and out. If you enjoy any questions, I put the links to the FTC and to my site and email address below.
Other Answers:
buy something on ebay, and you will (I am almost definite cause it happen to everyone I know including me) get an application via email to recieve a PayPal visa card beside a $1000 limit
in good health you better be able to discharge more than ten bux a month. I am currently paying 1000 bux a month on mine because I couldn't control my spending. YOu could always ring Capital one and ask them to raise your cut-off date. If you are a member of a ridge, then you might know how to apply via your bank for a credit card or personal loan. Everytime you apply for credit, your credit ranking gets a moment or two lower so don't apply to too many.
Also, you should try to pay envelope more than your minimum payment on the other card. If you own one card that is in close proximity maxed out, it could also affect your credit rating.
The name looks sleazy, but a site call cheatatshopping.com has accurate recommendations for different credit cards. If "little credit" ability "poor credit rating", they have a sector on cards recommended for people next to poor or fair credit. If "little credit" system you want a low limit, after I suppose they could help you beside that too.
Source(s):
www.cheatatshopping.com
I used the site to find a good deal on a credit card beside generous rebate. You might go to Orchard Bank, HSBC and Bank of America websites. They own card selectors that you can do that will not pull rugged inquiries. If you apply for a card that is recommended to you, next it will pull a easier said than done inq. Keep in mind that even if a guidance is made, you are not guaranteed to be approved.
I'd stay away from trying to get another Cap One card. Cap One does not report your credit restriction to the credit bureaus. They only report your stability and that makes it look approaching you are always spending your cut back. Which makes your credit reports, and score, look bad. I found lots of honourable information here.
Source(s):
http://www.credit-cards.jims-info.com/
Can they do this: Old 'charged off' debt be 'bought' by a collection agency and REPOSTED on my credit report.
Question:I was checking my Equifax Credit Burea credit database today online. And noticed that a especially old forgotten credit card debt (providian, I think), be 'bought' by an agency and they reposted in surrounded by the current month's date on my credit report online. Is this legimate? It was charged rotten long ago, and I forgot about it. Can they 'make it more current' similar to that?Answers:
Echo is right...but I need to clarify something surrounded by her reply.
You need to be aware of two date. One is the credit reporting limit, and the other is the Statute of Limitation.
Credit reporting time is how long a credit reporting agency is allowed to report your debt. By regulation, this time is 7 years, beginning on the date of the delinquency.
Many collection agencies will transfer this date in proclaim to keep the report on your copy. This is called "re-aging" and it's crooked. You can file a extraordinarily simple small claims court suit against them and easily win $1000 plus costs and damages.
Statute of Limitations is the time that a debt become "legally collectable". After this date, the creditor can not sue you or hold any legal deed to collect. They can continue to try and collect the debt, but they are largely limited to purely harrassing you. That can be quickly stopped near a "cease and desist" notification. After they receive this letter, they can't contact you again, or they risk a small claims suit for (you guess it!) $1000.
The date of the SOL begin on the last transaction. This is a remarkably grey area, I'm finding. Sending them a giving will restart the clock. Offering to pay it can sometimes do it. I've read a quantity of court cases on this, and the judges can't seem to be to get together on purely what constitutes a "volation" of a contract. So it's best not to even talk to the collection agent, or brand name it clear from the beggining you are NOT offering to pay them anything.
Read the intertwine below. It goes into adjectives of this, plus has a roll of each state's Statute of Limitation.
The subsequent link go into the procedure of how to force the creditor to validate the debt, and dispute it beside the credit reporting agencies so it can be removed from your record.
Still entail help? Just ask. The judgment these collection agents get away next to it is because you don't know the law, and don't know what to do to watch over yourself.
Now you do.
Other Answers:
Yep, it happens adjectives the time. The buying and selling of charged off debt is BIG business at the present time.
