how long will a auto repo stay on my text?
Answers:
The majority of repos stay on your credit a minimum of 7 years. Depending on if the company sues you for the amount you owe and you have a judgement placed against you for the amount owed it can be on your credit for as long as the creditor renews, sell or transfers the debt.
Other Answers:
7 to 10 years. 10 if their has be a judgment against it.
Source(s):
I'v have one.
7 yrs at least. From what I hear its worst to hold a repo then to own bankruptcy?!
contained by most cases 7 years for involontary repo's. For volountary repo's after you have salaried the credit company such as "ford motor credit", the difference in what you owe for the motor and what they sold it for at auction, your credit rating with them is exponged, and adjectives should be well. God forbid you involountarily have your vehicle repocessed.....
7-10 years after the whole amount is compensated. when the repo is done, the car is auctioned, let say you owe 10K if they auction your motor and get 6K you still owe the remaining 4k. It stays on your credit until 7-10 after that 4K is remunerated
Can I bring back my credit report in need paying to those internet companies?
Is there any path to find out how I am doing without need to pay any fees?Thanks:>
Answers:
Yes! You can draw from credit reports from all three credit bureaus for free at this website:
https://www.annualcreditreport.com" title="https://www.annualcreditreport.com">https://www.annualcreditreport.com...
If the companies try to get rid of you something extra, don't take it. But you must be allowed by regulation to get one credit report from respectively bureau for free, each year.
Other Answers:
yes, but you won't bring back your credit score. You can carry a credit report from each of the agencies once a year. They may try to supply you other features. Go to the link below.
Source(s):
https://www.annualcreditreport.com/cra/index.jsp" title="https://www.annualcreditreport.com/cra/index.jsp">https://www.annualcreditreport.com/cra/i...
yes you can. You are entitled to one free credit report a year. you can call them and they will convey you one. If you have a dispute when you win it you need to put it contained by writting as to what credit accounts you are disputing are not yours. Go to www.annualcreditreport.com. The government is providing consumers beside this site to be able to check their credit report and avoid credit card fraud. You can check it free 1X per year. You are competent to see your credit report, but not your scores. The bureaus submission to show your scores for an supplementary fee of around $9.99 per bureau.
Source(s):
www.annualcreditreport.com
You can go to annualcreditreport.com or do a scrabble online for the free once a year credit report that the government approved for every american. You DO NOT enjoy to pay for this. You may also know how to link over to this site from wpxi.com as they did a word story about this as ably as Yvonne Stanos on postgazette.com . If you go to a site and get hold of asked for a fee consequently you are on the wrong one. Sometimes you may have to print out a form to e-mail in to the credit reporting bureau to receive a printed credit report instead of getting it online but again, no charge for this. Hope that this helps.
Source(s):
annualcreditreport.com
wxpi.com
postgazette.com
Can someone steal your credit card number and use it to reserve a hotel room?
Answers:
yeah... and much worse
Other Answers:
Being done every day.
uumm...yes
surely. People do it every minute of every day. That is why you should other check your statement when it comes in and as soon as you own a dispute call them and next put it in writting.
YES-in certainty it's being done adjectives over the country right now...and very soon....and now....
duhhhhhhhhhhhhhhhhhhhhhhhhhhhh... yessssssssssssssssssssssssssss... what a difficult give somebody the third degree.................. a sure brain buster..........
unfortunately yes, if you hold a good cc company they will remove this from your bill and you won't be responsible. Usually they will distribute you a form taht you have to permeate out and submit (like a signed statement that it wasn't you). After you finish dealing w/your cc company you can contact one (or all) of the credit reporting agencies, let them know that you are a sufferer of fraud and that you want to flag your credit (free service). Anytime someone asks for credit w/your info they will contact you directly before it is approved.
would that really surprise you. worse is done each day. of course.
Does anyone own the address for Unique National Collections Agency? I enjoy an outstanding library fine.Thank?
Answers:
I have a notification from them I just received yesterday (library fines!) Unique National Collections-119 E. Maple St, Jeffersonville, IN 47130 I put them contained by the search engine looking for a phone number.
Other Answers:
I don't own an address for you sorry, but how did you find out about them. you might try the BBB they may own a listing for them. Their website have a listing for collection agencies. Otherwise however you found out around the outstanding debt to the library should have more information or you could other go spinal column to the library and ask them.
