 Why do banks ask for your national insurance number when you're applying for a bank account? do they check |
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the number, because i can't remember my number i think i got it right but now i'm not ... |
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 What can a prospective employer see in a credit check done to a prospective employee? |
| What I mean is can they actually go into detail with your accounts, etc.? OR do they only see you "credit rating" or "score"?? Someone with experience as an employer or manager, ... |
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 Do you mostly use cash,write checks,or use a credit card to buy things?? |
| I always use my debit card......i rarely use cash,or write checks unless i am paying a bill.I don't have any credit cards so if i don't have the money in my checking account,iwon't buy ... |
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 What does a 649 fico score mean? |
| I found out my FICO score is 649. The worst thing in my credit report was I missed some payments on a credit card for 3 months about a year ago. Also, I had a lot of open accounts, but I don't ... |
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 Bankruptcy? |
| My freind was made bankrupt about four months agao and i finding it hard to get a debit card he doesnt want an overdraft or anything he just want to be able to get his wages paid in and that has ... |
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 I need help . my friend open a credit card in my named and she add her self as a authorize user .? |
| she apply thru the telephone she have used the card in her named and also made payments. i call the card company and close the account. but they are still want to charge me for the amount. they said ... |
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 How bad is my credit? |
I know I could get my credit score but it costs money and many of you are knowledgeable enough to help me out for free!
I'm only 19 but I want to get a car loan soon. I am wondering ... |
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| I've offered what I can afford to pay but they rejected it so I've put it in writing and am waiting for a reply. If this doesn't work and they come to my home how are they allowed to ... |
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 Which looks worse on a credit report? |
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 I've been trying to get an auto loan??? |
| I found the vehicle I want to purchase. I am 20 years old. I can comfortably afford the payments. I only have 2 credit cards, with a total of less than $600 owed. (lol) I have never financed a ... |
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 Credit cards: Is it better to pay off the full balance or make payments? |
Say you had a balance of 500$ on your credit card. When the bill came, would it be better for your credit to pay off the 500$ right away, or make above the minimum payments?
One of my teachers ... |
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 Should I tear my oldest credit card or just cancel it? |
| Hi, I have my oldest (first) card which helped me acquire a credit history. It is now an unsecured credit card with its own benefits (my credit history is solid). My financial institution that issued ... |
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 I was wondering if anyone can help regarding a debt i have? |
| This debt is my only one, but the problem is the interest they charge, as it's really high, so basically whatever i pay pretty much goes to the interest, so it will take me forever to pay it off.... |
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 How can I get a 15,000 loan without a credit check? |
| I took a $17,000 pay cut about a 2 years ago. My wife was using our credit cards for basic living expenses. Needless to say we got way behind, we have 2 in court trying to get a wage garnishment. I ... |
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 My visa card intrest rate is 19%, am I getting ripped off? |
| luckily my limit is only $1200 but is this a high rate for todays market? what is your interest rate? Should I try to negotiate for a lower rate? if so, what do I say? have you ever done this? ok ... |
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Jacob F | My parent's credit score isn't good enough for me to buy A new Computer! What do I do? |
OK, so I'm 14 and we have a family PC that is really crappy. I want a Dell that is only 18 dollars a month, which I can afford. But my dad says his credit score isnt good enough, so I have to save up all 600+ dollares for him to like credit it or something. Upon asking to get a Job, it was a "no", even after lengthy and persuasive discussion. It is frustrating that I can afford the monthly payments but I have to suffer because of my parent's financhial mistakes. at the rate that I earn money, it would take me one or two years to save enough for my new PC, by then I will lose interest. How do I make up for my parents mistakes and buy myself a computer??
Additional Details
O kmaybe you guys didnt fully understand my problem. IN order to buy the new computer, i need to use my oarent's credit card. I work hard for my money and i dont get any "free" money. I buy everything extra I want (ex. video games, music, TV, COMPUTER) my parents would not be paying one red cent, I would be fully reimbursing them. I am not a spoiled brat, I believe I am far from it. I appreciate what I have, but in order for me to do things faster and more efficiently like homework, I have to have a good PC and one that the whole familuy is not hogging all the time. I am not even asking for them to buy it for me, what i need is a way to convince them to let me get a job, or make money. I've talked to my dad, and he said he'd gladly let me use his credit card if his score was higher. This is not an issue of "it's not fair" just, how can i better myself? |
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richdevens
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Try looking for used computers; not the best, but cheap! You only need it for a few years, then you'll have enough to buy something better.
