Cheap way of checking credit?

Cheap way of checking credit?

My wallet was stolen the other day along with my driver’s license and my credit cards, other IDs, etc. Although my social security card wasn’t in there, I decided to put a fraud alert on myself in case this thief tries to open up accounts on my name, etc. I ran my free annual credit report for all three credit agencies to double check that I didn’t have any forgotten cards/accounts that this person could use. However, I am told that I should check my credit monthly for at least one year to notice any suspicious activity on there. Since I used up my free credit report, is there a way to check my credit reports again soon (and again, and again) for cheap or no money? I think it’s $30 to run all three and monthly that would be over $300. Can crime victims or those whose identities might be in jeopardy (or any others) get some sort of special deal on checking credit reports frequently? (I live in New York State, if that’s relevant)

Related :

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Is the last mortgage payment prorated on the month of the sell?
I’m buying a house but within the month of signing the contract the guy still has a mortgage payment. Does he get his money back after I pay for the house. Just wondering for future reference.
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What is my credit score?

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Can a trustee overseeing a chapter 7 bankruptcy claim a restricted stock unit. it won’t vest until 06/09.?

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Can I get a mortgage if I am unemployed?
I am a full time student and do not have a co-signer.
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Used auto loan- difference between bank and credit union?
Are there any big differences between the two?
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If I would use freedom debt relief company would that ruin my credit rating like a bankruptcy?

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Financing an auto loan without a co-signer? I have good credit?
I’m looking for an auto loan. The banks are not an option because they require a minimum amount that is not what I’m looking for. The other private options I looked at were good, but they said I need a co-signer. I have good credit, but not a great income since I work part-time and am a student. Is there some kind of place that will lend me money without a co-signer? Are there any known places I should look at, or where you can direct me? Obviously it will be higher interest, but if it’s my only choice I guess it’s alright. My only other option is my credit card and it’s 11% interest, so I’d rather not.””
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Has anyone applied for an auto loan thru Fundingway.com and gotten approved?

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#repost

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How much would my monthly mortgage payment be on my house?
If I bought a $300k house and made a down payment on it for $60k how much would I pay each month? How about a $200k house and I made a down payment on the house for $40k how much each month for that? And a $250k one? Thank you so much for helping me!
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Personal Loan 15K Want Car?
I want to buy a car I’m 20 and I was able to get my 1st loan with a co signer from a credit union in my area. I went for a second loan for the same amount both were 3,500 dollers and got that one w/out a co signer. The second time though I took out the loan for 3 yrs vs the 1st which was for only 1 yr but had a co signer. I want to go personal becuase the car I want I cannot afford to put full coverage on which I would have to do if I went auto loan instead of personal. I’m not sure what my credit score is but like I said I was able to get my 2nd loan on my own but this is for a much larger amount. I make about 14 dollers an hr at my current job and have been there for almost 2 yrs now. Just kinda looking to see if I’m shooting for the stars or if I have a chance to get a loan this large.””
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Auto loan with 647 score?
I’m looking to purchase a 2010 Chevy Malibu for 12500.00. I have a 2007 ford focus 88000 miles and excellent condition except for one tiny rear end that was repaired really well. I want to trade this car in. My interest rate is 17% (I know horrible but my car was pretty inexpensive and I bout it on my own with no credit history and was young) but my credit score is now 647 which I believe is average. Do you think I could pull it off? I’m not upside down on payments. My car is worth more than the 4000 I still owe on it. I reaaaaallllly want this Malibu at such a great price (it’s carfax is clean)
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#repost

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How to consolidate title and payday loans together?
I have some loans that I am trying to consolidate. If they are different types of loans that I want to consolidate titles payday and personal loans can this be done?
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How do I stop CIC from charging my credit card?
I asked for a free credit report and I was charged 19.99 without my ok. How do I stop them?
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Should I file for bankruptcy?
I am a college student who made really stupid financial decisions. I am about 5000 dollars in credit card debt not including student loans. I recently lost my job and I haven’t been making any of my payments and I get harassing calls all the time. I want to pay them but I honestly can’t do it. *Any suggestions on what to do? *pros and cons for bankruptcy *How much would it cost
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What is the car exemptions for chapter 7 bankruptcy in ohio?
What is the car exemptions for chapter 7 bankruptcy in ohio? i keep getting conflicting information. my car was paid off in full on one of the credit cards i am filing bankruptcy on. so i own it outright. it is my only car, it has a value of 7–8500 depending who you ask. if i filed 7 could i keep my car? obviously i would rather file 7 then 13.””
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Can I apply for a auto loan if I just got a job today?

