 Can loan companies etc actually see your credit record? |
| Or are they only given your credit score? I know I can view my whole credit record online, but can companies you are applying for credit with do the same? Can they find out how much you owe other ... |
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 A collection agency is threatrening to sue me over 200.00 will they sue over such a small amount? |
| i really cant pay this debt right now and i always thought they wouldnt sue over such a small amount. but they are threatening to.... |
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 Bank of american took my visa card and i allways pay my bill is this fare? |
| ill allways paid my bank of american visa on time and in advance now there takeing my card is this fare?... |
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 What happens to you, when you quit paying your credit cards?? |
| Hi everyone. Im 19 going on 20, and I have 14 credit cards. For a long time my ex boyfriend was paying the minimums each month and now that we have been broken up for a long time, he no longer ... |
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 When you cancel a credit card do you need to have it paid off first? |
| I have a couple too many credit cards and I'm having difficulty keeping on top of the bills for them. If I want to cancel a couple of them do I need to have the balance paid off first or can I ... |
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 Would you report your own mother to the authorities for identity theft? |
| my mother has open various account under my name and now they are into collections. i dont know what to to becasues i couldnt live with that in my concious all my life......but then on the other ... |
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 I have received a letter address to my name but to the wrong address accusing me of being in debt and taking? |
legal action - the postman has given me it based on my surname - do i have to pay the debt?
Additional Details
It is not my debt - I have never been a customer of this company.... |
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 What is "APR" in reference to my credit card? |
I just got my first credit card, and it says my APR is 21.99%.
My boyfriend tells me that whatever I buy, I have to pay 21.99% of whatever I bought to the credit card company...which ... |
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 My fiance and I want to get married. I have a 40k student loan in default. Will this affect his credit? |
| I am working on a payment arrangement for the loan. My credit is shot. What affect will this have on his credit? He is a business owner.... |
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 Why can't i get a credit card? |
| I'm 18 and im finally able to get a credit card, wat wood be a good interest rate, the 1 i looked at was like in the 17-20 percent rate, i tried to get a walmart card and even at walmar tthey ... |
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 DEBT: I owe $8879 how should I pay it off??? |
| Student Loan: $2625, Best Buy Card: $2029, Old Mastercard: $2871, Old car loan: $1090(it was reposed and this is what they want from me b/c it didn't get full value at auction), Hospital Bill: $2... |
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 Capital one credit card? |
ok i have a question for people who have capital one and have went through the same thing, or even better yet, someone who works there.
me and my husband have awful credit, well capital ... |
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 Credit card limit? |
| if you have reached your credit limit ..but use the card again..will the transaction go through?... |
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 My credit card company has charged me ÂŁ12 late payment fee even although I sent the cheque in plenty of time. |
| When I called them to complain they claimed the payment had now been received but due to the christmas post and the days the bank was closed over the festive period that my payment had been delayed ... |
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Grace C | Most useful advice you've ever learned about $$$? |
This question is to fokes young and old, so please anwser? Thank you!
Additional Details
I, personally think the most useful advice i have ever learned about money was to alway balance your checkbook and stay on top of it because you do not want to go into dept. Also, to save pennies haha! |
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Sir J
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I have not balanced my checkbook in 10 years.
Never use a credit card.
Read Dave Ramsey's "Total Money Makeover" |
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ed
 |
Always walk with your head down.
No one has ever "found" money by holding their head up.
A Russian grandfather. |
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lawumun
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a fool and their $ are soon parted! |
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bejki
 |
I agree, balancing your checkbook is definately smart to do. You need to be aware of what is coming in and going out, or you'll get in a sorts of trouble. Money goes quickly if you're not careful.
On top of that I would say SAVE and make your money work for you. It might start out as just having a savings account & 401k, then move on to cds & bonds, etc. once you save some money. |
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the_devil
 |
Keep,saving money
Buy things with better resale values,like gold and diamonds |
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Buttercup
|
First budget, budget, budget. Remember to budget for fun. Here's a good guide:
Net Spendable Income:*
Housing: 36 %
Food: 12 %
Auto: 12 %
Insurance: 5 %
Debt: 5 %
Entertainment/ Recreation: 6 %
Clothing: 5 %
Med/Dental: 4 %
Misc: 5 %
School/Childcare:** 6 %
Investments: 5 %
(* Income after the 10 percents listed below.)
"There are three primary categories in every person's budget: Housing, Food, and Auto. If these three combined percentages exceed 70 percent of your NSI, then it will be almost impossible to have a balanced budget."
Next, save, save, save.
If you are young -- say, 21 -- simply putting $2,000 a year into an IRA can help you save about $1 million by the time you retire. Older people can still catch up: you'll just need to be even more diligent about saving before you spend.
Marshall Loeb, former editor of Fortune, Money, and The Columbia Journalism Review
For teens: "If you’re 17 now and you save that $150 per month at an average rate of return of 8% interest, take out the bummer stuff like taxes and figure in inflation, you’ll easily have a million dollars by the time you retire. Even better, when you turn 18 you can open an Individual Retirement Account (IRA). With an IRA, the money you contribute grows tax-free. So go for it! Start regular deposits into your account today and make your plans to retire a millionaire."
Lastly, try the 10-10-80 plan: 10% of your income goes to God (or charity), 10% to savings and 80% is your net spendable income. Many blessings. Buttercup |
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dawn18417
 |
Do not try to live above your means,inother words if you make twenty thousand dollars a year do not try and live like you are making more than you really are.Use credit only for assets that go up in value such as real estate.Next don't worry about keeping up with the jonses most of the jonses are in debt up to there eye balls trying to look rich.A penny saved is a penny earned,use coupons at grocery store. |
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sexytrojan
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Save money from every paycheck, no matter how little it is. |
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Tarumi
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do real investment..it give you high income with less cost.. |
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theskullknows
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never measure success in dollars and cents |
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c b basic
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The best adive came from geandpa. He said keep money in your pocket, the bank and always have a stash in the mattress.And if you are spending money how can u save. Learn to live off of free concerts and activities |
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therego2
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The only things you should buy on credit are: houses, cars, education and home repair/appliances. For all other things, if you don't have the cash, you dont' need it. |
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bbhoosier04
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The entire book, How to Become an Automatic Millionaire by Bach. |
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