Can I return a used car bought from car dealer if i have not received the registration plates in one

Apparently, the bank that financed me is not releasing the title to the dealer for whatever reason.

Can I return a used car bought from car dealer if i have not received the registration plates in one month?

You might want to try talking to the dealer about that...then a lawyer.

Can I return a used car bought from car dealer if i have not received the registration plates in one month?

go talk to the bank and jack them up about two feet and see why for the mess......the dealer may still have your $$%26#039;s for the tags and isn%26#039;t getting the job done----------you have to go and talk to all for them and find some answers..........

Can I return a used car bought from car dealer if i have not received the registration plates in one month?

If you bought a used car and financed it, your bank owns the car until you complete all of your payments. You won%26#039;t recieve your title until that time. So that is normal.

Registration is completely different matter. It will show you as a owner and your bank as a lien holder.

Find out where the hold up is....

Your story does not seem complete.

Can I return a used car bought from car dealer if i have not received the registration plates in one month?

I suppose you could. The temporary plate is usually only good for 30 days, so you couldn%26#039;t drive it anyway. Although from what you are saying it sounds like it%26#039;s a problem with the bank, not with the dealer. Have you talked to the bank? I%26#039;d tell them you won%26#039;t be paying their payments since you are returning the vehicle, and see what they say.

Can I return a used car bought from car dealer if i have not received the registration plates in one month?

The bank isn%26#039;t going to release the title until you pay off the loan. Someone at the dealership is feeding you a line of doggie poop.

Can I return a used car bought from car dealer if i have not received the registration plates in one month?

You can%26#039;t.

Your only out is if the dearer has not had you sign away your lemon law rights. by writing %26#039; Sold as is%26#039; on your bill of sale or contract

Check and see if your contract contains a return clause, otherwise NO YOU can%26#039;t return the car

Used car loan terms?

I am coming out of a lease and I want to buy the SUV at the residual value. It is a 2004 but I recall years ago that a loan on an older care can only be financed for so many months.

Used car loan terms?

dude just get a ferrari

Used car loan terms?

You could get an 04 for 60 months if you wanted too and have the credit.

Used car loan terms?

first go to www.kbb.com, if the residual value is HIGHER, than the VALUE of the car, then do not do it...

You%26#039;ll be fine on the terms, if you paid your payments on time, they usually go up to 60 months... Make sure you negotiate the interest... Get it dropped 1 to 2 points/%, try for more... They alway%26#039;s up it to make money and believe me they made plenty off money on the lease....

Used car loan terms?

Easy question,no.Not solvable question,no.Check out this information,your answer might be here.http://carloan.featured-resources.info/c...

Used car loan terms?

High-End vehicles qualify for longer term.

You%26#039;ll want to check these guys out.....

http://www.123thebest.info/go.php?link=a...

Take Care.

Servicing car at a dealer and late on payments?

I owe about 3 months to the bank on my 07 camry. Its not because I am avoiding making payments, lately i have been having money problems...its financed through wachovia..but if it is supposed to be repo-ed would they keep it at the dealer?

Servicing car at a dealer and late on payments?

Maybe. When you take a car in for service, the Service Advisor does not call eht lienholder to see if you are current, so it is very unlikely that they would have any idea that you were late, and the bank would not know where the car is.

If you are in that much trouble, you need to stop hiding and talk to the bank and work something out. Why don%26#039;t you earn more money? Go get a job delivering pizzas or waiting tables and get caught up on the car.

Servicing car at a dealer and late on payments?

No the dealer don%26#039;t care. If they repo your car they will contract a repo company. The repo company will send 290 pound %26quot;Bubba the arm breaker%26quot; and a tow truck to get your car.

Servicing car at a dealer and late on payments?

Sell the car! You couldn%26#039;t afford it in the first place. The only way to truly %26quot;afford%26quot; something in this life is to pay cash for it. Whenever you take out a loan (or whip out the credit card), ask yourself: what will I do if I can%26#039;t pay it off?

Servicing car at a dealer and late on payments?

http://www.hsbcauto.com

http://www.capitalone.com

They both refinance cars.

Try it.

Servicing car at a dealer and late on payments?

The dealer has no idea that your payments are late. They have already made thier money and they dont care if you can make the payments or not. The bank is the one you have to worry about. I would sell the car and get a cheaper one.

A deer ran into mom's car, what does she need to do next?

My mom was coming home from work %26amp; a deer ran into her truck. She got an estimate from her insurance comp yesterday for $555. They wrote out a check to her %26amp; the finance company where her loan is. They said they done this because they are the lien holder. How does all this work? My father in law will probably fix it. Does he need to do an estimate also? What if the damages are more than $555? Will the finance company keep the check or send it to the body shop?

A deer ran into mom%26#039;s car, what does she need to do next?

After the deer hit her, she should have called the State police and notified them. They would have sent an officer and if the animal was in pain, they would have put it down. Then either the police or your mom should have got animal control to get the body. After the police report was filed, your mom should have gotten estimates on the repairs. Some insurance co.s do their own repairs. They ask you who is ding the repair and they will send the check to them. If they find more damage than was thought the insurance co. will send another check to cover the difference.

Since there is a lien on the car, the check was sent to the lien holder, this is a way to guarantee that the car is fixed and the money is not just pocketed. That would reduce the value of the car which is their guarantee that you will pay the loan. So once the car is fixed the lien holder should sign and forward the check to the repair shop. I would think it will also take your mom%26#039;s signature too.

A deer ran into mom%26#039;s car, what does she need to do next?

call animal control.

A deer ran into mom%26#039;s car, what does she need to do next?

They do this to make sure the truck is fixed, however your mother should have gotten estimates from 3 body shops before accepting check from insurance company. I have found body shops have higher estimates than the insurance co.

A deer ran into mom%26#039;s car, what does she need to do next?

Tell her to break out the BBQ so you can eat!!!! :) Venison is delicious!

A deer ran into mom%26#039;s car, what does she need to do next?

call the state police %26amp; call adimal control!!!!!

A deer ran into mom%26#039;s car, what does she need to do next?

Usually you would get an estimate from the mechanic or body shop and then they send the bill to the insurance company. I%26#039;m a little confused why they did it this way. Contact your insurance agent and ask them for details. It is their job to walk you through this process. After all they are the ones who get your money every month.

A deer ran into mom%26#039;s car, what does she need to do next?

The check shouldn%26#039;t have gone to the lien holder, unless the insurance company considered the vehicle too damaged to repair and will payoff the remaining balance of her car loan.

I think the insurance company made a mistake and should have given the $555 check to your mother or to the autobody shop to repair vehicle damage.

Talk to the insurance company and get a better explanation as to why they sent the check to the lien holder and not your mother.

Good luck.

Need Car shopping help PLEASE!!!!?

Im in the process of looking to purchase a dodge caravan, I dont want to finance at all Id rather pay cash cause my credit is shot! What is an acceptable way to haggle without being unreasonable, for example Ive found one priced at 4,900.00 whats should my initial offer be? remember cash purchase...

Need Car shopping help PLEASE!!!!?

Your question caught my eye with your statement %26quot; remember cash purchase%26quot; please go to this webpage how cash works http://www.usedcartips.org/CASH.html

I really like your honesty up front about your credit being blemished and would like to help you, for starters read some of my website and contact me from there with further questions

email me details or a link about the Caravan

Need Car shopping help PLEASE!!!!?

Look up the wholesale price on kbb.com, and offer something just a few hundred above that.

Need Car shopping help PLEASE!!!!?

Ask for a carfax report if it is a used car so you don%26#039;t get stuck with a lemon.

Need Car shopping help PLEASE!!!!?

Ask them again what their cash price is. Tell them that you have the cash available and will take the caravan without financing. The will give you a better price. Then go home and wait, telling them that you%26#039;ll have to think about it. Go to another dealer, and get their best cash price. Play one against the other, like saying dealer X said they would charge 4200 and dealer y is asking 4400 for the same vehicle. go back and forth till you get the best deal. Then go home and give each of them your home phone number or cell. One, or both will call you with another %26quot;best deal%26quot;. Then you%26#039;ll know which to take. Even if the two dealers don%26#039;t have exactly the same vehicle, such as a Dodge dealer and a Chevy dealer, you can still play them against each other. Both want to make the deal, but as the buyer, you%26#039;ll need convincing, why you should buy from one and not the other.

My car payment is very high, should I trade in for a lower payment, Details included below.?

I am changing careers at age 43 due to unfortunate health

issues. I am a single woman with no spouse, no savings and no help during the past 6 months with bill paying. I have now found myself in quite a mess with my finances. My past credit score was excellent (high above average) %26amp; in the last 6 months it has dropped to fair (below average). It is very hard for me to make financial decisions %26amp; any advice would be helpful. My 1st idea %26amp; thought is to downgrade my SUV, hoping that in-turn it will allow a much lower mnthly payment. I have 1 year left before my truck is paid off, however, the payment is so high I will not be able swing the payments for the next 10-12 mnths. My bank will NOT refinance my auto %26amp; I%26#039;d rather not have a repo on my credit. I can%26#039;t afford to get professional finacial advise, so I look forward to any suggestions. THANK YOU SO VERY MUCH for your input. Sincerely, Im (Clueless):)

My car payment is very high, should I trade in for a lower payment, Details included below.?

