do u hold to money for this interview n answer at RunEye.com?
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If you had to repay, they would have asked for your credit card number, silly.
Other Answers:
yes.. u owe me $5
No, you don't have to retribution money.
You do have to spend "points" for question.
no you don't hold to pay for this
its free
yes! its costing me a damn fortune! Yes, but maybe we can work something out.
Its free but we are connected with out by Internet,so we own to pay charges of using internet.
Yes, but simply for the internet connection.. LOLno not at all...........same time u wont catch anything eccept answers Would u ask this ques if u had to recompense for it?
my credit is not great,adjectives the fruitless is over 6 yrs.prehistoric.Why cant i get hold of a simple credit card to restablish it??
Answers:
Sorry I disagree with Action Jackson. If you reimburse off the card respectively month, you do not establish that you can make payments as required. For some drive, a O balance doesn't other cut it! Make payments, pay somewhat interest for a while and establish a payment register. Then you should go to the settle off monthly plan.
Other Answers:
first and foremost, your credit history go back 7 years. after 7 years, that company must reapply it to your history otherwise it is wipe off. you can also speak to the company that has given you the unpromising rating and come to an agreement to take the desperate off. if you own unpaid bills from back later, then step to a debt consolidation firm (becareful which one you choose). if nothing else, you might enjoy to try and get a secured credit card at a really giant interest. once you get the credit card, use it particularly wisely buy charging one and only what you can pay bad each month. depending on how bleak your credit is, you can reapply for a credit card with matching company at a lower interest after 6 months to a year.
once you have be paying on the card for 6 months (be sure to pay rotten the ENTIRE balance respectively month) call the card company and ask for a review to see if you can enjoy the card by yourself. keep calling every 6 months until you can attain the card by yourself. this way you will establish your own credit and minister to build it.
trade name sure your current employment and income is up to date along with address first. If you receive social services/disability and what you construct with combined income make you eligible be sure to weigh how bad you entail the credit your applying for. Most store/small business credit cards are decided on your credit report and hold little to do with your income....you can also include federal student loans. second, i own been told that sadly credit reports have be turned into the tell adjectives of bad accounts you have/had and when/if you enjoy current or past accounts that you currently wages on or pay sour in timely comportment they go unreported. I be told that you can request the good be added. if you are contained by position to request good current accounts be added, i suggest trying it.
Source(s):
life span 101 Ok what were u doing beforehand and during those 6 years? Didnt u knw that credit is like reputation...once ruined..take a lifetime to get established. So in a minute...its going to be a long and tedious process to establish accurate credit... Good luck.
Continue to build your credit next to secured credit cards/loans. Pay them off on the dot... and after 7 years..the bad ones will be gone and the new- "good" ones will give a hand you in your credit standing. DO NOT EVER BE LATE. Then you'll starting getting actual credit offer that are unsecured.
You can. Get a secured credit card with a minimal issue. Anyone can pretty much get one of them.Your credit score may be too low.
To establish credit you own to BORROW money and pay the installment prompt.
Apply for a secured credit card, use it and leave a small harmonize and pay over times.
Can some body administer me loan 20,000 Us$?for One Year?
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Not here they can't. No one will loan you money because you so flagrantly violated the guidelines of Answers.
Other Answers:
u should read the terms and conditions as okay as the guidelines before posing such question..
Not somebobdy...try the bank
What is your current Credit Score?
Does requesting a free credit report from the three agencies lower your ranking a short time ago because you asked for it?
I think I've hear that credit inquires(for seeking loans,etc.) of the 3 credit bureaus results in lowering the evaluation and is cumulative. The more inquires such as home buying, auto purchase, major appliance or personal loans the lower the rack up goes respectively time. If this is true, does it also apply to personal requests for the free annual credit report?Answers:
It will not be an inquiry if you request the report from the proper site. Inquiries do lower the score, but usually one and only if the inquiries are all chock-full together (showing that you are desperate for money). An occasional inquiry won't significantly lower your credit score.
Other Answers:
No, that request is exempt and cannot be see by potential creditors.
http://www.altavista.com/web/results?itag=ody&q=+free+credit+report+from+the+three+agencies+lower+your+score+just+because+you+asked+for+it%3F+&kgs=0&kls=1
What is the interest rate within Belgium on money and borrowings.?
Answers:
Belgium is a Euro currency country, so bank interest rates are set by citation to EURIBOR. The current bank overnight rate is 2.33%, twelve month EURIBOR is 2.748%. This is the equivelent of LIBOR or roughly the Fed rate within the US or the Bank of England rate in the UK, so to bestow you a more useful answer rates surrounded by Euroland (including Belguim) are low - in exceedingly rough terms c1% lower than the US or 2-3% lower than the UK
What is the maximum credit decrease for a macys credit card?