Any chance you could spruce up the old box? Maybe a new stick of RAM would give it some more punch. You might also burn the files you want to keep and reformat the hard drive, that always makes my old machine run faster. |
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ogg08
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how about accessing an uncle or aunt with a better credit score? |
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AngelEyes
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Have you ever thought that your parents credit is a mess because they had a spoiled brat for a kid and tried to make him happy??? It's not their job to give you everything you want, just everything you need. Obviously your computer works or you wouldn't be able to post this question... be happy with what you have. oh and welcome to the real world kid... you can't always get what you want. |
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Renegade_X
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Some of the best advice my father ever gave me was to never buy anything on credit. It creates a form of indentured servitude in our society. |
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SuperCooper
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Forget the revolving credit BS. You'll be waaaaay ahead of the game if you do. Here's a video on the importance of remaining debt-free.
http://www.freedom-fight.net/moneytrap |
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Horton Hears You!
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Many public libraries have computers available for use by the general public. Many internet cafes offer reasonable rates. Many friends would allow you to use their computer. |
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★★★ Katharine ♥♥♥♥
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your parents mistakes?? actually- I think its your mistake for not saving your birthday/christmas money you received throughout the years - to save for something you really want - instaed of just blowing it : ) |
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DaMan
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GET IT TOGETHER.
Never under the laws and rules of parenting do I recall that they are REQUIRED to provide you a "top-of-the-line" computer.
Perhaps you need to meet students who have NEVER even had a "crappy" computer in their home.
I didn't hear an ounce of gratitude in your e-mail. You should be thankful for that crappy computer as there are plenty of students who don't even have a computer in their home.
Computers at SCHOOL and LIBRARIES should suffice for your age UNLESS you are running a business or something.
The best way to "make up" for your parent mistakes is not to make the same financial mistakes in the future. Maybe you can use this as a bonding moment and instead of asking for "THINGS" -- ask for advice.
Ask your father how does one maintain good credit or what he would have done differently to improve his credit score. Ask your father why is the credit score so important nowadays. This will give you perspective into understanding why he MUST tell you no for now.
While you are using the computers at the library, get some books that talk about credit scores and personal finance. |
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dicey047
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Your parents gave you life. They feed, clothe, and keep a roof over your head. Go use the computers at the library. You sound like a spoiled brat. |
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nite owl
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I completely understand your problem.
You may need to go to a rent to own place, will cost more but your parents will not need the credit and it will not go against there credit if you end up unable to pay for it,Or you may need to go with used.
Growing up there was a lot of things I was unable to have because we could not afford them,so I do know how you feel.And some of these people need to realize just because you can physically have kids don't mean you can afford them.I know its not the popular thing to say BUT TRUE......like it or not. |
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DollyLama
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Your parents are trying to instill the value of earning and not being handed everything in life. Your family has a PC, yet it's not up to par for your standards, you mention "my PC", 1/2 hour ago you posted your parents told you to get a job baling hay, and you post your zip code, ask how to find one? Or your answer to the one who posted scared to show parents report card, and you advise to toss it, act dumb! Grow UP!!!
I'm with your parents on this one, you earn it, you buy it yourself, learn the value of a dollar. Don't necessarily blame your parents for poor credit, do you even take in to consideration why? Possibly one was laid off and gotten behind, or medical reasons, etc.
You don't what to be know as the kid that the parents provide some used transportation for work, yet they want a 2007 Pickup or the latest hip car, and blame their parents, shame !!!!!!!!!!!! |
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confused
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what i did was go to the rescue mission here they had dell pentium 4 computers with windows 2000xp that were donated by the houston county medical center.it cost me $200.00 dollars plus tax. i am sure where you live at they have a salvation army store,or some place where people donate to like goodwill. or check for sale items in your news paper.and you can also go to a used computer store. |
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First Lady
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You'll appreciate things more if you have to save and sacrifice in order to get them. If you say that you're going to lose interest in 2 years, then why should a company take a risk in loaning money to you or putting you on a payment plan? I'm not sure why your parents don't let you do some things to earn money. I think that would be a great idea esp. so you don't follow in their foot steps. But, I guess they have their reasons. You can always use computers at the library. You could also look at some chaeper models than Dell. |
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