Does a corp credit card explicitly distributed by your employer & salaried overdue by your employer hurt your credit rpt
My company distrubutes credit cards to managers for co. expenses. I turn my bill surrounded by timely for approval, but my regional vp does not approve timely thus making my payments late to the credit card company. Does that walk against my personal credit rept and reduce my credit ranking?Answers:
If the card is in your mark with your social shelter
number, yes it could hurt your credit rating. Check with
your employer, or give the name the credit card company and find
out.
Other Answers:
Yes. The cards are in your dub not teh corporation. You are totally liable for the bill per your company disclosure agreement.
If the card say "Corporate Card", they will not go after your credit rating unless YOU scam them. They usually inform the corporation first if the card contribution is late. The corporation is typically liable for adjectives charges, even though it's in your cross. If this is the "corporate credit" that I'm assuming it is, it has unquestionably nothing to do near you personally or your credit report. Now reason for a moment, did you apply for it? I highly doubt you did. It's corporate borrowing contained by the form of a Visa/Mastercard/American Express account and have nothing to do near you, but it's something that many companies tender managers for expenses related to travel, client relations and expenses that are needed to "close a business deal". These aren't your expenses...they are the company's debt they must foot off. When they do that, hasty or past due have nothing to do beside you in the most minuscule. All companies do audit the accounts so make sure the charges are for business with the sole purpose and not personal use. The only explanation your name may appear on it is for indentity purposes, but it's a corporate card, not personal credit. I'm really surprised you didn't realize this at the commencing. It's a very adjectives element of corporate America. Think logically for a moment and say aloud to yourself if it makes sense for a company to expect you to hold revolving credit in your moniker for the sake of the company? The answer is no and it doesn't happen. It's wrong for you to carry the burden of debt for a corporate entity as an member of staff. A corporation is a seperate entity from that of it's owners, employess, and shareholders and thus not responsible for the debt. All expenses are paid out of the corporate entity's asset brass or through further debt accruel.
Corporate Credit Card issuers enjoy different policies so the only channel to know is to check your credit files and see if it is reporting and how.
Go to www.annualcreditreport.com and review your credit files to see if and how this card is reporting on your credit file. It's free by decree and you can check your own credit reports once every 12 months.
Good Luck
what would u do if u found a $1000 on a street?
look for owner?keep it?
spend it on what? urslef? someone homeless?
Answers:
Truthfully, I'd hold onto it. I would afterwards read the papers in the lost and found passage every day for a week or two. If someone be looking for it, I'd contact them. IF they could tell me how much be missing and in what denominations Like four hundred within twenties, and the rest in fifties and hundreds. And this is what I found consequently I'd most likely return it. If not a soul ran an trailer for it after like a month or so, I chew over I'd claim it as mine.
Other Answers:
Run into the nearest mall and don't look put a bet on.
go to the police station and turn it surrounded by
take it .. retribution off some debts.
I would exchange it for singles and go in swimming in it next to a kiddy-pool.
I would probably donate it to a charity after a certain interval of time if no one reported it missing.
$1000...hmmm. I'd hold the money, by myself a diffrent car, and a current computer!
buy 1000 double cheeseburger from mickey d's =D
I would hold onto it for a week and see if the owner tries to get comfort from the news. Then I would hang on to it. I would give it stern if they really needed it, like the currency was dropped by a charity or something.
RUN LIKE HELL
You hold to remember that $1000 is not a lot of money.
The right entity to do is look for the owner / turn it in. I have a feeling that with such a small amount and corruption it would be of late as easy to pick it up and maintain on going.
I need some brass for my vacation at the appendage of August in the Nevada desert.
Homeless, they should enjoy found it not me!!
I'd be as happy as a kid contained by a candy store with a pocket full of base... Go straight to the bank and deposit it, and thank God for the answered prayer.
Assuming in that is no way to find the rightful owner consider it yours to do as you please. It would unsurprisingly be a good entry to share a portion of your windfall with a charity or religious outfit of your choice.
Give it to somebody who really needs the money.
Homeless individual
Friend in call for
Family member who requests money
or
start a savings fund for your kid
how can i find my credit card issuer?
Answers:
Phone number on the back of the card, bid it and see what they say. 2. Look at your credit report.
Good luck
Other Answers:
look at the vertebrae of the card.
www.cardweb.com
Have you looked at your credit card?
..how do these people survive surrounded by this world?