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I have a credit card balance of $8000 on 21.99% interest rate?
would it help to pay off $8000 faster if I loan $8000 from prosper.com with 9.81%? I have a excellent credit history (750+)? How much is that 9.81% monthly compare with 21.99% monthly interest? Thanks!
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I need to refinance to lower payments?
We bougth our dream home two years ago, now is turning to a living hell because we’re being late with payments no more than 30 days but is hard to not fall behind on everihing else car payments insurance oh! everithing else we have an income of $5000 we thoug it was enogh no,no. The larger mortgage was fixed for two years and is turning into an arm rider we have an interest of 7% on that one. The second is a ballon rider with an interst of 9% I would like to refinance and lower my payments also to get some cash out to make some home improvements some advice out there! Something else we can’t apply for a gov loan since we have a co borrower.””
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How do I get a home mortgage QUICKLY?
We have found the perfect home (brick ranch 3 bed, 2 bath) It is in the perfect location as well. Asking price in only $32,400 — It is a foreclosure home, and it will be going up for auction in 15 days, unless we can buy it before then. So here is the deal. My husband has really bad credit. Reason, his ex-wife got their former marital home in 1999. She was told to get the mortgage out of his name, and to make all the payments on time so not to hurt his credit, but didn’t. In 2005 she was finally ordered to sell the house, using a real estate agent, signs, newspaper adverts etc. AND to make the mortgage payments on time so as to not effect his credit negatively. She didn’t do any of that. She rented the place out from day one, pocketed most of the money and only sent in a mortgage payment when threatened. This already effected his credit. Then in 2007 she just up and decided she didn’t want anything else to do with the home and had it foreclosed on. Due to ongoing court battles, over his ex-wife’s refusal to comply to any court orders (ie custody etc.) my husband took out a band aid loan (mortgage) in 2003 (to pay attorney’s fees), which was on a fixed rate for the first 4 years, after which we planned to refinance in to another fixed mortgage. However, since his former marital home was in his name, and she had it foreclosed on, she had ruined his credit. As a main bread winner, as my income was not enough to qualify for a mortgage, and his credit was ruined, and no one would even consider giving us credit. Our house payment went from $400 — $850 overnight. The loan was compliments of Ameriquest”””” sold to “”””Coutrywide”””” A few months later we lost our home. When we lost out home we could not find another in the same area we had lived in. We were thus forced to move a great distance””
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Can i use my walmart credit card at any atm for cash?

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I need a auto loan!?
I find myself needing a new car and as many of you know, times are bad in the economy. I have no credit history what so ever I checked my credit report and there is nothing but zeroes on the report. I am 50 years old and have always saved up my money and payed cash for everything. I have $51,000 in a money market acount getting 4.10% intrest. I was wondering what my chances are of getting a cash secured loan for a new car?. I thought although I could pay cash for the car if I took out a loan it might help me build a credit rateing better then 0. Does anyone know if a bank would likely give me a $25,000 auto loan if I used my money market acount for caladeral?””
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WHAT PAYDAY LOANS WEBSITE CAN I TRUST TO TAKE A PAYDAY LOAN?

“Cheap way of checking credit?

My wallet was stolen the other day along with my driver’s license and my credit cards, other IDs, etc. Although my social security card wasn’t in there, I decided to put a fraud alert on myself in case this thief tries to open up accounts on my name, etc. I ran my free annual credit report for all three credit agencies to double check that I didn’t have any forgotten cards/accounts that this person could use. However, I am told that I should check my credit monthly for at least one year to notice any suspicious activity on there. Since I used up my free credit report, is there a way to check my credit reports again soon (and again, and again) for cheap or no money? I think it’s $30 to run all three and monthly that would be over $300. Can crime victims or those whose identities might be in jeopardy (or any others) get some sort of special deal on checking credit reports frequently? (I live in New York State, if that’s relevant)