Honestly, the best idea is probably to do whatever it takes but pay that car off and keep it. If you try to trade it in and buy a cheaper car, you will lose in a long and possibly even short run. Considering that you have only one year to go on your SUV, I figure it%26#039;s about 3-4 years old. So, it probably can be used for another 4-5 years with very little problems. So, no matter how difficult this year will be, once you pay it off, you will have 3-4 more years with no car payments. If you trade it in right now, for a cheaper car, you will still have to take out a larger loan since a used SUV, probably costs less than a new car. So the new loan will have a balance of the old loan + the difference in trade in value of your SUV and the price of the new car. The payment may be less, but it will be for another 4-5 years. In my opinion, find a way to bite the bullet and finish paying this thing off and keep it. Every time you buy a new car, you lose money. So, why would you want to replace a car when you already have financial problems.

I know this is a tough advice to swallow. Just look carefully at your finances and see what non-essential things you could cut... Perhaps TV Cable? High Speed Internet? Look at your car loan, is there any kind of additional credit insurance you are paying on it? If yes, cancel it. Look at your Cell phone bill, can it be downgraded to perhaps use fewer minutes? Same with your home telephone, are there features you don%26#039;t need but paying for (i.e. three way calling, call forwarding, etc.)?

After careful consideration you may be able to find a $100 per month laying around, that would be huge help in paying off that car. Once you%26#039;re done with the car, life will get even easier.

Good luck.

My car payment is very high, should I trade in for a lower payment, Details included below.?

your in a pickle aren%26#039;t you. try going to a credit union for a refi. they usuall are more for the people than a big bank or finance co.

My car payment is very high, should I trade in for a lower payment, Details included below.?

Go trade it in. LOTS of dealers are having some big sales because they need to get the 07s off their lot to make room for the 08s. When you do that try to see if the dealer does business with a credit union because like the other guy said they are much nicer than the banks. Try not to buy used because they charge a higher interest rate. Good luck.

My car payment is very high, should I trade in for a lower payment, Details included below.?

Have you tried looking at other banks, and credit unions, to see if they will take over your loan? They may even be willing to extend the term to reduce your monthly payments. Usually a credit union will be your best bet because they normally have lower interest rates. If you do end up Having to purchase a different vehicle try to sell your current SUV yourself first. Private sales usually bring in more money than trade ins.

My car payment is very high, should I trade in for a lower payment, Details included below.?

If you only have a year of payments left and the vehicle is in good condition I would look to refinance from another bank , credit union . Depending on your interest rate , putting the balance on a credit card may be an option but check your interest rates carefully.

If it has a fairly high market value then selling it privately would be the better option. You wont get much for it as a trade in on a lower priced vehicle.

You should be able to get some financial advice from your bank, an assistant manager , or manager , it does depend a lot on the bank.

My car payment is very high, should I trade in for a lower payment, Details included below.?

If you still owe 12 months on your car, you will still owe it even after trade-in. i doubt you%26#039;d get much of a deal or a decent other car out of it from a dealer. Another thing -- dealers aren%26#039;t in business to make you money. Any %26quot;deal%26#039; they give you on trade-in they%26#039;ll pack back into the final sale price of the car you buy. Your best bet probably is to sell your car, pay it off, then use what you have left to purchase a cheaper car. You can use Trade-in-Value.com to do the math. Also, google %26quot;NADA%26quot; and %26quot;Kelly Blue Book%26quot; to get other estimates of what your car is worth for sale or trade-in.

My car payment is very high, should I trade in for a lower payment, Details included below.?

if you only have a year left on the loan, trade it in towards a smaller (more fuel efficient) cheaper vehicle - you should have some equity after deducting the loan balance

My car payment is very high, should I trade in for a lower payment, Details included below.?

If your bank won%26#039;t refinance the SUV, you owe more than it is worth. You need to arrange a private sale and get the current lender to loan you the balance. They already have an unsecured loan even if they don%26#039;t know that. Replace the car with a %26quot;garage sale%26quot; car.

My car payment is very high, should I trade in for a lower payment, Details included below.?

If your auto isn%26#039;t that old and you only have 10-12 months worth of payments, then it sounds like a great trade in car. Choose a modest car, maybe even a toyota corolla or something. They will roll up your remaining SUV payments into this new loan. Just buy a used car with low payments and better gas mileage. You%26#039;ll be better off in the long run. You%26#039;ll save gas money and you%26#039;ll end up with lower car payments.

A car dealer owes me 299 dollars and refuse to give them bak, how can i get my money back?

I bought a BMW at Daytona Beach BMW(florida) this april. The salesman persuaded me to purchase a $300 tire and wheel insurane plan for 5 years and promised if i change my mind i can cancel it and get the money back at any time. I found the plan not useful so i canceled it one month later. When i asked for the refund, the finance manager at daytona BMW first told me the insurance company haven%26#039;t returned the money to them. Then they told me i should expect the money from the insurance company directly (which was not the case as the insurance company told me they already gave the money back to the dealership). Then they told me i should wait and they will send me the money.

I waited a few months and received nothing so they called me back. This time they told me the dealership changed the ownership so they don%26#039;t owe me anymoney any more and i should contact the previous company ( which i have absolutly no contact)

How can i get the money back? No lawers are willing to take the case

A car dealer owes me 299 dollars and refuse to give them bak, how can i get my money back?

defentley contact department of fair trading in your local area,they should not be able to get away with this,Good luck,hope it all goes your way.

Maruti suzuki is looking for a dealer in Aanantapur.?

sales.service.spares.accessories.pre-own... cars.finance.insurance.fleet management

Maruti suzuki is looking for a dealer in Aanantapur.?

Hopefully, this is not an advertising site.

Keep the rules.

I just bought a car with a really high interest rate on the loan..?

for many reasons, its one of the highest you can get 19% what can I do to lower that? And once I sign the loan payments (which was financed by the dealership) can I return the vehicle? How many days do I have? I%26#039;m in California.

I just bought a car with a really high interest rate on the loan..?

DAMN!! Why so high?!? I just got out of bankruptcy and financed one 2 weeks later and got 8.5%. I don%26#039;t know about CA, I%26#039;m in FL here we have 3 days to return the vehicle without penalty. Of course I don%26#039;t think that means that they necessarily have to return your trade to you, they just have to give your money back for the one you purchased.

I just bought a car with a really high interest rate on the loan..?

Why would you do that? It seems incredibly high. Call a lawyer and see if you have any rights.

I just bought a car with a really high interest rate on the loan..?

Try this....find out the amount you owe...shop for loans.tell the dealer you%26#039;ve got a bank,creditor that is willing to give you a loan for the remainder of the balance at a much lower rate....if you can%26#039;t afford it that%26#039;s another story

I just bought a car with a really high interest rate on the loan..?

You apparently bought from a %26quot;buy-here-pay-here%26quot; used car dealer who finances his own loans. These dealers charge the highest interest rates allowed by state laws, regardless of your credit score. They will reposses your car if you are even a little late on one payment, and they put the car back on their lot, waiting for the next sucker.

You can%26#039;t take it back. There are no laws that give you the right to cancel an automobile purchase, even in Florida, as one of the other answerers incorrectly stated.

Your best option is to try to get another loan, assuming you have a good credit score, and pay off the %26quot;bad%26quot; loan.

I just bought a car with a really high interest rate on the loan..?

enjoy your new car.

Bank Car Loan Question?

Okay, so here%26#039;s the deal. Going thru a divorce right now and my ex hadn%26#039;t been paying the vehicle as he should have ~ kept deferring payments to the end of the loan and now we still owe $11,000 on a %26#039;96 van. Horrible, huh? Gets worse. My parents are on this van loan. My mom is very ill with cancer and because hubby and I are divorcing, having his name on this loan is driving my dad insane. Literally. Even better, that ex of mine didn%26#039;t pay state taxes in three years so now I can%26#039;t even drive the thing cuz there%26#039;s a lien on the registration!!! I moved out of the state we had been living in several months ago, and now am really looking hard for a resolution to this. My old banker had once let it slip they they would be willing to settle for less. Should check with my new bank to see if they would be willing to finance it for me? Several months ago, I had applied for a loan to get the money for the lien but was denied, but this would be secured. Do you think there is hope? Better idea?

Bank Car Loan Question?

I would try to handle this though the divorce. If your soon to be ex will be keeping the car, ask the judge to REQUIRE he refinance the car in his name alone or sell it and finance the deficiency within 90 days. If you will keep the car, make sure his name is removed from the title before you refinance. A new loan to settle the existing liens may be a good idea, but more information is needed.

Bank Car Loan Question?

