 How to get rid of a store credit card.? |
| I recently applied for a job at Macy's, but something came up and I didn't accept the job. I opened the mail today and saw a Macy's credit card! I don't know what to do, and I ... |
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 Credit payments made on due date, charged a late fee due to time difference. Unfair. Suggestions for action? |
| How is it that people on the West Coast can be charged a late fee, even though their payment is paid on the DUE DATE, just because the credit card companies on the East Coast want their payment ... |
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 Is there a home loan that I can get with a bad credit history and still have very low down payments? |
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I live in Florida right now and hope to stay here. My credit score is in it's 300s, so that's pretty bad. Can anyone help me?... |
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 Does Debit Card (check card) work online shopping? |
| I was wondering, if i put in my debit card (check card) number on billing info for online shopping, would that work?... |
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 I am getting garnished for an 11 year old debt, by a 3rd party debt collector.? |
| Is there a statute of limitation on debt? I am getting garnished by a 3rd party debt collector named "Unifund". I have heard of shady practices by this company. I thought this debt was an ... |
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 Does anyone know if there is a fake check scam going on? |
I got an email from someone that wants me to depoist a check into my account for 48,000 the check looks real but im not sure if it is a scam any advice
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Here is the ... |
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 Im in incredible debt. What are the best solutions to resolving this Debt? |
| should i pay off a certain credit card first and move on to the next one? Should I pay the minimum payment on all of them until they are all paid off? Any help or solutions? Thank you.... |
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 Have a couple of items on my report for credit cards I never requested or received ...? |
| Do I need to contact the company to request a copy of my signature showing I applied for them? Will they provide this to me?... |
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 How do I open a bank account when I have limited forms of I.D. and bad credit history? |
I am hoping to start a degree course next week and need an account for my tuition fee. Help please?
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I am a tenant - no utility bills. My mother married when I was five ... |
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 Credit Cards.? |
| How am I supposed to establish credit if every credit card I apply for denies me???... |
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 I have been told i have a credit score of 3 what does this mean? |
Additional Details
sorry i meant 300 i already have finance and mortgage and earn good money but i am trying to get another mortgage to rent out and the advisor said my score was 300 so ... |
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 Paypal question? |
| I have received payment for an item through paypal.The status for the payment says "unclaimed" and I am asked in the action section whether I want to "accept" or "refuse"... |
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 Will it be difficult to get a auto or home loan if I filed bankruptcy 9 years ago? |
| I had to file bankruptcy 9 years ago because of medical bills. It will be off of my credit in a year. Is a loan possible Or should I wait until it is removed from my credit report?... |
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 Can you live without Credit Cards? |
| My mother was planning a cruise with an old friend and had to pay in advance. She was going to pay with check but was told they required a credit card. She didn't own a credit card so went to ... |
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 What should i do to avoid foreclosure? |
| my wife lost her job and we barely making the payments on all my bills especially my mortgage its only five years old no equity ... |
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 What's a credit score that will allow you to buy a home? How long does it take to get to that # if u started 0 |
| I just started using a credit card and I understand 20-50% of your credit line should be the maximum amount of money you should actually use. I was hoping to purchase a home as soon as possible ... |
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deb | In desperate need of advice on buying a home.? |
Ok. Because I have made mistakes helping folks, I have got myself in a slump. I have a low credit score and I keep working to fix it but still have other bills. I do not use credit cards so everything I purchase comes out of my checking account. Yes it gets tight. I pay $1600 in rent, I make $100,000 annually and because I don't own a home Uncle Same hits me with $10,000 taxes owed for 2006. I keep saying I will buy once I straighten my credit but that might take awhile and in the mean time I am owing Uncle Sam. Please help I don't know what to do. Yes I am constantly trying to clean up the cred and keep bills up-to date. Any advice offered is much appreciated. All I know is if I don't buy a home, my owed taxes will get higher and higher. HELP AND THANKS!!!! |
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kiki
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You make $100,000 a year and only pay $1600 for rent and have no credit cards? And your struggling? You are doing something majorly wrong. Seek financial advice from an expert |
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Roger N
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Definitely go buy something, even if it's a small place. Then you can have a write off. After you get on your feet, you can move up and buy a bigger place that has what you want. |
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TripleH_1999
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Get 100% financing if you are a citizen and finance your house! |
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kittycats
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Many years ago, I got into a conversation with a mortgage lending expert who told me some of the things that are looked at, when applying for a loan.
He told me that things like late car payments, credit card bills, etc., didn't factor as highly as whether or not you paid your rent on time.
That was an indicator to them as to how you would be about making mortgage payments. If you were consistent with your rent, you would be with the house payments as well.
Also, the size of the down payment.
If you make a very sizable down payment....that's equity in the home. Even if you screwed up and defaulted on the loan, and they had to repossess......they would still realize a nice profit from that equity. So they're more likely to extend a loan to you.
Your main problem may be interest rates. Find a place that would be willing to adjust your rate in the future, after you've proven yourself. |
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Scoots
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You might look for something that is owner financed. |
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8p8a
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Talk to many home lenders, but watch out, some are lenders are like used car salesmen. If your credit rating is bad, the interest will be high, but you can work with this. Right now, its a buyers market, and there are not enough buyers. You may be able to arrange morgage initially at a high rate, but as you make regular payments, your interest rates will decrease over time. So ask about this and get it in writing. Buying a home will help on taxes, and the money saved can be put to principal, and by making regular payments, your credit score will improve. Using your debit card instead of credit cards is a great first step into improving your credit.
Talk to as many lenders as you can, it's worth your time. |
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DaLab
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If your income is steady that is a plus, continue to work on cleaning up your credit, get a copy of your report from all 3 agencies and dispute any errors. In the mean time check out Fannie Mae to see what programs they have that can help you.. |
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live75
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You don't save that much on taxes from owning a home... you just get credited for the interest. Sounds more like maybe you should have more taken out of your wages or pay estimated tax so you don't get hit all at one time. But, buying a home is always a good choice. You can always find a lender, even with having a low credit score, but you are going to have high interest. They might always start you with an adjustable rate loan (which sucks) as rates can change drastically- which in turn affects your payment. But, I had to start that way once- then after a year or two, if you make timely payments and your score goes up (which paying on a home helps), you can always refinance with a fixed rate at a better interest rate. |
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