Yes. Charged off does not connote that it is free from obligation, single that they cc company wrote it off as bleak debt. They do have the right to supply it to someone willing to collect on it, and it consequently becomes current debt. I would suggest calling them to work out a settlement. Yes... and they do.. the old collection should record that it has be sold or transferred though. Check it out. I know it looks bad. Have you tried settling next to the collectors for less than the amount due? Try it. Get the collection showing rewarded that way you don't own to chase around your collections. Good Luck!
The date of last hum is the last time anyone have done anything regarding the sketch. That would be either you making a transmittal or using the card/ or the creditor selling the account, charging it stale as bad debt or moving it into a taking back status. Most people suggest that date of last amusement means the second time you used the card but it doesnt. If the charged off date is more than 7 years ago next they cannot report to the credit bureau but they can continue collection hard work. No collection agency is going to purchase or even obtain contract treatise that has be charged off for 7 years. It would be a gamble away of their time. I have be in credit/collections for over 17 years and used to work for Equifax itself as resourcefully as banks close to Chase. I now work for a collections statute firm and have my own business as all right. I can assist you in credit repair as okay as disputes that would hinder your credit rating. I enjoy settled accounts for many relatives including Alan Alda in 2001. Let me know if I can assist you within any way. I would be content to do it free of charge. I would only ask for referral by word of mouth. Below is my website and the net address to the Federal Trade Commission in the screened-off area of the Fair Debt Collection Practices Act and an email to contact me if needed.
Source(s):
www.skip-er-tise.com
www.ftc.org/fdcpa
request.info@skip-er-tise.com No this is not legal. They can buy the debt and report the debt and even try to collect the debt but they can NOT account it as a new debt next to a more recent date. The charge off date must remain like. Debts are to be removed from credit reports 7 years from the original charge past its sell-by date date.
Contact the credit bureau to dispute it and if that does not help contact your states attorney standard.
http://credit.about.com/od/fastfactsfaqs/f/reportperiod.htm
This page have some links to other resources that might help you.
Source(s):
http://credit.around.com/od/fastfactsfaqs/f/reportperiod.htm Wow anginfla, have you ever read the FDCPA, FTC or FCRA????
Oh, keep on, I see that you worked for Equifax and collectors sooooo I guess not.
By the way, I don't judge Alan will like seeing you use his signature to advertise your business, which you appear to like to do.
The date of closing activity (DOLA) "is not" the ending time just anyone have done anything regarding the reason.
That date comes from the first time the debtor became 30 days belated and never brought the account current preceding the charge rotten. The only time a debt can reasonably be re-aged is if the "debtor" had brought the vindication current, or, if allowable in their state, made a foreign contract to pay.
They can verbs to try to collect the debt long after the statute of limitations for reporting or collecting has run. They cannot join it to a credit report if it is past the innovative legal reporting spell. They cannot legally sue if it is previous the statute of limitations to collect.
As far as a collection agency purchasing an old debt, that's exactly what second-hand goods debt buyers do. They do not care how antiquated the account is or if it is previous the statute of limitations to collect on.
They purchase the debts for pennies. If only one out of a hundred debtors repay up, they are still making money.
Anyway, to the original poster - what is your definition of "Old"? 3 years, 5 years, 10 years?
You stipulation to learn the statute of limitations within your state. If you find that you are out of the statute of limitations in your state, convey the collection agency a debt validation letter and dispute the justification with the credit bureau.
After you receive a response from the collection agency and you are positive that you are out of the statute of limitations, distribute them a SOL letter.
Source(s):
http://creditboards.com Hi Searcher,
Regardless of when a collection agency receive or purchases a debt for collection, it cannot legally report the debt longer than seven years from the date that the rationalization first became delinquent and stayed delinquent. If the seven years are almost up. These items should drop bad your credit report as required by the Fair Credit Reporting Act.
Information about a lawsuit or an unpaid shrewdness against you, however, can be reported for seven years or until the statute of limitations runs out, whichever is longer. So, if the collection agency sues and wins a acumen against you, that information can be placed on your credit report.
The Fair Debt Collections Practices Act spells out what steps a creditor or collection agency can take contained by pursuing repayment, steps you can take to stop a collector from contacting you, and how you can profile a complaint against a collector for noncompliance with this work.
