How to Build Your Creative Community to Be Powerful

I had a meeting time, a Zoom link with a password, and no published agenda available. This was the start of an evening that ended up where I never imagined it would. I was joining a small group of…

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How can I contact the credit bureaus?

I ordered my yearly credit reports a couple of months ago but they never arrived so I don’t know if they went to a wrong or old address since it only asks for your zip code. When I try calling the credit bureau it asks for the credit report number I don’t have since I didn’t get the reports otherwise won’t transfer me to an opperator for help. Does anyone know a way around this so I can get through for help?

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How to sell a car if financed through Capital One Auto Finance?
So I want to sell my car which I’m still financing. Problem is this Capital One is mostly done online. How can I go to them if I end up selling it, ya know? So..Has anyone ever sold their car when they were still making payments through Capital One Auto Finance? If so, How did you do it?””
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517 credit score.. rebuild credit?
i know a lot about how to keep good credit and i was doing good until my uncle got ahold of my credit card numbers and hid all of my statements, by the time i caught it, i was over 4000 in debt. when i turned 18 i payed 99 dollars to get a credit card and if i stayed in good terms for a year i would get back my money. it was only a 500 limit and i did really good. about 6 months after having it i got another credit card with a 1000 limit. and again i didn’t use all of the money on either one used less than 50% on each of the limits. both were 15 dollar minimum payments and i would pay at least 25 on each. i was building my credit and was doing it by myself. then i opened a credit union account and they put a 500 dollar credit card/ overdraft protection on my account and i never touched the money…. then my uncle needed a place to stay and i opened my home.. and he opened my wallet. i made the biggest mistake and quit paying everything once i found out what he had done. all of my credit cards were maxed out and my accounts were overdrafted. it has been just over a year so everything has gone to collections except my credit union, which is still not paid. i am now in over 4000 dollars in debt including a comcast account under my name. i know i was stupid for not paying.. i though i was going to turn him in, but i cant now. (i would loose my family over it. and its not worth it to me. i have two children that dont deserve that) now i check my credit score and its 517…. i’m in way over my head and i dont know where to begin. i know to get good credit you need to have at least 2 years in good standing credit.. but i dont know where to start. do i call the collection companies and try to set up a 2year payment plan and if so.. will they let me? i have figured out what i would have to pay each month for 2 years and its 132.. and i can afford that, but i am not sure if thats what i need to do.. any help!! (i’m 21 and would like to buy a house)””
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Can i be denied for this credit card?
i just applied for a citi mtvu student credit card several days ago, and got denied for no credit history. So, now i want to apply for a discover student credit card. do i have a good chance of approval? dose it matter if i have a saving/checking account or not? or should i go for a prepaid credit card?””
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Fixed rate mortgage? interest rates?
Abbey purchased a house using a fixed rate mortgage. The annual interest rate is 4.2% compounded monthly for 20 years. The mortgage amount is $235,000. What is the monthly payment on the mortgage?””
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Does anyone know a legitimate web site to get an actual free credit report? No fees or hidden charges?
Seems like all the sites I checked want to charge you a fee to protect or monitor your credit. I’m pretty sure there is a web site offered by the government to let you do this. Thanks………
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Foreclosure Question?
I had a foreclosure auction on my house scheduled a few days ago. I can look it up online to see the status. I looked it up and it says SOLD BACK TO MORTGAGEE”””” .What exactly does this mean””
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Has anybody delt with sonic cash payday loan?
I had a person call me international from a 310 area code saying I owed this payday loan people 5,000.00. They said I got the loan in November of 07. I got them to give me the website but when I tried to look it up it didn’t give me any contact information. These people said that I better have an attorney ready cause they are going to come a investigate this situation and I will go to court on this for the 5,000.00 I still owe to them.””
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What’s the best truck brand?
I’m looking for a small truck with three seats, nothing too big or bulky since it’s just for transporting me to places. I’ve never owned my own car before, and my parents suggested getting me a truck as my first car, though I’m not sure which truck brand to get. Any ideas? Thank you in advance ^.^””
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Can an auto loan transfer hurt my credit rating?
I currently have a loan with 7.25% APR thru Toyota Financial. U.S. Bank approved accepting the loan at 4.4%, with a transfer fee of over $100. Still, over the next few years I could save a more than $200 this way. The only negative would be if for some reason transferring an auto loan balance hurt my credit card rating.””
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What can I keep in bankruptcy? Chapter 7?
What can I keep in bankruptcy? Chapter 7? I am thinking about filing for bankruptcy in New Mexico. I have a house and 2 cars in my name. Would I be allowed to keep both cars or just one and the house in Chapter 7?
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How do I calculate the EMI payment on a reducing balance loan in Excel? I want to see the…?
…month by month calculations. I would like to be able to clearly understand what a reducing balance loan is. I see banking sites with calculators, but I have no clear understanding of how the monthly payment figure is obtained. I think that if I was able to lay out the formulas in a spreadsheet, that it might make a good deal more sense to me.””
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Payday loan and small claims court ?
The payday loan company filed small claims….. then 3 weeks later after they filed my funds was there so they cashed the check. now they say i still owe them court cost . do i still have to go to court this week? will the judge make me pay the court cost even though they got their money?
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Escrow Disbursement?
Is it normal to get an escrow disbursement check from my mortgage company? I have my mtgt with ASC and they’re so hard to get a hold of….. just wondered what an escrow disbursement check is…..
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Can you order domino’s pizza online with a credit card?
Does the tip have to be cash or can I add it from like the credit card?
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REFINANCING MY AUTO LOAN AND RENTING A NEW APARTMENT?
I want to refi my auto loan for lower apr. I’m also going to be looking for a new apartment in the next few months. Will one effect the other credit wise. Any advice is great. Thanks
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How long can you finance a $15000 car loan with good credit?
Like decent credit maybe between 650–720
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What is the internet address for a free credit report from the government?

