 Question about financing a car? |
If I get a car loan for 20,000 at 9.04% for 72 months is this really bad? How much more in the end will I pay with the interest then?
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 Is Credit Debt Killing you? Do you think The Government should stop the predatory practices of some of these? |
| Lenders....... Id say that once you have paid 3 times what you originally borrowed .... then you should be out of debt. But NOT with revolving credit ...... I see way too many people being allowed to ... |
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 What is your jobb?...? |
Ook i'm nearly 16, so i dont have a full time job yet.
But what do you do? Do you like it?
x
Additional Details
Lol, i know job has only one b, i needed to ... |
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 What are my chances of getting a private student loan or a mortgage with these scores.? |
TRANSUNION 622
EXPERIAN 554
EQUIFAX 593
between my two jobs i make about 2500 a month. no big obligations except a rent of 674 per month.... |
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 Are children responsible for parents debt? |
Additional Details
My parents have fallen into great debt, as they always have been. I have put myself through university, and have been working since I was 12, to pay for clothes, ... |
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 I see that about £6000 has been taken out of my bank account in an act of fraud- what should I do? |
This has happened before with this bank so I'm thinking of switching banks.
I stupidly did follow an email and fill in all my details which (in retrospect) probably was the cause- can ... |
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 I don't know what to do about my credit card... pls help..? |
I have one credit card and no other "bad" debt. I have a mortgage, 2 paid off cars and such... my credit has been great.
Last yr my 2 children had a combined 7 surgeries and ... |
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 If I ask collections to remove an item from my credit after it is paid in full, legally can they do that? |
| I was told "you should negotiate that any payment you make will not just be "settlement in full", but that they agree to completely remove the collection from your credit report."<... |
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 My cell phone bill and harrassing collection agency? |
| Ok, i have a cell phone bill from 2005 that i have not paid, and it's not because iam not responsible, it's because i feel this company had been ripping me off, everytime i got my bill and ... |
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 I am in debt about 12 thousand and need help? |
| I wanted to know if there were any companies out there who help me get rid of debt or at least help with my credit score. I am in my last year of college and I do not have anymore money for school. I ... |
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| I recently got a credit card for the first time and I was wondering how does it work? |
| for example I have a $500 spending limit which I have spent when will I get the $500 back do I have to pay it back first or ... |
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| Do Collections/Charge-Offs really just simply fall off a credit report in 7 years? |
| I have done a lot of internet browsing and reading on the subject and it seems that half say yes, and half say no. I am looking for an official answer on the topic. I have a few debts from my early 20... |
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| How many credit cards do you have? ? |
| I was just wondering how many credit cards people have? I have one, but I read somewhere it's good to have more than one. Is there any advantage of having more than one credit card?... |
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arlenesimoneth | Which credit card companies issue co-singing? |
which credit card companies allows co-signing where the borrower's credit is reported to credit bureaus? |
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Credit Guy
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Most issuing banks offer joint accounts. MC and VISA are processors, not issuing banks.
Joint Accounts mean just that - you are jointly liable. If one of the people on the account doesn't pay, the other one is liable. With a joint account, the account affects the credit reports of both parties, and both must qualify for the credit.
Authorized Users are not liable for payment. For this reason, their credit is no considered. In the past, Authorized Users enjoyed credit reproting of the history of the credit account to which they were added. This is no longer the case, and when it does show up now, it does not favorably affect the Authorized User's credit score like it used to.
Credit bureau Trans Union has defined "Authorized User Abuse" as any such account in which the Auth. user paid someone to be added to an account. This is offered by thousands of "consultants".
Trans Union now has a system now for red-flagging these accounts, and are actively seeking to make the practice of selling authorized user status illegal.
A better way to build credit is to simply borrow funds, hold them on deposit while you pay interest payments, then give back the funds. This can be done with no credit check if you agree to simply hold the loan proceeds on deposit until you pay the loan off with them. creditloader dot com does this very easily online. |
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Ted
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As for the previous two answers, neither Visa nor Mastercard issue credit cards. They are both processing companies for banks that sign up with them. Each bank issuing a card with the Visa or Mastercard logo has it's own credit policies and should be contacted directly. Personally, all my credit cards at multiple banks have two names on the account. |
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bdancer222
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All credit cards allow joint accounts. It's reported on both credit reports and both parties are equally responsible for repayment. |
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softballcatch124
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visa doesnt i think... |
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shah
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master card |
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VideoCreditScore
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There's 2 types you should know about.
Joint cards, and authorized user cards.
Joint cards are when you apply with, for example, your spouse and you both have liability for the cards. The credit behavior on the card is reported on both of your credit files.
Auth users are an add on individual who does not have card liability and the the experience may or may not show up on the auth users credit report. The new FICO 08 system, which will take a while for banks to adopt does not allow for auth users to get this credit history reported.
Most card issuers offer both. |
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OC1999
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No credit card does "Co-Signing" what they do is known as a "Joint" account. Basically the same concept in that both parties are equally responsible for the debt, it is just a different term.
Every credit card that I have seen allows Joint Account Holders. BTW VISA and MC do not issue credit cards directly, they are only processing companies. |
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John W
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http://credcards.noneto.com - try this one. I personally use it. It allows you to have joint account. |
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