Business & Finance - 30 December 2006

Does being late on car payment versus credit card, bills, etc value the same score on credit report?

2006-12-30 05:44:03 · 6 answers · asked by TXHIMstudent83 1 in Credit

I need some help with no docs/stated income home loans.
My husband and I are in the process of getting pre-approved for a home loan. I was assigned a loan officer that asked for all documents, W-2, pay stub, bank statements, 401K. I provided him with all documents. He told me he will be using a stated loan because the fact the my husband pays child support will disqualified us. My husband credit is in the upper 700's close to 800 for the highest and mine low 700 lowest 706.
Now here come the question is this loan officer trying to take advantage of us? If we provided proof of income don't we should be doing a full loan documentation? Oh and he is using my credit score vice my husband and he stated the reason child support again, we were approved already for a mortgage but the loan officer was not honest and we backed out of the deal and child supports was never an issue.
I live in the San Diego, CA area.
Can I make this loan officer use my husband score and full loan doc?
Thx

2006-12-30 05:40:16 · 6 answers · asked by mmcpo29 2 in Renting & Real Estate

2006-12-30 05:38:09 · 10 answers · asked by j b 5 in Careers & Employment

The car insurance company paid the collection agency for Hospital bill April of this year yet they are still sending me letters. They claim to have not received a check when i sent them a fax with a letter that it was paid and the check #. Two weeks ago I sent them another fax with another letter from teh car insurance company and they claim to have nor received, yet I have a fax recweipt that says it went through. I even confirmed the #. These people are realy getting on my nerves is there anything I can do? Everyone i talk to tells me different things, my insurance advisor even called them on my behalf and spoke to the supervisor and got no where.

2006-12-30 05:37:21 · 7 answers · asked by babig221982 3 in Credit

I'm not short its just tall women think I'm cute but it hurts my chances for promotion when they see younger women flirting with me that way.

2006-12-30 05:36:36 · 7 answers · asked by STEVE A 1 in Careers & Employment

2006-12-30 05:35:50 · 4 answers · asked by corkie 1 in Careers & Employment

We had a family member call us from another state. They wanted to use our address to rent a U-Haul truck. They said they couldn't use their address because their credit rating was not good. (A step-child ruined their credit , according to them.) We told them we didn't want them to use our address in case something happened to the truck, then it might affect our ability to rent a truck from U-Haul in the future.

We called our local U-Haul office. They told us that credit rating couldn't be determined using an address alone.

Something fishy seems to being going on here. What do you guys think?

2006-12-30 05:32:43 · 5 answers · asked by SuzieQ92 3 in Credit

We run a Carpet Cleaning business and I am wondering what is the most effective way to advertise. I have posted this one a few times but I keep getting good ideas. We have a web site gordonscarpetcleaning.com. Please visit the site and let me know if there is anything you would take out or add. We have done door hangers, door-to-door selling, we dont have a lot of money or good credit. We have tried Money Mailer, it was not worth it.
What would you, as a customer like to see or hear?

2006-12-30 05:30:29 · 5 answers · asked by Angel 2 in Small Business

2006-12-30 05:29:26 · 1 answers · asked by aikon56 2 in Renting & Real Estate

Credit isn't the best in the world there is about 200,000 equity on my house my mortgage is for 100,000 . House payments are up to date and owe 2,000 in credit card and doctor bills. My salary just barely pays mortgage and utilities.No loan companys please.

2006-12-30 05:29:24 · 12 answers · asked by eagle 1 in Personal Finance

2006-12-30 05:26:31 · 1 answers · asked by Anonymous in Credit

2006-12-30 05:24:40 · 9 answers · asked by corkie 1 in Personal Finance

We are renters and our landlord wants to remodel the kitchen but is asking us to move out for 3 weeks while it is being dione, she is still expecting rent is that right?

2006-12-30 05:24:26 · 6 answers · asked by jphdjc143 1 in Renting & Real Estate

2006-12-30 05:21:16 · 2 answers · asked by mark a 1 in Small Business

at the moment i am living with my boyfriend and his mum she currently claims child benifit for me as i am 17. we are looking for a place of our own and i would like to no does anyone no what i would be entitled to claim when i move out as i am a full time student but i am also looking for a job.
am i entitled to claim income support and if i am how much would i beable to claim?
i only ask this so we could work out if we could afford to move out or not.

2006-12-30 05:20:33 · 6 answers · asked by mummy to 3 miracles 5 in Personal Finance

I used t be a shot girl and make a lot of money on one day but im not sure how waitressing money is? Waitreses out there...opininons..thoughts,,,suggestions. I am in CT, and i have found some good places to apply on craigs list

2006-12-30 05:19:53 · 4 answers · asked by Yenny V 2 in Careers & Employment

Has anyone tried the HSBC LiveCash account and what do you rate it. Are there any other similar accounts that you would say is better??????