Today every person has need of car, because it has become the necessary need for the people and status symbol also. If you have bad credit history or poor credit history and look for purchase a car, then it is very tough for you. Due to bad credit history, lenders are not keen toward%26lt;!--providing you loan, but do not be discouraged.Generally, bad credit car loans are available at higher interest rate, but you can take at competitive interest rate after placing your assets as collateral in secured bad credit car loan. You may find some car loans here,

http://badcredits.awardspace.com/guarant...

You also can grab bad credit car loan without keeping your asset as collateral, but you have to pay competitively higher interest rate. Hence--%26gt;you can take this loan at better rate, because competition among lender.You can reduce your interest rate after talking with the lender

Bank Car Loan Question?

Check out this site, I%26#039;m sure they have the answer you%26#039;re looking for.

Bank Car Loan Question?

The bad news is most banks will not use a vehicle over 5 years old for collateral and if your name was on the car loan as well, its probably ruined your credit. My thoughts are -- call the bank where the loan was/is originally and ask them to settle most times they will because something is better than nothing and it saves them time and money when they dont have to track it down to re-possess it. The tax situation you will have to contact the dept. of revenue in that state and set up payment arrragements for the taxes and they will probably release the lein.

Can car dealerships change the payment on a contract?

Here%26#039;s the breakdown. I put down a healthy down payment on a 2008 Jeep Liberty and signed an agreement for $315 a month. I live in a different county than where I bought the vehicle and got an even better rate ($312 and some change). My paperwork got messed up by the dealership (wrong VIN - same vehicle features) and I never got anything from the bank where my loan was financed. I later found out that they changed banks (which is legal) but that they changed the amount that my payments would be per month. What do I do?

Can car dealerships change the payment on a contract?

by law they have to honor the original contract. if they refuse, take them to court and show the judge your original contract. to make it a little better for you, call the media. NEVER let scam artist take advantage of you.

Can car dealerships change the payment on a contract?

They have to honor your contract that you signed. Go back to the dealership and raise some hell. They will push you around as long as you let them. If you have financing elsewhere tell them to cancel it and rewrite the contract with your own financing. Just make sure you have all your information with you when you go back. Bank name, the name of the loan officer to contact. If you still want to use their financing make them honor your contract.

Can car dealerships change the payment on a contract?

do you remember how many contracts you signed?

as a finance manager i was instructed to have a few signed w/ different lenders in case one lender didn%26#039;t buy i wouldn%26#039;t have to have you come back in and resign ( hence get out of the contract )

If you didn%26#039;t read each peace of paper chances are you may have signed a blank contract and which point after the finance manager gets your %26quot;paper bought%26quot; at who ever pays the dealership the most money or save the dealership the most money in fees: that%26#039;s where you go and the paperwork is filled in with the terms the bank or lender approved. You should have a copy and should have left w/ all copies of your paperwork.

but i know inside finance and many in tough times will slide things in so you have to demand that original contract and all contracts that were signed by you to really reveal what happened that day and why your payment went up. You need a face to face w/ the finance manager but better yet w/ the GM so you don%26#039;t get the run around. I%26#039;m certain they can match your $312 payment if they really want your business.

hope that helps!

Can car dealerships change the payment on a contract?

I recommend you take the vehicle back and go somewhere else. If the dealer has a bad contract in hand, you are driving for free. If you like the car and want the finance, go back and renegotiate. If a deal slept a blank contract without you being aware, same on them. Take the car back get your money back and buy else ware.

Can car dealerships change the payment on a contract?

Based on what you are saying You should contact the FIN director of the dealership. By law they have to abide by the 1st contract that you signed off on! You shoudlnt have found out later about the banks though! Normally they contact the banks when you are in the Finance directors office to give you the terms on payments! Contact the Finance director or the sales manager! Because something dosent sound right!

Becoming a car salesman?

how long would it take to move up to finance manager or sales manager if i am good at sales? and how much money do they make?

Becoming a car salesman?

go to a dealership and ask this question

Becoming a car salesman?

wtf

Becoming a car salesman?

Why would you wnat to be a sleazey sales manager for a car company????

You may as well become a pimp.

Becoming a car salesman?

If you can lie good, steal from folks, and cheat on your wife, tell storiies on how the car was driven by a little old ladies only on Sunday, and still smile, you can move up fast.

Contract new car?

We purchased a new Hyundai, we paid 1800 down was was told we have to finance the original 16000, was fraud commited on this?

Contract new car?

Did you actually give them $1,800 in cash, or is this just the supposed amount they gave you on your trade? Either way, the only one who can answer your question is the dealer. Ask. If you don%26#039;t like the answer, back out and go someplace else.

Contract new car?

where did you buy this hyundai at? With the information you have given I can%26#039;t give you an exact answer.

Have an car title loan with outrages interest. Is there a company that can buy my loan at cheaper ra

I hocked the title to my truck for some fast cash. But the balance plus outrages interest is due in 30 days. Is there a finance co. that buys theses types of loans for a lower interest rate and monthly payments.

Have an car title loan with outrages interest. Is there a company that can buy my loan at cheaper rate?

the only other option would be go to your local bank,,and have them buy it out,,they would be cheaper than a title loan is,,any time you need money it would be cheaper to go to a bank,,or find a friend who would pay it off,,and pay them back,,that would beat what your paying now,good luck with it,,i hope this help,s.

Have an car title loan with outrages interest. Is there a company that can buy my loan at cheaper rate?

As well as the points made in your first answer, you would also need to check out what penalties the original company might raise against you for early termination of the loan.

These MAY be prohibitive.

Have an car title loan with outrages interest. Is there a company that can buy my loan at cheaper rate?

Go to your bank and get try to get a loan to pay for it.

Have an car title loan with outrages interest. Is there a company that can buy my loan at cheaper rate?

You are probably in trouble.....my guess that this was the only way due to your credit that you could do this.....if not then you could go somewhere else and refinance it but my guess that you may struggle.....get your money together and pay it off.....these people prey on people in %26quot;dire-straits%26quot;.....hope I am really wrong and you did not know any better

Refinance or Finance?

I I got my car about almost a year ago, May would make it a year. I received an offer in the mail from Capital One Auto Finance. For the past months I have been thinking about getting a NEW car. The current car I have is a 02 Nissan Sentra and I am paying $379 a month through the car dealership with an APR rate of 28.77%. (This is a USED car) all together the total I would have paid for the car is: $15,638.00 Should I go ahead and refinance the car with a lower rate or should I just get a new car and finance with Capital One????

Refinance or Finance?

Trading it in would make no sense...as stated before you owe way more than your car is worth. All you%26#039;ve paid so far is the interest on the loan. You would lose your shirt getting rid of this car. Just refinance...even a few points off that interest rate would save you a lot of money.

Refinance or Finance?

WOW, you are paying a crazy rate! If you want a new car then go ahead and get one but I wouldn閳ユ獩 suggest going through the dealer, check the banks for a loan the rate will probably be better.

Refinance or Finance?

That%26#039;s the highest rate I have ever heard of. You need to refinance at a better rate...it will lower your payment drastically.

If the car is running well there is no need to trade. You obliviously are building or rebuilding your credit...more debt will not help you. Also, it does not make sense to increase your debt at high interest rates because you will be throwing away alot of money and surely have alot of negative equity in your car...most of the money you have paid so far is interest.

Good luck

Refinance or Finance?

depending on your new rate: you would need to check it and also take your offer from capitol one to your local bank or credit union. Also on the new car sometimes the manufacturer has a better rate yet... 0-2% but w/ the negative equity you may need to consider buy a 1 -2 year older preowned car in order to refinance back in that negative equity or you would have to come up w/ the down payment to cover it. Because the lenders will generally only finance black book if your in the secondary market. If your fico score has moved up and primary market may consider a little moor like 110% of sales price to help cover -equity.

your negative equity along w/ that rate! omg i%26#039;ve never charged someone 28.77% what state are you in? I thought there was a law on these rates being capped. Makes you wonder who is really loaning you the money %26gt;%26gt;and you guessed it not really banks...

headed down the same road as the sub prime!

definitely do what ever you can do do get out of the rate!!!

down payment talks so if you have any be prepared and it will help the primary lenders consider you more. again it all depends on your current 6 month credit history and 2 year stability record and debt ratio...

please get a hybrid if you can go new you%26#039;ll save money and our environment and also possible special tax rebates available for your state.

Can i trade in my lease car for another car?

i have a 36 month lease on a jeep on which payments are a bit out of my means now, can i trade in my lease jeep for another vehicle which could be either lease or finance?

Can i trade in my lease car for another car?

It depends on your leasing company. Most (not all) leasing companies today, i.e. GMAC, FMCC (ford motor credit), will allow you to trade in your leased vehicle. But, there are a few leasing companies that will not allow it. First call your lease company and find out if they allow it.

Then, what will happen is the new dealer will calculate your remaining payments, or your trade negative equity, and use which ever is less, and carry it over to your new purchase or lease contract.

