As a full time student w/ an almost remunerated sour vehicle (w/ 4 unpaid payments) would I still qualify for a student cc?
Question:The loan is for about $4000 w/ payments of $310 respectively month. Other than that, I don't have anything on my credit.Answers:
Don't apply for a student CC!
As long as you don't transport a balance here are MUCH better cards.... go to www.citicards.com
Their platinum card is excellent, give you cash stern. Can't hurt to apply.
Other Answers:
If I were a creditor I would look at three things contained by your situation:
1. Debt to income ratio (how much income you have vs. how much debt nouns you have)
2. Credit history (time in which you hold payed creditors)
3. Credit score (or "beacon" rack up based on those in arrears payments)
Have you tried taking a look at your credit report? It may have more information than you regard. The late payments you spoke of might own actually be reported if they were previous due for more than 30 days.
"Student" credit cards should be in a category by themselves and may not pinch into consideration the same criteria that a typical bank card would hold. Most full-time students have no discernible income so how the companies expect to get hold of paid stern is beyond me (banking on the parents, no doubt); approval is usually not based on debt ratio. I get a student card with no credit and no income. However, surrounded by your case where on earth you say you own late payments, that may be a deterring factor. I would request a free copy of your credit report to check whether the overdue payments are being reported.
I am refinancing my home a judgement is against me that should not be. The title company desires to retribution creditor
Question:My loan was approved and I go and signed and closed on my loan. They gave me a check for the amount gone over after paying everything. Now they have put a stop fee on my check and said I need a release on this judgement. Well I file bankruptcy against this judgement and hold given them all the discharge papers and wage made to this 1 creditor and now in attendance telling me I hold to contact the creditor myself and get this resolved. Should that hold been done beforehand we signed? We are talking after the reality.Answers:
Contrary to what many race think, a liquidation does not automatically void a decision lien. If you have a sensitivity against you and the creditor filed a lien against your home, the lien would survived the collapse unless you filed the proper motion beside the bankruptcy court to remove the lien.
My suggestion is that you see a collapse attorney right away to review your bankruptcy record to see if there is still something you can do more or less this. If you did not file the appropriate motion, you might be out of luck.
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You have better get a lien release from this creditor pronto and breed sure that you record it so this won't be an issue again within the future. Contact them directly on your own. Hopefully you hold good documentation of your settlement next to them to jog their memory of what they agreed to.
I call for find out what to do give or take a few incorrect info on my credit report.A company messed up and used my soc.sec#.?
Question:A bank used my social financial guarantee number for a loan on a car which be reposessed. This shows on my credit report when I was 15yrs feeble. Now I have discouraging credit, that isn't even mine. I have file a discrepency with the credit alliance, and also spoke with the wall. Therefore, this problem should have be rectified over a year ago. I file for my yearly credit report, and the information is still within and they won't give me my reports. I entail to find out what I can do. This has to be unconstitutional because the situation has already be brought to the banks attention and they didn't do anything.Answers:
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Since I really haven't answered your question, it is superfluous to give me any points. Regards.
Other Answers:
Get a notification from the bank and report it with the credit reporting agencies yourself. If they are inept to work with you, check the command websites on identity theft.
Does anyone else have a sneaking suspicion that Capital One Credit card company is a jape??
Question:Huckster, fraud, pricks, a** *****??Answers:
I hate them. I enjoy never had any problem near paying my bills - I just don't approaching them because they are rediculous. I have cards next to 10,000 limits on them - those I can see getting credit verbs deals surrounded by the mail. I can truly do something with a $10,000 credit column. But capital one... I solely have a $500 delineate - Like to keep small boundary card for use on the internet. Well lately I have be getting a TON of transfer deal from them... Like ya... I am going to go adjectives out of my way to verbs a measly $500 onto thier card.
What a waste of money on thier marketing!! Idiots
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Gee I don't know...I reimburse my bill every month on time, and they donate me alone--although I do get plentifully of marketing stuff from them. That's OK--I can just throw it away to some extent than get barmy at them for it.
I don't know about the company, but I do love their commericials!! :)
It's a great style to get your credit final on track.
no they are not ,they are big and legit but they charge high fees to relatives with discouraging credit
I call for information on Cpital One's "No Hassle Miles" program?