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Should I File for Bankruptcy?
I am 21 years old. Some facts. I am missing my front 5 teeth due to a hockey injury. My car is sitting at a goodyear getting charged $25 a day until its picked up. I have roughly $75,500 dollars worth of debt. this doesnt include how much it will be to get my teeth fixed. My question is, should a 21 year old with $75,500 dollars worth of debt file bankruptcy? or is there a better alternative?””
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Can you take cash out with a credit card?
Never owned a credit card, but it seems you would not be able to get cash with a credit card…..or can you?””
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Will I be charged a cash advance fee if I use my Wells Fargo credit card at Bodog?
I’m not talking about my debit card but my Wells Fargo Platinum credit card.
“How can I contact the credit bureaus?

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Personal finance rule of 72?
1. Jerrod owes $2,000 on a credit card that charges him an actual rate of 18%. If jerrod stopped making payments, how long would it be before the balance on his credit card reaches $4,000? 2. Because jerrod missed a payment, the credit card company automatically raised the interest rate to 24% (suks to suk jerrod). How many years would it be until his balance doubles, assuming he continues to make no payments? 3. Ron and amie open an educational savings account for their daughter when she was born making a $5000 initial investment. They were unable to ever add anything else to the account. What was the rate of return of they had $10000 in the account after 12 years? 4. Kari would like to save $10000 for a down payment on a house. Illustrate the differenxe in years it will take her to double her current $5000 savings based on a 6%, 12%, and 18% interest rate? SO WONT YOU PLS PLS HELP ME (idk if anyone got that refererence but pls help and thank you)””
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Which FreeCreditReport.com commercial with the band was the first to air on TV?
My friend and I were fighting about which one came out first so I was wondering if anybody had proof or something about which one came out first.
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Can a small signature loan from my bank improve my credit rating?