For example, if you have 12 payments left at $400, the amount would be $4800 that would be added to your new lease or purchase payment. Or, if your total balance owed was $20,000 and the vehicle is worth $15,000, then it would be a $5000 difference that would be carryed over so you would want to go the other route.

So, it can be done. It just really depends on whether or not your lease company allows it, and how much the total amount would be to carry over to the new purchase would be.

Hope that helps.

Can i trade in my lease car for another car?

I think that would depend on your contract. Read that and

see where you stand.

Can i trade in my lease car for another car?

Trading a leased car is usually not a good idea because you are upside down for most of the lease.

In other words, you have no trade-in equity to use as credit in buying or leasing another car.

And you really do not want to transfer negative equity from a lease to another lease or purchase -- which will most likely make your payments on a new vehicle higher than your current vehicle, even if you get a lower priced vehicle.

The only way you%26#039;ll get lower payments is if the dealer extends your loan out to 72 months or more. Then you%26#039;ll REALLY be upside down.

Essentially you would be paying off two loans (leases) at the same time -- one high priced lease and another low-priced lease or purchase. Not a good idea. Stick with your current lease until the end, or near the end.

How long does it take for your credit score to improve?

I want to buy or finance a car but my credit wasn%26#039;t good. But I%26#039;ve been paying my bills on time and some things should be gone from my credit by now. It was three months ago is that to soon to try again?

How long does it take for your credit score to improve?

its very easy to get crdts ...........

i had got from this source which may also helps you

How long does it take for your credit score to improve?

It can take years to build up credit. A missed payment will effect your report for several years. The legnth of your credit history also effects your score. Just continue trying to maintain a clean credit history and save up your money. I would check your credit score maybe once every 6 months, possibly once a year to see if it has improved. Strangely enough, making repeated credit inquiries can negativly effect your credit score.

How long does it take for your credit score to improve?

It takes years to build credit but if you have anything bad on your credit report it takes 7 years for it to be removed you can also challenge things on your credit file and if they don%26#039;t respond it will get removed from your file and you can get a free copy of your credit file from consumer credit reporting companies: Equifax, Experian and Trans Union. if you haven%26#039;t already at this website www.annualcreditreport.com

How long does it take for your credit score to improve?

It depends WHY your credit is not good. If it is a question of having bankruprcy or collections on your report it can take a long time of good credit management to get your score back up.

If you simply have lack of credit history, or too much debt then you score can raise alot faster by simply paying off some bills.

How long does it take for your credit score to improve?

It took me almost a year to build up a good score and then (out of the blue) a judgement showed up on it. 120 pts right off the top! I was able to get it vacated - but it%26#039;s taken me another year to get back up to where I was when it hit.

Just keep paying things on time. Washington Mutal was my first credit card when I didn%26#039;t have much credit and they offer free credit score monitoring every month. You might check with them about getting a credit card (secured or unsecured - depending on your situation).

How long does it take for your credit score to improve?

it takes 7 years for negative information to fall off your report...however, good information can remain forever

How long does it take for your credit score to improve?

First, you need to purchase a 3 in 1 credit report so that you know your score and you have a starting point to make your battle plan! If you want to learn ways to improve your credit then visit http://www.thecreditrepairmanual.com

How long does it take for your credit score to improve?

The below website contains valuable information related to your question:

How long does it take for your credit score to improve?

yes

How long does it take for your credit score to improve?

I think it is too soon to try again you will be given a higher rate based on your not so good credit. You need to be patient and give your credit a time to be good enough to qualify you for a better interest rates.

Good Luck.

Do you think i will get the auto loan?

i have fair credit, my credit score is 604, i make about $800 a month and i had a cosigner who has a credit score in the 700 and makes $1500 a month, im trying to finance a car for 14,000 and im putting 3,000 down. i%26#039;m really anxious to know if i will get it or not, just curious what others will say. thanks :]

Do you think i will get the auto loan?

I would guess no. Your payments will be close to $300 per month which is 40% of your gross income. You should consider getting something less expensive.

Do you think i will get the auto loan?

Sure you will. If not convential financing then special financing.

Do you think i will get the auto loan?

car loan with a credit score of 540

There are a huge number of banks that deal with auto loans for people with challenge credit. The two best choices are:

1. Go to a very large dealership that advertises that they help people with credit problems. A large dealership will normally have more banks they work with, more talented leading specialist on staff, and stronger relationships with the banks. (There are exceptions to this rule of thumb.)

2. Put down a large down payment. The more money you put down, the more likely the bank is to give you the loan.

Also, note two additional things:

1. Depending on current rebate offers, a new car may be easier to finance with a lower payment and lower down payment for you.

2. Some credit unions are wonderful for people with credit issues.

My advice is to find a dealer you feel comfortable doing business with. Believe it or not, there are honest auto dealers and honest car salespeople. Try to find one you instinctively feel good about. Generally, you will get the best deal from a %26quot;good person%26quot;.

--------------------------------------...

http://www.loansandinsurances.com/

Do you think i will get the auto loan?

Yes, with the cosigner you will. I received a $12k loan when I was 18 with no cosigner and had absolutely no prior credit, and I only made about $1000/mo. But I did get a horrible interest rate.

Do you think i will get the auto loan?

yeah u might but u will have a high rate and high payments

Do you think i will get the auto loan?

yes its possible for you to get an auto loan.don%26#039;t worry its better for you to try for an online loan.bcoz lot of abnks in online lend loans even u have a poor credit also.i think that the below website will help you to find right solution.

Do you think i will get the auto loan?

Yes there are bad credit auto loans online for people with a poor credit history and low FICO scores who need transportation, and need a fresh start in repairing their credit. Although it may seem hopeless if you have blemishes on your credit there is a solution. First you will want to get rate quotes from various sources. This is very important, you should shop around to find the best deal. However, keep in mind that there are different%26lt;!--factors at play with each lender, as to whether or not you get a loan and if so at what interest rate. You can get approved for a auto loan.

http://badcreditloans.awardspace.com/How...

But lets be clear, obviously you are not going to get the preferred interest rate on a car loan that a person with A+ credit will receive. However with a little research, especially online, you can find the best auto rate quote that meets your circumstances. Most people just dive head first into the auto financing process when--%26gt;buying a car, giving no thought to how the auto loan interest rate affects the overall cost of the vehicle or monthly payment. With no plan of action or alternative financing source, this results in them receiving high interest rates and high processing fees which lead to high monthly payments.

Do you think i will get the auto loan?

It really depends on who%26#039;s doing your financing and what the market is like. My guess would be yes. But check out this site for more info:

http://www.find-cheap-used-cars.com/used...

Do you think i will get the auto loan?

I would have to disagree with the other answer provider I think your chances are pretty good because dealers will do anything to get you the car, I cannot say the same about talking directly with the banks though you can get a better rate from them. I got a car a year ago the cost 11365 with no credit history my dad as a cosigner who made like 1600 a month with good credit I think 680. I used to make back then like 600 a dollars a month(now I make a little less).We negotiated directly with the dealer so our interest rate was 9%

Defaulted Loan?

Hey everyone just wanting some advice. about 2 years ago i financed a car for my boyfirend at the time. it was reposessed. i need to get a personal loan to pay this back so i can start repairing my credit, does anyone know of any loan companies or private lenders that will help me in my situation? or does anyone know loan companies/private lenders that done undergo credit checks. thanks

Defaulted Loan?

Try the below company

Defaulted Loan?

You don%26#039;t necessarily have to get a loan to accomplish this. Contact the lender who financed the car and see if they will let you make payments to them. And if you pay off the loan, negotiate that they remove the repossession from your credit report. It%26#039;s easier to negotiate with creditors these days, all they want is to get their money back.

Why do I feel like my spirit is stabbed?

Ever since I signed the line to finance my car that I bought from a schister, (26% APR that I didn%26#039;t see) I feel like literally a knife is in my chest in my spirit and it won%26#039;t go away. I am a christian, so I have tried praise and worship, praying, singing, but nothing works, my spirit kind of feels sore and jellowy...

Why do I feel like my spirit is stabbed?

Of course you hurt, you need to look for another loan right away at a lower rate, keeping yourself busy will make you gain confidence in yourself again.. your soul is all of you the body is just a shell to live in this world.

Why do I feel like my spirit is stabbed?

Refinance. Go see a banker.

Why do I feel like my spirit is stabbed?

Maybe you have heartburn. Have you been eating any spicy foods lately?

Why do I feel like my spirit is stabbed?

if God can forgive you then learn to forgive yourself and not do it again

Why do I feel like my spirit is stabbed?

that is not a knife in your spirit, it is just the benefit of hind sight eating at you.

eventually this feeling will pass

Why do I feel like my spirit is stabbed?

First off, it%26#039;s %26#039;shyster%26#039;. Secondly, why was the salesman at fault if YOU were the one who didn%26#039;t read the contract? Thirdly, dude, this has nothing to do with your spirit. It%26#039;s just the thought of all that money you%26#039;re going to be wasting on this awful deal you made. Instead of praise, worship, prayer and singing songs, have you considered refinancing and attempting to get a better deal on the car? Just a thought.

