Credit - November 2006

I have a low credit score from back when I was a kid. I have a 05 Jeep Wrangler I paid cash for and I just paid my grandmothers mortage off and she gave me her house. However, I gave it right back to her as a life estate. So Im not sure if I could qualify for a first time buyers plan. I dont want to put her house up as collateral. However, I need to borrow about 60k to purchase a fixer upper home in my area. I have a steady job, a cosigner (mom) and even plan on having at least one room mate. I also have 5% put back in savings, plus 3 months mortage and bills in savings. I tried Eloan/Lending Tree and was denied. I have no outstanding blls and have paid my rent on time for my luxury apartment, early for over a year which proves I can afford a smaller house note! Who should I turn to? (I definitly want less than 10% intrest) Thanks!

2006-11-09 03:07:08 · 2 answers · asked by hopes2graduate 1

2006-11-09 03:06:33 · 2 answers · asked by ycd71 2

an option. He is totally against credit cards and if he found out I was hiding this, our marriage would be destroyed. I am am able to make payments on these without hurting the family financially, however, the guilt of this is killing me. If we ever went for a loan and they pulled up a credit report and he saw these credit cards, things would be over. All I want to do is get the debt out of my name so it will not show up on anything. Is it possible to have someone else take out a credit card with a balance transfer option and pay my cards off for me so that this no longer shows up in my name. I would then in turn pay them back. Does anyone know if this is an option?

2006-11-09 02:41:30 · 6 answers · asked by bina01 1

2006-11-09 02:33:44 · 7 answers · asked by April C 1

Hey guys, I have a situation, I recently baught a home with my partner, We also recently broke up and I am behind on my mortgage payment, they are about to forclose and I need help to come up with the 3000.00 dollars, are there any government assisstance programs or anything you guys know of thet will help me?

2006-11-09 02:20:02 · 3 answers · asked by Aryca D 2

i need to talk toa live person at equifax

2006-11-09 02:01:33 · 2 answers · asked by MICHAEL P 1

2006-11-09 02:01:19 · 1 answers · asked by Soin 1

I am looking for a legitimate lender for people with bad credit. I pay all my bills, but I have things in my past that I would like to pay off that are killing my credit report. Anybody have any suggestions?

2006-11-09 01:32:49 · 5 answers · asked by paulp3009 2

me an my sister share the same address and initials, im nathan shes natasha. and she has bad credit. subsequently whenever i apply for credit i am turned down.

is there any way around this situation?
or am i screwed?

2006-11-09 01:04:53 · 15 answers · asked by one 1

I was going to get a credit card for emergencies only...I would not normally use it. What I want to know is would the credit card company charge me for just having the card, even if I dont use it?

2006-11-09 00:31:15 · 20 answers · asked by Anonymous

Has anyone been sucessful in having negetive items removed from their credit report by disputing the items with transunion, even if those items are actually correct but you just wanted to try to get them removed?

2006-11-09 00:24:39 · 8 answers · asked by bizzie 2

2006-11-08 23:12:19 · 8 answers · asked by Mike D 1

If someone had major heart surgery and was even in a coma for a time, force payment after the person has been placed on disability, to sell all assets including his home to pay the debt? What if the debitor decided not to pay them because they are unable with the money they have to live on. Medical bills are taking all of the money in question and Medicare will not pay past bills. Even the 20% is well over a hundred thousand dollars. Some of the credit card debt was trying to pay the medical bills.

2006-11-08 23:00:11 · 9 answers · asked by Anonymous

Due to ill health I cannot work. My husband on a very low wage £600 per month in Cornwall. Our rent is £480 a month alone plus £40 electric on top. We don't own but rent, with no hope of ever having mortgage.

2006-11-08 22:39:31 · 15 answers · asked by Anonymous

Like many people I have been not so smart when it comes to money-for a short time I had spent more than I earn (when starting off as a new family) - so to fix that I had made the mistake of tieing the debts into loans - now on top of those loans I have several montly bills that just drain me - On the average I make between $650 and $1000 /week (depending on OT) - I have some equity in my home - But I have also filed BR. Things have gone down hill and momentium is growing - My income is O.K. and I should be able to get out of this But it seems there is always something that keeps me from getting out of this - I have to start building a nest egg but first I need to get out of this hole!
ANY SUGGESTIONS?????????

