First Chemo

An important day today; the first of 16 chemo cycles.. “First Chemo” is published by Ian Yates in How’s Diane?.

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How can i get a loan with my truck as collateral?

i am moving back cross country. After the move i will be down to 3k in total money i have left . also i have a clear title on my truck that was paid off around 9 months ago . the blue book value is 9500 , but we never use it , its a 2005 hyandai tuscon with only 17 000 miles and is in perfect shape , besides a scratch or 2 . i also have 2 credit cards that are close to limit 1 with 14k debt other 3200 in debt . ive had no late payments on either . my fico score has been dropping and now stands at 732 . i need to find a new apartment for my wife and i to live and so im gonna need some fast cash . the money i do have is in my home bank account . my wife and i will both be working but not until july 1st , so my question is how should i approach getting a loan against my truck and should i just wait until we start working?

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Freecreditreport.com is NOT free!! Do not use it!!?
I was recently notified of fraudelent activity on my account. I was told that I am entitled to one free credit report per year at no charge. I went to annualcreditreport.com as advised by equifax, to obtain a copy of my report. This report does not have much detail and didn’t do me much good. I then went to freecreditreport.com and was charged $9.95 for what they claim is a free credit report. DON’T GET SUCKERED BY THEM. It’s probably written in tiny writing somewhere that they’ll subscribe to something you know nothing about. They capatilize on this because many people don’t take the time to read the tiny print. My bank will not refund me the money and the company refuses to cancel the transaction. I was under the impression that my credit card info allowed them to prove who I was. Hundreds of others believed the same and got suckered too. DON’T DO IT. Apply for your true free credit report either on the phone or with the creditor direct.””
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Find payday loan under loandistribution?

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Can I find an auto loan source that decides using only the Experian score?
My credit scores vary by 100 points from one agency to another. The Experian score is the highest.
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I filed Bankruptcy last year/Taxes?
Hi, I filed for bankruptcy last year, went to court and got a discharge for my debts. I’m now trying to file taxes. Is there anything different I need to do? Thanks so much!””
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Long term auto loan vs short term (refinancing)?
I want to refinance so i can pay more towards my car and not my interest rate. Im looking at paying this off within 2 years. My current loan i cannot pay as much towards the actual car so im paying way more towards interest and not paying off the car fast. Which is why i want to refinance so i can pay more towards the car and not the loan because as i said i want to pay it off within 2 years which is possible because i have a stable job.
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Would you help me with personal Finance?
1. Which of the following credit scores will enable you to get the lowest interest rate on a loan? A. 750 B. 650 C. 550 D. 450 2. Which of the following will most negatively affect your standard of living? A. paying your balances off in full B. making minimum payments on credit cards C. always using your credit card for purchases D. all of the above 3. Match the following words to its correct definition. A. credit report B. credit score C. FICO D. CRA E. Revolving Debt F. APR 4. Who could use your credit score to obtain information about you? A. a credit card company B. a landlord C. a potential employer D. all of the above 5. When telling your parents about credit cards, which of the following is most important? A. paying your balances off in full B. making minimum payments on credit cards C. always using your credit card for purchases D. all of the above 6. Which of the following weakens financial health? A. paying your balances off in full B. making minimum payments on credit cards C. always using your credit card for purchases D. all of the above 7. You purchase new patio furniture at your local warehouse club and decide to pay using your credit card. You plan to pay off this debt within a year. Choose the best credit card choice from the following offers. A. 22% interest B. 29% interest C. 0% interest for 1 year and 12% interest after that D. 6% interest 8. You purchase new furniture and decide to pay using your credit card. Choose the best credit card choice from the following offers. A. 18% interest B. 27% interest C. 0% interest for 1 year and 12% interest after that D. 3% interest 9. Explain a situation in which revolving debt can change from short-term debt to long-term debt. 10. If you want to keep your standard of living as high as possible, which of the following should you do? A. Get a credit card with a high interest rate B. Apply for as many credit cards as possible C. Make credit card purchases that you know you can pay back within a month D. Always use your credit card for purchases””
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Payday loans and legal threats. My husband had a payday loan in his name which we defaulted on.?
We recieved an email stating account would be given to collection agency. No contact info on the form and a noreply email address. Next my husbands employer is notified and threatened with a suit, when I called they tried to intimidate me over the phone. I requested documentation from this company as to what I was paying on then was told that God Help”””” me they were sending an investigator to my house to arrest us both on bank fraud charges. We have a few loans out and have been working with them all to make arrangements to pay but this company seems unwilling to work with us. They have broken the 3rd party disclosure law at least six times. What can I do””
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I am desperatly trying to get an online payday loan and all i get are these places that match u with lenders ?
So these lender matching places end you to more lender matching places. I just want to deal directly with the company that is gonna loan me the money. PLEASE HELP!!!!!!!!!!
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Does a paid off mortgage increase your credit score?

