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Credit score?

Credit score?

I am trying to buy a home and the dude for the house told me I had a score of 535 and another I went on another website annualcreditreport.com and used TransUnion which said I had 632 can’t I just pick that score and show him that one…because when I signed up it gave me 3 choices and I just picked TransUnion…and I need a 570 to get the home.

Related :


Can i use my axis bank Credit card for cash withdraw?
Can i withdraw cash from atm using my axis bank credit card while i have 0 balance in my credit card
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What happens to my bussiness after bankruptcy?
I’m putting off filing for bankruptcy for a couple a weeks because I’m in the process of writing a business plan wich should be complete next week. My hours were cut so it’s not like I’m not paying my bills for the business. I’m getting the money from my parents. Should I wait until after bankruptcy or should I start my business right before?
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Is there a personality disorder where an individual is focused on one particular person and is never satisfied?
IE: former co-worker interferes with a person’s marriage but sending him a letter and when she is able to win over the husband, she continues to follow-up on the individual she targeted in a stalking kind of way. Questions a good therapist should explore in self-reporting before answering this question: How did someone interfere with your marriage, and why? What was in the letter? How did your husband respond to the letter? It is revealing that you use the idea of won over. This could indicate a person whose life-view is a zero-sum game everyone and everything is either won or lost no in-between, which is not life and people. Is that your approach to life? If someone or something was won, are you then the loser? Is that perhaps why you are seeking ammunition? What shape was your marriage in if your husband was so easily won over by a letter? You reveal much about yourself in your question. You give your husband no credit for being an autonomous human being with a mind, feelings and free will of his own. You trivialize him by portraying him as so easily won over by a letter. Is that how you regard him? Is that what he lived in his marriage to you? What did you do to keep your husband and marriage in response to this person and the letter? Was your husband won over or was there really a reason for him to divorce you? What reason did your husband give you for divorcing you? Are you really entirely innocent? Why would this person target and stalk you YOU? Describe both of you: appearance, education, career, lifestyle, accomplishments, etc What do you mean by follow up? Can you be specific? Why do you feel you are being targeted? What has the individual done to target you? What activities? How has the individual stalked you? Can you be specific? What activities? Have you called the police if you are being stalked? Why would a stalker whose goal is to have your husband continue to stalk YOU after she won him over? Have you sought professional help for your situation, or just cyberspace? Is the fact that your communication about this is ONE-WAY unknown, without verification and no dialogue — a type of control of information? Are you really seeking (undeserved) support anonymously in cyberspace for your wounded ego and your version of events? It is also a form of control and manipulation to accuse or threaten to accuse a possible informant of the things you have; the perpetrator-crying-victim game. There is a character disorder in which the afflicted individual seeks to character-assassinate others when perceiving being wounded; ultra-competitive, below-the-belt, deceitful, manipulative, Machiavellian and hates to lose. Does this apply to you? What is the individuals focus on YOU exactly? About what can you be specific? What activities? When do you think the individual would be finally satisfied? What do you think is his/her goal? What has the individual not gotten that he/she ultimately wants to be satisfied? What other things has the individual done to you that did not yet satisfy him/her? It is interesting that you use the term personality disorder where did you get the term? Are you really asking, projecting or seeking support and the appearance of legitimacy for what you have already decided? Obviously you have done some research if you use the term personality disorder. Why have you then not found the answer to this question in your research? Has this term actually been applied to YOU? Is it perhaps that you are just a sore loser and are looking to discredit or defame the winner? Sour grapes? You really must be honest with yourself and others if you truly desire legitimate help and change. Seeking support on the internet from strangers for what you wish instead of what is really the case solves nothing for you. Why are you not asking about pathological lying instead of worrying about everyone else?””
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Where to get a payday loan in NY?
I live in Queens. I tried all over NY, but it seems like I cant find anyone that do cash advances/payday loans. Then I searched on yahoo answer and I saw someone say that it is illegal in NY. Is that true?””
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Did you have to file for bankruptcy after your divorce?
I’m in a divorce that now hit the 4 thousand dollar mark with no end in site. When my husband walked out on us he left me in a big mess. I was a stay at home mom and I hadn’t worked in almost 3 years. He left us with no money or anything. He gets to go live with his rich family who are paying for EVERYTHING and he already told me he has the resources to drag this out till he crushes me financially. Honestly he’s doing a good job. I’m getting help from the government but it’s not enough to take care of me and two kids. I’m several thousand dollars in debt now and that’s only going to get worse. Should I let my attorney bills pile up and keep adding to my credit card debt and file bankruptcy or should I try to dig out? What would you do? I feel so lost right now.
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“”Is a car loan at 20 ok or horrible , the bank turned me down so Direct Auto Union said they would do it for that percentage.Good? Bad?

