Credit question...?

If you apply for a car loan using on the lot financing and you are denied after a credit check, will your credit score drop when the car lot tries approval from other companies? For instance, I applied and I was denied while I was on the lot. Then, for several weeks I received letters in the mail from several banks or banking agencies sending me letters stating that I was denied and the reasons associated with the denial. My concern is this: I never requested for the car lot to search through at least ten places for an approval. My credit was already bad, why make it that much worse?

Credit question...?

Having your credit check denied by several companies in a short timespan can adversely effect your credit score. However your situation is not applicable. Even though your credit was checked by several different finanacial institutions it was inquired on the behalf of one Lot. Therefore it counts as only one inquiry.

Ex.

1 Lot - Denied 30x by 30 different banks = 1 inquiry

10 Lots- Denied by one bank at each lot = 10 inquiries

So Don't worry be Happy :)

Credit question...?

NO YOUR CREDIT DOESNT GO DOWN AFTER CHECKING YOUR CREDIT SCORE.

Can anyone help me with student loans? (Help quick, please!!)?

I'm 17 years old, have been graduated from high school for over 2 months now, and walk in a week. (Aka: I graduated early) I have registered for college, and am starting this fall, and have been accepted into the dorms. I applied for FAFSA, and got all of my classes and other fees waved. The only problem I have now is paying for my dorms. I'm going to be there an entire semester (and maybe more, but that all depends on how things work out) and its going to cost me over $3000. I have applied for many scholarships, grants, but have heard nothing. So now I am researching loans, but can honestly say that I don't know what to look for or anything else. My family cannot afford to pay the $650 a month for them, and neither can I (we can't even split the cost). So, if anyone can give me information on student loans or whatnot, that would be helpful!

Please and Thank You!

~MissNikki

Can anyone help me with student loans? (Help quick, please!!)?

Go to your financial aid office and ask for assistance for this. Dormitory charges are normally included in a student's budget, but if you decided to live in the dorms after you told them (on the FAFSA) that you would live at home, it may not have been considered.

Your first thoughts should be for a Federal Stafford or Direct loan for the lowest interest rates and best terms. Your school will advise you which it processes and then, if you go the Stafford route, find a bank that offers them and go through the application process. Direct lending schools will do the process for you and with you.

Can anyone help me with student loans? (Help quick, please!!)?

Most banks have student loans. I have my loans through wachovia. Some schools also have their own loans, you may want to check into that, they are usually easier to get but come on a first come first served basis. Also Sallie Mae is a big student loan company don't forget to check them out.

Credit Card Application Unsuccessful?

Just entered a new company and will be needing credit card for work. So started to apply for them. Currently received unsuccessful results from 2 banks. No reasons given and this is how they going to help? With meeting of the cap to apply and knowing that I have not taken up any loans or debts. Why does my applications keep failing?

Credit Card Application Unsuccessful?

Call them and find out, they will tell you exactly the reason .. you might be able to give them some info and they may reconsider ... have your credit reports sent to you so you can take a look at them and make sure there is nothing inaccurate on there ...kr

www.equifax.com

www.experian.com

www.transunion.com

Good Luck!

Credit Card Application Unsuccessful?

Yeah, right... in Singapore? Ms. Marcos (phantom votes) Report It

Credit Card Application Unsuccessful?

What kind of work do you do that requires you to get a credit card? No normal company will expect its employee to get a credit card to work for them. Just want to warn you about potential scams.

I recommend:

1) You should have received an adverse action notice from your bank. You can contact them and ask them the reason your application was declined.

2) You should also get a copy of your credit report so that you can review what is on your credit history. You can get one from whichever credit bureau the bank used (should be in their adverse action notice), or you can get one from each of the credit bureau. Federal law allows you to get a free report each year.

3) If you have never had any loans or debts, that would likely be the reason you get turned down. Banks won't extend credit to someone who does not have a credit history. They simply can't judge your creditworthiness.