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Can i get a mortgage/loan in US bank to purchase a house in Mexico?
First fact: my family is mexican and we live in Mexico. For the past years i have noticed the mortgage rates in the US are really low, even after the financial crisis 5%. In Mexico the rates are simply insane, they start at 15% and can go up to 20s/30s. So since your rates are way better up there in the USA… can I get a loan/mortgage there and use that money to purchase a house on this side of the border? *My household makes several times more a month the estimated monthly payment, so what do you guys think?””
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What are the lyrics to the new freecreditreport.com song?
the new one that goes f-to the-r-to the-e-to the-e and so on
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Can i file bankruptcy(chapter 7) in texas where i currently live even though i’m still a colorado resident?

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Can I get a personal loan from individuals online? Is there any site that does this?
I have fallen on some hard times and am in need of a few hundred. There are payday loan places here but the interest rates are astronomical. Are there any sites online with a community of people or something who loan money? It sounds too good to be true but hey maybe there is. I would pay all of it back in two weeks.
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Are there any legit online payday loans?
Online payday loans?
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Am i better off refinancing my auto loan or taking a lower interest rate loan and paying the car off with that
we got a used auto and financed through the dealership and the interest rate is extremely high. Should i refinance this loan or take a loan from my bank with a lower interest rate and pay off my vehicle and just pay the bank back.
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What does refinance a mortgage mean?
I want to know what these terms mean because we are about to get a house and i keep seeing things about refinancing a mortgage. Also, whats home equity?””
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What is the best way to get a bad credit auto loan?
I think that my score is about a 525. I do not have an money to put down and I need to trade in a car that I owe about 4000 on and it is worth about 2000. What should I do?
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Which of these is the best financing choice?
I’m looking to trade my car in next year for a 2012 Mustang. Mustang goes for around $20,000–25,000 depending if I get new or used. I’ll owe about $12,500 on my current car which will book for around $11,000 retail $9,500 trade in so I’m a little upside down I understand, but my bank will save me $4,000 off MSRP on a new Mustang. The thing that makes all this possible is I should have between $10,000 and $12,000 to put towards this matter when the time comes. So my question is, is it better to: 1. Try and pay off my 6%APR loan right now, and have that $9,000 equity free and clear to trade towards the new one? 2. Pay my current loan till it’s in the black again and trade the car? 3. Keep my same payments, and just put a huge chunk of cash down on a new car to offset the negative equity? Essentially I just don’t know where or when to apply the $10,000 to save the most money in the long run. And if it helps, I don’t plan on ever being upside down again, I’ll finally be able to get the car I REALLY WANT, and drive it till the wheels fall off instead of keep getting stuck in cars I didn’t want in the first place, but could afford”””” and always regretting it.””””””
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I want to use a prepaid credit card to make online purchases?
Im 16, and i want to make a purchase from a website and i have no credit card, but i want to know how to use a prepaid credit card. can i buy one at a walmart? how do i use a prepaid credit card when making online purchases??””
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Can auto loans be part of a debt consolidation loan?
If so, does anyone know where to get one with the auto loan?””
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Can anybody recommend a PayDay loan company in the UK that accepts regardless of credit history …?
and doesn’t require a guarantor. I’m just looking for a very small loan for only a week but would like minimal hassle.
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Have you ever used a cash advance Payday Loan….?
If you did, what was your experience like and were the fees or interest high? Need advice fast please!””
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Need credit card that accepts not so good credit with 1500 dollars or less to build my credit score back up?
any ideas?? Is their a site that gives you a credit line over via internet?
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Can my parents put my name on the mortgage?
I pay the mortgage on the house my parents own. They would like to put it in my name. What is the best way to do this, if we want to keep their names on it and my name as well? Does this have ramifications for my credit score?””
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“”Auto Loan , I want good advice from u people regarding auto loan?””
I am a first time car buyer and am looking to get a auto loan for a used car for about $10,000 preferable from a private seller. I applied and have been turned down by PeopleFirst.com, E-Loan.com, and Lending Tree. I don’t know what’s the best way for me to get a auto loan because this my first time. Should I try banks? I want to buy a used car from a private seller, but if my chances are high on getting a loan from a dealership then I will try that also. I only make about $960 a month because I am a student, 22 years old, and have a part time job. The type of car I am looking for is a used 1994 and up Acura Integra. Because of my age and status I am prepared for a high interest rate. I am just hoping I don’t have to put down a large down payment. Thanks for any info and help.””
“How can I contact the credit bureaus?