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Bankruptcy??????? Attorney fees?
Do you have to go with the attorney that gives you a consultation on Bankruptcy? Weather it be that his fees are to high or after hearing what he has to say or taking the means test you don’t agree with what they say.. Do you still have to go through with it? What’s a nice way to say thanks but no thanks?
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Can I get approved for an USDA Mortgage loan?
Hi. I wanted to know my chances of getting approved for an USDA Loan. I checked my FICO scores at myfico.com and they are 694 TransUnion and 653 Equifax (I know…not so great). I was an immature college student and I had a couple of charge offs that were paid off 4–5 years ago. I also have about $34,000 in student loans (Obviously college screwed me up! =) ). I have rented an apartment for 2 years and have since opened 2 store accounts and I have NEVER been late with either. Another good thing is that I have about $4,000 that I am able to use toward a home, I have been at my job for 4 years, and I am technically a full-time grad student this fall (10 credit hours). My job is letting work and complete my internship there. Will this hurt me? Do I have a chance of getting approved for an USDA loan for about 75K-85K? Or, do I need to wait until those charge offs disappear and try to get a conventional loan? Looking for accurate advice only! No online scams please! Thanks! =) *** The housing development I like qualifies for the USDA mortgage. Sorry so long….just want an accurate response…. thanks!””
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Who gives a high limit card after bankruptcy?

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#repost

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How do I get a short term payday loan without the hassles of being scammed?

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6 consumer math questions?
April Segal and her sister obtained a 25-year, $120,000.00 mortgage loan for their new home. The interest rate is 7.5 percent and their monthly payment is $886.00. How much of the first payment is for principal? Tommy Webster obtained a 30-year, $110,000.00 mortgage loan from People’s Savings. The interest rate is 7.5 percent. For the first payment, what is the interest? Tony Addison obtained a 20-year, $45,000.00 mortgage loan from United Savings with an interest rate of 8.5 percent. His monthly payment is $390.60. After the first payment, what is the new principal? The Butler County tax assessor determines that the market value of Greg Wilson’s home is $123,000.00. The rate of assessment in Butler County is 28 percent of market value. What is the assessed value of Greg’s home? Tom Smith lives in Providence, Rhode Island, where the tax rate is 29.52 mills. The rate of assessment is 100 percent. A tax assessor has determined that the market value of Tom’s home is $292,500.00. What is his real estate tax for one year? Dean Davids’ home has a market value of $422,800.00. He lives in a county where the rate of assessment is 100 percent and the tax rate is $25.72 per $1,000.00 of assessed value. What is his real estate tax for one year?””
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#repost

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How good is 608 credit score?
Is a credit score of 608 good enough to buy a home in the state of Kentucky?
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What are the links for credit report (the free report once per year)?
All the Free”””” credit reports on the web require credit card number””
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C++ mortgage calculator?
need help programming a mortgage calculator? Pretty much need the code for accomplishing this!
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How do i find out my credit score?