4) If that is the case, what you can do is:

- Open up a retail card account at a store such as Sears, Best Buy, Home Depot or Macy's. Use it to buy something you really want/need, then promptly pay it every month (or pay it off all at once). The point is to maintain a clean credit. You will start building up credit and may qualify after 12 months.

- Request for a student credit card (if you are a student) or a secured credit card. Both of these cards will likely have a low limit ($300 to $500). With a secure credit card, you will have to put a deposit down first. This is another way to start establishing credit.

Good Luck!

Just Be!

Credit Card Application Unsuccessful?

It sound like you have no credit history, therefore you have no credit, therefore you can't get any credit. Now if you were a college student, you can qualify for credit easily - go figure.

You need to establish some credit by paying some bills. Even utility bills might help. Go to a bank that your parents used or you have a savings/checking account with and ask them for advice.

On the other end, DO NOT pay any significant work expense with your money. A legitimate company will give you an advance or a company credit card whether you have credit cards or not. With a company credit card all you need do is justify the expense. They pay it off and pay interest charges if they accrue.

With an advance, you can use a credit card, if you get one, as you know you have the money to pay it off when it is due.

When you determine how quickly the reimbursement paperwork goes thru you can plan your credit card. They aren't going to pay your interest expenses unless you can make a case that it was their fault and you have no personal charges on the account.

Credit Card Application Unsuccessful?

Debit card is as good as Credit... Advantages and disadvantages...

Credit Card Application Unsuccessful?

You should make sure there is nothing wrong on your credit report, also you can get a credit card if your credit isn't the best.

Have a look here...

http://www.thecreditcardtorebuildcredit....

Credit Card Application Unsuccessful?

hello may name is kim an what you need to do is get an credit report an see whats on your credit that will be stopping you form get an credit card.But don't keep apply b/c that not good for your credit.

I am applying for Graduate School and hoping to secure all of the 20,500 that is available for direc

at the Graduate level...I have filled out my FAFSA and it says that my EFC is 7641....Is that a good number in hopes of securing as much as the 20,500 as possible ? Are there any financial aid gurus here that know this ? Thanks!

I am applying for Graduate School and hoping to secure all of the 20,500 that is available for direct loans?

In order for you to receive the max loan amount of $20,500, your Cost of Attendance would have to be at least that much(each schools COA is different) AND your EFC would have to be zero.

So to get an estimate of the amount you can borrow you need to find out your schools cost of attendance. Usually schools have this information posted on their website. Note: this is not the amount of your tuition, books and fees. Look for a figure posted that includes such things as transportation, room and board and personal.

If this amount is more than $20,500 then you would subtract that amount from your efc. Example: (7641- 20,500 = 12,859) and this MIGHT be a good estimate of the maximum you can borrow.

If the cost of attendance at your school is less - say 12,000, then theoretically the max amount you could borrow would be (7641-12,000 = $4,359). This is just a logical guess and I could certainly be wrong, you would need to talk to the fin aid office to be sure.

Good Luck.

I am applying for Graduate School and hoping to secure all of the 20,500 that is available for direct loans?

Money is the prior requirement for education especially higher education. Today, education plays a vital role in the modern life so if you are interested for your further studies and eager to turn your directions; finance acts an obstacle then avail loans for students.

Loans for students are designed keeping in mind student閳ユ獨 precious studies which entail lot of money to build the career of the person. Loans for students help the students from various age groups to support their education. Though, student belonging to various sections of society feels secure to opt for the student loan. Loans for students help the student to deal with all the expenses that are to be incurred during his education phase like it includes entire cost of the student閳ユ獨 education from tuition fees, accommodation, books, and computers to transportation and many more.