If it isn't on the card phone the 'phone if lost' number.
Failing that chek the bill :-)
LOOK @ YOUR CREDIT REPORT
What to do when contracts are signed below false information. they told me it be not a contract?
They told me I signed the rules and regulations, not a contract. now im getting suedAnswers:
The contract is invalid if you can proof it.
It also depends what you if truth be told mean by false information.
If you are getting sued, afterwards get a legal representative. This is one of those times you need their expertise.
Other Answers:
Youre screwed unless you hold a good legal representative or a good witness
I would contact the better business bearu and afterwards consult with an attorney. If you are eligible decriminalized aid should be able to relieve you or at least supply you some legal proposal.
TinaTracy, please quit recommending the Better Business Bureau to solve problems!
They are totally worthless, they enjoy no legal authority, they will not spend time and money to assist the consumer. They are a group of business owners who attempt to "self regulate" themselves.
You don't travel to a fox to complain about another fox butchery our chickens, do you?
In this case. unless you hold a witness to support your claim, you are not going to have a correct case.
Any time you sign anything, the consider will assume that you have read it first. That's why you own to sign them!
And your excuse about it with the sole purpose being "rules and regulations"? Isn't that what a contract is?
I'd entail more info to advice you further. Just consent to them sue you and let the go-between decide.
looking for information on mbna canada credit cards?
Answers:
Visit http://www.mbna.com/canada/index.html for MBNA's Canada homepage.
is this amalgamated british lotto a scam?
Answers:
In the UK there are two lotteries.
The National Lottery or Lotto and the Monday Lottery which starts on 8th May.
Any emails or mail claiming to be from other british and/or UK lotteries are scams.
http://www.national-lottery.co.uk/player/information.do?info=commonscams
Other Answers:
did they email you. any international lottery that emails you and say you won is a scam.
yup
Yeah, I got adjectives excited when I got that check surrounded by the mail. On investigation, I realised that
1) The edge doesn't exist.
2) That United Trust Corporation in Dublin doesn't exist.
3) The BBB reports that near is no response from these companies when problems occur.
My examine is, what would happen if I deposited the check?
Source(s):
BBB website,Yahoo Yellow Pages.
Yes it is a scam I recieved a reminder today and we went straight to the lawyer office to find out if it be real or not.
If you didn't wages money to enter this lottery, it most certainly is a scam.
Here are the hallmark of a lottery scam:
You never paid money or bought a ticket to enter.
Your "winning" notification is probably not personalized.
Your "winning" notification come by email, probably from a free email
address such as yahoo.com or msn.com.
The way this scam works is, if you respond to the email, after one or two email exchanges near the so-called "lottery officials" or "claims agent," perhaps accompianied by some allowed looking but fake documents, you will be asked to reimburse fees for "taxes" or "handling" or some other reason. This is the scam, you remuneration the fees and never see any winnings, mainly because in that are none to see.
Source(s):
www.fraudwatchers.org
Can you give me PROOF that the United British Lotto is a scam?
today i received a check for 2998.85 this is a scam. I also received a memo saying that if we deposit the check we receive 95,000 dollars. its a existing check from bank of america. I call to verify the check and its not a real rationalization. so please if you get a message from international brittish lotto please call the authorities thank you.
How can the Credit card culture draw from a cell phone number?
The Credit card people call upon me all the time on my cell phone because I requirement to pay the bill but is it court for them to call me on my cell phone more or less 20 times a day or is that newly harassment?Answers:
Send the credit card associates a cease and desist communication. By law they must quit calling you.
They get it because it somehow got into your credit report (maybe when you signed up for the phone) or by applying for credit somewhere.
How do I seize my deadbeat ex to discharge a lone to be exact contained by both our name. I'm disabled and can't work?
The divorce decree states that he is responsible for the pmt's and the courts ordered it be sold upon divorce. I've other had AAA credit, very soon it seems I am soon to capture a judgment over this. Any assist would be greatly appreciated.Answers:
guess you have no $ for attorneys. try officially recognized aid for the disabled ,or just legitimate aid. they assist free or minimal for low income. the bum will get his ...
Other Answers:
Hire a firm I own used in days gone by. The firm is called DS International Recovery Bureau. Very effectual and Professional. E-Mail me and I will give you the phone number. bdj613@yahoo.com
You will have to sue the ex within court to recover. Unless you hold a Friend of the Court system in your state that will abet you out.