Cheers

2006-12-30 05:19:28 · 6 answers · asked by footie089 1 in Credit

My insurance company sent me a check for $3500, it was supposed to be for $350. What should I do?

2006-12-30 05:19:11 · 8 answers · asked by True Dat 4 in Corporations

I passed my MCA from an open university.I don't know the HR policy of DELL.Please tell me that is my MCA will be Recognize by dell or not.

2006-12-30 05:14:37 · 2 answers · asked by Rahul pal 1 in Careers & Employment

I live in Monroe, NC.

2006-12-30 05:12:19 · 13 answers · asked by kendall s 1 in Credit

2006-12-30 05:09:05 · 11 answers · asked by nh_lady_2003 2 in Careers & Employment

I own a home and want some extra money.I have about 200,000 equity on my home and my loan is for a 100,000.My credit is not the best in the world.I have 2 credit cards total of 1,700 dollars and owe a few doctor bills totaling 730 dollars.My house payments are current and I have no car loan.My salary just barely pays my bills.Maybe I can leave some money in a high interest account to acquire some money from the equity loan too and use some of the money to do a few things to house but not major remodeling just new carpet,paint landscaping etc etc.What is the best way to get some extra cash,I am a single mom and only have my one income coing in and can't take another job because I have to take care of my other responsiblities as a mom.Please no loan companies respond. Just want to make my quaility of life a little better.Thanks anyone.

2006-12-30 04:56:30 · 2 answers · asked by eagle 1 in Personal Finance

I have been turned down for loan requests and am in need of 3500.00 to get thru this rough patch. I have a steady income and can repay guaranteed. The banks wont consider me, due to being a high credit risk.

2006-12-30 04:50:54 · 5 answers · asked by Anonymous in Credit

have spent 3-4 week trying to refinance my mortgage loan & each time the loan officer I'm working with promises me that he is the person that can get my loan done...but it really comes down to the underwriter decision. Why can I just work with an underwriter instead of a loan officer? It will say sooo much time!

2006-12-30 04:48:40 · 2 answers · asked by mcoopd1 1 in Renting & Real Estate

I am soon starting my own business, I am going to be repairing and building personal computer systems, installing wired and wireless networks and providing some software support to domestic customers, my name is as above, I am just trying to think of a catchy name for my business?

2006-12-30 04:47:17 · 19 answers · asked by iamthemullit 2 in Small Business

How large does a house have to be, to be considered a mansion?

2006-12-30 04:40:39 · 6 answers · asked by ♥Simple♥ 2 in Renting & Real Estate

I need help on possible career options. I am starting to see that most careers in our society are centered around these work settings: We live in a 9-5 world, numbers world, a desk world, paperwork world, and a business world. I am the exact opposite which is why I struggle with jobs! I am a night person, physical person, words person, dirty work person, and humanisitic person. Being an accountant or businessperson would kill me inside. I would die if i ever had to sit in a office cubicle and do the 9-5 routine and do paperwork and work with calculations all day. I dont know how my business friends do it. I wouldnt be using any of my own talents. I have listed some good careers for me: Cop, Nurse, Flight attendant, Bellhop, and Actor. Can you think of other careers that would utilize my strengths. I like working at night, working with people, writing, being on my feet, and being physical. Any suggestions would help.

2006-12-30 04:39:35 · 6 answers · asked by usa_jcrew68 1 in Careers & Employment

Im think I want to be a physical therapists. I want to know how well they get paid, how many years of college, and are there any colleges in sourthern Arizona?

2006-12-30 04:39:25 · 3 answers · asked by Ria 1 in Careers & Employment

When they ask you to upload or paste a resume, but say nothing about a cover letter, is it expected that a cover letter be uploaded as well in the same file as the resume?

2006-12-30 04:31:38 · 3 answers · asked by Anonymous in Careers & Employment

I have some credit card debt hanging over my head...most of it is from when i was unemployed a few years back. needed to use it for basics like groceries and rent (had no alternative).

i've negotiated my interest rates as low as the companies are willing to go and have good credit. however, the interest rates are still pretty high, so i'm getting reamed in the long run with finance charges. i want to pay at least one of the two cards off and close the account.

this debt is causing me stress, I can only afford to pay the min. payment each month and want to have more disposable income and money for my 401k deduction and savings account.

Any thoughts on using my ROTH IRA to pay off the debt? It will take nearly all of my IRA to cover the debt, so that's the big concern. However, i'm confident i'll be able to replenish it from other sources over the next few years.

FYI, I'm 34 in case that's a question in terms of retirement timing.

Anyone do this and have any regrets? Thx!

2006-12-30 04:24:32 · 6 answers · asked by Anonymous in Personal Finance