Loans for students are opened for various courses like regular, part-time, distance education etc. Therefore, depending upon the cash need borrower can avail secured or unsecured options. In secured loans for students lender favors him lower interest rate and greater amount which is borrowed for larger repaying duration. Apart from that in unsecured loans for students borrower is accountable to smaller amount and it comes at higher interest rate. Therefore, if you are searching for the student loans then you can avail many options that are suitable to your requirement.

Before raising loans for students borrower must look into the amount that a course require so that on basis of the amount borrower can raise the loan amount. This amount is depended upon the fees and other expenses that the borrowers want to cover under student loans. Student with bad credit can also avail loans for students as for that student have to take the loan along with a co-signer who has a good credit history. This way interest rate is also lowered otherwise they may charged little higher interest rate.

Banks, financial institutions, online lenders etc are ready to offer the loans for students. But students considering their precious time and finds easy to via online as it provides easy access than other source. There are a large number of requirements other than college or course fees. Some of the most crucial are computer expense, hostel charges, books and so on. The best college student loans are one which comprises all such expenses. But, to qualify for any such one, you have to give it your best shot as far search is concerned. Such purpose can be accomplished by exploring World Wide Web. You will find an innumerable number of lenders offering college student loans.

College student loans are the most lenient, as well as, flexible one. The interest rates of college student loans are nominal enough and above all, you will have ample time to carry out the repayment of the loan amount. It is usually after you have finished with your education and taken up some job.

The lenders trust students and you will also have to upkeep their confidence by making timely repayment of the loan amount of college student loans. Make sure to plan some schedule to repay the loan amount in advance to avoid any future trouble. You would also like to begin your career with unstained financial record.

http://a2z-loans.blogspot.com/2007/11/sc...

Hello, does anyone have any advise on how to do a business plan?

I've made up my mind on starting my own child care business. I was told I need to present a business plan to apply for a loan. I have no idea how to start the business plan?!

Hello, does anyone have any advise on how to do a business plan?

I would talk to a business counselor before doing anything especially spending money. I'd call the local office of SCORE (go to http://www.score.org and input your zip code to find the chapter nearest you), the advice is FREE.

The counselor at SCORE will most likely help you to write a business plan which will force you to dig out all of the start up details and the costs of starting a child care business and force you to also understand all of the aspects of this business including the subscribers you'll concentrate on (your market ) and how you'll go after them.

You'll need to register the business with your state controller's office and make sure that you have any city and county licenses if any are needed where you live. All of this will come out in a business plan.

Try this link :

http://www.ychange.com/small-business-co... and read some of the articles especially the ones about a business plan and starting a business.

Hello, does anyone have any advise on how to do a business plan?

You have to assess what you have and what you will ned to perform the business functions and justify that you will see profits (ROI) to the lender. I assume they are asking for equity as well.

Hello, does anyone have any advise on how to do a business plan?

hi yes i do have one...i use this resource on my homebased job

hope you find it very useful too! have a super day Laura

Hello, does anyone have any advise on how to do a business plan?

Go to google.com and type in 'business plan child care' and you'll get a lot of good ideas off that.

I am applying for Graduate School and hoping to secure all of the 20,500 that is available for direc

at the Graduate level...I have filled out my FAFSA and it says that my EFC is 7641....Is that a good number in hopes of securing as much as the 20,500 as possible ? Are there any financial aid gurus here that know this ? Thanks!

I am applying for Graduate School and hoping to secure all of the 20,500 that is available for direct loans?

In order for you to receive the max loan amount of $20,500, your Cost of Attendance would have to be at least that much(each schools COA is different) AND your EFC would have to be zero.

So to get an estimate of the amount you can borrow you need to find out your schools cost of attendance. Usually schools have this information posted on their website. Note: this is not the amount of your tuition, books and fees. Look for a figure posted that includes such things as transportation, room and board and personal.

If this amount is more than $20,500 then you would subtract that amount from your efc. Example: (7641- 20,500 = 12,859) and this MIGHT be a good estimate of the maximum you can borrow.

