 How long till something goes off your credit report? |
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 Bad Credit at the age of 16? |
Okay, when I was 14-15
My brothers used my social security number and I blv my name aswell to get cable, cellphones and stuff. Since they had bad credit.
And they did get those ... |
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 Can a 15 year old get a credit card? |
i mean i heard of the 7 yr old getting a credit card and my friend actually got a letter in the mail that said kitty (his BIRD!!!) was approved.....
Additional Details
ok then what ... |
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 A im 10,000 dollars in debt and all my stuff has went to collections how should i pay this debt off ? |
| i have a loan that is 2,000.00 and the rest are credit cards. how much should i pay on them each week and how do i rebuild my credit because i want to buy a house in the next 2 to 3 years?... |
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 Credit Cards.? |
| Why do Credit Card companies allow so many people to get into debt?? People nowadays are using them as if it were there own cash. Then when its too late, they realise they're in big trouble and ... |
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 Do you think it is necessary to view ones credit information when applying for job? |
| In my opinion it is not. I don't have horrifying credit but I have a few items on my credit report. I think it is unfair because they could turn down a very qualified candidate because of ... |
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| will the amount of purchases I make on a credit card make my credit better if I just got a credt card????... |
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| I have paid my debts off over two years ago and would hate to wait 7 years....please help!! T... |
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 Paypal?????? |
| when selling items on ebay when someone buys something from you does the money go into your bank account or your paypal account? if into paypal account is it easy to get back into your bank account?... |
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 Is it better to close a credit account or leave it dormant? |
| i am working to pay off my debts, and i am unsure if it is better for you credit score to close those accounts i will no longer be using, or if i should leave them alone. i am also concerned about ... |
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| How much can I go over my credit card limit? |
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 Help - i'm scared, scottish power are gonna cut me off? |
i cancelled Direct Debit for 15th March cos it was gonna make me OD. i told them i could make payment of £65 on 5 April which i did and could i get new DD for 15 April. They said no.
I... |
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| How do I improve my credit score? |
I just checked my credit score - it is (embarrassingly) in the high 500s. Yes, it sucks.
There's nothing really terrible on my credit report - no bankruptcy, no collections. I was ... |
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 What kind of intrest rate can you get with a credit score of 800? |
| I am wanting to get a car and have a credit score of 800. What kind of APR should I expect at the dealership? ... |
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Hannah.louise.uk | Defaulting on a car loan? |
I have a car loan that i am struggling to pay and am considering Cancelling the Direct debit. i have checked all other options and this seems to be the only way to free up some spare cash. the loan is over three years and i have two left however the car has halved in value since i brought it so if it is repossessed i will have a large outstanding balance, is there any way that i can give the car back to them and end the agreement?? or any other suggestions?? |
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Lord Charlemount
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Sections 99 and 100 of the CCA permit a customer who has purchased goods on a hire purchase (HP) agreement or conditional sale (CS) agreement to hand back the goods to the finance company and have no further liability under the credit agreement provided that they pay at least 50% of the total amount due under the agreement. This is called voluntary termination (VT).
If it is hire purchase agreement and you have paid half of it, legally you are allowed to 'voluntarily terminate' with no recourse. Does not apply if personal loan.
You must write to the finance company and state that you want to exercise your rights to volunatry terminate [assuming HP and you've paid half] |
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SPIFIMAN1
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Auto finance is what I do for a living and if you let it go back your lender will sell it at auction for far less then it's worth and come after you for the balance plus all fees for towing, storage, reconditioning, auction, interest, lawyers, and anything else they can think of.
This will amount to several thousand dollars and if you don't pay they can take you to court get a judgment and then attach bank accounts, garnish wages (if your State allows it) and file liens on any other real property you may own like cars, boats, land and homes.
All of this will show on your credit for the next 7-years making it very hard to get any other types of loans without making massive down payments, paying huge fees and State maximum interest rates.
You would be much better off to sell the vehicle and take out a personal loan for the balance. |
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santobugito
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You can try selling it privately for most of what you owe on it, and pay the balance off quickly to avoid more interest. Check with your agreement and make sure there isn't a clause or penalties for paying early. |
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Dont_taze_me_bro
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You've paid for 3 years, what changed? You cannot return the car and expect anything less than a voluntary repo (I - 8 ). This is a credit killer.
Sell the car, get what you can, borrow to clear the title for the new owner. Pay the difference on the small loan.
In the future, pay ca$h for cars. Pay ca$h for everything.
Period. |
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Earl s
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you can give it back, they will auction it for less than you owe. Then you still owe the balance.
Sorry, no easy way out. |
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luludoodie
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Sorry NO.
You took out a debt. It is up to you to pay it off.
If you get up to any tricks the finance Company will just add extra charges, interest and if necessary baliff charges (which I believe are now £300/visit!).
If you hand back the car you still owe the remainder. You think it is worth 1/2 what you paid. If the finance company says it's only 1/3 it is their figure which is used!
There is no easy/cheap way out I'm afraid.
By the way pretending it has been stolen doesn't work. If you got away with it (unlikely) the insurance company will only pay out a lame figure, so you are still left with a BIG balance. |
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COLIN T
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There is NO way you can just give the car back and end the agreement without owing anything! So far you have only paid back 1/3 of the loan and the value of your car is less than what is still owed on it. At the moment you are struggling to pay the loan but you do have the car. If they agree to take it back it will go straight to auction, be sold for peanuts so still leaving you with a large sum to pay back over the next 2 years and you will have no car to show for it. No fun paying out a big wodge for 24 months when there is no longer anything in your possession to show for it. |
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lilly.lydia
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Sorry No!
There is NO way you can just give the car back and end the agreement without owing anything or just sell your car privately and pay of the outstanding payment. |
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FIONA C
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you say "car loan" but is this a hp agreement for the car or is it a personnal loan you took out to pay for a car?
If it is a personnal loan you own the car so you can sell it privately then pay off the loan.
if it is a HP agreement, since you have not paid half of the contract term you can also sell it privately and pay off the outstanding finance BUT you need permission (in writting) from the finance company first, because if you don't have it and then don't pay off the agreement they can still repossess the car and then you are in a totally different ball game! |
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Chaka P
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Get a free online auto loan quote. http://www.simpleautoquotes.com/Auto-Loans.html The form will give you results based on your credit and financial situation. It's free and you can get an answer in minutes. |
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