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How can I refinance my vehicle with bad credit?
I bought the car in February and have never been late on payments. I had successfully bought two cars in the past. My credit score should be higher. I want to refinance this vehicle into a lower interest rate and lower payments. All websites claim to help with bad credit dont help me. I tried going back to the bank that loaned me the money but i would have to do a walk in and that i cant do cause its in Hawaii and I am in Tennessee. What are my other options?
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Are you supposed to have a balance when you apply for some credit cards?
*Some credit cards I was denied because it said I didn’t have a revolving balance. I only have one card and have used it several times, especially on very expensive items. I pay it off on time ALWAYS. Any tips? I’ve avoided credit cards due to fear of debt and thinking I really don’t need cards but at 21, I now see I do need to build my credit! …I thought I was doing good by paying off that one card I have (I pay my debt in total, not increments).””
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#repost

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Where can i get a print out of my credit report?
i have been wanting to see what’s on my credit report for a long time now and when i tried to get one online from i think its experion themselves they say that i cannot obtain one. so is there a place downtown that can print out one for a flat fee?
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Mortgages available for a discharged bankrupt?
I have been discharged from my Bankruptcy for 3 years now & desperately want to get a mortgage as I am paying far to much in rent but don’t know where to look. I know it doesn’t matter that the debt from previous (even though NOT mine) will effect this but I would like to know the best way to start again as looking to buy a property with my partner who has never had any financial problems but I don’t want to go somewhere that I will be taken advantage of because of past issues. Serious help needed please…
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How do credit card payments work for Navy Federal?
I’m in a confusing situation here, and I was wondering if anyone could shed some light on it? I’m in the Navy, and I plan on flying home for Christmas leave. My plane ticket is going to cost more than I have in the bank, so I was going to purchase it with my Navy Federal credit card and pay it off as soon as possible. I have a Top Secret clearance, so I can’t afford to have any financial trouble, and I really have no idea how credit cards work (especially Navy Federal, if any different), so could someone please help me out? I was told by my roommate that you just need to make a minimum payment each month to be good, but I feel like there’s more to it… I appreciate any help!””
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Can I afford an cadillac escalade ?
I make a little more then 2,200 a month & I really want an escalade 02–04 I’ve seen them for 9000–12000 but idk if I could afford it I want it as my weekend truck since I already have a fuel efficient daily driver. I’m ready too put 2500 to 3000 down the most. I’m 19. Either an escalade or a 03–05 g35 coupe. And I checked I qualafie for a 8000 dollar auto loan Oh and I don’t pay any bills I live with my perents In a separate back house. I only pay my expenses like gas food phone bill that’s it! Does anyone of you own any of these cars ? Specially the escalade ? Any heads up ?””
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Where can unemployed people get cash loans?
Where would someone get a small cash loan if they have no job but still have an income (Government assistance, for example)?””
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“”I want to borrow 1,000 dollars from the bank. How does that work?
I want to buy a motorcycle this weekend and I need 1000 dollars in a loan. I have never applied for a loan before. What can I expect? Interest rate? Amount of time to pay it off? Im also 20 years old with pretty much no credit built up. Can I even apply?
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Best Fifa 16 team/strategy for player career mode?
I m starting a career as a striker. What is a good way to disperse the skill points? Also if I start him in the football league 2 will he eventually have offers from premier league teams and be able to advance? Or should I just start him in a premier league club? Thanks
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Is 365 day loan a scam?