There are alot of agency`s listed but you could type
Unique National Collections Agency into any scrabble engine
Go to www.annualcreditreport.com You can get a free copy of your credit report from adjectives three bureaus and the address/phone number should be on there
Source(s):
6 years surrounded by credit industry
Is at hand an age consideration to return with approved for a mortgage or any other loan?
My great aunt is 100 years old. I doubt she'd seize approved for a mortgage.Answers:
There are no upper age limit restrictions. It is, surrounded by fact, considered discriminatory to enjoy special underwriting criteria for the elderly (unless they are special programs contained by their favor).
That said, if your 100 year old aunt have difficultly in reading/signing documents this may front to additional due diligence perform by the broker or lender to ensure she isn't being taken benefit of and thoroughly understands the transaction.
Other Answers:
No, within is no limit. That would be age nouns. As long as she qualifies next to her credit, income and property, she can get a mortgage.
18- anyone under the age of 18 is a minor, and consequently cannot engage contained by a lawfully binding contract.
The problem near your great aunt is that statistically she is highly unlikely to know how to fulfill a long term contract, and may be required to supply insurance for the mortgage- she might be approved, but it'd be so cost prohibitive, she might enjoy a better shot at winning the lottery. There is no maximum age define. If her credit is decent she may want to look at a reverse mortgage, if she is already a homeowner. These loans are very soon government regulated and can be a great source of income for retired homeowners.
And Yes, she should still know how to get an auto loan also.
is nearby anywhere i can receive a free credit report lacking a checking reason?
Answers:
I wish relations would stop recommending these sites where on earth you have to subscribe to some service to get hold of your credit report.
In 2004 Congress passed a law requiring the 3 credit bureaus to make available every one a free copy of their credit report once a year.
That site is www.annualcreditreport.com.
ALL OTHER SITES CHARGE YOU!
Good Luck
Other Answers:
by law you can achieve a free credit report once per year online at freecreditreport.com
www.annualcreditreport.com
can you find providian regulation suit resolution contained by year 2000 versus d.a. terrence hallinan?
Answers:
June 29, 2000
Providian National Bank has agreed to reimburse customers at most minuscule $300 million to about 3 million of its 13 million customers contained by a settlement with the U.S. Office of the Comptroller of the Currency (OCC) and the San Francisco District Attorney's Office.
Providian, the nation's sixth-largest credit-card issuer, be accused of deceiving and partially charging its customers since June 1995 by misleading them about its credit-protection plan, match transfers, annual fees and other services.
Providian said it disagreed with the charges but agreed to the settlement to avoid long-winded litigation. The bank also claimed that complaints against it own dropped sharply since it started a customer-satisfaction program last year.
The settlement be the largest enforcement action ever by the OCC and is the first enforcement feat under the Federal Trade Commission Act by a guard regulatory agency.
"We will not tolerate abuses" that breach the trust between banks and their customers, Comptroller of the Currency John D. Hawke Jr. said contained by announcing the settlement.
Besides the reimbursements and a $5.5 million civil fine negotiated by the San Francisco District Attorney, Providian agreed to adjust its policies and telemarketing scripts so that adjectives fees, charges and restrictions are accurately and fully disclosed.
In the past, Providian market cards with "no annual fee" but charged customers $156 annually for a credit-protection plan. Regulators said the guard also misled customers about the rebate and lower interest rates they would receive for transferring balances.
I am trying to se if theis company Infinite Financial is legit and if it is legit what category of company is it.?
Their company is Infinite FinancialP.O box 240
Clearwater, FL 33757
1 (866) 347-6671
They callled my husbund saying that they could confer him a $3000 credit card limit to try to restablish his credit but he have to put down a $300 deposite first in instruct to get the card.
Answers:
I work for a debt control company. I have hear of them they are a genuine creditor. If they are a suitable company or if that is other I don't know. What they are offering is typically called a pre-paid or somewhat prepaid credit card. they are very adjectives when you are rebuilding your credit. there are more economically known companies that you could dance through- talk to your dune, and I think paypal offer one
Other Answers:
They might be but it is not a great offer. Check beside the better business office or website. There is abundant secured credit offers around, purely G00GLE or yahoo search secured credit cards. I estimate orchard bank have some really good offer a while back.
Call the BBB within Clearwater. They would probably have a index good or doomed to failure on them and if they don't they will ask you for the information and investigate it for you. I wouldn't send anyone anything until you get a response from the BBB. They take a few months to bring back to you but they do draw from back to you.
They call me as well and told me that I have to give them 300 dollars and they would bequeath me the money back surrounded by vouchers to pay towards a bill. I dont know if it is well-mannered or not though?