I have great credit. I checked macys.com but I didn't see anything in the region of credit limits.Answers:
Macy's resembling other dept. stores usually starts out new cardholders near low credit lines of $2-300. If you have great credit, intent you already have 1-2 installment accounts and 3-6 revolving accounts, afterwards why would you need another credit card?
The single advantage a Macy's card would grant you is the discounts they offer if you charge it to your Macy's card, otherwise a Visa or MasterCard is a better choice.
Good Luck
Other Answers:
all right like adjectives credit cards it up to macy's credit bank to wish based on your credit history, they usually start at 2000.
It depends on your credit score and your income, that will facilitate the bank wish on a credit limit for you. The time limit is different for everyone.
Finance grill. Will a hill adopt 2 forms of wherewithal?
I want to trade in a motorcycle within on another, but i need to pay envelope over MSRP. Will a bank appropriate the motorcycle and a payed off truck as collateral?Answers:
Actually you're speaking of two forms of 'collateral' and it can be done beside the right lender. The bigger question revolves around your knack to repay. Lenders typically view the collateral as a minor source of repayment to be used only if the borrower default. So, if you have stable income, a moral credit history, and your other obligations are not excessive relative to your income - you will plausible find a bank to be precise happy to fashion your loan.
Other Answers:
I would think so but I would influence it depends on the bank and its policies. Call and ask them. I'm sure they would want to see your truck & the shape it's surrounded by first. They may prefer to just flat out endow with you a secured loan on the truck. Actually, I think separating the loans into two would be to your benefit anyway. Then you can give somebody a lift that cash and money the difference of the new & out-of-date motorcycle yourself. That way if you defaulting on the truck your cycle won't be taken away. If you default on the motorcycle, your truck won't be taken away. I would run that route if I were you. Why furnish them both your vehicles lower than one loan?
Source(s):
16 years of lending and credit experience.
I bet they can't use multiple collaterals for a single item. I was a dune manager (7 years exp beside finance) and the big banks I worked for would not do that.
How do I progress in the order of getting contacts from a collection agency, for the mortgage business?
Answers:
CALL THEM AND OFFER THEM $50 OR $100 IF THEY REFER SOMEONE TO YOU THAT CLOSES A LOAN WITH YOU.
I AM A COLLECTOR AND I HAVE A FEW THAT I USE HERE, THEY PAY ME $100 EVERYTIME THE CLOSE A LOAN ON SOMEONE I SENT THEM.
GET THE PHONE BOOK OUT AND START CALLING
professtional credit repair companies?
Answers:
There is a specific law, the Credit Repair Organizations Act(CROA) that they are supposed to follow. The problem is most of them don't follow the statute. They make outrageous claims roughly speaking what they can remove and charge you up front for their services, both violations of the CROA directive. They don't do anything that you as a consumer can't do yourself. They just own a system that automates the disputes.
If you are unwilling or don't have the time after you could consider a legitimate Credit Repair Organization. The simply one I know of the follows the law is Lexington Law. I am sure nearby are other law firms that do but they simply do promote themselves like Lexington Law.
Good Luck
Other Answers:
Consumer Credit Counseling
too much money for that **** and if you be the person that messed it up no thing what you tell them, it will not comfort you and you still have to recompense
so suggest
just purchase credit cards from orchand mound and have them lend a hand you build it up
don't bother. all they do is let somebody know you to dispute info on your file, which you can do for free. the tenet says simply lenders can order facts changed so if they say too fruitless, the data stays and u remunerated some company for nothing.
Source(s):
worked for equifax surrounded by credit scoring
CREDITEASE DOT NET
Source(s):
http://www.creditease.net
They are adjectives scams. They will charge you a ton of money for things you can do yourself.
Read the links below.
Source(s):
http://www.ftc.gov/bcp/conline/pubs/credit/repair.htm
Can a merchant rightfully set a minimum charge amount for consumers who purchase items at their store?
Example: Your purchase must be over $10 before they will adopt a credit card. If it is below, you must use another form of payment.I am a merchant and most companies appropriate a percentage out of the daily sale and charge a fee, so it would bring in sense to not let general public charge $1.00.
In this question, store would refer to a personally-owned private small business contained by the retail industry. I don't recall seeing it contained by the contract or terms of use, but I could hold over looked it.