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How do I Get Second Chance Car Loan?
Can i get second chance car loan? please tell me any finance company where i can get this type of loan. thanks
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What do you think my chances of getting approved for an auto loan are?
Okay, before I go into detail, I want to explain my ideal goal, then I’ll go into specifics that hopefully you helpful people could help me with! Recently paid off a car that is an ’03 year car, not too bad, but I am ready for a nicer looking, ’09 or so car. So here are some specifics. I’m 20-years-old and am interested in getting a newer car than the one I have now. I started attaining credit when I was 18-years-old with a secured card that I had to provide a down payment for, to establish a collateral account incase I missed a payment. My card has recently been made unsecured due to good credit and payments never being late in the two years I’ve had it. When I’ve checked my credit score, it shows that my credit score ranges from 734–745. My car that I recently paid off was through a smaller dealership that doesn’t check credit, and certainly doesn’t report credit. So unfortunately, my ontime payments, and early payoff of the car didn’t help me. However, I still have the car for trade-in and a cash down payment of 2,000 or so. Altogether (assuming they lowball my trade-in) I’m hoping for a down payment of $5,000–6,000 on a car that is priced at 16,500 about. After fees and whatnot, I’m expecting the cost of the car to tally up to about $18,500. Also I make about 1,000 dollars a month after taxes and another 300 or so dollars in tips that aren’t on my pay stub. So here’s my question. I have good, but new credit (I know that is sometimes bad), in YOUR personal opinion, through your experiences, do you think I’ll be approved for a $12,000–13,000 loan?””
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No Credit…Car Loan Possibility?
So I’m looking into buying a brand new car. Something like a Chevy Equinox or GMC Terrain. I need a crossover truck that gets good gas mpg and those are looking pretty nice. I’m only 19 with no credit except for my student loans that I have for my first year of college. I have a job where I make about $1400 a month and I have no other expenses. What are my chances of getting a car loan in my situation?
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Do you think I would be able to get an auto loan with my conditions?
I am looking at a 2001 Jeep Grand Cherokee that has 95k miles on it. It’s for sale for $5600. I have $1600 to put as a down payment but need the rest financed. Would a bank or credit union finance the rest for me w/my credit score of the low 600s? Any advice?
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“”I desperately need a 1000 loan in which i can pay off monthly, but i have bad credit! any suggestions?””
I need a loan that i can pay off monthly roughly 100 a month, but because of my poor credit rating nobody will help me. Any suggestions would be appreciated!””
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Where do I get my annual free credit report?
It is my understanding that each person is entitled one (1), free, annual credit report. I was curious as to the process of receiving this report and from what agency you go through.””
“Credit score?

I am trying to buy a home and the dude for the house told me I had a score of 535 and another I went on another website annualcreditreport.com and used TransUnion which said I had 632 can’t I just pick that score and show him that one…because when I signed up it gave me 3 choices and I just picked TransUnion…and I need a 570 to get the home.


How much of a home loan can I get with a credit score 572?