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Will i go to jail if i don’t pay a payday loan company back?
I recently and embarrassingly took out a couple of online payday loans to take care of some bills and to help out during the holidays. I’ve been able to make payments on them every pay period except for roughly the past month or so because I was let go from my job. I have a new job now and I fully intend to pay them back but now I have one of them calling me and threatening me to send officers over to escort me to the court house and if I don’t pay a ridiculous amount, I could be facing jail time. I am scared out of my mind. Can someone help me out? Are online payday loans illegal in Kentucky? A friend of mine says that I can’t be arrested for this since there is no debtor’s prison anymore but the debt collectors mentioned something about me writing bad checks or and committing bank fraud which my friend also says I didn’t do and that payday loan companies cannot prosecute criminally without proof of fraud (ie. me closing my account, taking the loan out in a different name, moving, etc). Is my friend correct? Can anyone point me in the right direction to take care of this without jail time?””
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#repost

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#repost

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What to do if you have too many payday loans?

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What is wrong with my credit?
I tried to apply on prosper.com for a loan, but they say that no credit score is available. It goes on to say that possible reasons for this may include 1) One or more of your tradelines may have a deceased status, 2) You do not have sufficent credit history to produce a credit score, and 3) There has been no credit activity on your file for the past 12 montths. Could someone please explain to me what I need to do in order to correct this? Thanks in advance, God bless you!””
“How can i get a loan with my truck as collateral?

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Question about student loans?
I am disabled and was wondering how that would affect my chances good or bad. I had to file bankruptcy when I got sick and wonder if that blows my chances completely. I plan to apply for fafsa also but have already completed a program at the school I want to attend and was wondering if that makes a difference. If anyone has any ideas about anything else I might try any suggestions would be greatly appreciated. My goal is to first get my Associates Degree in IT.
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#repost

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Car loan and boyfriend?
My boyfriend has really bad credit and couldn’t get a car loan. He asked me if I could get a car loan for him and he make all the payments and have it set up with his bank account. We have separate accounts. He wants around 8,000 dollars for a nice used car. I said I would do that but if my name could be on the title of the car until he got the loan in his name or paid it off then we could take my name off the loan. He didn’t like that idea and is saying I don’t trust him and even threaten break up. I just don’t want to mess up my credit. I have a perfect score. I didn’t think I was asking for too much? I never will take the car away from him. I have my own car but I want it to be he will pay the payments even if something happened and we broke up. Was I in the wrong?””
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#repost

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“”Co-borrower(RV loan) filing bankruptcy, how will that affect my loan?
I was never late with payments but the bank threatens to reposses the collateral. Can the bank really do that? Thanks.
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How can i obtain a free credit report without paying anything?

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Can I get a loan for 12K with a 650 credit score?
Here is the situation: I want to refinance my car, because I have a very high interest rate, my credit score (somehow) was much lower when I financed the car. Current on all of my bills Small amount of credit card debt Salary this year was 37,300 (THAT includes the base salary plus over time so I am NOT guarunteed to make that again) Rent- $600 per month I chose a credit union through my employer, and I find it odd, but the credit union ONLY has 1 rate. 1.99%. This is probably WAY to low for me since I have a lower credit score. Is it likely that they will approve this refinance? Consider the debt to income ratio, etc?””
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How to get my income tax early?
well i have heard from a few people that if you bring your last paycheck that you make in that year then you can bring it in and you can recieve your taxes early. so can i do this??? and how much will they charge?
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“”Motorcycle was stolen in 2008, I had no insurance. Help?””
It was stolen a few months after we (husband and I) bought it. We did not put any insurance on the bike. We have been paying for the last three years. Unfortunately, our three year introductory payment is up. Now we have to pay 500/mo. We simply can not afford that for a vehicle we don’t even own. Anyone with same situation? How can I get out of this mess? I really don’t want this to hit our credit!””
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#repost

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“”If I file for bankruptcy, will that affect my current bank account?

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#repost

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#repost

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Which chapter bankruptcy do I file?
I have about 50 grand in medical bills.which chapter bankruptcy do I file?when I file for bankruptcy are all of my debts relieved or do I have to still pay the hospital?
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“”If file chapter 7, how does it effect my landlord?””
If I am in bankruptcy, and rent his house, is his name on the paperwork if I am current on rent?””
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French student loan?
Hello how do you say Student Loan and Student Loans in French? Do you say and spell it like this prt tudiant prts tudiant prts tudiants
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“”My CIBIL Score is 729, Do I will get the loan?