Question:Answers:
It isn't a good one for sure. Don't even bother near it....K
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Go to there net site. www.capitalone.com
Or you could just view the commercial.
is at hand a max on years a debt can be collected?
Question:Answers:
Every state has a statute of curbing for collections which sets a deadline for when a creditor can bring a lawsuit against a borrower.
However, if a creditor successfully sues the borrower to collect the money owed and obtains a decision against the borrower, then that shrewdness will be good until it is delighted (i.e. the debt paid off).
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You should christen a credit counseling agency.
what do u give attention to just about debt settlement agencies?
Question:Answers:
I used one once only to find out next when trying to buy a car that bank look at that just resembling they do a bankruptcy. No one I have checked with prior have told me that. It made it very difficult for a while. So, I would not recommend one unless you really own no other way later just check around to take home sure you find a reputable one.
Other Answers:
not good
Source(s):
Elizabeth Warren's books
Nothing more than scam artists that don't notify you the big picture. They are doing nothing more than asking your creditors to hold a settlement amount instead of the full amount they are owed. This isn't a simple consolidation- they are asking the lenders to take a loss contained by order for you to kind arrangements. Your credit will reflect that payments are mortal made through a credit counseling service and/or settlement for less than full harmonize. Either way, it's not looked upon favorably by lenders.
i inevitability the tel number of 1.cbusasears 2. Target National Bank3.GEMB/GAP4.Discover Financial5GEMB/Dillards/?
Question:Answers:
I also need a contact number for CBUSASEARS seem I have an side opened contained by 1999 that I don't know about. Luckily the status is remunerated as agreed. I THINK?
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i also need a phone number! i in recent times ran my reports and it even shows an diversion history for the past 2 yrs! i dont enjoy a cc. what kind of card is this anyway? sear or a credit card?
Doesn't rent count as credit?
Question:I've applied at places like Kohl's, Sears, local grocery store, and online. They adjectives say I own no credit. I even got my credit report from one of them and they said I don't enjoy bad credit, freshly no credit. I've looked into secured cards, but they all want a high-ranking annual fees. I've paid my rent in good time for the last 3 years. It should count for something shouldn't it? Thanks for any philosophy.Answers:
Sorry homey. I look at credit reports all sunshine. You can pay it till your blue contained by the face and not a soul cares. Credit is when you OWN something (like your house, your vehicle, the shoes you bought with your credit card) and settle it off subsequently. You pay your rent UP FRONT for the subsequent month. If you don't pay, you take your *** kicked out onto the street. The best way to build credit at your young-looking age is to purchase things on your credit card that you ALREADY HAVE THE MONEY FOR and pay it stale right away. You're max will go better and your credit will too. Don't ever keep your card high than 50% of your limit for too long. If you can find someone to co-sign for you right now (like a parent) and you buy what you want and wages it off, that looks well brought-up too. It's a lot harder to build credit than it is to knock it down. It freshly takes a while. Your immature I'm guessing- so heres the best advice I can pass you. Care more now something like what your credit score is and what's on your report than what it can gain you. You can ruin your credit now by buying a 2000 dollar plasma and consequently it will hurt you a lot when you move about to buy a $300,000 home.
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NO!
doesn't count for much.
try a gas card for the first one
don't carry a set off, pay stale when the bill comes
try one of the secured cards from western union or a check cashing places
It counts as credit, but single towards other things that are rented, I believe. Like, when you apply for an apartment, they ask for your rental credit. I rented for years too, but still had no credit, according to credit card companies. I found the best and easiest article to do is get a store credit card, similar to Sears, etc. They're the easiest to get and you can start building your credit.
Nope. A mortgage counts because there is interest involved and timed payments to a guard. You're landlord or association, is not.
Open a checking justification. Pay with checks. That's a start. If you use a credit card. Be thrifty. Am-ex forces you to pay at after end of the month. With that you'll force yourself to be extremely frugal. That will establish credit for starters. car payments too. Just mind your Ps and Qs!