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Was the cosigner eligible in Washington State to sign for an auto loan if she is unemployed?
The bank required that the cosigner have an income. Correct me if I’m wrong, an income has to be taxable. Veteran’s Affair assistance is just that, assistance. Therefore it is not taxable and cannot be considered income. The cosigner did not lie about this and a letter from the VA explaining this was also submitted into this equation. However, the Bank used this as her income””””. And the amount she receives from VA is not enough to cover the monthly payment of the car loan. Is this legal? If not does it void the loan since the contract would be forged using ineligible means of income?””””””
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“”Can someone listed as a co-borrower”””” on a mortgage claim all of the interest paid on her taxes?””””””
As a co-borrower, the mortgage company does not report the interest paid under her social security number. It is only reported under the primary borrower’s social. Can the co-borrower still claim the interest on her taxes? I assume that as long as only one person claims the interest, not both, then there is no problem. But the IRS might think this is fishy if the interest isn’t reported under the co-borrower’s social.””
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Banks that do leases to people with less than perfect credit?
I am wanting to get rid of my SUV because of gas prices of course and get in to a sedan. However, I am wanting to lease. Does anyone know any banks that will do leases to people with less than perfect credit and have to trade my own vehicle in?””
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“”Ok, I HAVE NO MONEY TO PAY THE MORTGAGE?””
This is all my own fault, and my friends fault. We are up to our ears in credit card debt, and our mortgage rates are going up in one month to top things off. Our credit scores suck at this time. I make $630 every two weeks, and my share of the mortgage is $644 a month, not to mention car payments, insurance, gasoline, food, cell phone, a 2nd mortgage $6,000, ect. Thats just the tip of the iceburg. We can’t pay this months mortgage because theres no money,AND THIS IS WHY WE’RE GOING TO LEAVE THIS CONDO AFTER TWO YEARS OF PAYING ON TIME. What would you do? They sent us a Buy-out papers to give to some friends of ours that MIGHT buy it, but I feel its going to not happen…””
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“”Who owns my house? Me, the bank, or no one?””
I don’t understand. We filed bankruptcy, the house was not suppose to be included on the advice of the lawyer we were told to let them forclose. So Bankruptcy discharged July 09. We abandoned the house August 09 determined to go ahead and get our life back on track. Well we never recieved any corrispondence from our lender. The only thing weve ever recieved is propery tax bills which we don’t pay. Our credit report says the mortgage account status is closed”””” and payment status is “”””Debt included in or discharged through Bankruptcy Chapter 7"”
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How bad of a interest rate will I have after Chapter 13 Bankruptcy?
I have been in Chapter 13 for the past 5 years. My case is in the process of closing now. I did get a car loan about 2.5 years ago, and got it approved by the Trustee. It was a car with high mileage and a high (very high) interest rate. I have never been late on a payment to the Trustee, or a payment on my car loan. My car is now approaching 140,000 miles and starting to run bad. Will I be able to get a better interest rate on a loan then the one I got 2.5 years ago when my case is officially closed? Should I not even try to go to a dealership yet because my credit will still be horrible? Anyone have any experience with this kind of situation?””
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Get credit card numbers for porn site?

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Should we file Bankruptcy on home?
Ok we bought this house about 2 years ago. It is only 7 years old. We dont have any equity in it. In the past 4 months we notcied settlement cracks wall thats what we thought. We hired a company to check it out well the crawl space of the house is so full of moisture it as completely turned 1/3 of our support beams into card board. To fix all problems it will cost us 20 grand +. We have hired a lawyer to go after the builder but they filed bankruptcy and are no longer in buisness. There is mold covering everything under this house and we are looking for a different place to stay in. Our insurance company has fought with our lawyer and wont cover it because its the builders fault. My house is falling in literally and we are getting behind on our mortgage and we have to find somewhere else to live. We dont have the money to fix it and now we have to pay a lawyer. Our last resort is filing bankruptcy. Has anyone filed on a house before? We make less then the median income.
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How to buy a used car with bad credit?
Hi, thanks for your help! I am a 1st time buyer and in need of some advice. I need a new car asap since my current one has broken down. I have a low credit score. I have tried applying for an auto loan at 3 different places including Capitol One being declined. How can I finance on a used car with this situation?? and there’s no way I can get that amount of money in Cash. PLEASE give advice and tell me step by step what to do! I’m desperate for a car. thanks so much! PS- I have a steady full time job @ $2000 monthly, been with 4 years, I’m able to make the payments.””
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“”How can i get a home loan for a 130,000 dollars with bad credit and the payment be less than 600.00 dollars.?

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My parents filed for bankruptcy?
I’m 18 years old, and my parents just filed for bankruptcy, thanks to our stupid government cutting their salary down by $400 a month. Anyway, I’ve heard that once you do this employers don’t really want to hire you, and it’s harder to get car loans ect… will this have a effect on me? Or only my parents?””
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Where can i find a loan?
my credit score is not very good I could put some money down .Is there any way I can get a loan from somewhere that would give me time to pay loan off.Please no payday loans ,I’m looking for monthly payment plan .Please help thanks:?””
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AnnualCreditReport.com?
They asked for an account number on one of my credit cards. Is this legit. They did list the 4 that I have.
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“”What exactly does bankruptcy protection”””” mean?””””

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#repost

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I owe unemployment money can i include that in bankruptcy chapter 7?

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10 points for best answer. Is it possibe to refinance your home if your still in chpt. 13 bankruptcy?