Why do I feel like my spirit is stabbed?

Sell the car, pay off the debt and save up to buy a car with cash. Ride a bus or taxi till you can afford one without a loan. That is what I did. :)

Why do I feel like my spirit is stabbed?

Try pulling the knife out of your own back, and put it into the %26quot;Shyster%26quot;!

Why do I feel like my spirit is stabbed?

Check with your state to see what the maximum legal interest rate is. There are laws against loan sharks. The rate does seem high, but then again it may be legal.

Sit down and calculate how much you will pay in interest in the loan. This is the amount that you can lose and still come out ahead if you return or sell the car. You should get rid of the car. Not only to get out from under the financial burden it has placed you in, but also driving it is a constant reminder of the injustice you feel.

Continue to pray and ask God to sooth your soul.

Why do I feel like my spirit is stabbed?

I%26#039;m sorry to hear that you are in a 26%APR loan. I hope the loan is not too big. The loan has nothing to do with God or religion. Your spirit may be dampened because you realized you overpaid. All life is a learning experience. Don%26#039;t let it happen again. Do your homework next time. Also, most individuals who achieved great success failed along the way at some point. You have to pay your tuition for success. Seek guidance from smart people, do your own research and your desicions will be better as you make them.

Why do I feel like my spirit is stabbed?

You can%26#039;t expect God to do every thing when you don%26#039;t read

your contract,you made a bad decision.God had nothing to do with that.You signed the papers.Now,you can expect God will give you wisdom on how to correct this error.

Get on your knees a pray for his miracle for you.

I did the same thing once.You may have to ride it out and count it as a learning experience you never do again.

God Bless you...Give to God!!

Why do I feel like my spirit is stabbed?

There%26#039;s bad people out there that prey on the people that are not informed or they hide important details. I try to think of ways in which i can act to teach them a lesson and inform others so it doesn%26#039;t happen to them as well. I would write reviews online, go to a local radio or TV station and they can do a story on it, or at last resort get a lawyer. That feeling won%26#039;t go away untill you have done something about it and justify your self by making others informed.

Why do I feel like my spirit is stabbed?

If praise and worship hasn%26#039;t magically padded $1,000,000 into your back account by now, then it probably won%26#039;t get you a retroactive better deal either. Best to stop wasting your time on that. Try refinancing with your bank or credit union; they don%26#039;t even require praise and worship (although a song and dance might help).

I also once discovered that i had been skewered by a used car dealer. My reaction? %26quot;That salesman sure did his job well that day! He probably saw me coming a mile away.%26quot; No bitterness there, except to my na茂vet茅. Then i learned how *not* to buy a car, and also learned not to walk into the lion%26#039;s den without help.

Why do I feel like my spirit is stabbed?

You sort of feel like you%26#039;ve betrayed someone and yourself. I sometimes get that feeling too. Everyone makes mistakes I%26#039;m mean we%26#039;re only human but eventually this feeling will pass. Just trust God and he%26#039;ll see you through even though it might take a while.

Why do I feel like my spirit is stabbed?

Thats not spiriual pain. That%26#039;s your dormant, more intelligent sub concious reminding you that you F-upd.

OMFG .. Will this hurt my credit score?

Dang, dang, i am so concern about this now. I just checked my CapitalOne account online and i just REALIZED that my minimun payment is due on the 22nd of November. So, that mean it was 7 days late. Will this go into my credit score? I was so concern about it and I paid off the remaining balance too. I%26#039;ll ask again, Will this hurt my credit score? i am thinking of finance a car next summer.

OMFG .. Will this hurt my credit score?

No, as long as the payment is made within 29 days of the due date, + late fees, you are fine.

OMFG .. Will this hurt my credit score?

You can usually pay it late once. Dont pay late twice in a row.

OMFG .. Will this hurt my credit score?

a small mistake like that wont effect your credit enough to stop you from financing a car

OMFG .. Will this hurt my credit score?

It shouldn%26#039;t. CC companies won%26#039;t report anything to the credit bureaus until you are at least 30 days late.

OMFG .. Will this hurt my credit score?

When you%26#039;re late on payments it does reflect on your credit. But it happens to everyone. Just don%26#039;t make a habit out of it and you won%26#039;t have a problem.

OMFG .. Will this hurt my credit score?

No it shouldnt hurt your credit score. Given that most credit worthy companies only report every three months, you have to be significantly in debt for them to report a negative account. Trust me i know, cause i have absolutely horrible credit. LOL i havent payed my capitol one account or my first financial account in like 3 years. Now that is bad credit!!

OMFG .. Will this hurt my credit score?

Yes it will .unless you call them and say some lame excuse. like I didn%26#039;t receive my statement by mail on time or something. and make sure that you call day time to find some manager who can wave the bad record.

OMFG .. Will this hurt my credit score?

you will be fine!! don%26#039;t panic, it won%26#039;t hurt your score being so little time late! paying off the balance is good, but try to keep a small amount on the card and each month pay as much as you can OVER the minimum amount due. this makes you look great! i have quite a bit of experience in credit and dealing with creditors, as i had my identity stolen, so i had to learn the ins and outs very quickly! hope this helps!

OMFG .. Will this hurt my credit score?

No it will not hurt your credit score. Companies CAN NOT report you late till you have been late for 30 days.

OMFG .. Will this hurt my credit score?

According to Capital One policy, anything after the due date is 30 days late, as they calculate the days since the credit was received. It is possible that they may report it to the credit reporting agencies, which would definitely damage your credit score. Capital One reports every month, and are notorious for reporting even a few days late payment.

A zero balance is better for your credit score than carrying a balance, and keeps you from paying interest.

You can dispute the late payments if they do appear on the credit file,and they might even get removed. Or, call Capital One and claim you didn%26#039;t receive your statement on time. Ask for a supervisor if the rep doesn%26#039;t waive the late status, as a supervisor almost always will.

OMFG .. Will this hurt my credit score?

You will only be responsible for a late fee plus the current balance due. Capital One will only report it as late after your 29-day. Don%26#039;t do this again, the second time will be reported to the bureau within 24-hours after the Payment is due and they will consider it 30-days late even if you are not.

OMFG .. Will this hurt my credit score?

You will have a late charge and it probably will go against you on your report as one late payment. But that should go away pretty fast. I used to have late payments all the time because I was sending out the payments two days before the due date. I got my credit report a month ago, and it said on there that I have never missed a payment or had any late payments. I haven%26#039;t had a late payment in three years. So it goes away pretty quick. Just pay the minimum and the late fee, and don%26#039;t worry about it too much. Stay better on top of it though. Best of Luck!

I have the notorized deed to my home in New Jersey?

Does this mean I dont owe any money on the property?I mentioned this to a few people who own homes and they said that they dont have the deed yet as they are still paying mortgage paymets.I too am still making mortgage payments but I have the actual deed in my possesion now.Doesnt this mean I dont owe any money because I know for sure that if you finance a car you dont get the title until it is paid off

I have the notorized deed to my home in New Jersey?

The deed is the security agreement that ties the property to the Note. The deed is recorded, the Note is not. After the deed is recorded the original should be returned to the owner. The original Note and a Release of Lien is sent to the buyer when the Note is paid.

The reason you have the deed and still owe money is because in real estate, (unlike an auto purchase) the title is hypothicated. (you pledged the property without delivery of title)

Until you have the original Note, marked %26quot;paid%26quot; or %26quot;canceled%26quot; you still owe and pay.

I have the notorized deed to my home in New Jersey?

irrelevant.

at the county recorder, all notes

against properties sit. When the note

is paid off, the debtor must work

with the lender to have the note

show PAID.

AND in many states, [AZ and CA]

the driver still oweing money,

has a title that shows owner and

lender.

when the loan is paid off, the owner

must get the state office to remove

the lender from the title.

thus, a deed means legal right to

a property. NOT more, not less.

a lien--mortgage, note, means the

property is not DEBT free.

and in some cases, stupid people lend on a property and do not require

a county filed lien. That means

by law, that the owner does not really

owe any money on the prop!!

so, be happy when you have paid

off the lien and get the paid notice

from the lender and then, file it with the county!

till the couny has the notice and

files it, you owe!!

I have the notorized deed to my home in New Jersey?

Possession of the deeds, like titles, vary from state to state. What matters is the release of lien. You can have the deed of trust and in fact should have at least a copy of it so you can see what you agreed to, but there is also the note which is stating what you owe. The Deed of Trust/Mortgage is on file in your county clerks office, until the release of lien is filed the mortgagor still has a lien on the property.

I have the notorized deed to my home in New Jersey?

No, it does not. The deed is ownership, but you have a LIEN on your propety...that is the mortgage.

You can%26#039;t sell it without paying off the lien.

It doesn%26#039;t work the same as a car.

I have the notorized deed to my home in New Jersey?

You have the deed, because you hold title to the property.