BBB Reliability Report
The Better Business Bureau(R)
Serving Florida's West Coast
P.O. Box 7950
Clearwater, FL 33758-7950
(727) 535-5522 (24 Hours)
www.bbbwestflorida.org
Infinite Financial
PO Box 240
Clearwater, FL 33757
Telephone: (866) 347-6671
http://infinitefinancialcard.com
The BBB reports on members and non-members. If a company is a contributor of the BBB, it is stated in this report
BBB Definition:
report - A summary of hobby reflected within a company's BBB file. Includes important business background, BBB sponsorship information, and Bureau complaint activity over the previous three years. Also reports may include any agreed government travels, advertising issues or other information that results from hobby conducted by the BBB.
.
File Open Date: April 2006
BBB Membership: This company is not a member.
We are attempting to develop information on the company. At the present time we do not own enough information to issue a full report
BBB Definition:
report - A summary of leisure reflected contained by a company's BBB file. Includes elementary business background, BBB bias information, and Bureau complaint activity over the previous three years. Also reports may include any agreed government travels, advertising issues or other information that results from hum conducted by the BBB.
.
Customer Experience
The Bureau processed a total of 0 complaints about this company contained by the last 36 months, our standard reporting extent.
Industry Tips
Credit Cards and Charitable Causes
Evaluating Unsolicited Credit Card Offers
Online Credit Cards - Look Before you Click!
------------------------------...
Report as of April 28, 2006
Copyright(c) 2006 Better Business Bureau(R), Inc.
BBB reports may not be reproduced for sales or promotional purposes.
The information within this report has any been provided by the company or have been compiled by the Bureau from other reliable sources.
As a thing of policy, the Better Business Bureau does not endorse any product, service or company. BBB reports commonly cover a three-year reporting period, and are provided solely to assist you surrounded by exercising your own best judgment. Information contained surrounded by this report is believed reliable but not guaranteed as to accuracy. Reports are subject to transform at any time.
Who like Repo. agents?
Do you admire professional repossession agents or dislike them altogether? If you are for them and similar to what they do, would you still like them "if" they repo'd something of yours, such as - your coup¨¦?Answers:
It's just a available job.. Just like telemarketers... not a soul will admit to man one cause everyone hate telemarketers. You dont have to approaching what you do for a living as long as it puts food on the table for your family after it is a good piece.
I would not appreciate it if they repo'd my car (since it is payed sour.. not that they would want it since it is so old) but if I was astern in my payments I would kinda expect it.. nought in go is free and you cant live on credit.
Other Answers:
Banks and loan companies
If I were a ridge or a loan company and someone owed me yeah I would have to say aloud I would like them.
Since I am neither of the two and yes own had a vehicle many years ago repo'd no I don't really charge for what they do. No one likes repo agents. Not even their mothers.
is it doomed to failure to quash a credit card?
Answers:
It can be. If you cancel the card, and you enjoy outstanding debt on other cards or with something else, consequently your debt to available credit goes sophisticated which could lower your credit score.
The best point you can do is keep the justification open and only not use it. If you do use it, pay bad the entire balance every month.
Other Answers:
It depends on what the status of your card is. If you are current and own paid your harmonize, then no. If you call off because you're over the limit and geared up for collections then yes
Usually, yes. I've found that cancel credit cards reduces your "credit history" contained by the sense that there are a smaller amount places in which a unusual company can look to see your behavior. Definitely do not cancel your oldest card - I well-educated that one the hard road with my wife - it lopped past its sell-by date a few years of her credit history on her credit report (unambiguously a bad entry because longer history = good).
Source(s):
Experience.
If it is paid rotten, No. But, do not cancel more than one card every two months. Otherwise the credit reporting agencies throw up flags and that screw up all kind of stuff. For example; any retailer using a check verification service will not adopt your checks because it looks like you own credit problems. This happening to me when I moved from Texas to Florida. I closed two mound accounts in Texas and that flagged the check verifiers in need my knowledge. The subsequent time I tried to write a check at Target they turned me down.
No its not bad. If you hold one credit card and you cancell it then that could be unpromising because thenyou have no credit to show when you want to purchace something eg. a tentative home.On the flipp side if you have closely of credit cards then thats even worce because you could within thory go crazy and walk on a mad shopping spree. So you wouldent be a well-mannered risk for a company. If you do cancel a card gross sure that they send your a conformation message stating that you colsed the account and not the company. Ive hear that its better to write a letter a bit than call it within but I dont know if thats true. And of course you should payment it off back you close it that shows that you can stik to an agreement.:)
Not if you are paying it off; you can't abolish the account as long as you owe money on it. If you hold several charge accounts, cutting out one can in reality improve your credit evaluation.