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Finding the best bankruptcy lawyer in?
Maryland, and typically, I know that the judicial process of bankruptcy only costs about $299 in Maryland, however, I am having an issue with locating a good”””” bankruptcy attorney that is legit and isn’t going to over charge me :( through this gut wrenching decision……””””””
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“”Low credit score, need to buy a car. What to do?””
I have a low credit score, to be exact 521. I dont have any accounts in collections, I pay all my debt, I dont ow a penny to anybody. I need a car asap, I dont want to use a cosigner because that involves too many complications and I dont like to ask for that kind of favor, not even to family members so that option is out of the question. Instead, I would like to buy a used car. I recently found one and I have $2000 saved for it. The car costs no more than 10,000. I dont want to apply for a loan because most likely I would get rejected and that application for credit will impact my credit score in a bad way. Any ideas on what to do? Is there a bank that could help me? I know the interests are too high and bad credit car loans are not recommended, but, is there anything else out there for me? Thank you in advance””
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I want to start micro money lending business in India?
Hi, I’m planning to start my own small money lending business in India. Its just that I have some surplus cash and would like to lend it out to people who have small requirements(From Rs 5000 upto Rs 100000 only). This would be for Short term loans only i.e from 2 weeks to 4 months at a max. I do not want to get the license and all as I want to keep it at a very small scale. The interest rates I want to charge will range from 5% upto 30%…..I need advice as to how to go bout it from people eho are already in this Business””
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“”On a house that is 137,000 what would be the monthly payments be roughly?””
Our credits are 600 and 660. We are 21 and 19 years old. We would apply for the usda loan. Also we would put down about 6,000. The house costs 137,000. Is there a way we could get a loan for that? Also how much a month would it cost?””
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What would the US murder rate be without Gang / Drug related violence?
Does anybody know where to find that statistic.. if one exists?
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Consolidation or bankruptcy?
37k in debt do to losing my job a few years ago, 1 car repo of 4k and the rest is just credit cards and misc. all debt is within 4 accounts, i have 8 bad marks on my report, i have no cards open in my name at this point, well actually i have nothing in my name at this point. what option would have a better and faster outcome for improving my credit. i was fine before i lost my job and now im back on track and working again. my current score is 526, all because of mr. economy. now i want to fix it and get going back on the right path. so do i consolidate or file chapter 13 or 7 which ever one it is?””
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What happens when a private student loan lender files bankruptcy?
Do the loans get transferred to a new lender, or are the loans discharged?””
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How to look at credit report and how do I get a credit report?
Where can I get a credit report that does not show the credit score? and How do I look at the credit report once I obtain it? What is the credit report suppose to show? Is it suppose to say it is good or bad or something……?
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Can I refinance a mortgage that is in probate!?
Everything was left to me. I don’t have the immediate cash to pay off the debts. And I don’t have perfect credit. But mother had bills and I desperately want to keep the house!!!!!!!!!! I have paid the mortgage payments for almost two years now. Or if there is any other suggestion that will help me keep the home…PLEASE let me know. I reside in Kentucky if that helps any.
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What does improved trade mean on my credit report?

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We are 4 months behind on mortgage & Chase already proceeded into foreclosure &sale of home. can this happen?
Yes I have also contacted hope and they can not figure out why this is happening so fast, but they are doing what they can.””
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Lower car insurance by faking who is primary driver w/ parents?
I’m planning to buy a new sports car, but insurance (even on my parents family plan) is too expensive to have myself as the primary driver (24 yr old male w/ a recent accident). My plan is to have my parents who live 80 miles away from me, be the primary driver of the new car. While I will be the primary driver of their old lincoln town car. How risky is my plan? What’s the probability of it working perfectly even through auto claims? A few concerns: 1) I hear auto insurers routinely check up on the mileage every 6 months, how strict are they with making sure the primary drivers are really driving their respective cars? 2) Can my parents be claimed as primary DRIVER (on the new car for auto insurance), even if we co-signed for the auto loan and I am the primary BORROWER? 2.2) what if they are the primary borrower on the loan? Does that make it more believable to the auto insurance? FYI, i’ve already gotten quotes, and if i were the primary driver, it would be $250 a month, and my dad would be $60 a month. So, I really hope my plan works!””
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InTexas can ACE check cashing prosecute if unable to pay cash advance?