How can I gain a credit card when I turn 18?
Can you find applications I meen...do you have to dawdle for them to offer you one? And do they ever contribute you one even though you dont have any credit?Answers:
Credit cards are jammy to get. TOO graceful if you ask me. You can apply online, call the company, or apply through your sandbank. BE CAREFUL though because they will give you a card and a maximum constrict and it is so easy to a moment ago start spending. I have a friend who racked up credit cards when she be 17 and 18 and she barely, just paid them rotten (she is 27). They are not your friends. Make a habit of simply spending what you make and have one to only use within emergencies similar to unexpected sports car repair. Good luck and God bless.
Other Answers:
steal some ones identity with excellent credit. If you can catch away with it great, if well enkjoy the stuff you capture before the 20 years within jail
you dont hold to wait , only just go to a dune and ask for a form, fill up & submit it to them, u can also do it online
usually in recent times open the messages. if you dont get letters, get on one of their internet sites and apply. Chase will usually be the first to proffer one. They usually go for general public without much credit.
stir to the bank an unseal up a secured credit card. For example they give you a vein of credit for 500.00 you give the edge 500.00 to secure it.
Truely you don't want a credit card EVER!! They are a trap! Even used prudently a credit card costs a lot of money every year.
Look into a debit card, usually tied to a procession of credit tied to a checking account. You will hold the credit card symbol on the card and use it just resembling a CC. But since the money is in the edge you are withdrawing like a check. If you overdraw after there is a bit money to back you up that you efficiently pay final.
my credit mark is 578! which is the best and the fastest route to increase my credit ranking?
i have 3 credit cards, credit lines are $1000,$800 and $800 and a store credit card for $800, and some infirm bad credits long time ago.Answers:
Depending on what your goal are. If your credit limits are almost maxed out, you would requirement to reduce them to at most minuscule 50% of the allowable line. If you currently hold judgments or charge offs, next you need to address them by paying them rotten. Once you have rewarded them, you want to obtain a note of satisfaction from the creditors. They other say they will update the bureaus, but it have been my experience that they once in a while do. You will need those correspondence as proof that you have content those accounts. If your accounts are really old (meaning almost reaching 7 years), I would give up them alone. Other than judgments, bankruptcy and foreclosures those line items stay on your credit report for 7 years.
Other Answers:
Do a review a of your report and dispute anything that you deem is approximate, this would include anything that doesnt give an actual amt owed.
Try to pay rotten all those cards ASAP. Take protection of anything else negative on your credit report and ask the lender once it is taken exactness of to make memo of it to the credit agencies. Do not apply for any new credit cards or loans for any use until all is taken diligence of. Once you get your self pay for on track to keep it that path do not max out cards. Pay your bills on time every month. Even one time of individual late can copy on your credit report. Do not apply for too much credit at one time. Too many inquiries on your report can bring down your ranking as well. Good luck.
Once my portrayal have be given to a collection agency, can they pocket me to court?
Answers:
First, lets correct a few of the poor answers here.
They do not arrest you for non contribution of debts, so ignore those absurd answers!
It's not true that only the untested creditor can sue you. Collection agencies many times will purchase the debt from the creditor. And even still, CA's are representing the creditor, newly like an attorney. I don't even figure out the logic of that reply.
OK, will they take you to court? This is certainly like a chess team game. Each of you must study the other's position and decide how you want to play the "game".
From the creditor's point of belief, it's going to cost him time and money. If you live in a differant state, it make it even more costly, as he will have to want out an attorney close to you who will do the actual court work. So, unless the debt is fairly huge (at least $1000), they will most expected not mess with it.
They will also be looking at other things, such as how will the collect if the win? Do you hold a job or property? It does them no appropriate to win a suit and not have a means of access to collect.
So use this information to set your game plan on how to do business with them. If you attempt to negotiate a settlement, carry it in writing prior to giving them a dime, and be sure they put IN WRITING that they will remove any unenthusiastic report from your credit history.
Other Answers:
Yes they can. If you dont pay they can even hold a warrant for your arrest.
Yes, I've had a couple be in motion to collection but only MASTERCARD in truth took me to court, had to phone up them and settle it so they would drop the suit. If you're going to make them an extend start at 50% and DO NOT go up.
Yeah they can...I enjoy two collection agencies right now and they will enjoy a warrant out for my arrest if I don't pay.