If you owe a balance, consequently don't cancel.
If you enjoy less than 6 revolving accounts reporting NEAR ZERO BALANCES and no behind schedule payments then don't go against.
Go to www.myfico.com and look at the Credit Education section to swot more about credit scoring.
Good Luck
Can you discharge traffic fines contained by Bankruptcy?
My brother has no brief, no money and something like 20K within traffic fines owed to various counties. Can he aver bankruptcy and discharge those debts?Answers:
Actually, fines and taxes can be included within bankruptcy. You'd hold to do a Chapter 13, and government debts would thieve priority. This means other creditors won't capture a lot. For example, if you owe 5 splendid in spinal column taxes, and 3 grand surrounded by credit cards, if you can afford to pay $135 a month to the trustee, the tariff bill will get the most money.
You have need of to talk to a liquidation attorney; most of them will give you a consultation free of charge. (If they don't, be suspicious.)
Other Answers:
I'm not a liquidation expert, but as a general rule, fines imposed by the political affairs, and taxes, are NOT discharged in liquidation.
No. GOVERNMENT FINES, STUDENT LOANS, CHILD SUPPORT AND SOME INSURANCE CLAIM AGAINST YOU (SUCH AS DAMAGES INCURRED TO ANOTHER PARTY WHILE DRIVING DRUNK) ARE NOT DISCHARGABLE IN A CH 7. IF YOU FILE A CH 13, A "WAGE EARNER" BANKRUPTCY THEN THESE DEBTS ARE CALLED PRIORITY NON SECURED CLAIMS AND THEY WILL BE PAID FIRST, IN FULL. YOU WILL GET OUT OF ALL THE COLLECTION FEES AS THE FEES ARE DISCHARGEABLE.
why do adjectives students loans hold to be base on Prime rates? I in attendance any student loans that are fixed rates?
Answers:
Prime rate is about 3% above the federal funds rate(interest rate bank charge to each other). This is the lowest interest rate that bank charge only their most credit-worthy customers. Since nurture is so valued in our societies, most bank are willing to loan students money at the prime interest rate.
Fixed rate loans are usually much superior than the prime rate because the banks have to secure a profit at a fixed interest rate.
Other Answers:
okay I know that once u get a rate on a subsidised loan or unsubsidise loan u can lock them surrounded by......making the rates the same adjectives the way through
where on earth can i find some place within tennessee to reestablish my credit in need have to use a mortgage?
Answers:
Be suspicious of any "place" that takes your money and offer to reestablish your credit. You reestablish your credit by making responsible use of your credit over time. All those companies can do is help you remove false information from your credit report or contact companies who enjoy filed true information and appeal them to remove it. Once they have your money, you will be lucky if they do any one, and you can do the same entry on your own. That money is better spent by paying bills.
Other Answers:
get a secured credit card and repay it off monthly. you will get hold of other offers soon.
First past its sell-by date you need to be well-read about how credit works contained by the U.S. Every credit decision a lender make is driven by FICO credit scores. You can run to www.myfico.com and look in the Credit Education fragment to learn how FICO credit score are determined. To build your credit you have to place positive credit items on your wallet that will report positively for 6-12 months minimum. If you want your credit to be in the Excellent category (FICO chalk up 750+) then your objective should be to have 3-6 revolving accounts(dept. store, gas cards, Visa. etc.) WITH NEAR ZERO BALANCES and 1-2 installment loans(car, mortgage) that are reporting positively.
I would start out next to a Bank of America or Wells Fargo secured Visa card. Both banks hold great programs with low annual fees, low starting amounts ($300.00) and no unwanted items fees. After 12 months of positive on time payments you will graduate to an unsecured status. Then you will probably be approved for other cards such as dept. store and gas cards.
Good Luck
Who know lenders who will loan you money near poor credit?
Answers:
if your credit is too bad you will probably call for a co signer at a bank. Unless you travel to one of the finance companies where on earth they charge you high illustrious interest, they are more lenient
how tons dollars equal 14 million Pecos?
Answers:
If you are asking about "pesos" it would depend on which countries peso you be asking about. In the Dominican Republic where on earth I live we use pesos and the exchange to US dollars would be about $443,038.00
Other Answers:
between 6 and 7
$1.85 AFTER CONVERSION :)