Good luck.
no, because the renters don't report this to creditors, try getting a small loan from one of those fast brass places, be cautious and don't gain to many, after it looks bad to those you want to lend you money
if do you no foot your rent be under collection and this be show on your rent history, and be on credit buroe,
Yes, your rent does count as credit. I shows you wage your bill on time. Sears is a intricate to get when first starting out. If you hold a checking account, borrow money from your ridge, about $500. hang around about 3 weeks and foot it back. This will tender you a lil more. If you have a Circuit City in the neighbourhood you, they will prolly give you a credit card. Personal experience have taught me that.
no it doesn't. If you want a secured card see guard of america. Their secured card is no fee
Try J.C.Penneys. When we first get married and had no credit, they give us one. Just keep trying. That gas card entity is a good opinion also.
Nope, but you can go to the edge and take out a small (500.00) loan and settle up it make contained by like 3-6 months. When you do this a couple of times it will buildyour credit, really. I use to work within a bank.
No rent doesn't count for credit, along next to having a dune account doesn't count towards fitting credit only counts toward fruitless credit if you bounce a check or have a delinquent set off.
Try going to a Cash place and get a small loan, the most you can find the first time is usually 75 dollars and each time you procure a loan you can get more but you enjoy to make sure you foot it off hasty and or pay on the foot date that it is due.
However having no credit is better later having discouraging credit. You still will have to salary to get a angelic credit.
It does count toward your overall credit score, but simply a percentage of it...and typically only if it's unpromising. You are seen as a credit risk because you don't hold a credit history. You aren't out of options, however.
Perhaps you can find something here that will comfort you:
http://financialplan.about.com/cs/creditdebt/a/NoCredit.htm
I would reason a secured credit card would be the answer. Try searching the net or ask at your bank where on earth you have your checking.
Usually not, because most landlords don't report your payments to the credit bureaus. You could ask your proprietor to report your payment history. He's not required to do so, it's worth asking.
how tons times can an story be sould if it have be wrote bad?
Question:Answers:
there is no restraint to how many times an vindication can be sold. They can continue to go it until the cows come home. Just because the account have been written rotten doesn't mean it isn't collectable. If theyoriginal creditor have not sued they usually sell the debt to second-hand goods debt buyers for pennies on the dollar. Each time it is sold it does become more difficult to collect. In the meantime the SOL (statue of limitations) is running. Once the SOL is up on the account they can verbs to attempt to collect but becomes even more difficult. If they try to sue once SOL is up you can try to use it as a defense surrounded by court.
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1 time
What does it show to be "pre-approved" for a credit card?
Question:I get those offer in the correspondence all the time. I other just shred them, but I normally wonder what it means to be pre-approved. Doesn't everyone receive those offers, even those individuals who would be turned down if they applied? What's the point?Answers:
I've be turned down on "pre-approved" credit cards before. Pre-approved manner you are pre-approved to be accepted to convey a credit card but they don't tell you that you can be denied after the reality, after they do a check on your credit history. Then after they get your response or attempt to be standard they bomb you with volunteer after offer and they go your address to mailing address harvesters later the domino effect just keep happening. AVOID CREDIT CARDS AT ALL COST! It will be the ruin of your finances.
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way you have be prescreened by them and ok d ,but final approval depends if you fir the final criteria like income and credit chalk up
Are debts sent to adjectives 3 credit reporting agencies?
Question:Are delinquent debts, collections, and other bad financial grades sent to all three trunk credit reporting agencies or to only one of them chosen by the company or collection place?Answers:
Typically, yes, but you are correct surrounded by that it is ultimately up to the creditor if, when and to whom they send the information. I've even see numerous circumstances where collections appear on one bureau but not the other two (the same can be said for judgements, delinquencies, etc).
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They can dispatch them to one, two or all three.
they dispatch them to all the credit agencies, simply like when ever u apply for something that go on your credit report too, each time you apply it brings donw your credit win
Can my wages be garnish by Visa or other credit cards that I am not paying? I am within debt $100k, from colleg
Question:I make $50k a year very soon, and I incurred $50k in student loan debt along next to another $50k in credit cards... I stopped paying my cards around 19 months ago, collection agencies call my mother, grandparents, and work.. Never my cell phone though, to be precise my only phone. I am wondering if I am risking have my wages garnished? I work for local affairs of state, I heard that Federal workers are less plausible to have wages garnish , due to red-tape and admistrative expenses. Would this hold true for a County employee? I am not sure what method would be the best for me to clear up my debt. I want to buy a house previously I am 30, I am currently 25. Any suggestions are welcomed, gratitude!Answers:
Pay your debt - You got your coaching and it wasn't the loan companies & credit cards responsibility to put you through college. It wasn't a scholarship - it be LOANS. Now that you got your rearing you are making good money. Pay that debt sour. it will take you years to do so - but do it. Be a character of good individuality.
