Best answer:

Answer by Pedro S
got to other car lots…put down a big deposite//…they think the first time your car breaks down you will call it a pile of du du and stop making payments….

What do you think? Answer below!

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(I mean…just because you “juked” some credit card companies by being late on some payments, or were deliquent in paying them…

…doesn’t mean you can’t do a good job at whatever you’re hired to do…and it certainly doesn’t mean you won’t make your car payment on time…because…let’s face it…you NEED your car…those “credit card purchases” you made are NOT what’s getting you to work and back every day…and are NOT an indication that you are a “bad” person…they are simply an indication that…

“Nobody can live comfortably on less than $ 3000.00 a month now days…so something had to give…”)

Anybody see my “logical point” on this matter…? (and I’m gonna need you to “read between the lines” on this one…hee hee…)

Best answer:

Answer by K
I think they might think you would steal from them if you have a bad score.

What do you think? Answer below!

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If you are having a bad credit score, no bank will approve you loan. This doesn’t mean you don’t have any other option to get the financial help. Quick loans bad credit gives you an opportunity to grab cash with the bad credit profile. This scheme doesn’t consider your credit score. These loans use your paycheck as collateral and approve you requested amount of cash on the basis of this. To have approval you must have the paycheck of above $ 1000.

quick loans bad credit comes in two forms. One is secured and other is unsecured. Secured loans promise you money with the low interest but for this you have to place any collateral. And the unsecured loans promise you to give cash without giving any collateral but in turn you have to pay the high interest rate. Whatever is your financial condition, you can solve with this scheme. Apply for this scheme according to your needs.

To be able to qualify for this scheme, you need to meet some predefined conditions of lenders and these conditions are like this:

1. You must have the residency of US from last 5 years.2. You must be an adult it means your age must be above 18 years.3. You must be working in US from last 3 months. And this job must offer you at least $ 1000 per month.4. You must have an active bank account by your own name in any bank of US.

With these conditions, there are various facilities associated with this scheme. These loans are free from all type of formalities, no credit checking, no faxing, no paperwork, no standing in long queues, no need to be worried about repayment etc. To get all these benefits you must fulfill the above mentioned condition of lenders.

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Greatest answer:

Answer by Skyhawk
ChexSystems.

http://en.wikipedia.org/wiki/ChexSystems

What do you feel? Answer beneath!

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As the realization of the credit crunch exponentially impacts more and more people, individuals are bombarded with offers to reduce debt or recommendations to file bankruptcy. Although, these offers sound great, and being in the debt settlement industry my experience has shown me they do work for most if not all people that follow through with the program. The most frequent question that is asked is how are credit scores affected while enrolled in a debt management program. Let me first start off by stating that any and every debt relief or management program will negatively affect your score. In fact, anything short of paying off debt in a timely manner will negatively affect ones credit score. Also, this information is as accurate as possible in a general nature. Every consumer has unique circumstances that could vary results. Now, that disclaimer is out of the way, lets get to the facts.My first point: if the debt that you are considering is already with collection agencies, collection attorneys, or a debt buyer and is being reported as charged off; then debt settlement is going to be a respectable and intelligent decision. Once that debt was reported as being a charge off it cannot hurt your credit more than it already has. Additionally, paying the debt in full to the initial creditor will be literally throwing your hard-earned money away. So, if you were to pay back a fraction of that debt and have it reported as being paid in full, you would feel better, right …

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Question by Nelly K 5th kid: how do i delete “see your free credit score”?
This is on “MAIL”page below the “Search shortcuts ” area.
Also delete
‘on line classes and “How to become a Teacher, nurse.

Best answer:

Answer by Yahzmin (US)
You can’t — those are paid advertisements under the control of Yahoo and you can’t do anything with them.

Give your answer to this question below!