As long as someone holds a lien against your property, you still owe money on it.

Is their anyway to go back and report something on my credit that didn't get reported?

I just recently found that the guy who financed my car did not report to the credit bureau. Is their anyway that he or I can go back and report it to help my credit score?

Is their anyway to go back and report something on my credit that didn%26#039;t get reported?

If its a dealer or lender, you can ask them to report it. You cannot add it yourself. If its a private loan, you are out of luck.

Is their anyway to go back and report something on my credit that didn%26#039;t get reported?

Probably not....but I guess it doesn%26#039;t hurt to ask.

Quick question about credit?

Okay I%26#039;m still trying to learn about credit.

So I have a Visa with a limit of $1000. Then I have a co-signed account with Leons Furniture with my Mom so I could buy a coach. That account is completly paid off (wasn%26#039;t late, not due until late February). No student loans or nothing (Paid with cash and worked during college). I got a leased apartment, never been late/NSF. Now does it look bad to have a credit card and on average I have between $150-500. (depending on what was going on that month). It%26#039;s always paid off at the end of the month (if not, it%26#039;s only something like $20). Does this still look bad to a credit company?

I%26#039;m just trying to keep my credit as clean as I can because I am aspiring to finance a car in the next year or so.

Quick question about credit?

Your credit score is based mostly on:

1. Length of credit history

2. Payment history.

3. Ratio of credit used to available credit.

4. Number of credit inquiries you authorized.

If you cancel your card, you%26#039;ll be hurting your credit ratio. (#3).

You want to deliberately keep your oldest credit card open, even if you never use it.

You want to always pay the minimums of each loan on time every month.

You want to keep your available credit high, but actually only have balances equalinig 25% or less.

You want to keep your credit inquiries to a minimum. Try for no more than 3 or 4 per year for any type of loans.

You do these things and your credit score will quickly soar into the 700s.

Quick question about credit?

Your credit should be quite good. As long as you keep your credit card below 25% of it%26#039;s limit then you%26#039;ll be fine.

Quick question about credit?

You should keep a low balance on your card. Below 30%.

Quick question about credit?

Creditors like to see a long history of payments. credit cards are good to have as long as you use them pretty much like you already are.also your income to debt ration is a big factor they do not want to see you owe more than you make. credit unions are good to have on your side as well

Quick question about credit?

it sounds like your doing great to me. just make sure you keep paying off your credit card and you will be all set. dont miss a payment because if you miss one then you will be all screwed up.

Quick question about credit?

Actually, I was always told that you need to keep your balance at 50% below the limit. Even if you pay if off every month, you still don%26#039;t want to max your card out. Your ending balance is what reports on your credit report every month. This is usually reported before your payment is due. It is not reflecting the fact that you pay off the card every month. If you can not keep your balance below 50% ask the creditor to raise your limit but do not raise your spending or you will be back in the same situation. I have seen my clients scores raise at least 30 points by doing this.

If I decide not take a loan after applied, my credits report will be afected?

I want to finance a car but I went to a dealer and the salesman told me that I need to apply first to know how much I have to pay monthly, because its depend of my credit report. If the bank approve me the loan but i have to pay more than I can pay, Can I rejected? If I can, that desicion could afect my credit report?

If I decide not take a loan after applied, my credits report will be afected?

It can affect your credit report. Esp if you go to a couple of daelerships. Dealerships may %26quot;throw%26quot; your loan out there to the credit world and your credit may be pulled by 10-15 companies. Do this a couple of times and your credit will drop 40-50 points. the credit companies also see this as you arent seriuos about the loan. Heck one time and it could drop 20 points. Best thing to do, Go get preapproved by your bank or credit union.

If I decide not take a loan after applied, my credits report will be afected?

You can always turn down a loan, but the hit to your credit report remains.

If I decide not take a loan after applied, my credits report will be afected?

Definitely good advice to go to your bank or credit union and get pre approved. You%26#039;ll probably get better interest rates.

Once you find out how much the bank or credit union will finance, check in the papers or online for what kind of car falls into your price range. Go to the dealer prepared.

I hate when you can%26#039;t get the car salesman to tell you the price of the car. They just want to know how much payment you can afford!

Is it possible to get any type of loan with a credit score of less than 500?

If so can you provide me with info or a website? Im in the east coast. I dont own property, and finance my car. If you can find any info I would be surprised frankly..lol

Is it possible to get any type of loan with a credit score of less than 500?

Its highly doubtful. You have no collateral, and if you are able to get one the interest rate will be outrageous. I would work on paying off debts to raise your credit score.

Is it possible to get any type of loan with a credit score of less than 500?

No I think the minimum anymore is 560. Sorry :(

Is it possible to get any type of loan with a credit score of less than 500?

You can always find someone to loan you money. But with bad credit the interest rate may be quite high. If you have a steady job and have had the same address for a few years, it should be doable. It also depends on what you are using the money for. A finance company might be willing to make you a loan for something like furniture for instance, but not a cash loan for something like a vacation. They can repo the furniture but not the trip.

Is it possible to get any type of loan with a credit score of less than 500?

only thing i can think of is and i do not advise it would be a pay day loan!!!!

Fraud on un secured loan by a relitve?

I have found out that my brother has taken out an unsecured loan in my elderly mothers name to finance a car for him self, however it would not have come to light if he had not failed to keep up the payments.

Fraud on un secured loan by a relitve?

Robert you are making a statement here not asking a question. Reread what you posted and add to it what you are trying to ask if you have a question.

Fraud on un secured loan by a relitve?

Read your question back to yourself and ask yourself: is this a question?

Fraud on un secured loan by a relitve?

Sounds like its criminal, brother or not.

Fraud on un secured loan by a relitve?

what%26#039;s the question? if you want to know what to do about it talk to a attonery. he can get into a lot of trouble for using your mothers name for a loan

Fraud on un secured loan by a relitve?

Oh dear! what do you want to know? Either he pays the debt or his mum does...or he knocks it does a runner and your old mum ends up with a bad debt in her name - sorry.

Fraud on un secured loan by a relitve?

He could do Jail time, most likely the only thing that will happen is your mother is going to have to go through hell trying to get the negative reporting off of her credit. The system really hasn%26#039;t evolved yet, it%26#039;s still stuck in the stone age when it comes to these things. Mostly b%26#039;cuz there isn%26#039;t any competition in the credit reporting business, they run a monopoly.

Fraud on un secured loan by a relitve?

It is a crime in most states to take out a loan in another person%26#039;s name, and if he forged her signature, he%26#039;s in for some hard times. You should report it to the police immediately since it may also be considered elder abuse. I hope the car gets repossessed - it would serve him right. Too bad it will hurt his mother%26#039;s good credit. Good luck!

Fraud on un secured loan by a relitve?

yes its fraud, what is your question?

Fraud on un secured loan by a relitve?

what you asking ???

Fraud on un secured loan by a relitve?

Take him to one side and kick the god loving c rap out of him. Then sell the car and give the money to Mum! just call me grant mitchell!

Please Help...need to figure out something for my cousin....?

This also bothers me as this cousin is very special to me.. She is 40 years old....married to a 40 y/o guy, they have been married for 20 years...they have two boys....19 and 18... My cousin earns more than her husband, she takes care of the finances...rent, car payments and bills. the husband helps out when he wanted to. he verbally abuses her....and yet when he is in a good mood, he treats her like a queen...and make her feel that she%26#039;s the most beautiful and smart woman in the world. When she pours out her heartache to me..i can always say i wanted her to get out of the relationship but she never did. i introduced her to chatting in YM and she met lots of friends...now her husband is getting jealous of all of them to the extent of e-mailing them nasty stuff. my cousin is not cheating and yet...she told me that she wants out of this marriage because he never trusted her, always belittling her..calling her names. Do you think she%26#039;s right that she wanted to divorce him?

Please Help...need to figure out something for my cousin....?

This is none of your business. She needs to do what she feels is right for her. The more that she is told to do something, the more likely she is to do the opposite.

She needs to maybe have some guidance toward a third party (her dr. or someone else that she trusts) that can give her an unbiased opinion.

Please Help...need to figure out something for my cousin....?

marriage is hard work esp a 20 year old marriage... u need to butt out and let the husband and wife sort it out within themselves...

Please Help...need to figure out something for my cousin....?

only your cousin can figure this one out. just be there for her when she does. Either way!!

Please Help...need to figure out something for my cousin....?

i am going to tell you something about abuse it hurts no matter who is or is not in the relationship persay i have been there trust me when i say she is right in feeling the way she does and sure she needs to get out of it but do it the right way and get divorced NO PERSON DESERVES TO BE TREATED LIKE A DOG ok bye

Please Help...need to figure out something for my cousin....?

best thing you could do is not get in to tis after all she has to make her mind up and reaally this is nothing to you in my opion?

Adding something to my credit report...?

I financed a car a couple of years back from a small dealership and paid it off. Since they don%26#039;t report to the credit bureau is their some way I can add that account myself?