Echo is right, however I would like to point out what can re-date DOLA.
Calling and making any loving of payment arraignment can freshen the date.
If I see that some one is 6y6m on a applicable derog., I convey them to absolutely depart it alone.
Good luck,
~Trey
Source(s):
Looked at thousands of credit profiles. This is not legal but remarkably common. You must contact the company that is to say attempting to repost your expired debt and deny the claim completely if your community's statute of limitation have expired. Your local legal clinic can provide you next to your appropriate laws.
Unless you want to compensate the original indebtedness within it's entirety (plus late fees and penalties), do not fashion any offers to income even a single penny on this claim. If you accept responsibility surrounded by word or action they can renew the debt and it become "current" again (and actionable). ILLEGAL - it's called a "scavenger debt collector" They cannot post it UNLESS you promised someone to brand name a payment or hold made a payment to the collector. If not - simply beckon them or write them and tell them it is PAST THE STATUTE OF LIMITATIONS AND YOU DO NOT OWE THE DEBT. THEY MUST REMOVE IT FROM YOUR CREDIT REPORT.
This is lone true if it is past the 7 year smudge.
I hope it helps! Go get hold of 'em tiger! do you think it will magically disappear
no situation who says they can serve you I'd be kind of suspicious of that
What is the best credit card of india?
Question:I am a softwareprofessional from india. I have two credit cards. One from SBI which I am using for the finishing one and half year. Another is from icici ridge (big bazar) which i received only a month ago. I receive sevearl phone call from various bank regarding their credit card ofeerings. So I only want to know which cards have the best features near a clean track dictation?Answers:
You can go ahead near HSBC, SCB & Amex, all these are equally gud and also they bequeath frequent offers for your transactions. I individually use all these.
Other Answers:
The best credit card is SBI card.
Reason for this:
1. Even if you are not paying MAD(Minimum Amount Due) also they will be charging the interest 2.95% on monthly spring.
2. The remaining cards are charging 2.95% on daily cause.
3.They are covering accidental insurance minimum 5-6 Lakhs.
4. lately few of cards like SCB they withdrawned adjectives insurance polices.
My suggestion choose SBI card and enjoy.
Regards
P. Ananth
What is the best credit card of india?
Question:I am a softwareprofessional from india. I have two credit cards. One from SBI which I am using for the second one and half year. Another is from icici hill (big bazar) which i received only a month ago. I receive sevearl phone call from various bank regarding their credit card ofeerings. So I freshly want to know which cards have the best features next to a clean track transcript?Answers:
You can go ahead near HSBC, SCB & Amex, all these are equally gud and also they endow with frequent offers for your transactions. I one-sidedly use all these.
Other Answers:
stir for SBI otherwise u can also take ICICI
Probably HSBC
USA - UK Debt?
Question:If you have credit cards debt within the USA of about $20,000 and you are NOT a USA citizen and you move put money on to your country (England). What can happen within your opinion, I know the credit cards are unsecured debt. Can they chase you to another country (interpol) or is it basically a bad debt? Do you feel this will make a problem if I want to come spinal column into the USA as a tourist in the adjectives?Answers:
Ooooh yeah, do you know that the three countries USA owes the most to - Japan, China & UK.
frontage a serious summon, abt $8K, stipulation give support to...?
Question:Answers:
OK, need oblige with what?
With what little info you own given, about the individual advice I could make available is to consult an attorney.
Better yet, if you owe the money, PAY YOUR DEBT.
Other Answers:
i could use that too
I'm within school. The college get all my money.
write me
Go to http://www.ccs.org.sg/help.html, they will relief you with the summons and the debt.
email me at toiletmarquis@yahoo.com.sg,tha...
I ducked out on my student loans and want to breed it right?
Question:I graduated college seven years ago and never remunerated my student loans. I am just getting rear legs on my feet contained by a foreign country but would like the risk of returning home some day. How do I start getting on the repayment footprints?Please note: I don't remember my old-fashioned US addresses (I moved alot surrounded by college) but I do know the bank and my ssn.