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Is taking out a pay day loan my only option?
I need a very fast $1500 and I don’t know the best solution. I live in Los Angeles and work a full time job and have another part time job on the side. However, even with that, money is still very tight. Under normal circumstances, I am able to make ends meet every month, but I rarely have much of anything left over. However, the last few months have been filled with a string of family financial problems. My parents are close to foreclosing on their house and the my dad was laid off. Consequently, I have had to help my parents pay their mortgage and bills. It is deeply saddening to see them in that state and has been horribly embarrassing for my parents to have to ask me for money. All in all, I make about 2100/month, including tips. I pay about 950 in rent and utilities and 75 for students loans. Then there’s insurance, food, and some expensive prescriptions thrown in. However, because I have had to give my parents a substantial chunk of money each of the last few months (and pay my brothers rent when he couldn’t, last month), i have been left with just barely enough for rent this month. I don’t have any credit cards or a car. After college I had a hard time paying students loans and they went into default. However, they gave me a one time opportunity to pay my way out of default and clear my record. I did that and am back in good standing. However, this is still on my credit history (something that I have filed a claim about). Due to my own stupidity, I am facing a very big need for $1500 ASAP. This morning when I went to the DMV to apply for my CA license (from Nevada), I found out that I have an outstanding ticket from more than a year ago. I want to kick myself. Basically, I need to have a license that is valid (and warrant free) because my full time job requires me to run errands on a daily basis…and because I would like to avoid jail time! I called the courthouse and if I pay the ticket amounting to around $1500. it will be done with and I can get my California license and be legal and move on. However, I just don’t have it. I don’t have anything even close to it. Nor do my friends or family members. If I owned anything that was of any value, I would sell it. I can’t come up with a fast solution. I have read lot’s of horror stories about payday loans and 90 day installment loans and the last thing that I want to do is get back in over my head and spiral back in default. It was a terrible feeling. Is there any other reasonable solution? And if taking a payday loan is the only answer, how do I avoid shady practices? Lastly, in order to compare payday loan’s, it appears that I have to fill out the forms with my info on their websites. Is this something that the credit bureau’s see? I don’t want to negatively impact my credit score by simply applying”””” online to see quotes. Thank you for taking the time to read this long post! Best””
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What are examples for lines of credit?
I know that credit cards, auto loans, mortages, student loans are examples. I want to buy a house and speaking with a friend, I was told it would be helpful for me to have 3 lines for qualifing for certain credit. I have two (credit cards and student loan) and do not want to acquire an auto loan. What is some other line I could get.””
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How do I increase my credit rating? Also is there a way to check my credit rating for free?

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Do payday loan lenders have to work with you?
I live in Oklahoma and have found myself in payday loan debt. I had to close my checking account due to me losing my checkbook. I cannot afford to repay them all at once and one place told me I had to pay 50% at a time. That is 250!! It is completley stressing me out!! They call me all the time. I was wondering what the laws are here and can they sue me or will it be sent to collections? I am just trying to figure out the best solution and fast!!!!!!!!!!!
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Who owns your house when you have a mortgage?
When you buy a house and it is mortgaged through two different loan companies, who actually owns it? Is it the title company or the loan servicing company that has the first mortgage?””
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Can you get a council home if you are bankrupt?
and rent arrears from 4 years ago are included in the bankruptcy?
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How much equity is needed for a reverse mortgage?
I am looking into getting a reverse mortgage for my father. He lives in the Miami, Florida area. About a 2 years ago he refied and I want to know whether or not he will be qualified because of the last of equity.””
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How can I apply for a used auto loan with not so good credit?
I just gotta new job two months ago. I know most lending institutions require a work limit of at least 3 months. I also have a part time job that Ive been at for 2 years now. Does any of this count. The vehicle I am trying to purchase is coming from a private seller. So what are my options?
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#repost

“Credit score?

I am trying to buy a home and the dude for the house told me I had a score of 535 and another I went on another website annualcreditreport.com and used TransUnion which said I had 632 can’t I just pick that score and show him that one…because when I signed up it gave me 3 choices and I just picked TransUnion…and I need a 570 to get the home.


Trapped by Chase Credit Card- how to get rid of it?
Hi I got an Amazon.com com Chase credit card 3 years ago in order to get some credit, since I had no credit history. I have been diligent about paying my bill off on time. I lost my job for six months; that was the only time I carried a balance. Anyway, I paid off my entire card in January 2010 and I still kept getting little charges of $1.70, $1.89, etc. It was soo frustrating to keep seeing these random number coming up; I called them up and told them I wanted to cancel the card! They put me on with this very demanding, pushy guy who said my credit score would be totally destroyed and I didn’t even have to use my card at all, I could just keep it open with no credit charges anymore. Of course, I still got charged here and there but it was really annoying to have to call for a dollar! So I was like, ok I’ll use it for my tuition”””” and pay it off in 3 months. Now all of a sudden””
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How much will my credit improve when my hard inquiries fall off my record?
I bought a car coming up on two years in July. The place I bought it from ran my credit through a bunch of banks which resulted in about 12 hard inquiries. At that time I had really good credit but not enough credit history. Since then I’ve had one more inquiry when I got three credit cards that are paid off in full every month. I have never been late on a payment to any credit institution and have been paying on my car for the last 21 months an extra 40–60 dollars more than what is owed. Right now my credit is a whopping 677. When I applied for the credit card I knew it would go down but other than my car loan I hadn’t really had any other established credit besides a closed credit account from college and a paid student loan. I added the credit cards so that i would have more open accounts with ontime payments and more accounts on record with good payment history. I have no derogatory marks on my report. My question is how much can I expect my credit to rise once those hard credit inquiries leave in July?
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For what reasons can a chapter 7 bankruptcy be dismissed or denied by a judge?