Adding something to my credit report...?

It is possible. You will need a letter from the dealer stating the open and close dates of the loan, the payment amount and the term. Then they will need to say that you made your payments as agreed. This will have to be on their letterhead.

If you can get this? You can submit it to the credit bureaus and they will report it. The only thing that bites is they will only show it as a closed loan reporting the open and closed dates with a $0 balance. They will not report the payment history.

Adding something to my credit report...?

Not really unless you talk to them about it. There really isn%26#039;t a way to tell if your telling the truth or not when it comes to that kinda stuff. You would have to get the dealer you bought it from to report it.

I am a nanny, how can i get proof of income?

i get paid by personal checks, so i dont have a payroll check stub. i went to try to finance a car but they said that my personal check and nanny contract wasnt good enough proof that i work

I am a nanny, how can i get proof of income?

You must have an IRS number to register your business as a self employed nanny. Our just use your tax returns.

I am a nanny, how can i get proof of income?

I hope you filed self employment taxes last year. If so, you can use a copy of your tax return.

I am a nanny, how can i get proof of income?

you need a W2 to file Income tax, money earned under the table doesn%26#039;t show up to help your credit score.

I want to purchase a new Porsche Roadster?

I want a new convertible 911. What kind of FICO score do I need in order to be able to finance a car like this?

I want to purchase a new Porsche Roadster?

Your FICO will depend on your income and previous credit. Without knowing how much you are going to be spending I cannot even come close to knowing the score that you would need. Talk to the people at AAA, That%26#039;s the Auto Club. This is just about the best money you can ever spend. No more going to the DMV and free maps, travel assistance, good insurance and... discounted fleet prices for new cars. They will help you out with your questions and have current info that is not just guess work.

Remember, When you buy a new car you take and immediate large dollar hit. Think used and you can get a great deal and save yourself a lot of money. AAA will actually help with financing on used cars so you can go that way. I haven%26#039;t bought a new car for years. But... I buy a new car for me every year for my birthday. If you purchase used at the right price you can sell it for the same money or better the next year and find something new to play with. Good Luck

I want to purchase a new Porsche Roadster?

911. Exactly 911.

I want to purchase a new Porsche Roadster?

hey you have that much extra money to spend on a d@mn car, give me some.

Can i get insurance?

If I go and finance a car in my name is there any possible way to get the insurance in my dads name?

Can i get insurance?

The finance company isn%26#039;t going to go for that, and the DMV is going to have a hard time with that, too - the name on the insurance policy, the title of the car, the loan, and the registration (tags) must all match.

Can i get insurance?

You will need to have the car insurance in both of your names, because the finance company wants to see coverage for the car in your name, not only that but the DMV is going to want to see it covered in your name too because it is going to be registered in your name.

I have a question for all those who are correctional officers?

I just took the test for california correctional officer and passed now i found out that i may not pass the baackground check cause i have lousy credit is that true? I have quite a few collections but i was able to finance a car so it cant be all that bad let me know thanks

I have a question for all those who are correctional officers?

I made an appearance in front of the judge with 5 charges. His response to me was that I should apply for a job at the Prison. 1 of the charges amounted to a felony. It really depends on the desparation of their situation. Even though I reminded him of my charges he didn%26#039;t even blink. I also know from my lil brother that they hired a girl straight out of the nuthouse. Any place that would hire my X must be desparate for people, no matter the quality.

I have a question for all those who are correctional officers?

your credit should not matter its how responsible you are with your credit

I have a question for all those who are correctional officers?

I would not doubt it, people with bad credit are more likely to be corrupted because they are more likely to need money.

I have a question for all those who are correctional officers?

Yep, bad credit=debt=money troubles

Money troubles make it easier for an inmate to %26quot;help%26quot;you and give you a bribe for a favor etc.

Also, there is a buttload of evidence and personal property that you will be around to steal (theoretically).

Sorry for the bad news, just keep trying. Put in an application for every agency in the area and you%26#039;ll get a job somewhere if you really want it.

I have a question for all those who are correctional officers?

that is a requirement for just about all law enforcement jobs.you can have bad credit and still get hired. it just depends on how much importance they give it.---retired texas deputy sheriff---

I have a question for all those who are correctional officers?

its a definate disadvantage if your credit is too bad, because they would look at it like you would be easily swayed by some sort of payoff. the good news is that if you keep trying you will get there. i had some shaky credit after a divorce but it didnt stop me from starting in corrections and then moving into law enforcement later on. just keep applying and eventually you will find a spot.

APR? help me !!!?

OK, I AM A FIRST TIME DRIVER. SO I WANT TO FINANCE A CAR. WHAT COULDMY APR BE IF I HAVE NO CREDIT AT ALL?

APR? help me !!!?

With no credit at all, you might have a pretty wide range of offers but the %26quot;good%26quot; rates require good credit history. With no credit at all, you will never get 0% financing; you might get offers as low as 8 or 9% or all the way up to 20% or more. 3-5% is very good for a car note.

You will get a better rate if you open a secured credit card account and use it for 6 months to build history (assuming you never go over your limit and you make payments every month0. This will save you thousands over the life of the car loan!

APR? help me !!!?

The APR is an expression of the interest rate with all the cost rolled in to the loan. Installment loan have a nominal rate that is what your monthly payment is based on. The APR could be very high with NO DOWN PAYMENT

APR? help me !!!?

No credit, it will be around 12% to16%, get the loan under your dads name, so it wil be cheaper.

---------------------------------

http://www.bestcreditrates.net

I need loan advice!?

Help! I need loan advice!?

So I just finished college and my credit is average. Its been pulled a few of times over the last couple of months as I%26#039;ve been applying for a small loan ($3000) to help build credit. I applied online at US Bank and was denied so I called in to apply with a representative who told me I would qualify no problem. I didn%26#039;t. I%26#039;m not sure where to go to get a loan. Any ideas?

Additional Details

1 hour ago

I have student loans that I%26#039;ll start paying in a couple of months. I bank at US Bank so I thought that would be the most convenient route to get a loan. The loan is for a motorcycle. I can%26#039;t afford to finance a car because of insurance rates, but motorcycle rates are much lower. I currently have 2 credit cards and 1 secured credit card. All of these have $0 balance

I need loan advice!?

The first thing I would do is to get your credit report. The US gov%26#039;t passed a law more than a year ago allowing you to get it free once per year from each of the three agencies. That means you can get it free three times a year. Go to http://www.annualcreditreport.com/ authorized by the Fair and Accurate Credit Transactions Act (FACT Act).

Next, study it. You will see which entries are lowering your score. Too many inquiries from your credit applications will also lower your score.

In the meantime, you need some wheels. I did a little surfing on the Web for you, and did find a site that rates lenders for peeps like yourself that are being denied. Check it out at http://lendersrated.com/index.htm#car

Hope this helps you.

Leafgreen

I need loan advice!?

1st US bank is one of the most difficult places to get a loan so screw US bank it is founded on the upper class. Try Wells Fargo Financial... not the banks but the actually store. I am a assistant branch manager email me at sarahmn2006@yahoo.com. if you have any further ???

good luck!

I need loan advice!?

you can get a motorcycle loan at the website below with less than perfect credit

http://www.fast-auto-loan.net

I need loan advice!?

Try www.blankcheck.com. I used them 4 years ago to get a loan for a car and got reasonable interest and payments. If not open an account at a credit union and try for a loan there as CU%26#039;s are easier to get loans through and lower rates.

How do I get an auto loan with bad credit?

I am trying to finance a car but on my credit I have a few charge offs and a judgement. I would like to find a loan from a fianance company rather than going to a buy here pay here place can anyone help I live in pheonix Az. Thanks

How do I get an auto loan with bad credit?

You can ask someone to co-sign with you. Like a parent or spouse.

This might not be relavent to your problem, but you know you can drive a car for free in some areas of U.S.? You can get a free car that%26#039;s wrapped in a company-sponsored ad (if you don%26#039;t mind). All you pay for is gas and insurance. http://drivers.freecarmedia.com/home.cfm

Maybe you can drive this free car while you resolve your credit problem.

How do I get an auto loan with bad credit?

Auto Loan Guide: http://autoloans.autoloanassis... Report It

How do I get an auto loan with bad credit?

take a look at this place

http://wesayes.andycaine.hop.clickbank.n...

How do I get an auto loan with bad credit?

You can borrower $1,000-$25,0000 on www.Prosper.com

It worked for me and it could probably do wonders for you too!

I love this sight and I support it 100%

I started out as a Borrower and now I am a Lender.

If you want to see me and my already funded listing please go to the %26quot;lend%26quot; tab and under the %26quot;Seach Loans%26quot; tool, type %26quot;76240%26quot; and click %26quot;search%26quot;.

My borrower name is Ontherightpath22. I just want to prove to you guys that is really does work!!!

Email me with any questions. =)

Company Overview

Prosper, America%26#039;s first people-to-people lending marketplace, was created to make consumer lending more financially and socially rewarding for everyone.