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How can Americans approve of a bailout?
If you can’t make a credit card payment due to unemployment, does the credit card company forgive you? Do they let you go and not report you to collection agency? If you can’t make your car payment, can you still keep driving that car? If you can’t pay for your asthma prescription without health insurance, will the pharmacist give you the medication for free? Then how can the government give FREE money as bailout to corporations who are not able to pay their own bills? That too without asking anything in return. A blank check of $800 billion? Why the debts of corporation is forgiven, when the debts of ordinary citizen is never forgiven? Citizen keeps showing fiscal responsibility all his entire life and executive keep taking $25000 spa bath and $400,000 parties on bailout money? And its sad that they brainwash you into thinking this will improve the economy and create jobs. Because absolutely nothing is happening as you are seeing it, except for 250,000 job losses each month! Failing companies should fail just like failing citizen fails when he can’t pay bills. New successful companies will launch when previous ones fail, let the free market cycles take care of itself. If GM and Ford fail, tomorrow there will be a new car company born that will be very successful. It will not be the end of industry. Industry keeps going on, while old firms exit and new ones enter. “”
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How expensive of a car can i get if im military?
I’m looking ahead into the future a bit but in about a year i will be an E3 in the USAF. I will be bringing home about 1700 a month before taxes, so about 1300–1400 after taxes. I only have about 100 a month of bills and obviously live for free(housing and food). I was wondering, how much of a new car can i finance through a dealership. I have about 1000–1100 after i set aside some money into the bank. So that leaves me about 1000 a month that i could set aside to car, and insurance. I know my insurance will be pretty high, but i was wondering if anyone has any first hand experience as to how much of a car i’d get approved for. BTW: I have good credit, i dont have anything big on my credit report, but ive had credit cards, and cell phone, and furniture and insurance payments for about 3 years, and never had any problems with payments. So my credit is good with what i have, but i dont really have anything big so i would need a codigner if i were to try and get a car today. But from what ive read dealers usually approve anyone in the military, and especially if they have decent-good credit. THANKS!!!””
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Under the new bankruptcy law……How long is the waiting period before you can file chapter 7 again?

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#repost

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Can you order online stuff with a prepaid credit card?
hello i want to order something that are online such as camera accessories (sd cards, lenses) and im 16 so i dont have a credit card so i was wondering if it is possible to order stuff online with a prepaid credit card. Im a total noob about this so please provide details! lol how does it work? just go to my local cvs, target, rite aid and buy a prepaid credit card and put money in it thenn it works as a regular debit card and i can type in the credit card info when im purchasing a product online? is it a one time thing (i want it to be) or do i have to put money in it every month? do i have to get a papypal account to order things online? if iu would have to get a paypal account can i apply with a debit card? tahnnks for all the infoo!””
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Can I just file for bankruptcy instead of my husband and me?
My situation is: Our house was foreclosed, and we got a HELOC. Since we cannot afford to pay for the HELOC anymore, we have been receiving calls and letters demanding us to pay. I am planning to file for bankruptcy, can I just file for myself or it has to be both of us? The property was only under my name as well as the HELOC, my husband was my co-signer..please advise..thank you.””
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Where can a 18 year old get a $6000 car loan with no credit?

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#repost

“Cheap way of checking credit?

My wallet was stolen the other day along with my driver’s license and my credit cards, other IDs, etc. Although my social security card wasn’t in there, I decided to put a fraud alert on myself in case this thief tries to open up accounts on my name, etc. I ran my free annual credit report for all three credit agencies to double check that I didn’t have any forgotten cards/accounts that this person could use. However, I am told that I should check my credit monthly for at least one year to notice any suspicious activity on there. Since I used up my free credit report, is there a way to check my credit reports again soon (and again, and again) for cheap or no money? I think it’s $30 to run all three and monthly that would be over $300. Can crime victims or those whose identities might be in jeopardy (or any others) get some sort of special deal on checking credit reports frequently? (I live in New York State, if that’s relevant)

My wallet was stolen the other day along with my driver’s license and my credit cards, other IDs, etc. Although my social security card wasn’t in there, I decided to put a fraud alert on myself in case this thief tries to open up accounts on my name, etc. I ran my free annual credit report for all three credit agencies to double check that I didn’t have any forgotten cards/accounts that this person could use. However, I am told that I should check my credit monthly for at least one year to notice any suspicious activity on there. Since I used up my free credit report, is there a way to check my credit reports again soon (and again, and again) for cheap or no money? I think it’s $30 to run all three and monthly that would be over $300. Can crime victims or those whose identities might be in jeopardy (or any others) get some sort of special deal on checking credit reports frequently? (I live in New York State, if that’s relevant)

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