Business & Finance - 31 August 2007

My credit started in 1988 when Mobil or Exxon reported that I opened a credit card.

No big deal. I'm ok with that even without my authority and consent.

What I'm not ok with is how much bee-ess I'm having to go through to get my stupid credit reports from these jamokes.

Mobil, Exxon, and any other Tom, Dick, and Harry can say whatever they want about me at the drop of a hat. However, try to get a copy and what do they say?

"The information you provided as proof of your identity does not match your information currently on file."

I'm trying to teach these credit bureaus a little bit of math:

If A = B, and B = C, then A = C.

A is me
B is the creditors
C is the credit bureaus

A can talk to B.

B can talk to C

But C won't talk to A.

What exactly is it the credit bureaus don't get about that?

2007-08-31 08:07:12 · 4 answers · asked by Question Monster 4 in Credit

2007-08-31 08:05:35 · 5 answers · asked by vain_guerilla 3 in United States

What are they when it comes to mailing, etc? Especially when someone says they are going to send out one in a letter or something and thanks!

2007-08-31 08:04:17 · 1 answers · asked by coolbeans 2 in Other - Business & Finance

I have search and search and lost some money in the process. But I still want to operate my own business. I am of limited funds so I would be looking for something affordable and reasonable.

2007-08-31 08:02:29 · 13 answers · asked by December Princess 4 in Small Business

I'm interested in serving on non-profit boards. I have a great deal of volunteer experience, but I just started working full-time. I have a post-graduate degree. It's a great way to use the skills I have while networking and gaining new experience. The organizations I volunteer for already are... bureaucratic and their board members are all significantly older with more experience and major donors. They include health and advocacy groups. I know they value my time and effort, but they've brushed off my inquiries.

How do I go about achieving this goal?

2007-08-31 07:53:45 · 4 answers · asked by anon 2 in Government & Non-Profit

ANyone else here see our president today talk about the subprime situation! what a bunch of crap! funny he's going to ask lenders and FHA to loosen guidelines for borrowers with good credit! ever seen someone facing foreclosure with a good score!

sorry i fell the president is just spouting crap to help wallstreet this is not any type of a salution!
lets see if you have good credit we can try to get you a better rate than a year or two ago!
ANyone else feel that our president has no real clue or just doesnt care

2007-08-31 07:52:18 · 8 answers · asked by Anonymous in Renting & Real Estate

I'd like to pay off a credit card without the world (or my wife!) knowing about it. I can make good monthly payments but it's best if I deal with it asap. Thanks.

2007-08-31 07:51:53 · 4 answers · asked by frothylager 1 in Credit

A company is threating to send my bill to a collecting agency. I always pay the bill in full every month. I decided to stop part of their service a couple weeks ago. I get the bill today and it's a month in advance and they want me to pay it in full when i quit part of the service and now they're threating to send it to a collecting agency when i no longer have the full service and why pay full service ? Any advice on what to do ??

2007-08-31 07:34:34 · 1 answers · asked by tigerclawz031 2 in Credit

2007-08-31 07:31:39 · 6 answers · asked by wtesdahl 1 in Other - Taxes

@ my university I was paying with a Mastercard Debit and it stated an additional $10 fee would be added to the total, and When I went to purchase an ID fro the DMV it said the same thing but the fee was $2

2007-08-31 07:29:41 · 2 answers · asked by Fruitful1 3 in Credit

2007-08-31 07:27:51 · 3 answers · asked by cristina b 1 in Credit

How long can collection agency try to get money after you? if there a time frame they will stop calling ? and if you dont pay at all, are they going to give up the account eventually?

Thanks!

2007-08-31 07:27:40 · 5 answers · asked by hideaki413 1 in Credit

I had a pretty large capital loss several years ago. Since then I've been doing the 3000 deduction each year from my gross income during tax writeoffs.

Will the IRS ever request to show proof of my deduction even though it's a carry over from years and years ago? Will they ask to see proof from my original loss back then?

2007-08-31 07:26:26 · 5 answers · asked by unhappy 1 in United States

Say for instance that my 2006 taxes are fully paid.
Yet for 2007 after I file for my return next year in april that it turns out I underpaid by 2000 dollars.

Will I owe the IRS a penalty for this?

Second senario.

Say that for 2006 my taxes are fully paid.
But for 2007 I am also getting a tax return of around 100 dollars because of all my deductions such as charity, real estate tax and interest etc. Even though I technically underpaid the IRS before the deductions, after the deductions are accounted for I still have a return.