The way Prosper works is intuitive to people who have used eBay. Instead of listing and bidding on items, people list and bid on loans using Prosper%26#039;s online auction platform.

People who want to lend set the minimum interest rate they are willing to earn and bid in increments of $50 to $25,000 on loan listings they select. People who lend can easily diversify using %26quot;standing orders%26quot;, which automatically make many small loans to different borrowers.

In addition to criteria commonly used by institutional lenders, such as credit scores, people who lend can consider borrowers%26#039; group affiliations. Groups on Prosper are critical to bringing people together for the common goal of borrowing at better rates. Groups earn reputations according to their members%26#039; repayment records. Groups with successful repayment histories should attract more lenders offering lower rates.

Borrowers create loan listings for up to $25,000 and set the maximum rate they are willing to pay a lender. Then the auction begins as people who lend bid down the interest rate. Once the auction ends, Prosper takes the bids with the lowest rates and combines them into one simple loan. Prosper handles all on-going loan administration tasks including loan repayment and collections on behalf of the matched borrower and lenders.

Prosper%26#039;s rigid privacy policy reflects co-founder and Chief Executive Officer Chris Larsen%26#039;s longstanding history as an advocate of stringent consumer financial privacy protection laws and practices. Prosper does not sell, rent, or share members%26#039; personal information with third party marketers. Prosper members are in control of how much personal information閳ユ攰f any閳ユ攰s revealed on the website and with other members. Prosper%26#039;s security and identity verification systems are state of the art, and consistent with those used by banks, brokerages and institutional creditors.

Prosper generates revenue by collecting a one-time 1% or 2% fee on funded loans from borrowers, and assessing a 0.5% or 1.0% annual loan servicing fee to lenders. Backed by Accel Partners, Benchmark Capital, Fidelity Ventures, and Omidyar Network, Prosper has raised approximately $20 million. Prosper%26#039;s marketplace platform is patent pending.

How do I get an auto loan with bad credit?

Try Capital One Auto Loans. I was shocked I got approved cause I have a few things on my credit report that don%26#039;t look to good. They approved me for 15,000. Hope this helps. Make sure you have a decent job and 3 refrences and will be able to make the payments on time. They want alot of information faxed before you use the loan check do it right or you will mess it all up. I applied online and got the check I believe 2 days later I was not even sure I was ready to do the loan in the 1st place but after I called them they told me it was a legit offer etc. Only thing is the rate kinda sucks but if you are in a bind like I was it will help

How do I get an auto loan with bad credit?

Try the below company

I'm moving to the USA. What will my credit score be?

I will move to the US to a long term stay under H-1B visa. First things I%26#039;ll do: rent a home and finance a car. How will my absence of credit history in the US affect my capability of doing them?

Additionally, is there a way to transfer a good credit history from my country to the US?

I%26#039;m moving to the USA. What will my credit score be?

It could be hard at the beginning.

1) Ask your employer for help with the bank on getting a credit card. That helps a lot for building a credit history.

2) If that doesn楹搕 work, ask for advice from the bank where they will deposit your salary. Probably they will ask you to a open a CD account. This type of account if very good for stablishing a good credit history.

3) About the car, i would advice you to buy a cheap and used car at the beginng. Going to the local university would give you access to good deals every year around June or July when people move.

4) and dude, please, please save money. Rent a cheap apartment, don楹搕 buy things that you wont use. If you loose your job and therefore your visa, you could be left with no money and huge debts. So be careful.

I%26#039;m moving to the USA. What will my credit score be?

DO US A FAVOR......DONT!

I%26#039;m moving to the USA. What will my credit score be?

The first thing you should do if get a %26quot;secured%26quot; credit card. You give the bank $1000, and they give you a credit card with $1000 limit (silly, isn%26#039;t it?), because you%26#039;ll need to establish a credit record as soon as possible. Having no credit history is often worse than having a bad one! If you can find a bank in the US that also operates in your home country. They may be able to %26#039;respect%26#039; your current credit history.

Good luck!

I%26#039;m moving to the USA. What will my credit score be?

If you don%26#039;t have one already a VISA, MASTERCARD, DISCOVER, AMERICAN EXPRESS these type of credit card will follow you to the USA and maintain, or if you don%26#039;t have them, establish good credit for you. IF credit is an issue...renting a home or financing a car, use your bank statements to prove your income and track record of good credit.

What's the most cost effective way to restore bad credit from bankruptcy?

I%26#039;d like to finance a car, but I don%26#039;t want to pay %26lt;20% interest or ask someone to co-sign. Should I bite the bullet for 3-5 years of inflated interest, apply for credit card or is there a better, cheaper way?

What%26#039;s the most cost effective way to restore bad credit from bankruptcy?

We were told to purchase a pre-paid credit card. As long as you keep up your payments for a year, that %26#039;deposit%26#039; you put down on the credit card will be credited back to you, then you have a full fledged credit card. just keep up your payments. :)

What%26#039;s the most cost effective way to restore bad credit from bankruptcy?

time is the only way to heal bankruptcy. another is your income level being high enough where a lender would try to do business with you. you can search for a lender yourself that specializes in sub-prime candidates. but i would not apply for credit at every business cause that would only bring your credit further down everytime you apply for credit. the most cost effective way would be to join a credit union, get friendly with the people working there, and as time goes by, you can ask the people about a loan. credit unions are lil more flexible without such outrages interest fees.

What%26#039;s the most cost effective way to restore bad credit from bankruptcy?

Bad credit is one of the worst problems to have... however there exists a solution.

I will hereby talk from my personal experience.

I did debt consolidation a couple of years ago, however If I had to do it again I would pay to some minor details,

if someone wants to get out of debt today it is pretty easy with a debt consolidation plan, however it may get a bit tricky at times, I suggest you get as much information as possible online on this first,

a good place to start in my humble opinion is astraight to the point ebook with question and answer I found :

http://umgarticles.atspace.com/debt-cons...

if it helps kindly remember me in your voting!.. cheers!

What%26#039;s the most cost effective way to restore bad credit from bankruptcy?

Why not save up the cash and just buy a car? The best/quickest way to repair credit is a %26quot;pre-paid%26quot; credit car (you give the bank $1000, they give you a card with a $1000 limit. each time you charge something and pay it off, your credit gets a little better.

But you would do well to recognize that most people with %26quot;real%26quot; money are driving the grottiest-looking cars. A car is just a tool to get you from here to there. True happiness is having no debt to anyone.

What%26#039;s the most cost effective way to restore bad credit from bankruptcy?

Buy a junker in cash. Tighten the belt.

Auto loan lawsuit, court summons arrived today. What now?

My mother (67) let my younger brother borrow her credit to finance a car. Well everything went well, until he was gunned down and murdered in Los Angeles. My mother fell into deep depression to the point were she%26#039;s still taking medication. Well sure enough the vehicle was repo%26#039;d and now she gets a court summons at her door, stating that she is being sued. My mom doesn%26#039;t work, hasn%26#039;t worked for a while because of her age. As a matter of fact she%26#039;s currently living under a section 8 housing develpment and recieves SSI as her only source of income. I don%26#039;t intend to justify the delinquent account and much less cause pitty, however my questions are: What will most likey happen? Will she get her SSI money taken? Will she go to Jail? I would honestly appreciate any insight and opinions. Thank you so much in advance.

Auto loan lawsuit, court summons arrived today. What now?

I think worst case scenario is that they would be able to obtain a judgement against her.

They cannot take her SSI, and I have never heard of someone going to jail for a default on a loan. It will be attached to her credit for 7 years, but she can file a letter with the 3 major credit bureaus regarding this issue. Basically, what happens is that they sue for the amount of the loan minus the amount the car sold for plus attorney and suit fees.

So sorry to hear about your brother, and good luck.

Auto loan lawsuit, court summons arrived today. What now?

You say %26quot;Basically, what happens is that they sue for the amount of the loan minus the amount the car sold for plus attorney and suit fees.%26quot; What if they did not deduct the amount of the car... do I have any le-way with asking for the amount to be lowered? Report It

Half a year of good credit history?

I got my first credit card in September of 06, and have since then tried to build up good credit.

I have, one Citi Visa, a Ohio State Savings Mastercard, and a Macy%26#039;s card. Each of them have been paid on time and are in great shape.

Do you think I will be accepted to finance a car around $8,000 with a good interest rate by September of 07 if I keep up the payments and all?

I have checked the credit bureaus and I am in good standing all the way around.

Half a year of good credit history?

You should have no problem I would have the dealership run your credit and they can tell you within a few minutes. You can most likely submit one online through there website and get pre - approved.

Half a year of good credit history?

I want to say yes but there is so much that I don%26#039;t know about your credit. Making payments on time is a good thing but nothing is said of the balances you have on them. Example. If you make all your credit card/department card on time but you have maxed out the cards, your credit will NOT be good.

The good ratio to stay under is 35% which is your total credit card outstanding balances divided by total limits of your credit card.