 Buying new car but first.... should we pay off car loan or credit card? |
| We are going to buy a new car in the next couple weeks (a TrailBlazer SS). My car is currently paid off. My husbands car only has 3 payments left on it. I can pay it off now or apply that money ... |
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 Ok I have apprx. 35k in dept. I'm lookin to file bankruptcy but i'm not sure what chapter I need to file under |
So i guess my question is What chapter do I need to file under?
Additional Details
when going through a debt consolodation will my truck be included in that? It makes up about 50% of my ... |
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 Missed my car paymet, is it a big deal? |
| I had a brain malfunction in March and forgot to make my car payment. I got a call from the lein holder and they told me I was 22 days late. I paid the payment and the late fees immediately. Is this ... |
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| What are the best ways of obtaining credit ? |
| I have no credit card, don't make much $ but am very good @ saving up $. What should I do ? Should I save a few hundred dollars & then ask the bank to lend me the $ & then pay them back ... |
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 If I don't pay my bill will it still come off of my credit report after 7 years (Next year)? |
I have a 6 year old bill that right now is $1700. I don't see myself paying it off in the next year. So if I don't pay it will it still come off my credit report next year?
Additional ... |
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 If you got caught with 5000 pounds in your account? |
| which genuinely wasnt yours by the housing benefits people what would happen and how could you prove it wasnt yours.... |
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 Where can i file a complaint against a credit card company for over charging me? |
| I paid my credit card bill online, and through a mistake it was returned overdrafted. I immediately re-paid it for the same amount. The credit card company then re-sent the first payment that was ... |
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 How can I get out of a bad car loan? |
| 18 months ago my girlfriend purchased a car for her brother (in her name) against my better judgement. She took out a $29,000 loan at 15% interest, which he was to pay. 18 months later, the brother ... |
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| Can collection agencies from the United states garnish wages from another country? |
| If you owe money in the United States and then move out of the country without paying the bill and it ends up in a collection agency, can that agency garnish your wages from the country you live in ... |
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 Not to be morbid but if your co-signer passes away. . . .? |
if the co-signer for someone's auto loan passes away before the term is up...what happens then? Who is ultimately responsible and do you still get to keep the car?
Additional Details<... |
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 Depositing a check? |
I just got my first paycheck and I have no idea how to cash it or deposit it... whatever it's called.
I opened a checking account a couple weeks ago, I want to go to the bank monday morning,... |
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 Im in debt like 12 thousand dollars and i need to get a loan and pay everything off? |
| only problem is my credit score and credit history are very bad i think my score is in the mid 500s any suggestions?? where i can ... |
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 I signed up on freecreditreport.com? |
| How do i know if I was enrolled in the 30day free trial subscription? Do they automatically enroll you in that when you check your credit score?... |
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 Is signing up for college the easiest way to get credit cards? |
| If I sign up for classes will the credit card companies shower me with credit?... |
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 Does anyone know where my husband and I can get a personal loan when we have bad credit? |
| We really want to increase our credit scores and pay off what i think is small debt but looks ugly on our credit reports.... |
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 What is a good Credit card rate? |
| i would like to know what is a good apr rate, and what does apr mean? is that the interest?, and i'm new to credit, anyone know a good online place where to get a credit card like mastercard, ... |
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 What do I do if my car was repossed? |
I cant afford it, Can I settle later and save my credit?
( which is going down the drain)and how do I get my stuff back that was in the car, is there a cost?
Anyone know about this..I live ... |
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h.b.i.c. | Credit reports? |
whats a website that i can get a free credit report right away and one that won't hurt my credit by checking, i want to try and get a new car tomorrow. HELP PLEASE!
Additional Details
and a credit report that is FREE and i get it right away |
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mp_advice
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You're entitled to get one free report from all 3 credit bureaus once a year and there's only one website that you should even consider using and that is:
http://www.AnnualCreditReport.com
This is the only government-sponsored source to get your reports.
This will not hurt your credit because it is considered a "soft" inquiry. No creditors can see that inquiry and it does not affect your credit score. |
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newyorkgal71
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AnnualCreditReport.com |
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JackB
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DO NOT USE freecreditreport.com!!!!
The "free" report they offer is only after you enroll in their "triple advantage" program, which is a rip-off & will bill you monthly.
The government allows you to check your credit report from each of the 3 major bureaus once a year (you can spread it out & check each every 4 months if you like, or do it all at once).
ANNUALCREDITREPORT.COM is the correct site.
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to answer your more recent question, 6 months is not a lot of time to establish a basis... and if your parents are already co-signers on that, they may not distinguish "YOU" as having been the responsible party alone. So, it really depends on the dealer. If you go on your own, you may not get as favorable credit terms (or at all), than you would with your parents.
My advice... try to qualify on your own. Ask what the terms are, and then find out if you had your parents co-sign how much better those terms might be. Depending on the dealer and/or who you get the loan through (i.e. the auto giant, or the local dealership), it may be alot, or it may be negligible. If your parents are still willing to do so it might be the better option... and you can build your credit further with credit cards.
Good Luck! |
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heart o' gold
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You don't need to run a credit report on yourself to buy a car, they'll do it for you when you apply for financing. I was amazed at how quick and easy this process was when I did it about three weeks ago. I was approved in about three minutes and I had only been at my new job for three days. Didn't even know my own work phone number!! |
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smokey
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Go to www.transunion.com |
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natsuko1
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equifax |
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girlwhoknowsitstrue
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freecreditreport.com
You can get what's in your record once a year at no cost.
don't buy anything else that they're selling.
this will not count against your credit score.
BUY GM!!! You won't be sorry. |
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Joe S
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Here is a free consumer guide that may help you find the answer about your credit score and getting a free credit report. |
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Steffi
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freecreditreport.com
I believe they give you the three credit reports(experian, transunion and equifax ), free of charge. However all credit reporting agencies will charge you if you want the total credit score. You do not need to sign up for anything additional on freecreditreport.com, you do not need to. So if you do not sign up for anything, they cannot "rip you off"
The free reports will just let you know what is on there but they will not tell you your credit score.
You can also contact equifax, experian and transunion directly and run it that way.
You are allowed by law to have one free credit report per year. Also, if you run your own credit it does not (or is not supposed) to reflect poorly on your credit rating. It only affects you negatively if someone else runs your credit (ie. a bank or credit card).
Hope that helps.
To answer your additional details: Unless you have something horrible on there in the previous 6 months you should be fine. The car dealership will run your credit and let you know. It is a quick process and unless you are getting your credit run all the time, it really does not reflect badly on your report. Just do not overdo it. I think 3-4 a year is about the average.
So as long as you have kept up with payments, have nothing horrible before that that dropped your credit score drastically you should be able to get the loan yourself. |
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