How difficult is it to get a car loan?
July 24, 2007 by blog100 · 3 Comments
I want to trade in my 2006 VW Jetta for a 2006 BMW 330i. KBB on my Jetta is around $10-12k, so I would just trade it in and finance the remainder of the BMW which would be about $20-22k. I’ve only begun using credit to build my credit score over the past 8 months, but what I do have is decent. How difficult would it be right now to finance $8-10k for a car loan?
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What is bankruptcy and how will it affect me?
July 21, 2007 by blog100 · 9 Comments
Not so sure if we’re actually going to have to file for bankruptcy or not, but my husband and I have talked about it before. I know vaguely what it is, and vaguely what it will do, but I’m not clear on all the details. Anyone care to enlighten me?
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How many credit cards should I have?
July 16, 2007 by blog100 · 11 Comments
I am new to the world of credit! I currently have 2 credit cards from Bank of America and Wells Fargo for 2 months. Should I still apply for another one or two or three?? If so, what’s d’ best credit card for the people whos just starting building credit.
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Will bankruptcy remove your obligation in paying for an uninsured auto accident?
July 16, 2007 by blog100 · 3 Comments
Yes, this question made me very angry too ***.
My friend has a large financial obligation that she does not feel she has the resources to ever settle this debt. She is considering bankruptcy to eliminate this and other bills.
Can she put this in her bankruptcy, or is it one that has to be paid?
Great answers everyone, it helps to know not everyone believes the magic eraser fairy can take it all away:)
All answers were wonderful, and of my same mindset. I chose Uwishuk because she is a claims adjuster. Thanks everyone.
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In an attempt to fix my credit, I tried to consolidate and it did not help. Who can help with credit repair?
July 15, 2007 by blog100 · 6 Comments
For almost two years, I paid a company to repair my credit. When I started my FICO score was 625 but I knew it was a matter of time before it became lower because of late payments. Now my FICO score is 500, I stopped paying the consold. company and have been told that I can’t use another one for at least a year.
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Has anyone filed for bankruptcy in Illinois and used the Law Offices of Peter Francis Geraci?
I wanted to find out if anyone in Illinois has used the Law offices of peter francis geraci to file bankruptcy. My husband and I are planning on filing and wanted to know if this law office was good or not.
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How can one use their credit cards to invest without the investment qualifying as a cash advance?
July 12, 2007 by blog100 · 5 Comments
Everybody knows using a credit card at the ATM or bank will qualify the transaction as a cash advance and cash advances carry a rather high rate. However today I heard a bit on the news;how to make money off of the credit card companies rather than them making it off of you. It featured some investment guru who talked about using available balances on credit cards for investments that have a higher rate of return than the credit card carries. I have a 0% until July 2007 with plenty to invest if I decided to do this, but how would I avoid the cash advance rate if it would be regarded as cash? Are there any investments that would list the transaction as a purchase? Please help, I am confused.
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How can you change your current car loan with a bank to another bank?
July 9, 2007 by blog100 · 5 Comments
I am wondering if there is a way to change my current car loan with a bank to another bank with better loan rates??
PLease any help…
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How do you get a car loan if you have no credit, but bad credit?
July 3, 2007 by blog100 · 12 Comments
One of the things car dealers look for is established credit, if you do not have it they offer the first time buyers package.
Only I don’t qualify because even though I have no credit, I do have bad credit because of a Verizon phone/Net bill and a medical bill. Now paying these off is a step in the right direction but it’s not going to help right now in concerns to getting a loan.
Normally I’d be like ***** it and get a used private one, only I went through two of them in the past year hurting my self in the process.
Is there ANYTHING I can do?
We’re Sorry
Thank you for your interest in DriveTime. Based on the information you provided on your application, we can’t currently offer you a DriveTime auto loan. Although we approve more than 95 percent of all applicants, one or more of your responses on our application form indicate that you are not currently an ideal candidate for DriveTime financing:
See what I’m saying, they make a bad situation worse, I have a full time job that pays close to 20 grand a year, so they lie when they say credit isn’t a problem.
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How can I repair my credit?
July 3, 2007 by blog100 · 5 Comments
I ruined my credit in college and as a result I have about $10,000 in debt. Most of the accounts are in collections, charge offs, or past due. The only thing positive on the report are my student loans and my car loan. I have heard of disputing the reports, but I also want to find a credit repair firm that will allow me to make payment arrangements. I want to improve my credit rating so that I can purchase a home in a few years, get approved for more credit cards and also get a new car.
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