 Have can I check my credit rating with out having to pay any thing? |
I tried checking my credit report/rating but you have to put in your debit card details and I dont want to pay any thing.
Can I ask my bank do it for me and get them to tell me what my credit ... |
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 Does anyone have experience with collection agencies? I don't know what my next move should be? |
| I have a credit card in collections for roughly 2800.00 . I have had two conversations with the agent. I offered him 100.00 monthly payments. He said it wasn't enough. His tactics are ... |
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 How much credit card debt is bad? |
| I always avoided credit card debt. I own a home and I like to save money. i'm 27 and single and all my girlfriends go nuts with credit cards. I fell into the trap a little bit and now I have $4,0... |
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 Im interested in refinancing my home. i always get tons of mail offering such. what is the best way? |
| im not sure if the mortgage companies are better or the banks?everytime i tried to call them, they are very eager to get my financial details which i dont mind, but giving out my social security on ... |
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 How do I figure out what interest rate I got on my current car loan? My payments/term... $340.54/month; 60mth |
Additional Details
Okay, so you think I need my principle financed... well wouldn't that just be my payments times the term!? So it'd be $20432.40... then you'll need ... |
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 Should I reactivate a credit card whose date is expiring? |
| I have a card that I never use. I understand that for FICO reasons I shouldn't cancel it but I have received a new one in the mail with a new expiration date and I'm wondering which would ... |
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 Credit score of 566, any suggestions on delinquent credit card debt? |
| Keep in mind that this debt is several years old, will paying off some old accounts make it higher?... |
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 I have bad credit affter a bankruptsey 2 years ago - all I have is my job and I want to borrow about $2500? |
| God I think even my dog would turn me down at this point - anybody know anybody who gives real unsecured personal loans based on their employment?... |
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| Can I still File Chapter 7 if I got a summon by a debt collector? |
| I've just got a summon yesterday by one of my credit card I have and I was wondering if I can still file Chapter 7? I do have other credit cards and medical bills that need to by paid as well ... |
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 Can you lend me £20 please? |
| im just asking i could do with a pizza ?... |
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 How do i get a prepaid creidt card? |
| i live in the U.S. and i want a prepaid creidt card. how do i get one and do i need a social security number?... |
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 How can I get a free copy of my credit report so I can start cleaning up my credit? |
| My credit score sucks its like 360 something(sad I know).Ready to start cleaning it up now.... |
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| Where can I get an interest free loan from for about £1000? I don't mind paying a small amount of interest but I'm not risking the bank at the moment. Any one any ideas?... |
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 I got my first bank card :)? |
| Hi, I got a barclays bank acount, and my Dad is putting £25 in every Friday, what should I spend it on/ save up for?... |
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 Finance Help? |
I have $2,000 on my credit card and I NEED to get it paid off. What are some good ways to get some cash quick?? Or how can I get it paid of quickly.
Additional Details
My credit card ... |
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 Can some one apply false charges on my credit history.? |
| I recd a call from this person who claims to be from a credit and collection company. he declared that i have a company and i haven't paid someone a big amount. he has the last 4 digits of my SSN... |
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| Is this an International Scam? |
| I am in Central NJ. I went on craigslist.com to look for a job as an account receivable clerk. I send out my resume blindly to all people in my area. I get an email back from karenbecker@gmail.com ... |
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 I am getting a secured credit card to improve my credit, is it better to get one 1000 limit card or 2 500..... |
| I am getting a secured credit card to improve my credit, is it better to get one 1000 limit card or 2 500 limit cards from 2 diffrent banks? What will look better on my credit?... |
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 Is it good to buy things with a deferred payment until one year later? ? |
| I am considering buying furniture with a deferred payment. Why is it good or bad?... |
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nyarka15 | What should happen when you pay over your monthly car payment? |
When I say what should happen, I mean that shouldn't it come directly off the principle? |
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phillyvic
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How it works on any loan is that it pays the interest FIRST....THEN the principle. If you want to kill off the principle early, add a few dollars more to each payment |
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Lip Service
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Not necessarily, some companies will use that extra to push back your next payment. If you are paying extra, best to send a second check (can be in the same envelope), and clearly mark it as an "Extra Principle" payment with your account number in the memo line. |
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Marko
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If your credit agreement stipulates a straight amortization and that all extra payments will be applied toward the reduction of outstanding principal, then yes, that's exactly what would happen.
But auto loans can be purposely structured in other ways, so you'll have to review the terms of your loan agreement. It may state, for example, that any excess payments will be applied toward future interest owed, so that interest on the balance outstanding will continue to accrue. And many auto loans are not set up on a straight amortization schedule. They can make it purposely difficult to understand if you're not well versed in reading contracts.
In most cases, though, you should be okay if you submit to the lender a separate check, stipulating both on the check itself and on a separate note that this amount is to be applied toward principal reduction only.
To make sure the payment is properly applied, call the lender and verify. If at all possible, get a clarification in writing, or at least ask where on your loan agreement this issue is addressed - only then can you be sure that you've got it right. Good luck. |
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Chloe's mom
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Yes...and no.
If you don't tell them to apply it directly to principle, all it will do is delay your next payment. |
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just me
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they send to extra money to me, thanks |
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CJ
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I like Marko's answer. Bottom-line, it's in the contract. Call your lender. It's better for your credit to overpay monthly and will shorten the loan one way or the other. Just make sure you make all your payments on time and the rate never changes. Loans amortize which has you paying mostly interest up front in each payment with the large principal payment at the back of the term. You need an amortizing calculator to know which is principal and which is interest. It's not like a revol ving credit card. I suggest www.bankrate.com. There are manywebsites where you can see the amortization schedules. |
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elle
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It can go both ways. Extra money can go as extra to principle or go towards the next month's payment.
Mine works as the next month's payment, but you can keep paying ahead more and more. My last three months, they lowered my bill, 10-ish bucks off each time, about $40 less per month, but when you look at it, 40 buck x 40 months=1600 that I save of interest! |
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Notorious
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No. Read your loan instrument again. |
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ginabgood1
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Any overpayment should be applied to the principle. |
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Sandy T
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It should go to your principal - you may have to request the overage go directly to your principal. You would then end up paying it off sooner than the original contact states. But make sure you have that type of loan - it will state that in the original contract. |
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