Answers:
You can set your minimums' at whatever integer that you want, the problem being is that you drive away customers who only use plastic for every purchase regardless of the cost. Remember these guidelines:
0-$10.00 crazy to charge but minimum not required
$10.00-25.00 ok to charge no minimum required
$25.00 - 100.00 charge away
over $100.00 priceless
You should not get greatly of people charging smaller amount than ten dollars if they do then they are the dumb ones, but run ahead and take comfort of them they will be back and possibly charge more the subsequent time. Remember you must take comfort of your customers and your main hope is to increase your business and your margins so you must at some times take a slight loss on some transactions contained by order to build business for the adjectives. Good luck
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It is not illegal at adjectives. I, however, look down on anyone who does this and avoid these shops.
As far as human being legal/illeagl: No it is not illeagal. As far as being objective: I also avoid those kind of merchants because I dont guess it is fair to hold to buy a minimum amount of goods surrounded by order to,for example,use a credit card.--Andy After managing a small business for 5 years i in reality lose money on anything under a $5 charge. We have a per transaction fee plus 2.5% of the transaction we have to pay the cc co's. Please try not to charge smaller quantity than $5 Everything will go up as expected in price if culture keep doing this.
Actually if you read your agreements with visa/mastercard it is a direct betrayal of their policies and if a customer is aware of that they can contact their card holder and recieve chargebacks for their purchase because of this policy and your business can be fined. Visa and Mastercard state in their merchant agreements that business owners are excluded to set minimum purchase amounts, put up signs saying they do, or charge a levy for using cards.
I believe the Visa policy is on page 14 of your agreement. It clearly states that you cannot impose a surcharge for using a card. The mastercard policy can be found within Chapter 6 pg 16.
If you feel you must do something to compensate your expenses due to credit cards then you can extend a discount for cash customers.
I will update you that there are more informed customers out in that than you may think. You necessitate to take meticulousness of your customers. Are you willing to lose a customer to amass a few cents for a small transaction on one day? Maybe that customer would enjoy come back for a bigger purchase but will shop elsewhere because they will evoke you charging them for purchase or refusing purchase because they didn't transport cash that afternoon and all they have with them be a visa/mastercard and didn't make a big adequate purchase. Word of mouth is a powerful thing to business.
Source(s):
http://www.mastercard.com/us/wce/PDF/12251_MERC_Entire_Manual.pdf
http://www.usa.visa.com/download/business/accepting_visa/ops_risk_management/rules_for_visa_merchants.pdf?it=r4|/business/accepting_visa/new_acceptance/merchant_responsibility%2Ehtml|Rules%20for%20Visa%20Merchants
yes a merchange is legally allowed to set a minimum charge, as said above I have an local five and dime type store tell me that my purchase have to be over 10 dollars to use my debit/credit card.
I felt really self-conscious when I was told that and go digging in my purse to see if I have brought enough currency with me.
I resembling to deal next to my debit card.
I didn't even have checks on me.
My purchase be only 6 dollars and some extraordinary cents.
The store is within 3 miles of where on earth I live and I have be back solely twice in 2 years because I don't want to verbs about have to have a 10 dollar purchase or dosh.
are within any credit cards available for 17 year infirm college students?
i got a debit card when i be 15 since i was a college student. presently that i will be moving out soon, i want to get a credit card to build up my credit. i know that most credit card companies require you to be at smallest 18, but since i was competent to get a debit card, i figure i could get a credit card as very well.Answers:
When my son went to college, I get him a Capital One credit card. They have ones especially for youth. As a parent though, I have to be a cosigner on it. I was also allowed to check the amount of available credit he had on the card.
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Oh ya, near are probably alot of credit card companies that would love to give a 17 year elderly a card. But, you should really think twice give or take a few getting one. It is so easy to run up a symmetry without even realize it. I had credit cards contained by college and ended up beside alot of debt. It haunted me for years. How you were a college student at age 15 is beyond me, unless you are a whiz, in which defence you can probably handle a credit card. :)
When you use a debit card, you're only access funds that are yours that you've put there yourself. With a credit card, you're 'borrowing' the money and i'm pretty sure that it's unendorsed to lend to minors. it;s the same for mortgages and loans. Sorry! adjectives are 18 debit are 15.
Debit cards and credit cards are comparatively different. I'm not sure where you are base, but in the UK you lawfully cannot take on debt of any sort until you're 18 - that's why your current (cheque/check) details can't give you an overdraft. It's not long to dawdle, and anyway it's better not to get into debt too rash. Yes, the more debt you take (and pay envelope back fully in need defaults) the better you look. But equally if you take out a loan on your 18th birthday it could be read that you have illegal loans you have to pay rotten quick-sharpish!