Will I owe any penalty for underpaying before the deductions are accounted for?

Please let me know what my consequences are for both senarios.

2007-08-31 07:25:03 · 3 answers · asked by unhappy 1 in United States

I went to an emergency room using my insurance card, just like all times they denied one of the claims the total cost was $ 22.00, I wasn't inform about it, it went to a collection and now it is on my credit report as extremely past due, how I can fight them to wiped off of my credit report.
Thanks, Cesar

2007-08-31 07:21:46 · 2 answers · asked by Cesar Z 1 in Credit

Is it possible? I'm living with my grandma know but she lives in a 55+ complex and they say I can't live there. My parents will know that I'm living in an apartment, but they won't know WHO I'm living with... and will the apartment place say anything about me living with him? I'll be 18 in 2 months and I am attending a community college in southern california.

2007-08-31 07:20:33 · 11 answers · asked by ? 2 in Renting & Real Estate

no scams please, just constructive advice and suggestions please!!!
thanks!

2007-08-31 07:14:57 · 5 answers · asked by healinghealer 1 in Small Business

When a piece of Real Estate goes into default, is a Repo or a Foreclasure

2007-08-31 07:14:01 · 5 answers · asked by Anonymous in Renting & Real Estate

2007-08-31 07:12:49 · 3 answers · asked by melissa 2 in Renting & Real Estate

I rent a house and have been given permission to rent out a room. I have already had one roommate but she just moved out, so I found another roommate. My landlords just informed me that they get the security deposit from my new roommate, reason being that they are the landlords. I personally don't trust them holding onto that money and am pretty sure that legally my sublessor has no finiancial responsibility to the landlords. As long as the landlords get there monthly rent from me and I take care of any damage my roommate may cause things should be fine, right?

2007-08-31 07:10:58 · 5 answers · asked by Curious 1 in Renting & Real Estate

The other day when I talked to a Bank of America CSR, they told me that I could deposit cash into my checking account from my Bank of America Platinum Plus credit card. This card is newly opened, and should have 0% APR and 0% BT through February 2008 (I'm going to verify this to make sure of the terms when I get the card itself, any day now).

My question is...how does the bank make money on this? If there is a 0% APR and BT promotional...I haven't read anything about charging cash onto my credit card, and depositing the cash amount into my checking account. So, how does this work? Even with the 0% APR, are they going to do something like try to clip me with a cash advance fee of some type? I know they make money off from this somehow, since they aren't getting interest right now. Has anyone ever done this, and was there any kind of additional 'fee' for it?

2007-08-31 07:09:02 · 8 answers · asked by JMR 1 in Credit

I'm looking for an item of any sort which can easily be bought and resold without significant loss of value. Does anyone know of any stock broker companies that allow you to buy stocks with either paypal or credit card? Preferably, the item would be something like a stock or e-money or something else which could be purchased online and sold online, and costs $5,000 or less.

2007-08-31 07:07:52 · 7 answers · asked by Anonymous in Investing

2007-08-31 07:05:03 · 4 answers · asked by tiffany m 1 in Credit

how will this affect my credit, or what will it go as, repo, or bad debt?

2007-08-31 07:00:36 · 2 answers · asked by james j l 1 in Credit

If someone puts an offer in on your house and you accept, can you cancel the sale if you have no place to move to?

2007-08-31 07:00:23 · 9 answers · asked by little lady 2 in Renting & Real Estate

My neighbor just rented out one of her apts,but has the house up for sale secretly is that illegal? Don't the tenant have a right to know that the house is for sale and they would have to move soon?

2007-08-31 06:53:22 · 8 answers · asked by blondie betty 1 in Renting & Real Estate

does this even work out do you get paid to stuff envelopes or is it a way for them to take your money

2007-08-31 06:44:23 · 9 answers · asked by estrella 2 in Personal Finance

My Son is 7, so I'm thinking about college for him. I have no idea on what to start doing now to prepare for college. Should the desired rate of return be lower than 6% or higher? And what does that mean actually?

2007-08-31 06:42:38 · 1 answers · asked by llenahS 1 in Investing

Iam looking for someone that is cheap and also something that I dont have to do so much work myself.I need to know can public records be removed from your credit report ven if they have been paid? what about inquries? can these kind things be repaired?

2007-08-31 06:40:13 · 7 answers · asked by emma25 1 in Credit

2007-08-31 06:36:00 · 5 answers · asked by LiStEN<<<Is Retired!! 4 in Credit