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Does paying more than minimum on auto loan really help?
So, I just bought a car last week. The monthly is 236$ I think. If I pay 500$ a month will this really help me in the long run. It’s a 4 year contract so would this end up helping me lower that term? Thanks.””
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Does Leasing a car show up as an auto loan on credit report?

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What does loan contingency mean?
so i’m a buyer. My agent keeps asking me to remove my loan contingency, which means, I can risk losing the deposit i put down for the home. What is loan contingency? It just means, that is my protection that if an appraisal comes back, i can still walk away from this purchase right? Why would I want to remove my loan contingency? since this protects me till the end, if appraisal does’nt work out, I can walk away. But, my reator / buying agent, is urging me to just release it so the home will be mines. Can someone please let me know what loan contingency, means, etc..? and if I don’t remove it, can the seller just throw my offer away and take someone else offer?””
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How do i change the finace com. on my auto loan?
i was a first time buyer so i got a high apr on the auto loan i want a lower apr so i could pay off the loan quicker
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Has anyone filed chapter 13 bankruptcy?

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Free Chapter 7 bankruptcy forms?
Does anyone know of a website to print out free (do it yourself) chapter 7 bankruptcy forms/ info.? Thanks!
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What is a free site for valuing commercial properties like zillow.com does for houses?
Zillow is used by realtors and mortgage professionals to quickly check the market value of a home. There must be a site that does this for commercial property. Zillow is free. I am looking for the commercial equivalent of Zillow. All I can find is softwares and reports to purchase.
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#repost

“How can i get a loan with my truck as collateral?

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Can anyone vouch for Lexington Law firm for credit repair?
I’ve heard that some of these companies are complete scam, rather than simply an over-priced service for something anyone can do themselves. Has anyone heard anything bad about Lexington?””
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#repost

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“”Overstated income on auto loan application by 9%, can they reneg loan terms?””
I purchased a new Honda Accord through Honda Financial Corporation back in September. I stated my income as being 46000, but I only earn a salary of 40750. They never asked me for a pay stub but when I received my loan package from Honda they asked for my most recent. Now I do earn overtime and I do get a premium 3% added to my wages for transportation expenses, which puts me close to 46000. Can they renegotiate the terms at now 60 days after signing the sales agreement or can I be held liable for overstating my salary? Please advise.””
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Is there any site I can visit to receive my credit report for free? Free for real?
Every site I visit, there is a fee of some sort. Can anyone help?””
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How do you get your free credit report if you don’t have the requested information?
I recently attempted to get my free annual credit report online, however my attempt hit a wall when I was asked to provide a credit card number for a debt that I had accrued a few years ago. I no longer have any information which tells me what this number is and the only way I’ve found that I could retrieve this number would be to actually see the credit report itself. Is there any way around this catch-22?””
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#repost

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What is my gross income — self employed?

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Payday loans?
Can anyone recommend me of a payday loan company which is reliable (if possible in this area…)? Is it better to pay them back by checks or by debit card and what’s the risks besides paying enormous APR? Thanks
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Is it possible to still qualify for an auto loan with medium/fair credit?
my credit isnt horrible but i made 2 mistakes on credit cards and a few med bills im in the process paying off my score is still mid 500’s if i show a stable work history or bring a large deposit would that look good.. alot of my friends keep tellin my they have really bad credit and still get approved..anything helps preciate it
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“”FreeCreditReport, FreeCreditReport.com?””
Whats the deal with this site, is it legit? I’ve seen the commercials for FreeCreditReport.com, didn’t know if the service was good.””
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How much do mortgage consultants make?
i heard they make 1% of the loan amount. so if 4 people take out loans for 500,000. 1% is 5,000. so a mortgage consultant could make 20,000 a month?””
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#repost

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I have a bad credit report from defaults over 2 years old and i am in desperate need of a personal loan?
i have a bad credit report from defaults over 2 years old and i am in desperate need of a personal loan to consolidate current overdue bills and credit card payment does anyone know who will help me? preferably no credit checks but not a payday loan as i need min 3k I’m located in Australia so i will need someone who will approve / lend to me in Australia my total debts is only around 3k but seem to be impossible to get as i don’t have any real assets to my name so i would require an unsecured loan.
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How long do I have to work for an auto loan?
How long do I have to work for an auto loan? In other words how long must I work at the new job before I can qualify for an auto loan.
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Do you think there should be any laws protecting people from loan sharks like Payday Loan businesses?
or should they be able to take advantage of desperate people as much as they want? Is charging 500% interest just business?
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#repost

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Describe how student loans differ from car loans?