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Getting a small home loan after bankruptcy?
after December, 2011 it will be 1–1/2 yrs that bankruptcy was filed: home back to the bank: would like to get a small (~$25–30K) loan for a home: where do we start looking: excellent credit up to that point: have maintained excellent credit since.””
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My mother stole my identity.Credit cards and bills in my name since 2006?
My mother took out bills in my name and I think a credit card too. She knows she did and that the accounts have been delinqent since 2006 but we never really talk about it. I think it’s putting a strain on our relationship and I don’t know what to do. She already went to prison for identity theft and I don’t want to see her go back but I’m only 23 and I don’t want to pay for this debt that isn’t mine. I feel as my mother she should not have put me in this position and that it’s also a powerplay on her part. I feel that she doesn’t understand/care about the magnitude of this situation. Am I overreacting? Should I just take the debt since she is my mother? ANy help would be appreciated.
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Long term mortgage rates are best?
Why it is suggested that Long term mortgage rates, like 10 years are best?””
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How can I make my poor credit score better?
I have been unemployed for a little while. I day trade stocks for income, but as you can imagine, it’s been less than stellar the last few months. My credit score is poor and I’m trying to improve it. I’ve made the student loan people happy, paid off some debts, settled some others, etc. However, while rising slowly, my score is still very low. I can’t get a credit card or a loan based off no tangible income and a poor credit history. Any other ways to raise my credit score? Yes, despite my financial difficulties I always pay my bills on time (now).””
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How can i get a 8000 dollar loan with bad credit?

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I’m 20 and i need a loan for a car.?
The car im looking at is 8k and i have 3k saved up
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Foreclosure after bankruptcy?
I live in Fla. and two years ago I got a discharge on my bankruptcy and I keep getting letters from my bank ( Bank of Am. ) stating: Our records indicate that in the past you received a discharge of this debt in a bankruptcy case. Section 524 of the Bankruptcy Code tells us the dischargeof this debt means you have no personal obligation to repay it. The discharge also protects you from any efforts by anyone to collect this discharged debt as a personal liability of the debtor. My question is can I just walk away from this debt from the bank and just let the bank take it back? what other options do I have?
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Ok i need 3500 asap im 18 and i have no credit and no family members will co-sign on a loan what should i do?
also i do have a part time job…so im capible of making loans
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Can i convert my auto loan to an unsecured personal loan?
I understand the consequences of doing so (higher interest etc) but I have reason to believe i have become uninsurable on car insurance. I would like to have the title in my name only so that I can register my car to another person (this person will actually be giving me rides, not trying to continue driving until i have my situation figured out). The one positive i have is a good credit score, would a my bank be willing to convert my payoff amount into an personal loan at a higher interest rate?””
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Is an auto loan contract invalid if it was financed under the wrong social security number?
I signed an application with my SSN on it, which neither company has. The only application the finance company and the dealership have on file is one created four days after I signed any documents. The finance company claims that is the application which they approved financing for- the one with wrong information. The one I signed is nowhere to be found. The finance company’s inquiry to my credit history was on my credit report, but not the actual financing of the vehicle, which is how I found out about it. The finance company would not do anything to change the information on file and someone filed for identity theft as a result. The car was repossessed and I was told the finance company would not approve financing for the vehicle with my current credit. They told me the contract is invalid and because of that I am not bound to repay the remainder of the loan nor will any of it be reported under my credit- payments, repossession, etc. Is their claim that it is invalid true?””
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Is there anyplace to get an unsecured loan after bankruptcy? Not a pyday loam?
I have a bankruptcy discharged within the last year. I have a great job that i have been at for 13 years. But recently hsd some health issues that had me off work for two months. Im back to work but im so far behind im scared that i cant catch up. If i could obtain a $10,000 loan for 24 month terms, i could totally get on track. Is there anyplace that will work with me?””
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Who are some of the more affordable bankruptcy lawyer in chicago?
I am looking to pay $500-$1000 to file for my bankruptcy dont no of any lawyers with no hidden fee that can match my price range.
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Are there better sites for good deals on home stuff than Overstock.com?