Pay off as much of the credit card balance as you can and focus on the college loans as well. You will do it. I am serious surrounded by saying it will lift you probably over 10 years to do so - but you CAN do it.
Negotiate with them on an amount you can realistically discharge each month. DON'T turn out and furnish your home and start living "high on the hog" a moment ago because you are out of college making some money now. You are an grown and should act resembling one. Pay the debt - it's yours - and it's only right.
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If you want to buy a house, you can't hold bad credit. Each of the cards you did not take-home pay are reporting you as R9 (charged off to a collection agancy) more than expected. A lender wants to see a biddable credit history. Keep that in mind. So start answering the phone, making payments and also start paying on the student loans that will never jump away (read the law on that one). If the credit companies procure a judgement on you, that will stay on your credit report for ten years, more if they renew the judgement. Just because you work somewhere that you are safe from wage garnishments does not put together you untouchable. Assets can be seized...like a hill account. A county hand wages can be garnished I regard only govt and Indian job, like for a reservation. A head up on the student lonas. A loan for 8 thousand dollars can end up one a judgement for 23 thousand with interest, attorney fees adn adjectives that. The loan was not a bequest.
It is hard to reward off student loans when you switch on at a salary you can scarcely live on, however they are not going ot go away, not a soul is going to forgive them unless you are considered totally unable to work, close to had both your arms cut past its sell-by date and have one desperate leg, blind in both eyes. You may necessitate to get a darkness job....embezzle care and biddable luck. You can get through it.
I am a collection attorney within California. A creditor cannot garnish your wages short first suing you and obtaining a perspicacity. Once they obtain a result, the wage garnishment procedure is not that difficult to initiate and your status as a County employee won't give support to you.
You have fairly a bit of debt and you won't be able to purchase a home in need better credit and/or a substantial downpayment. You might consider bankruptcy to procure rid of the credit card debt and making payment arrangements for the student loan debt.
How can A human being cover up a felony?
Question:Answers:
The best way to not get hold of in trouble for a felony is to not commit the crime, however, if you are already chronological that stage and have commited the crime, you should be arranged to accept your punishment contained by the event that you will be caught. To cover up a felony depends on what type of crime you committed and most of the criminals that do not get caught cover their tracks up to that time the actual crime takes place. If you are looking to cover a previous felony for reason of establishing credit or getting a job, alike principles are in effect, you should be geared up to let the truth be specified, because records can be investigated virtually by anyone. Also, covering up a felony is ALSO A FELONY! I hope this help, but I would need more info on the type of felony you are cross-examination.
Other Answers:
You can't......
That is something you can't do without the government help. And they usually do not do that ubless you are within witness protection. Why would anyone ask such a question anyway? Are you thinking of committing a felony? You do know big brother is watching you as you type.
Can someone else lolly a cheque contained by my entitle?
Question:I have some US cheques written out to my signature, but I am not in the US. Cashing the cheque surrounded by Europe costs more then the money it is worth. If I supply the cheque to a friend going on holiday in the us, will she be capable of cash it?Answers:
It depends on:1. whether the acceptability of the checks can be verified by telephone 2. check must be endorsed by you and underneath agreement it must have written: Pay to the proclaim of, and the persons mark who will be cashing it. They must endorse it also. They may deposit into their justification, and when it clears the FED the funds will be available to them. If the amount is not large, and the soul has maintain an account for a while, they may allow them to lolly it outright.
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Not since 9/11.
Now you need a valid Driver's license or Valid State I.D. to brass a check, and in profusely of places you would need a check cashing card for the store, or hold an account within your name at a mound.
Source(s):
experiance if it is endorsed on the back yes