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Should I consider filing for Bankruptcy?
My credit is awful. I’ve been unemployed for close to 2 years now, it’s been so hard finding any work. I was already sent to a collection agency, got out of that than recently was offered a lowered interest rate but that’s now gone too and my account is sent back to a collector again. I don’t own any other accounts just this one credit card, but my balance is over 9k. Should I be considering filing for bankruptcy?””
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“”Do you know of a direct short term loan, or payday advance site that doesn’t have a high processing fee.?
That is fast and can work with a person with ok credit but has had the same a job for over 6 years with direct deposit which I can get online? All I find is ads that will get me to a lender. Which never happens.I don’t need a big loan.
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How can I get a good auto loan APR. 10pts?
So I applied for a loan through Capital One and they gave me an outrageous quote of 12%. I was talking with a dealer and am on the fence about whether I want to buy his car but he was able to get me an interest rate of 6.9% through a bank his dealership works through. How can I get a comparable rate without going through a dealer? Thanks
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Mortgage modifcation and bankruptcy?
i just got approved for a mortgage modification, i would have done the bankruptcy earlier but i was told from citimortgage that i could not do both so my question is how long do i have to wait to do the bankruptcy after the loan modification so it does not void my modification””
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Where can i access a instant and free online credit report without signing up for a trial period?

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Whats the difference between the deed on a house and the mortgage loan on a house?
And can a deed and loan on a home be under seperate names?
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Is it possible to get an auto loan with that fits my criteria with bad credit?
I am a 23 year old guy who has no credit score. I have had people looking at my credit and a couple doctor bills that have gone against my credit. need to buy a new car though, and I cannot find where to look for a loan. I am trying to buy a Subaru WRX, preferably from a private seller but I will buy from a dealership if the car is right and there is no other option. Where would I look for an auto loan?: I have called 1800 bar none, but they only go through one dealership and I would not get to choose where I bought the car, and there is no WRX’s available. Does anyone know of any other options?””
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“”Whats the deal with Special Financing”””” for auto loans? If you have bad credit””
how much will they give you?””””””
“How can i get a loan with my truck as collateral?

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Will I lose my stuff if I file bankruptcy?

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Can not find phone number at anderson-payday-loans.com please let me know?

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Actual bill consolidation loan companies?
please no sermons, just company names, i go to church 5 times a week””
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Federal Student Loan now in Collections — Bankruptcy Question…?
Hi. My fiance had a federal student loan with Sallie Mae back in 2005. It is now in a Collections Agency and no longer under Sallie Mae. I know Bankruptcy does not apply to federal loans, but since it has been bought off by a private Collections company, does that change anything? If he declares bankruptcy will that collections amount go away? I’m not familiar with this type of thing, so I’m hoping someone can help us. We’re getting married next year and I’d rather we not have such a huge debt. Unfortunately, the interest keeps being added on and if we pay every month (which they won’t let us do unless it’s a specific amount which is much higher than we can afford), we still will not touch the principal. Thanks in advance!””
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Which payday loan companies are the easiest to get approval and pay out quickly 24 hrs a day?