Source(s):
Used to work for a bank
Say, "Satan, take behind me." Credit cards are unsafe, evil. They tempt you to spend what you do not have. Save your money, invest it, later buy what you want from your money's earnings. What a nouns banks play by clich¨¦ you need to build your credit. Paying your utility bill in good time will do the same point. You're young, be strong and resist. Time is your friend, although I did not take this when I was 17. Ben Franklin be well aware of the compounded profits you will make over time from interest. When you use a credit card, the dune earns your interest, not you.
Source(s):
Read Rich Dad, Poor Dad by Robert Kyosoki and Sane Investing within an Insane World and books by Suzy Orman You can't legally enter into a contract until you conquer the age of majority (18.) A credit card agreement is a contract. Once you're 18 the credit card companies will be all over you. Be tight-fisted. The reality is that you DO hold to establish a credit history in instruct to get a mortgage someday and credit cards are bit of that. But they are very effortless to abuse.
You don't need a credit card to build up your credit. They can be costly and risky. Stick with your debit card and turn to http://www.daveramsey.com for some great advice in the region of money.
No.if a credit card company offered contract on total fee and you except will it come past its sell-by date your report?
I heard that if your credit card get turned over to collections and they contact you offering to lower the amount you need to salary them back, and you closing stages up taking that offer and payment it in full, that since you didn't wages the ACTUAL amount off, the impossible credit with that card will never come past its sell-by date your credit report. Is this true? If so how do you fix it?Answers:
WRONG WRONG WRONG!
Listen to me....they are all wrong!
Let me point out a few things around your credit report.
-Credit Reporting Agencies will only chronicle what the creditor tells them. Once it's on your text, the ONLY way it can be removed or modified is if the creditor changes/removes it, or if the creditor fail to verify the debt upon a complaint from the consuner.
-Anyone who tells you that it can not be removed or changed for ANY root is lying to you. Ask them to point out where within the law it prevents it? They can't, because it isn't at hand. If the creditor wants to remove it, or transform a negative report to a positive one, they can. It's their report! The one and only way they will draw from any trouble is if YOU file a complaint nearly a false item. And you surely don't plan to do that!
-Creditors (especially collection agents) will lie to their mothers if it money they can get money from them.
That said....the ONLY purpose you are offering to pay your debt is to acquire this negative report rotten your credit history. The ONLY leverage you have over the creditor is the money. Once you own paid, you lose adjectives leverage, and you will never get any cooperation from him.
So, since the collection agent have made you an offer to settle, gross a counter offer. Tell you you will pay packet his amount, but ONLY if he gives to you, IN WRITING, an agreement that they will remove the book, or change it to "paid within full, never late". Don't pay a dime, or agree to anything, until you gain this agreement.
Use the sample correspondence below to write your reply.
Yes, it can be done! Yes, I have done it myself! They will do it if to be exact the only method they will get your money.
DO NOT believe these populace who tell you it can not be removed.
Other Answers:
Once you enjoy a bad fleck it's always nearby on your credit. If you pay smaller quantity, you will now enjoy a bad mark off and a note that states that they settled the rationalization for less.
he's right. but "settlement agreed on this account" is better than an unpaid accout, or a collection.also, nothing is permananent except judgements against you. accounts (even fruitless ones) come off 7 years from the date of ultimate activity, collections come sour after 10 years. your lenders can ask the credit bureau to take something past its sell-by date anytime they want, so you might be able to work something out beside them
Source(s):
used to work for the credit bureau (equifax)
It will eventually come off your credit report. Usually 7 years after information is listed as compensated.
It does little to fix your credit. It should improve your rack up slightly, so if your overall FICO score is only just under some showing minumum to qualify for a purchase, then it may be worth it, but otherwise, it does exceptionally little.
The reason why it doesnt do much is because the commentary STILL MAKES NOTE OF THE FACT YOU PAID LESS. However, if you are able to attain them to agree, IN WRITING ONLY, that the account will parallel no "negotiated payment" then its worth it.
Problem is, most these collection agencies arent to bright so they wont know how to do it.
If you official a payment smaller quantity than what you owed on the credit card it is still called a charge stale, so the company you paid within all probability will sitting duck your credit report with a "Paid Charge Off". If it have been just this minute that you have agreed to reward them with smaller quantity than full payment you might be capable of negotiate another annotation they can place on your credit report and that is simply "PAID".
A "Paid Charge Off" will stay on your credit report, which will emulate negatively on your credit score for awhile, but over a few months and plainly over a few years the annotation will weigh less on your credit chalk up.
An annotation of "Paid" will simply stump your bureau and will reflect smaller number negatively on your credit report over short period of time and you credit evaluation will rise a little faster next to this annotation.