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Where can I check my Credit Score for free?
I use to be able to do it on wamu.com since I had my account with them. But it became chase & now I don’t see the option to view my fical score so where can i check now? a good safe website, that doesn’t spam me up in return. if there are any? thanks guys! god bless you!””
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How much money can I get for a home loan? And how likely am I to get a loan alone?
My credit score is 702 as of today. My total monthly expenses including electricity, car & car insurance and monthly credit card bills totals $945.00. My monthly salary is $1182.00. Last year I grossed about $32,000. I have been employed for over 3 years with the same company, and have had no bankruptcies or collections. I am 24 years old and ready to buy! I live in Miami, FL by the way…boo. lol.””
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Where would I go to find an assumable car loan?
looking to take over car payments
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High debit credit ratio need a loan who will give me one?
I need a loan of 12,000.00 to save my home do you or anyone know who will help me””
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How long after filing a ch 13 bankruptcy can you get financed for a home loan?

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Do you get more financial aid when you file for bankruptcy?
We filed bankruptcy last year and the FASA only goes by current income. Since we both have jobs, they want us to contribute $10,000. We are on a payment plan for 5 years and they take all our excess money.””
“How can I contact the credit bureaus?

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Can some one afford a houses 250k if he she is making 61k a yaer?

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Is 7.9% a good apr for a 10k auto loan?
I was approved for a used auto loan at 7.9%. Is that any good for a 3 year old credit history?
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Why not give people with bad credit another chance….?
Ok call me crazy but there are a lot of homes just sitting on the market. Why not take the people who have bad credit, take their bad debt and roll it into the cost of a home and give them a one time credit? And give them another chance? That means the people that were not going to get paid in the first place, will get paid. Then it takes the houses that are sitting there, off the market?””
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What is the difference between an account payable and a loan payable?
What is the difference between an account payable and a loan payable? Btw, this is from my accounting class””
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I cannot get a credit card no matter what i do. i have no credit at all. i never knew it would be so hard!!!!?
well the deal on the auto loan is through a company called franklin finacial. the terms are 2 years 200$ a month. if i dont have insurance its 245$ a month. the car can be my choice. i can get a car for 6k. but they will only give me 3. so im keeping a eye out.if i got the secured card i would just use it for small purchases you know.
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Is it possible to get a new auto loan on a used vehcile after repossession 2 years ago.?
My husband had stopped working and wasn’ t receiving Unemployment for 6 months due t denial, After he won his unemployment it took an additioal 20 to 30 days to start receiving unemployment checks, which his car had a prior repossession and two week after he received his first unemployment check his car was repossessed and car was sold.””
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What are the best credit monitoring sites?
I need to know which site/programe is the best for credit monitoring. Such things like freecreditreport.com, credit lock, credit keeper. Which ones do you recomend and think are the best to use? All advice welcomed. Thank you, PVT Watts, Christopher US Army””
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Reaction rate for a first order reaction…?
A reaction has a rate constant of 0.00583 sec-1, how much of the compound (in mol/L) is left after 55.5 sec, if there was 0.238 mol/L at the start?””
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If you enter a fake credit card number on a site?
One required it but was not charging anything (dont ask why) so i put 0000000000000 and i think it accepted it but i got scared so closed the site. is anything bad going to happen?
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Consumer Math Part 2.?
12. John and Mary Billings own a condominium with an assessed value of $110,000. If the tax rate is 25 mills per $1.00 of assessed valuation, how much tax do they pay? A. $2,750. B. $1,840. C. $1,420. D. $1,200. A — Is not correct. 14.The gross income of Ginger Hughes is $215 per week. Her deductions are $15.16, FICA tax:$29.33, income tax: 2% state tax: 1% city tax: and 3% retirement fund. What is her net income? A. $57.39. B. $157.61. C. $170.51. D. $202.10. C — Is not correct. 17. Suppose your bank honors a check for which you dont have sufficient funds in your checking account. This action means that youve arranged beforehand for a/an. A. Overdraft Loan. B. Personal Loan. C. Mortgage Loan. D. Installment Loan. D — Is not correct. 18. What is the reading in kwhr of the electric meter shown in the figure below. A. 0631. B. 1641. C. 1732. D.9742. C — Is not correct. Only four, they dont give you enough characters to work with. I am helping a friend.””
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Where can i get a real free credit report online?I’ve tried these free sites but they all charge.?