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Does anyone know a payday loan that will accept prepaid debit card accounts instead of bank accounts?

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How do I hide gambling losses from my wife?
Ive been a gambler for many years now but lately I cant seem to stop myself. Ive been playing a lot of online poker and maxed out all my credit cards. It got so bad I had to take out a second mortgage on my house. My wife doesn’t know about my problem and it has been getting harder and harder to keep it from her. I had to lie to her about losing my car because I can no longer afford the monthly payments. She hates to do finances and I always handle them. Which is why I managed to hide it this long. Basically, I’m worried she will find out and leave me but I love her so much I cant bare to lose her..””
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Loans & Overdraft?? ?
I am moving house and need some money which i will of course pay back. I was wondering how much can your overdraft go in Barkley’s bank & how long does it take for a loan to cash in?
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Bank of America Auto Loans require Down Payments?
I go through the online website, and can’t find anything about a down payment. I went in the bank and the lady told me I have to apply online and all information is online and they don’t do loan walk ins, and she THINKS theres a 20% down payment to the bank. “””” has anyone done an auto loan from BANK OF AMERICA that can answer my question from expirence?””””””
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Accounting question I need some more help?
okay so i’m not understanding out to record the last three, if someone could help me that would be awesome! The following accounting events apply to Oakss 2011 fiscal year: Jan. 1 Acquired an additional $70,000 cash from the issue of common stock. April 1 Paid $6,600 cash in advance for a one-year lease for office space. June 1 Paid a $3,000 cash dividend to the stockholders. July 1 Purchased additional land that cost $25,000 cash. Aug. 1 Made a cash payment on accounts payable of $13,000. Sept. 1 Received $8,400 cash in advance as a retainer for services to be performed monthly during the next eight months. Sept. 30 Sold land for $15,000 cash that had originally cost $15,000. Oct. 1 Purchased $900 of supplies on account. Dec. 31 Earned $80,000 of service revenue on account during the year. 31 Received $66,000 cash collections from accounts receivable. 31 Incurred $16,000 other operating expenses on account during the year. 31 Recognized accrued salaries expense of $5,000. 31 Had $250 of supplies on hand at the end of the period. 31 The land purchased on July 1 had a market value of $28,000.””
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Can I exchange my gift card for cash?
I want to get $25 at least for my gift card. Is there a website that buys them online or something?
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Question about debt & bankruptcy?
Hey everybody, I’ll be 23 in a few months. I’ve already been married & we bought a house [but due to a pipe busting in the winter & causing a ton of mold & then five trees falling on the house in a wind storm that the insurance company did not want to fix], the home ended up going into foreclosure. The loan was not in my name, however my name was on the deed. I’m not married anymore & the last time I checked my credit, the house did not show up but, I think that was before it was actually foreclosed on. He & I have two credit cards [probably $6000 of debt total] that I have to pay half off of [so, about $3000 right there.] Then I have a Kohls & Macys card [about $700 total]. Then I have three other items that are not credit cards that come to about $1,050. Total, I have just a little under $5,000 worth of debt which I know doesn’t seem like much but, after I deduct all my bills, I don’t have much money left. Things keep popping up left & right like medical expenses & tires for the car, etc & whenever I think I’m starting to get ahead, I end up even further in debt. I already have two jobs, I already save as much money as I can. Every bit of debt that I have has already gone to collection agencies so I can’t go online & pay on anything. I’m just wondering if [since my credit is already horrible] I should just file for bankruptcy. If I did, would the foreclosure still show up [assuming that has affected my credit]? Would it be easier to rebuild my credit after bankruptcy or repair it by paying everything off? If bankruptcy is my best option, how long will it affect me? Will I be able to rent an apartment? What if a few years from now, I want to buy a house or condo? If bankruptcy is not my best option, is there any programs that aren’t scams that I could use to consolidate or something? Not sure if this makes a difference but, I do have a 2007 car that I bought brand new. I have three years left of payments & I’m current on it. I’m thinking about trading it in for a vehicle with AWD. Serious answers only please. I’m trying to figure out what steps that will help me further myself faster. Thanks in advance.””
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Payday loans for people in army reserve?
Does any know of any payday loan places that will loan to the army reserve. My fiance has a civilian job but they keep turning him down and the companies that do it for military wont do it cause hes not active any more. Anyone have any suggestions
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Home buying with bad credit ?
I have real bad credit I own a house already I’m looking to buy anthoer house. is any thing out there to help me
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Does any one know a loan shark in leeds that could lend me some money by 7pm this evening?
contact me via email please
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How do I get my credit score? Ideally for free.?
I recently got my credit report from Equifax, but there was no FICO score on there. Please let me know how I can get it for free.””
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How do I stop CIC from charging my credit card?
I asked for a free credit report and I was charged 19.99 without my ok. How do I stop them?
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How many times can you take bankruptcy?
i heard you can only file three times is this true
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Should I pay down my credit card or auto loan first?