2006-11-08 21:03:04 · 6 answers · asked by warlord_grapx 1

2006-11-08 19:39:07 · 7 answers · asked by sweetcheeks 1

I have three credit cards (yikes).

Here's a breakdown: (CC=Credit Card)
CC1: 1300 balance at 32% interest rate.
CC2: 300 balance at 0 interest for another 4 months.
CC3: 290 balance at 24% interest.

What would be better...paying off the smaller ones ASAP first, or paying them all down at the same time. I was thinking about tackling the 0 interest one first, and then going after CC3, all while making payments about twice that of my mininum pymt due in my CC1. In other words, I'd be paying off the small ones before really, really tackling the big one.

Looking at it all, I can't believe I'm almost 1900 in debt. That's scary. On top of my 6K in student loans (luckily in deferment since I'm still in school).

2006-11-08 17:49:12 · 17 answers · asked by krivera_fierro 3

will some one see if this site is legit? i'm scared to try. thanks

https://www.mycompclub.com

2006-11-08 17:31:30 · 3 answers · asked by smoochy 4

2006-11-08 17:03:03 · 3 answers · asked by sunshine breeze 1

Lot of banks are issuing free credit cards. How do these banks make profit by giving free credit cards. If we purchase something in credit card, the bank has to pay the money to the vendors and we will pay it only after say, 45 days. The bank will lose the interest for this 45 days. So how does it work?

2006-11-08 17:00:26 · 15 answers · asked by Anonymous

I work for a large retail company and the checks given out are by the main company head quarters. I don't have a bank account so I was wondering if it is possible to cash checks at ANY bank.

Thank You in advance :)

2006-11-08 16:40:16 · 15 answers · asked by VintageNewYorker 2

2006-11-08 15:30:17 · 3 answers · asked by Sharonha 2

This is going to sound weird... but... lets say your credit card had a limit of, say, $3k, and you went $15k over that limit. I'm not talking about spending $15k on one purchase. I'm talking about making, for example, 30 $500 purchases all in one day. Are credit card companies fast enough to cancel the purchases that went over the limit? Mine doesn't seem to be, but I really don't know (Amazon Chase Visa card.) I know that you have to pay an over limit fee, but I don't mind that one time fee as I will be paying it all back the next month.

2006-11-08 14:59:27 · 12 answers · asked by jeffy373 1

I went to cash crates.com And i was wondering if it is a scam

2006-11-08 14:53:06 · 9 answers · asked by yumaballer3 2

i am 20 with no credit. i wish to start to build good credit wit a credit card. how long till it starts showing as good.

2006-11-08 14:51:32 · 6 answers · asked by Anonymous

i was told to try and get a credit card from these sites. the reasion is because i have no credit. literaly. i went to my credit union and the lady said i had no credit. (i am 20) so i was told to go to these sites and see if i could get a student creditcard from them (i am a full time student so no job yet). the idea id to use the cards for small things and let part of the debit carry over eac month to show i am using the cards (i was told to let no more than 20 bucks go on to the next month) and hopefully build uo my credit score.

2006-11-08 14:10:00 · 3 answers · asked by Anonymous

is there a way to get a credit card with bad credit

2006-11-08 14:06:10 · 6 answers · asked by i have all the money 1

2006-11-08 13:28:11 · 6 answers · asked by Danetty 2

This is going to sound weird... but... lets say your credit card had a limit of, say, $3k, and you went $15k over that limit. Besides charging you the fixed over limit fee, will you get in trouble in some other way?

2006-11-08 12:55:54 · 7 answers · asked by jeffy373 1

How can my bank take back the exact amount of a check that I deposited and cleared. the next day after deposit, I withdrew the money, it was a personal check. I do not have overdraft protection. I did not have enough money in the account to cover the check if it was not good. so it did clear, or they would not of had the money in the account to pay me. Then why would they let me withdraw it. and now I am negitive the amount. there saying the check was insuficent. I am 44 yrs. old. whats going on. If this is proper precedure, lets all do this all day.

2006-11-08 12:16:47 · 3 answers · asked by timothya1980 1