Technorati Tags: credit, delete, free, score

Contact The DeWitt Group to get the right answers for your best results. Knowledge and education can make you money. Go to thedewittgroup .com or call 317-973-4137
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www.bestfreecreditscores.com Government Free credit score – Fact or Fiction? Possible you may have already heard about the new government mandate concerning citizens being able to obtain a free credit report. But have you heard about a ‘government free credit score? There are persons who think that the government actually facilitates free calculation of the credit score, but this is not the case. What the government actually does is to provide interested persons with access to their free credit report, but not the actual credit score. To obtain the credit score you will be required to shell out the bucks. A credit score is important whether we like to acknowledge it or not. A person’s credit score does define the person and in the making of financial decisions, you are basically your score. There is just no way around it, as this information is the most sought after information when applying for loans or applying for corporate or government jobs. Your credit report is actually also rather crucial as it allows you to determine how you are doing financially. The credit report does explain your current score, how it came to be and what caused it to be where it is. You are able to see clearly the various factors which contributed to your score such as; credit card limits, payment history, debt, number of applications for credit and other related factors. However, if you don’t want to read through pages of information just to know your financials standing then the credit score …
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Quizzle.com is the free and easy way to manage your home, money and credit – all in one spot. It’s also the ONLY website that gives you BOTH a free credit report and free credit score, no catches, no trial subscriptions, no credit card needed. By joining Quizzle (it’s free!), you’ll also get access to a wealth of great tools and information to help you make smart decisions about your life. Stuff like a home value estimate, neighborhood report, home loan recommendations, personal budget and expert personal finance advice. Visit www.Quizzle.com to get started.
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Question by mbetty27: “how long after paid collection will it appear on you credit score”?

Best answer:

Answer by SCH
If you did not negotiate the removal of the item when you paid it, it will stay on your report for 7 years. You can however negotiate the removal of items at the time you pay them off.

Please check out my source…it has great info on negotiations with creditors.

What do you think? Answer below!

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Article by Carrie Reeder

Refinancing a home loan with poor credit is a great and effective way to resolve some of your credit problems. Individuals with poor credit are likely unable to pay creditors on time or have many past due credit accounts. To fix credit problems, most people simply need extra cash to payoff debts. With this said, homeowners hoping to improve their credit should consider refinancing their mortgage.

When Is Refinancing a Good Idea?

Although there are numerous benefits to refinancing, each situation is different. To gain the most from a refinancing, the circumstances must be right. For example, if you have a high interest rate, refinancing is ideal for obtaining a lower rate. Secondly, homeowners with an adjustable rate mortgage may decide that now is the time to lock in at a fixed rate. Whatever the reason for refinancing, make sure it’s worth the closing fees.

Refinancing creates a new home loan. Thus, the procedures are comparable to attaining the original mortgage. If the purpose of refinancing is to payoff debts, opt for a cash-out refinance. This will add to the total amount owed on the mortgage. Before accepting this option, make sure your income can accommodate a higher mortgage payment.

Getting Approved with a Low Credit Score

If you have bad credit, getting approved for certain types of loans or lines or credit is difficult. However, because homes and automobiles are deemed secured loans, these are easier to acquire with poor credit. Hence, refinancing a home with a negative credit rating is realistic.

Needless to say, there is a disadvantage to accepting a loan with bad credit; and it has a lot to do with interest rates. Those who gross a sizeable income are likely unconcerned about interest rates. On the other hand, if you earn a modest income, getting the lowest rate is perhaps a major concern.

Lower rates amount to affordable monthly payments. To get the lowest rate possible with bad credit, homeowners should attempt to boost their credit score a few points. This requires little effort. Simply submit timely payments to creditors and attempt to reduce debts.

Sub Prime Refi Lenders

Another tactic for getting a low-rate refi with bad credit is using a mortgage lender that offers bad credit or sub prime loans. Your current mortgage lenders may offer these types of loans. If not, contact a mortgage broker and complete a quote request. Brokers are perfect for locating a suitable bad credit lender to handle your mortgage refi.

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