They can frills your wages, get a warrant for your arrest or anything
depends on the type rented
If at all possible, try to work out some benign of payment arrangement next to the credit agency. They really don't want to take you to court because it costs them more money and more time.
Only the unproved creditor can sue you, not the collection agency. Your best hope is that they actually vend your debt to a third party, consequently you can't be sued.
Not necessarily, you can request that they cease and desist and that your dept be returned to the holder of your justification where the debt be incurred.
Not right away, but if you continue to be deliquent, yes they can. If they whip you to court it is because they wan't to take segment of your paychecks, or take some of your belongings that enjoy monetary value so they can auction it sour, and get money for the equipment on your behalf. Those are extreme circumstances, and unless you owe approaching 10 or 20k, don't worry more or less court. Collection agencies have bigger fish to fry.
They turn to court for permission to rob your stuff.
they can, but I think it depends on what type of statement and how much you owe. they won't waste the money within court fees if you don't owe them very much.
Yes they can but purely try to make arrangements next to them and they should work with you and it won't dance that far.
Certainly they can take you to court, however, they would prefer to achieve some type of settlement; going to court can be quite expensive and time consuming. At first contact near a collection agency, state your circumstances and suggest a settlement of some kind.
it depends on where on earth you live. Usually the company who ownes the original debt sell the debt off to a collection agency for a percent of the untested debt. I have see intenses where the unproved debt was sold to several different collection agencies. In PA the credit card company/collection agency cannot lug you to court unless service was made . That method you have to sign for the Court complaint or an authorized agent must instinctively hand it to you. Also I own dealt near cases where our clients go to court and a judgment be issued against them and then they file bankruptcy. Of course if you report bankruptcy beneath Chapter 7 all of your debt is wipe away regardless if there is a sentence against you
Source(s):
Paralegal 2yrs
what compassionate of credit gain do you inevitability to qualify for a home loan of $70,000-100,000?
Answers:
You will need a "middle" (middle of adjectives 3 credit bureaus) of at least 620 to bring back into "normal" mortgage rates. The amount you qualify will be determined by your debt-to-income ratio.
Two websites to check out are www.myfico.com where you can shop base on credit scores or ranges and www.bankrate.com where on earth you can see all different types of loan products available surrounded by your local area.
Good Luck
Other Answers:
It depends on the mortgage company or bank's guidelines. You would probably hold to have at smallest 600 or better I would guess. The lower your credit score the high your interest. Also, getting a mortgage is more then of late your credit. They look at your monthly income, what your bills are, how long you have have your current job, if you enjoy always compensated your rent on time formerly. So credit score is merely one determining factor.
The general rule of thumb when getting a mortgage is 1.5 times your gross annual pay. This will ensure you are able to be paid the payment. To qualify for a $70,000 loan you would want a minimum annual income of $46,600. $66,600 for $100,000. They will also look at your debt to income ratio (credit cards, car loans, etc.). Your credit evaluation will be used to determine your interest rate.
Is it possible to catch a mortgage at a okay rate if you enjoy fruitless credit?
Answers:
yes it is. you just hold to find yourself the best loan agent. i have be known to bring the best rates for my clients whether they have well-mannered credit or not
Other Answers:
Not really
It is. My wife and I declared collapse in 1989 and get a home mortgage a year after that. Of course, it depends on the circumstances, but some banks/lenders will allow you to write detailed letters explaining why/how you get bad credit. If you reason and explanation are plausible, you might get a loan. depends what you consider reasonalble and what you consider doomed to failure credit. You can probably get a loan, but the ridge will want to protect itself. And reasonalbly so. The higher down reward you can make the lower the princple, the lower the expense.
What is an Online Check?
Online Check for paymentsAnswers:
I think what you are referring to is an automatic debit. If you rate a bill online and they ask for your checking account information, they will bring it automatically out of your account. It's a apt thing, but simply be careful as to who you administer out your information to. Make sure it is a secure site and and you know the company.
How do I procure my deadbeat ex to take-home pay a lone that is to say contained by both our name. I'm disabled and can't work?
The divorce decree states that he is responsible for the pmt's and the courts ordered it be sold upon divorce. I've other had AAA credit, very soon it seems I am soon to bring back a judgment over this. Any support would be greatly appreciated.Answers:
Your state should have a legalized aid helpline. Not sure where you live but do a Yahoo! dig out and type in your state's label and legal oblige and you should be able to find something nearby. They might be able to distribute you advice for free because of your restricted income.