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My credit card limit if 500. I’ve almost reached my limit. I heard if i pay the minimum every month…?
my credit score will be high rather than paying it all off (even though this is more preferable). I also heard my credit score willl be higher if i use about half my credit limit??
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Do you look at all three credit scores or one?
Fo instance do you use the highest of all credit scores
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All berries Action Replay code-emerald?
I’m looking for an action replay code for all berries for pokemon emerald. Thanks in advance! P.S. Heartagram, if you see this, yours didn’t work. All it did was cause the screen to go black and the game froze.””
“Credit score?

I am trying to buy a home and the dude for the house told me I had a score of 535 and another I went on another website annualcreditreport.com and used TransUnion which said I had 632 can’t I just pick that score and show him that one…because when I signed up it gave me 3 choices and I just picked TransUnion…and I need a 570 to get the home.


Can banks show up at your door during bankruptcy?
in the state of ca…can banks show up at your door during bankruptcy provokating?
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Bankruptcy? what chapter?
I was in a car accident and have all my bills piled up at once, Have been thinking about filing bankruptcy but don’t know what chapter? And I have a car which it isn’t paid off, will have the give that up? I don’t want to? PLEASE HELP and also who would be a great attorney in the state Tennessee?””
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#repost

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“”Paypal, refund… money wont show?””
i bought something online w/ paypal credit card, but then they gave me a refund because they dont accept unverified paypal accounts, it doesnt show my money in my credit card that i got refunded, its still like i bought the item and i never got my money back? help?””
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How can i get my credit score for free without calling on the phone or giving out my phone number?

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Chapter 13 bankruptcy and taxes?
I am currently in a chapter 13 bankruptcy. My case was confirmed in 4/10 I used this bankruptcy to pay off a lot of debt I had including taxes and put it into a repayment plan. A lot of what got me here is that my holdings were decreased. During 2010 I forgot to claim 0 on my w2, and so I owe some taxes for 2010. I owe about 1300 dollars. I have now changed my w2 so that the irs takes the max out of my paycheck. Do I pay these taxes separately? What are my options. I can pay the 1300. I just don’t want my case dismissed. Any answers would help me a lot Thanks.””
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Income limits for chapter 7 bankruptcy in Kentucky family of 8?

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#repost

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How can I contact the credit bureaus?
I ordered my yearly credit reports a couple of months ago but they never arrived so I don’t know if they went to a wrong or old address since it only asks for your zip code. When I try calling the credit bureau it asks for the credit report number I don’t have since I didn’t get the reports otherwise won’t transfer me to an opperator for help. Does anyone know a way around this so I can get through for help?
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Is there a cash advance site that will loan to self employed?