I hope this has help in some path. Good luck
The one thing that you must remember is that the debt will not count against you when you purchase a coup¨¦ or house. In other words the person you are attempting to purchase someting from will right now see that you have compensated the account and it will not thing the amount you paid whether the full amount or an agreed on amount.
It will come rotten your credit report after 7 years even though it will state settled for less prior to that date.
What cell phone providers allow monthly service short a credit check (deposit)?
My credit is beat-up, I am on a family plan next to sprint now but wont be within December. Im hope I can find something other than prepaid plans.Answers:
I can reflect of a few that do, cingular, sprint and also you could call around to check the deposit price and see who have the better one,,,K
Other Answers:
cingular
T-Mobile
All the major carrier will check your credit for monthly "billed" service. They will determine if you are required to provide a deposit or not.
Good Luck
Why don't you get a 'NOKIA' that have 'Virgin' in it. You can pick one up at Zellers, Walmart, or from the internet. You can carry prepaid cards from Zellers, Walmart, your cornor store, postoffice. On this little phone you have 'email' phone up waiting, message service, reminders, calendar, clock and a whole bunch of dapper things. Also if you are in a city, close to Calgary, Vancouver, Toronto you can make a nickname and its not long distance. But if they call you for them it is long distance. Another entity this is the phone they used in the movie 'CellPhone' This one works for me.
Source(s):
http://www.virginmobile.com
Cingular is your best best
have anybody hear of lexington directive firm? are they vigorous and do they do what they claim ?anybody used them ?
Answers:
I have used them for nearly 6 months now,and own about 10 items delete from my credit reports,they have done a obedient job,you can do it your self,but for 39 a month its worth it
Other Answers:
I if truth be told did use them for about a year and a partly and they actually did a pretty accurate job. I numeral it cost me about $400 by the time I cancelled out but by next they had eliminate almost every one of my negative items. So I would utter that yes they do what they claim.
I know exactly what they do too because once they mis-addressed one of the letters they be sending to a credit bureau. It was handwritten on a piece of creased paper and claimed to be me writing, and essentially they said the item on the credit report was wrong and that it wasn't mine and I considered necessary it taken off. The road it works is the credit bureau then have to verify the claim within 30 days and if they can't it have to come off the credit report. Do this commonly enough and somebody will slip up and not gain the verification done surrounded by time and so the item then have to come off. I used this technique once to acquire rid of a derogatory item myself. I had a $430 bill I owed to AT&T and refuse to pay it because they put up a cell tower surrounded by somebody's back courtyard...to make a long story short eventually the debt be sold to a collection agency in Florida years subsequent, and they reported it to Equifax. I sent the collection agency a very angry notification saying that the bill belonged to somebody else and not me; that at the time this bill be incurred there be another person surrounded by the same county near the same signature as me; that the bill was not mine and I demanded they find it off my credit report on the double. I was slightly surprised to get an apology reminder and the item disappeared from my credit report. This technique was very to the technique used by Lexington Law Firm... You hand write parcels on lined broadsheet and demand angrily that they purloin the item off because it is not yours...doesn't business if it is or not, they still have to investigate it and verify it in 30 days, so you keep doing this until they mess up. Equifax and Trans Union be easy, but the hardest one be Experian.
All in adjectives Lexington did a good opening but it's nothing you cannot do yourself if you enjoy no qualms about slinging greatly of BS. "Fast" is a relative term. I would say-so expect the process to take the better module of a year at least. This is because of the endorsement process and the repetiton of the same piece over and over in the instances where on earth things do not come off right away. But it is unquestionably not a process that is over and done within three or four months.
I would agree with the previous poster. Lexington Law, or any other Credit Repair Organization doesn't do anything that you can't do yourself. They enjoy to follow the law, the Credit Repair Organizations Act(CROA).
Lexington Law is one of the CRO's that follow the tenet and charge you after doing the work. Be careful of companies that ask for money up front to repair your credit or "promise" you that they can do something you can't do yourself. Both of these violate the tenet.
Good Luck
What can I do near small balance (~ $1.00) on Visa payment cards? (I hold a couple)?
I can't buy anything with them, I can't give the impression of being to be able to verbs into paypal or anywhere, I even tried donating the money and it didn't work. It's a shame to waste, any practical suggestions?Answers:
Maybe put the cards within your wallet, and next time you jump to a particular store you can combine the smaller number than $1 you have on the cards beside whatever else you are going to purchase.
Other Answers:
I don't realize your question. You can use it anywhere Visa is agreed.
Good Luck
Most people don't swing on to cards with smaller amount than a dollar.
ops.....nothing currently....maybe voting 4 buch will do some entity