0
What else can I help you with?
Does using finance companies instead of banks or mortgage companies adversely affect your credit score?
Your credit score could be adversely affected by using 2nd tier lending sources, such as finance companies for loans. If you successfully repay the loan and it reflects as a positive account, it will not generally reduce your score, but it may not provide much of a boost either. If you do miss a payment, it substantially reduces your score. Using finance companies is a signal to credit bureaus that you are either unable to obtain a traditional mainstream loan or that you are making a bad choice. Your credit scores will generally drop when obtaining finance loans.
Is it possible to refinance only the amount that is owed on a home or do you have to refinance at the current home value?
You can do either, but some credit sources place limitations on the minimum amounts / minimum percentages that they will loan.
How does one finance a business?
Usually when financing a business you need to go get a small business loan. You can get them either from a bank or a credit union. Credit Unions are the better place to look since they are owned by their members.
What if you pay something on the credit card but cannot pay the minimum payment?
Unless you contact the creditor in advance, you may get charged with a late fee if the minimum is not posted to your account by the due date. Make sure to get in contact with the credit card company if you are going to be short or late on any payments. Most will either put a temporary freeze on your account (not charge anything until you can pay it down again), post the minimum for you if you are enrolled in a payment protection service, or waive the fee for you. However, they will not do this if you fail to call ahead of time...
What is the process for disputing an e-commerce charge on my credit card statement?
To dispute an e-commerce charge on your credit card statement, you typically need to contact your credit card issuer either by phone or online. You will need to provide details about the charge and explain why you are disputing it. The issuer will investigate the claim and may issue a temporary credit while they review the case. It's important to act promptly and provide any supporting documentation to support your dispute.
I-tunes charge to credit card?
You can have itunes charge to your credit card or buy a prepaid card either a itunes card or a prepaid credit card ...
Why is a charge off so bad on a credit report?
A charge off is a term that refers to an amount of debt that is unlikely to be paid back. A charge off is then listed on a person's credit report and also on credit bureau reports. A charge off is a bad thing to have because it can make obtaining credit, either secured or unsecured, much more difficult.
Does using finance companies instead of banks or mortgage companies adversely affect your credit score?
Your credit score could be adversely affected by using 2nd tier lending sources, such as finance companies for loans. If you successfully repay the loan and it reflects as a positive account, it will not generally reduce your score, but it may not provide much of a boost either. If you do miss a payment, it substantially reduces your score. Using finance companies is a signal to credit bureaus that you are either unable to obtain a traditional mainstream loan or that you are making a bad choice. Your credit scores will generally drop when obtaining finance loans.
How do you remove charge offs from a credit report?
Charge-offs remain on your credit report for 7 years. If the account has been included in a bankruptcy, it should be marked as such...."included in bankruptcy". However, according to the Fair Credit Reporting Act, if you dispute the charge-off with the credit bureau and the creditor can not verify the account, it must be removed from your credit report immediately. Only the original creditor or the credit bureaus can remove a charge off, either through negotiations or through the dispute process.
Do I need a credit card for a forklift rental?
You will need either a credit card or a very large cash deposit. The renter will charge your credit card for any damages or other charges incidentally.
Is it possible to refinance only the amount that is owed on a home or do you have to refinance at the current home value?
You can do either, but some credit sources place limitations on the minimum amounts / minimum percentages that they will loan.
How does one finance a business?
Usually when financing a business you need to go get a small business loan. You can get them either from a bank or a credit union. Credit Unions are the better place to look since they are owned by their members.
Are there any cellphone companies that don't take credit cards to order a cellphone?
no because they need to know your credit information so they can like send you your bills and you can either charge the bill to your credit card
What if you pay something on the credit card but cannot pay the minimum payment?
Unless you contact the creditor in advance, you may get charged with a late fee if the minimum is not posted to your account by the due date. Make sure to get in contact with the credit card company if you are going to be short or late on any payments. Most will either put a temporary freeze on your account (not charge anything until you can pay it down again), post the minimum for you if you are enrolled in a payment protection service, or waive the fee for you. However, they will not do this if you fail to call ahead of time...
How can you finance a car loan if you have bad credit?
You need to check your credit score to make sure your credit is 600 or over if not you have to either put a larger down payment or pay off some debt before buying a car. The interest on a car loan with bad credit can be very high.
Is it legal to for a retailer to have a minimum credit card purchase in Connecticut?
Yes, and it is not an uncommon practice in all states. There is no law that requires a retailer to accept credit cards either. VISA and Mastercard, however, don't allow merchants to require minimum purchase amounts. It's in their agreement contracts.
What things do you need to finance a car?
an arm and a leg. lol A good down payment wont hurt either. Good credit for better interest rates for a loan, etc.
