 How much do you spend on groceries/household items in a month? |
| My husband and I are starting a budget & we were discussing how much we should put aside each month for groceries (food, baby food, formula, diapers, cleaning supplies, toiletries, etc... ... |
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 Do you think that CD rates will go up very much between now and a few years from now? |
| How much do you think they will go up? Do you think that inflation will go up too so that even if they do go up it won't matter much because inflation will be eating away the gain?... |
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 If I'm signing up for a checking account that is ONLY for my financial aid, which overdraft policy is best? |
A. I want TCF National Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions
B. I do not want TCF National Bank to authorize and pat overdrafts on my ATM and ... |
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 My bf is so mean with money. He has a great job and owns his house but he won't help me pay my gas bill? |
or my electric or my rent anymore.He just sprung it on me today, with no warning.
He says that after three years I should be able to afford it myself now.
Granted I am earning pretty ... |
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 Taking a loan on my 401k...need help? |
| I had planned on taking a loan on my 401k to pay for some unexpected expenses. However, my company is being sold and the sale will be complete in July. I have a couple questions regarding this. O... |
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 which online surveys are legit...and how is the money sent to you? |
| im thinking of trying it out but i want to know which ones i can trust and which to avoid? plus how is the money sent to you. if you dont have paypal do and how you have to set it up?... |
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 Why do you have to pay to declare yourself bankrupt in the UK? |
| I don't intend to ever go bankrupt, but is it just me who thinks this is a mickey-take? What if you can't afford it?... |
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 TD Bank- Debit card- automatic withdraws? |
Can you create a new debit account, deposit a check, and use your debit card all in the same day? or do you have to wait one day for the check to clear?
Additional Details
just checking..... |
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 How do i convince my parents to let me withdraw £600 from my trust fund.? |
I am 16 and my trust fund is for when im 18 but my parents have access to it.
I am going to college in September and one of the course requirements(photography) is to have an Apple Computer.
... |
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 how can you make money off of taking online surveys? |
is that a scam? how can they send you money if they dont know ur billing address and etc.
plz help me. ... |
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 Bank of America ATM took my card? |
I entered the correct pin number, and it is not expired, I had plenty money in there. Tomorrow morning, I plan to go to BOA and ask them my card back, will I have any problems?
Additional D... |
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 Bankruptcy in the UK? |
| If you go bankrupt and all your debts (like £50K in loans and credit cards) are written off and your home is taken from you, what ELSE can they take? The person I am asking for has a car worth ... |
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 utilities???? how much to plan for! !? |
| I just bought a 1400sq ft row home. Two people will be living in the home. How much would you estimate water sewer and trash? There is a brand new central air how much to estimate electric? L... |
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 Whats the difference between saving and current account? |
| Whats the difference between saving and current account?... |
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 Chase banking... a refund hasn't hit my account yet? |
i haven't got my refund in my account from JC pennys and i've contacted them and they say talk to my bank but their closed. it should take this long. right??
it was on the sat. 29... |
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 What are good ways to earn money? |
| Ok I am 12 and I am on summer break. I want to make some money for my family to have a vacation. My grandma is paying for most of it but I really wanna help and pitch in some money..... problem is....... |
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 what does 2500 discount with 5.9 financing mean over 4 years????? |
| Please help! This is driving me crazy! 10 points to the best answer.... |
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Chivon | Will my credit score ever get better....? |
Ok, I'm current on all my crediters (car loan, credit card, and my student loan deferrment is just about done). I have slipped up a few times due to job losses and it affected my credit score pretty bad. My car went into reposession status twice, but never has gotten repo'ed (luckily both times were around tax return time so I was able to save myself), as well as my utility bills got reported, as well as a cell phone bill. I'm doing okay now and I don't forsee any problems in the future (cross fingers), but, how bad will this affect my future? Im planning on buying a house in a few years, and Im just worried my credit will get us denied. (I think my score is like a 520 or something :( ) I'm 22, and like I said, I have a credit card (max out @ $3,000 cuz i had to fix my transmission on my car) that I went late a few times on, and my car. Also, on my credit report it said there were 6 items in good standings, and 5 that were not in good standings (although I'm current on everything) please help i'm kinda worried that I won't have a bright future! : Thanks....no sarcasm please |
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mrwizard9090
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as you found out, it's not just loans and credit cards that get reported. late bills too. you managed to trip nearly every trigger they have.
if you have no more events, in a couple of years your score will be better. you should get that 3000 CC payed down. one of the ratios they use is debt:available credit. you are at 100%. very bad.
there can be a delay between the actual event and it arriving on your report. especially for utility and phone bills. they are very prompt to report you are late. a report that you are caught up can take seemingly forever. |
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Phil
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No.... |
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bdancer222
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You really need to set up a budget and learn to live within that budget. All those late payments are killing your credit. You might consider reading some boods or taking some classes on financial management and budgeting.
Derogatory items will age off your credit report 7-1/2 years from the date of first deficiency. The older the negatives, the less impact on your score. If you plan on buying a house in the future, you should wait till the derogatory items age off or negotiate settlement. Mortgage companies will require that all negative items be resolved.
Carrying balances of more than 30% of your limit on that credit card, hurts your score. Pay off the balance and your score will rebound.
You really need to work paying everything on time. All those late payments are killing you. You will need at least 24 months of consistent, on time payment history to see any improvement in your score. |
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