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Where can buyers go for financing on mobile homes on land in TN?
Mobile home financing is sometimes very hard to find, some buyers have less than perfect credit, (640 and under). Looking for financing for mobile homes”””” single wide and double wide already on land. Some homes listed are manufactured double wide homes with permanant foundation””
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“”Where can I get a loan in Cork, Ireland?””
I am currently living in Cork, Ireland and want to find an easy loan option somewhere local where I can get an easy loan. Any online sites? Thanks!””
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What interest rate should I expect for a car loan?
I have a fico score of 720, and I want a loan of $7000 for a used car. I am 20 years old. I believe I want to go to my credit union.””
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Capital One Credit Card without a job?
But If I could pay it off later?? Could I do that? Sorry I’m new to this I don’t know much about it
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I can’t get a mortgage even with more than 50% down?
I am trying to buy a home near Minneapolis for $300,000. I have more than half that amount saved up to use as down payment. I have a stable, high paying career, no outstanding debt, no missed payments for anything. I went to college and paid tuition 100% out of pocket. The bank is telling me that I don’t have enough monthly obligations I make payment on currently to qualify for a fixed rate mortgage, but they might”””” be able to give me an adjustable rate mortgage if I bring in proof of payment for my gym membership and apartment rent: my only two monthly payment obligations that I am responsible for. I am very much a “”””saver”””” than a “”””spender”””” but with a stable 3+ years of income and a huge down payment””
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Legitimate work at home craft/assembly jobs?
I have been searching for a legit craft/assembly work at home job that I can verify through the BBB or other resources.. if you have any expierience with these types of companies could you please suggest them to me… thanks
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Where can I get a reasonable interest rate auto loan with bad credit? I’ve been quoted 18.99%?
I’ve been quoted 18.99% on with a 630 credit rating. Is this something I should expect and suck it up and deal with it?
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Are there any companies that consolidate payday loans?

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What do I need to do to payoff a court ordered judgement & have it removed from my credit report?

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Can I get a car loan of 7000 with a 570 credit?
I have a credit of 572 and I’m looking to buy a car that is $6900. I don’t know why my credit score is so low, I have a good income and have paid everything on time. However that is not why I’m here asking that. I wanna know if with $500 down and a credit score of 572 I can get the car financed? I know the interest will be high no need to tell me about that. Thanks!””
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Do you need to be 18 to buy a prepaid credit card?
I need to buy something online and my mom is old school and doesn’t trust anything with computers… I’m 17 and need to buy something with a credit card and was wondering if you need to be 18 to buy a prepaid credit card (Amex, Visa, Mastercard)?””
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How to file bankruptcy in Oklahoma?
I was looking for more information and details about what I need to do to file bankruptcy in Oklahoma. I’m afraid that this might be my only choice at this point.
“How can I contact the credit bureaus?

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