 Application for a credit card....? |
| okay.. so ive already tried applying for a credit card over the internet and that didnt go through; i tried applying for one through my bank, and that didnt go through... i need some help with this-- ... |
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 Why do these annoying people take 2 mins to take money off your debit card and 30 days to put it back? |
| it is so out of order. i paid a £20 deposit for top up tv anytime and they took it from my card. the next day i cancelled it and went to sky. they told me it takes 30 days to put it back on my card.... |
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 Read my credit report and very bad...? |
| need to get life on track again. Read my report and says will be on report until 2010, 2011, etc. if i call & talk to the creditors and try to pay will they take off before 2010, 2011 or if I pay ... |
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 Does the use of debit card as a credit card affect credit score? |
| I do not have a credit card but I was issued a debit card with MasterCard sign on it and I frequently use it as credit. Is this doing anything to my credit score?... |
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 Lower rate on my Credit Card? |
Any advice on getting a lower rate on my hight interest credit card?
Here's the deal. I have two credit cards. One with a 9.9% rate and one with an 18.5% rate. The 9.9% card has a ... |
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 What items have you bought that have ended up paying for themselves? ...? |
Mine is a bread making machine, it gets used almost everyday and a hair Clipping set cost me £25.00 and haven't paid for a hair cut since 2003
Additional Details
Chewy, how could ... |
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 Can Bailiffs take my stuff?? |
| Hey i live in uk, my parent has the Bailiffs coming round 2moro to collect stuff for a council tax debt, i own the most expensive things in the house as i have saved birthday and Christmas money to ... |
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 I want to take out a loan off 10,000 pounds, i work full time and earn 8 hundred a month,,? |
good credit history, etc,,
if i am able too how soon do you think the process will be?
sorry just i want to help mum with mortgage deposit.
Thank u so much,
... |
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 Best way to pay off this debt? |
| Ok me and my wife made 33000 in 2006 50,000 in 2007 and now my wife is about to get a 16000 a year raise. We had issues with bill, but will now be able to pay everything back. The question I have is ... |
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 Can a collection agency change the agreed amount? |
| I've settled a debt I owed, the agent at the collection agency said that they will be debting my bank account for a certain amount for 4 months and that will suffice the amount I owe. However ... |
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 I have no credit cards or loans and im about 500 in debt from bellsouth how can i get approved for credit? |
| I AM TRYING TO GET A CREDIT CARD, AUTO LOAN, OR A PERSONAL LOAN BUT I GET DENIED ALL THE TIME MOSTLY DUE TO INSUFFICIENT CREDIT HISTORY! SO PEOPLE HELP ME OUT WHAT CAN I DO IN MY SITUATION... |
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 My husband and I are on the verge of losing everything,We both work but we can't seem to make ends meet.? |
| What do we do?We don't qualify to borrow from our 401 k Yet.We don't have enough credit to get a loan from the bank.And they say we make to much for financial help from the state.What are ... |
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 Credit card? |
| i just recieved my first credit card trying to improve my credit if i dont use the card will that help my credit just showing that i have a card and the mothly fees are being ... |
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 Why would you press the credit key even if you were using your debit card? |
I just got my new debit card in the mail. It has a VISA logo, but the bank says I should be sure to press the "credit" button when making merchant transactions with my debit card.
... |
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 I have bad credit. Is it possible for me to still be able to get a car loan for a used vehicle? |
| Without, paying super high interest rates? I also want to spare myself the embarrassment of being turned down for a car loan at a dealer. Any suggestions?... |
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 Is it possible to have your credit cleared, All bad stuff and bankruptcys too? |
| Can you pay a firm to remove this stuff? Is there anyone who has done this?... |
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nis_mm | If the lender that financed my car is not reporting to the credit bureau can it hurt credit if.....? |
I bought my car from a used car lot. they got my fianced by a lending institution. well the vehicle is giving me nothing but problems and i really need to get rid of it. i have been shoppin for a new car but every where is telling me that the problem is my vechicle its upside down in payments and it would cost me about $4,000 to get a new car and get rid of my old one. Also most importantly 3 different places have told me that my car lender is not report my monthly payments to the credit bureau . if i let them repo this car will it hurt my credit? if yes, how can i get out of this old car and get a new one without have to put down a lot of money? |
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timetochangemyname
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One error in one field of a computer program can cause the lender to not report to the credit reporting agency. If you have been making timely payments, this hurts because your good behaviour is not being showcased. Undoubtably, if they repo the car, they will have to go back into the lending program to update your status and the error will be corrected at the same time as your repo status is put in.
It is possible to "pack" the old loan into the new one. This means you will be super duper upside down and paying more in monthly payments than if you didn't have to. This is really only worth it if the old car is not meeting your needs anymore and the new car is going to be kept at least 5-6 years (to pay off the whole loan). You are at risk here too. If something happens to the car, your insurance will not pay out enough money to cover the whole loan. You definely need to look into buying GAP insurance, which can cover the difference so you aren't making payments on a vehicle that pretty much doesn't even exist anymore.
Shop around to find a lender who will take on the whole amount for a reasonable interest rate. Try the dealer, sometimes they do, but I highly recommend joining a Credit Union. The rates are the same for everyone at a credit union and usually a comittee will decide the loan and will take into account your personal needs.
Do your research and your legwork. This is a big money thing. A few days of running around could equal the same amount cash that most of us earn in a month or more. Find out the max amount you can get for your trade, see if you can sell it privately for more, find out how much the dealer paid for the car you want and visit multiple dealers and keep negotiating downward. This isn't going to be a cake-walk, but it's possible.
GET GAP INSURANCE!!! |
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joyceeleann
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Yes, it can...they can still report at a later time if you default or have it repoed...they can report anytime during the contract. |
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stephenweinstein
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If you let them repo it, they might start reporting then.
Look into the "lemon law" for used cars in your state. |
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Proud Spainard 88
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You are in a catch twenty two Miss. You are going to louse no matter what road you take. Take the loss and upgrade with a dealership that is backed by the BBB and is trust worthy. A repo on your credit will kill any chances of ever upgrading into another vehicle. First off save thousands of dollars and use the Fleet department on the Internet. Apply for their special financing and own the new car that you have always wanted. |
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claysoldlady2007
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Yes it can mess up your credit! If you have proof that you are making the payments, then you can fight it, try contacting the Better Business Burrow. |
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Yinzer from Sixburgh
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You could buy a new car before getting rid of the old one and let them repo it (the old one). However, the ethical thing to do is honor your debts. Your issue is not with the lender, it is with the car dealer. Not really fair to the lender to skip out on the loan. Was there any kind of warranty on the used car? If so, and the dealer isn't honoring it, speak to an attorney. |
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merrill3001
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Your loan company will most definitely report any delinquency to the credit bureaus. If they are not, they are violating the law....but the winner is you and if I were you I would be happy.
Being upside down in the what you owe compared to the value of the car...sucks. But, I would try selling the car privately for what you owe. Then, tell the loan people to report a payoff so you can get another car. Repo's WILL hurt your credit for up to 7 yrs. Do not do this if you can help it. |
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Bob D
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If they dont report good info..they might report repos. be very careful. |
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Melisa
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First of all, if they are not reporting your payments, perhaps your actually paying them and their independant financer. Best thing to do is check out your states Lemon Law and see if they can help you out. |
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BQ
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if they are not reporting then it won't hurt. |
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