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Need help with some Finance homework!?
Can someone answer these questions for me and explain them. thanks a lot in advance! 1. Jack needs to borrow $1000 for the upcoming year. West Coast Bank will give him a loan at 9 percent. East Coast bank will give him a loan at 7 percent with a $50 loan origination fee. First Canadian will give him a loan at 6 percent with a $25 dollar origination fee. Assume that the interest rate on each loan is compounded monthly. Determine the total interest and fees Jack will be charged in each case. Which Loan Should he choose? 2. If Brad’s stock doubles in value over the next 5 years, what annual return, compounded monthly, would he realize? Based on his projected annualized return, would it be advisable to sell the stock to pay off his credit card? Should Brad consider shopping for a new credit card? If so, how should he go about doing this? 3.Address Brad’s reluctance to pay off his credit balance. Show him what he could earn in five years if he paid the credit card balance off and invested the required minimum monthly payment saved at 6 percent, compounded monthly. Note: The required minimum monthly payment is 3 percent of the outstanding balance of $8000 4. What are the consequences if Brad decides to delay paying his credit card bill for a couple of months to reduce his expenses?””
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Payday loan places?
do they check your credit score report before they give you a loan. I have this unexpected thing come up and I wont have cash until for about 2 weeks, I have okay credit, but I know everytime a place pulls your credit report your score goes down, and I dont want that to happen.””
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“”Call of duty: black ops, whats the best gun in zombies mode?””
I like automatic guns, so no semi-automatic guns please… and i already no the thunder gun is amazing.. so in your opinion what is the best automatic gun in zombies mode for call of duty black ops? .. Also what gun do you think is the best upgraded with Pack-o-Punch? Thanks in advance, just trying to improve my game play by knowing what guns i should and shouldn’t buy =)””
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What kind of rate with a 645 FICO on a auto loan?
Hi there, I’m a first time car buyer, I’m looking to buy either a used Honda Fit, Matrix or Nissan Versa around $12- 14k. I have a 645 FICO with a few collections and paying off a student loan (account is current and in good standing) I have NO credit cards. My gross income is $38,400 a year. Can anyone tell me what kind of rate I would get on a 14k auto loan with a $2,000 down payment? I’d really appreciate it. Thank you.””
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Best way to fix your credit?
any websites that will help?
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What is the best website for sexy lingure?? Must be true to size and at a fair price!!?