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#repost

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#repost

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Student sent to collections for $4300?
Recently I had my capital one card sent into collections after being in their joke hardship program (I broke my arm over the summer and couldnt work, then failed to make payments… all leading to this). The amount currently in collections is for 4300 dollars and the interest rate is at 26%. I am a 25 year old college student set to graduate next year and subsist almost entirely on student loans. I spoke to them a while ago and tried to negotiate a lower interest rate so that I could make payments consistently which may actually have an impact but to no avail. The representative told me I could settle for 2700 dollars, which I don’t have. I have made a payment of 96 dollars this month which barely pays anything more than interest. I also have two other credit cards with monthly payments totaling 100 dollars (minimum payment). The way I see it I have a few options: 1. Continue to make 100 dollar a month payments to capital one to keep interest at bay and work on paying down my other cards, and hopefully when I graduate I’ll be able to chip away at the collections account. 2. Pay capital one $500–1000 now, and continue making monthly payments to them and also my minimum payments on my other cards, which may take a large portion of the money I need to live off of for the next 3 months 3. Attempt to borrow enough money from family to try and settle the account, which is an unlikely possibility, which also may take a large portion of the money I need to live off of for the next 3 months 4. File Bankruptcy (I have no assests, no wages to garnish) My credit is now ruined a year before I receive my masters degree in architecture. Based on current job placement rates for new grads in architecture, there is no guarantee I will get a job within the first year after graduation. What would be the best course of action for me?””
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How do you go about filing bankruptcy without a lawyer?
I have gone onto the official federal website to get forms, fee info, and general instructions about the steps to take to file a petition with the court. so far, this has been the most helpful. But I did consult with an attorney one time to decide which chapter would be recommended and to answer some specific questions for our particular situation.””
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I just took out my first mortgage on a home. How long do I have to wait before I can refi for a lower rate?

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What is an Ideal credit score to get an auto loan at a car dealership?
And i’m not talking about a we’ll approve anyone or the buy here pay here”””” places.””””””
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How can I find a LOAN SHARK in Phoenix Az?
I need to find a loan shark in the Phoenix, AZ Area. If you know how I can get in contact with one please let me know. I need to borrow money ASAP. I am not worried about interest rates and I am good for my word. Thank you. Please dont tell me that I dont want a loan shark I wouldnt be asking if I didnt need it. You do not know my situation. If you can help me find one I would appreciate it. Thank you very much I am only looking for a LOAN SHARK… I AM NOT LOOKING FOR A BANK OR LENDER!!!!””
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Bankruptcy and civil suits in Oregon?
I just found out I’m being sued in civil court for $80,000+. If I file bankruptcy, am I relieved of the debt? And should I file before or after?””
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What does 90% financing mean?
Hi. Ive been looking through real estate agency sites in the hopes of finding an apartment to buy. In one site
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I have been on every web site looking for a FREE credit report.I can’t find one w/o giving a credit card #?

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#repost

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#repost

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Can I file bankruptcy chapter 7?
My car was repossessed 2 years ago. They auctioned of my car and want me to pay the difference of $3,000. I also have bills of credit card debt and utilities from the past 5 years that I just don’t have the money to pay. I work part time of 25/hrs per week. I still don’t have a car, its difficult for me to get around in the city without spending too much money on transportation. So with the collection agency coming at me with the car money, and all my other debt would be about $9,000. I make about 450/month. I really feel like the only option at this point is to file — since finding a second job is difficult. Will I qualify for chapter 7?””
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How can i find out if someone is monitoring my credit without permission?

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Can a tax credit overpayment be added to a Debt Relief Order?
Overpayment of 500, can it be added to a Debt Relief Order?””
“Credit score?

I am trying to buy a home and the dude for the house told me I had a score of 535 and another I went on another website annualcreditreport.com and used TransUnion which said I had 632 can’t I just pick that score and show him that one…because when I signed up it gave me 3 choices and I just picked TransUnion…and I need a 570 to get the home.

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