 Will it be difficult for me to refinance my car loan? |
| I applied yesterday for a new apartment, so obviously my credit will be checked, among other things. My mom co-signed for a new car for me about a year ago and I am now plan to refinance my car loan ... |
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 If i were to break my lease for my apartment would it affect my credit and/or my mother who co-signed? |
first off i do care about my credit and my mothers that is exactly why im asking the question in stead of just doing it.
I moved into an apartment in august with my new husband. we have ... |
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 Does asking for a copy of your credit report affect your FICO score? |
| I would like to request a copy of my credit report from one of the credit reporting companys to see my score. Does it affect my credit the same as it would if a lendor ran a credit check?... |
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 Bad credit question? |
| So I used to have really bad credit. But now I'm making really good money. Will I still always have bad credit?... |
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 Credit Cards? |
| Does anyone know of a place where I can get a credit card, guaranteed? I'm only 18 so I have very little credit, and they turn me down because of that. But you have to start somewhere, right?... |
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 What are some of the best ways to build good credit w/o a credit card? |
| I want to be able to buy a home soon but I don't think I have any credit history and my husband doesn't have the best credit. I would real working answer please, and thank you.... |
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 Last time i paid my credit cards was in 2005, they were charged off, now in collections, can I still be sued? |
| I checked my credit report recently, all the credit card companies have charged them off as bad debt. Can the collection agencies acutally take me to court to force a judgement? Can my wages be ... |
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 How can I improve my credit so that I can get approved for 30k unsecured loan or line of credit? |
| My income is 60K/yr, FICO score 675, 50K student loan in good standing, visa credit card with 3000 limit 3 years old always paid in full on time, 2 old collections reading paid in full on my c. ... |
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 Credit application Fraud? |
| A friend of mine cannot get credit. They have asked me if I would mind putting in a loan application for £400 so they can buy a washer/dryer. He presented me with a completed loan application in my ... |
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 How to check if your parents have searched your credit report using your ss#? |
| My girlfriends parents are asking her weird questions about things that she has purchased on credit without even actually knowing that she purchased them. She thinks as do I that they are checking ... |
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 Is being 10k in credit card debt is bad. Please no advertisements.? |
| 1st thing i want to make clear is I dont want to be poked fun of or badgered. I posted this question a week ago and found nothing but negitive feedback and advertisements for bankrupcies and credit ... |
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 Ok credit but can't get a card? |
| My credit score is in the mid-600s (I forget what it is exactly) but I can't get a card because the balance on the card that I have is too close to the limit ($800 limit). I have been trying to ... |
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 Is there a free credit report site with no strings attached ? |
| Everytime I try to go to a "free credit report"website,it is never free.There is always a "catch".Are there any credit report sites that are absolutely free?... |
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 Does any one know anything about dave james loan lending firm from nigeria? |
| they offered to lend me money but i have to pay a transfer fee has any one used the.... |
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 Does your credit rating go up if you buy a car with cash? |
| I want to buy a new car because I want to boost up my credit rating so I can get a house later in life. Now I have enough money to purchase a decent car with cash. Will this affect my credit rating? M... |
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 Pay off debt all at once or little by little? |
| If I pay off my debt with a loan and pay under $100 a month, is that better than not taking out a loan and paying about the same per month and not being done paying it all off till about a year from ... |
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lucy | How long do you hang on to old bank statements ? |
When do you think it is safe to throw away old statements and receipts extra. How far back can the tax man go? |
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tudorjason (matt)
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You should hang onto them for at least 3 years, but 7 is recommended. It's good to hang onto paperwork just in case you need to refer back to it in the future. But, if you closed the account - it's irrelevant history; therefore, it can be shredded. |
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buster
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6 years in the uk as the tax man could ask to see them.
Never safe to throw away bank statements, make sure you shred or burn them. |
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Bex
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Keep your statements for 6 years. This is the length of time data is held on you by Banks, Equifax, Experian etc. |
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jaha
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All the banks have online statements archived for Eg: Bank of America.
So you can throw them and find any time in the online banking facility or can request for a statement from the bank |
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Rev_Blue
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till i find something better to hold |
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BillyB8
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Statements I print them off as and when I need them.
Receipts, I only keep those that I can claim against, or for proof of purchase.
The rest get shredded. |
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simplesimon
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Many banks now ask you to opt out of paper statements if you have online banking, and just keep your records on the internet. This seems much sensibler (in terms of the environment and your own storage) and safer (in terms of the threat of id theft). So I would say don't keep them ever.
Receipts? When was the last time you needed a receipt you'd kept? Maybe once for a high value item? If its for anything less than £100 (and assuming you don't need it for tax records) I would never keep them. |
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I dont know!
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I bank online, so I don't have any statements sent to my home address. If I need a bank statement from the very beginning of opening my account, my bank will have that. It might cost me a few bob to get hold of it, but it's there if I ever need it. Also, I can download my statements and save them on my pc, so again, no paper wastage (GO GREEN!)
Have you considered banking online? As for receipts, you could scan these and save them to your pc as well.
In the UK, the taxman can go as far back as they want. |
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Gfiddle777
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It is a waste of time and space to hold on to them for much longer than a year. Sometimes you can need statements for tax purposes and things like that, but unless you have a very complicated tax return I would get rid of the statements after you balane your register and verify everything cleared your account properly for that particular statement cycle. If you ever need the statement again, you can pull it up online (normally back to 18 months) or your banker can pull it up as far back as you need fairly quickly. |
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