Answers:
If these are subsidized stafford loans next they are backed by the US Department of Education and you can contact them directly. They own a program of amnesty right now that you can acquire into and it will consolidate your loans and put you at a positive credit rating so you can start all over again beside repaying the loans. If they are unsubsidized, then you obligation to contact the bank that issued them and share them you want to try to pay and see what they will do for you. Some will consolidate into another loan and others will allow you to do what they send for a "re-age" or "cure" program which involves 3 consistent payments at a pre-assigned amount to bring the account to a current status instead of non-attendance and then you can salary on them as you would have up to that time. If these are unsubsidized and are older than 1992 later it is possible you can discharge them in ruin if you needed to. there is set guidelines on the subject of the discharge of student loans in collapse but there is that route pending you run into certain guidelines. below is the connect to the US Department of Education to see if your loans were subsidized or unsubsidized and my website and email as all right if you need further assistance.
Other Answers:
they've GOT your ss number...come final, they'll find you
Contact the bank and start ASAP. If you ever come final these guys will deal you a world of hurt similar to you have NEVER see before. They are the singular agency other than the IRS that can attach your wages WITHOUT a court audible range. I'm not sure but you should take charge of that soon. It has be 15 years since I've graduated and I newly started paying 2 months ago. It has really messed up my credit and I'm outset to wish that I'd taken attention to detail of this years ago.
I found lots of good information here.
Source(s):
http://www.debt.jims-info.com/
Is within a a billion bill?
Question:I saw it in "Fun next to Dick and Jane".Answers:
Uh, no. Who would be able to engineer the change?
Other Answers:
No nearby isnt
The largest bill in broad circulation is the $100 bill There is no such thing......I believe the top actual bill that is used is $100,000. In veracity of course, the great bill in regular circulation is the $100 bill.
Hope this help.
no but there be a 100,000 dollars bill. No
How can I consolidate my PAYDAY LOANS?
Question:I have horrible credit and have a few emergencies lately (real ones)! I hold a repo, my car broke down, 10 payday loans adjectives coming due the same date......i need lend a hand. Where can I consolidate junk loans resembling these and pay them bad all at once. I necessitate alender or something that can give me a loan to retribution thema n and get a small saloon! any help?Answers:
I work for one of the largest nouns companies in the US. If your credit chalk up is below 520 then you stand little unpredictability of getting anyone to lend you any more money. You have to look at it from their prospective. It sounds resembling you don't pay your bills, so why would anyone pocket the risk. Thats what people really don't know. A good credit mark is built on history of how well you enjoy paid within the past.
Your with the sole purpose choice is probably bankruptcy. As far as getting a vehicle, you can go to a "tote the note" places.
Other Answers:
record bankruptcy, not a soul will loan you money
sorry, man looks like liquidation your only option unless u hit the lotto. quickly Look for the fruitless credit auto loans in your nouns. The interest will be high, but you'll win a car.
how to solve student loan failure to pay?
Question:Answers:
Pay it.
Other Answers:
contact your loan holder and ask for a forbearance or deferment if you have be in contact they will usually give a hand you out
pay it, you will never buy a house or carry an IRS refund beside that over your head
There is some adjectives tips here.
Source(s):
http://www.student-loans-refinancing.jims-info.com/
Contact an agency who consolidates defaulted student loans (William D. Ford is a honest one). You will need to attain into the student loan rehabilitation program for 12 months. Once you consolidate your loans, make sure you PAY them in good time from now on. After twelve (12) months of paying the loans prompt, you will be out of default status. This is an excellent track to rebuild your credit because student loan defaulting RUINS your credit and you won't be able to purchase life-size items (such as a home). Please keep surrounded by mind, once your student loans have be successfully rehabilitated, prior delinquencies on your credit report suppose to be removed (read the higher rearing act of 1965 and the 1998 admendment). You can also turn to http://www.carreonandassociates.com to read further information on defaulted loans. Good Luck