If the cost of attendance at your school is less - say 12,000, then theoretically the max amount you could borrow would be (7641-12,000 = $4,359). This is just a logical guess and I could certainly be wrong, you would need to talk to the fin aid office to be sure.

Good Luck.

I am applying for Graduate School and hoping to secure all of the 20,500 that is available for direct loans?

Money is the prior requirement for education especially higher education. Today, education plays a vital role in the modern life so if you are interested for your further studies and eager to turn your directions; finance acts an obstacle then avail loans for students.

Loans for students are designed keeping in mind student閳ユ獨 precious studies which entail lot of money to build the career of the person. Loans for students help the students from various age groups to support their education. Though, student belonging to various sections of society feels secure to opt for the student loan. Loans for students help the student to deal with all the expenses that are to be incurred during his education phase like it includes entire cost of the student閳ユ獨 education from tuition fees, accommodation, books, and computers to transportation and many more.

Loans for students are opened for various courses like regular, part-time, distance education etc. Therefore, depending upon the cash need borrower can avail secured or unsecured options. In secured loans for students lender favors him lower interest rate and greater amount which is borrowed for larger repaying duration. Apart from that in unsecured loans for students borrower is accountable to smaller amount and it comes at higher interest rate. Therefore, if you are searching for the student loans then you can avail many options that are suitable to your requirement.

Before raising loans for students borrower must look into the amount that a course require so that on basis of the amount borrower can raise the loan amount. This amount is depended upon the fees and other expenses that the borrowers want to cover under student loans. Student with bad credit can also avail loans for students as for that student have to take the loan along with a co-signer who has a good credit history. This way interest rate is also lowered otherwise they may charged little higher interest rate.

Banks, financial institutions, online lenders etc are ready to offer the loans for students. But students considering their precious time and finds easy to via online as it provides easy access than other source. There are a large number of requirements other than college or course fees. Some of the most crucial are computer expense, hostel charges, books and so on. The best college student loans are one which comprises all such expenses. But, to qualify for any such one, you have to give it your best shot as far search is concerned. Such purpose can be accomplished by exploring World Wide Web. You will find an innumerable number of lenders offering college student loans.

College student loans are the most lenient, as well as, flexible one. The interest rates of college student loans are nominal enough and above all, you will have ample time to carry out the repayment of the loan amount. It is usually after you have finished with your education and taken up some job.

The lenders trust students and you will also have to upkeep their confidence by making timely repayment of the loan amount of college student loans. Make sure to plan some schedule to repay the loan amount in advance to avoid any future trouble. You would also like to begin your career with unstained financial record.

http://a2z-loans.blogspot.com/2007/11/sc...

Does Thrift Savings Plan count as asset?

Hello:

I am applying for a pre-approval for a mortgage loan and want to know if my Thift Savings Plan should be listed as an asset?

Also, part of my Thift Savings Plan will be used for my down payment. For example: If I have $40K in my Thift, I am able to take out $15K for a down payment for a home. Should I list the remaining $25K under the asset section.

Thanks in advance for your opinions.

Does Thrift Savings Plan count as asset?

Yes, list it. We included my TSP when we bought our houses, and it shows that you are able to save money and that funds are available in case of an emergency.

If you have whole life insurance policies with a cash value, include those. If you have collections worth money, include that too.

Does Thrift Savings Plan count as asset?

Yes. Put that down as an asset.

Does Thrift Savings Plan count as asset?

Yes but it doesnt mean they are going to give you full credit for it.

Does Thrift Savings Plan count as asset?

Yes, TSP is an asset. If I remember how it works correctly, you'll actually be taking out a loan against your balance rather than a withdrawal.

Your remaining TSP balance is useful in the form of justifying reserves, discounted by a certain amount, which varies from lender to lender, because of the withholding requirement if you do leave your job (or your job leaves you) and you then decide to just take the money. Other than showing you have a certain amount in reserves, what's left is not really that important to justifying a loan.