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#repost

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Can a 18 year old wtih no credit get a auto loan?
I’m turning 18 soon and I want/need a car, I have a job but I dont have enough money saved up for a car I want. Is it possible for me to take out an auto loan for like 10 g’s? No one will co sign for me and i want a car now, I dont feel liek saving. Who will give me a loan?””
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I keep getting phone calls about a court summons on a payday loan in florida. What are my options?
I received a phone call from a person saying he was a lawyer and that I owe money to a payday loan company and that the company was filing a suite against me saying I sent fraudulent checks to them(I never send any checks). He was like I have one final opportunity to pay it now or I will receive a summons and have to pay lawyer fees and all this and that. Now I will admit that I have taken loans out in the past, with this particular company, but I haven’t done that for at least 4 years. I keep telling these people I’m not paying what I don’t think I owe. What can I do about this? and what can be the repercussions if I don’t pay this loan.I even asked them to send me papers concerning the loan and all it says is my name, the amount I owe, some account, and an e-sig…..I called the payday loan company and I was very angry they say I owe them that money when I know I didn’t take it out under a checking account thats been closed for years.””
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Why people go to pawn shops than banks? What’s the difference between pawnshops and banks?
What are their advantages and disadvantages?
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I need a big auto loan. i have some questions. please help.?
i am soon to be 22 years old. i got my first credit card at 18yrs old and immediately maxed it out ($6500 limit). i made a late payment about 6 months into paying off the amount, but all other payments were above minimum and on time. late last year i paid off the rest of it (about $4000) all at once. i cut up my card and havent used it since. i work part time (4–5hrs a day) at my moms law firm. i make around $500 every 2 weeks. i have no expenses (i dont pay rent, i dont pay auto insurance, i dont drink, etc..) my schedule is very flexible and i can work more hours anytime i wish. i want to take out a $30,000 auto loan over 60 months. i calculated that with an average interest rate of 7.45% that monthly payments would be $600 a month. this is absolutely fine for me because im a car enthusiast and dont mind paying that at all for the car i want (03+ bmw m3, doesnt depreciate much at all) is it possible to be approved? i can also have my mom or dad cosign. mom: lawyer, dad: cpa””
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What is a good credit card limit to have in order to improve one’s credit score?
I recently opened up 3 secured credit cards with a credit limit of $300, $350, and $300 respectively. I subscribe to Credit Check Total and received the advice below in order to improve my score. How much should I increase my limits to? Should I increase them on all three or can I increase just one? What is the magic number for credit limits in order to improve one’s score? With my secured credit cards you basically deposit money into the accounts if you want to increase the limits. Any advice is appreciated. From Credit Check Total: Having low credit limits on your accounts and loans counts negatively against your credit score. Having a high amount of credit is a positive factor because it indicates to lenders that other creditors have trusted you by lending you money in the past. However””
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My credit report says I’m not me. What do I do?
My transmission breaks in my car. I need a car loan. Go to get a loan, need a credit report. Go to get credit report, and it says I’ve opened a home loan in 2007. I’m 21 and I’ve never owned a home. All the questions on the security quesionaire are not my questions. It then says I’m not me. What the hell do I do? and who the hell do I call? Sorry for being so blunt, any help would be more than appreciated. I’m losing my mind.””
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Where can i get a private loan with bad credit?
I have bad credit but going to a private school. Where can I get a private loan w/ no cosigner? my parents have bad credit too now with this economy and were both laid off. is there anywhere i can go to get one? help!
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Which american express card will I be approved for?
I have an experian score of 679 w/ no collections or late payments and 2 recent inquries (auto loan 5 months ago and CC 2 months ago). Will I quality for any amex card? Thanks.
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Auto loan interest rates? One point away from a better rate..?
So my score was 663. I applied for a car loan with my credit union because they told me I’d be eligible for a 3.99% rate with that score. My score dropped to 657 from them pulling the credit report and they said they can only offer me a 9.99% rate and I asked why I was told 3.99% with a 663 score. She said if my score was 658 instead of 657 that I’d be eligible for the 3.99%. Does anyone know if this is something they can go around? I’ve been a member for years and the woman I spoke to seemed to be having a bad day so I’m unsure as to whether they can make an exception or not because she just might not have felt like checking. I’m literally one point away..
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Walking out on a mortage vs filing for bankruptcy on the mortgage?
We moved out of state and could not sell our home so it is now rental property. NOW, the main sewer line needs to be replaced at a cost of $9500.00 which we do not have. If we just walk out on our loan, can we eventually be sued and sent to jail? Would it be better to claim bankrupty? I realize the credit issues with bankruptcy and foreclosure etc..””
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How can I stop creditors from calling family members?
Especially my mom. I am not asking this out of embarrassment. My family know my situation and I’m not trying to hide things from them. But I am very irritated that the creditors are bothering my family, especially my mother. If I don’t answer their call every freakin day they keep calling her. I don’t need to talk to them every day. I don’t have the money and that is that. My mom doesn’t either, and I am mostly mad about them bothering her… since she has nothing to do with this. How can I stop them from calling her? I know about cease and desist letters, but I think that is only for after an account defaults and goes to collections. My cards are one month late right now because I have to choose between paying them or food and shelter. Pretty easy to figure that one out. Help? What will make them leave her alone. It’s making me really mad. Yes, I will thumbs down anyone who says to pay the cards to make them stop calling her. I can’t. I will be filing bankruptcy because I really have no other choice now. I just want them to leave her out of it. I am not embarrassed, and she has been nothing but kind to me about it all… I am just pissed that someone is bothering my family.””
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#repost

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How can I stop creditors from calling family members?
Especially my mom. I am not asking this out of embarrassment. My family know my situation and I’m not trying to hide things from them. But I am very irritated that the creditors are bothering my family, especially my mother. If I don’t answer their call every freakin day they keep calling her. I don’t need to talk to them every day. I don’t have the money and that is that. My mom doesn’t either, and I am mostly mad about them bothering her… since she has nothing to do with this. How can I stop them from calling her? I know about cease and desist letters, but I think that is only for after an account defaults and goes to collections. My cards are one month late right now because I have to choose between paying them or food and shelter. Pretty easy to figure that one out. Help? What will make them leave her alone. It’s making me really mad. Yes, I will thumbs down anyone who says to pay the cards to make them stop calling her. I can’t. I will be filing bankruptcy because I really have no other choice now. I just want them to leave her out of it. I am not embarrassed, and she has been nothing but kind to me about it all… I am just pissed that someone is bothering my family.””
“How can i get a loan with my truck as collateral?

First Chemo

How can i get a loan with my truck as collateral?

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