Six Degrees of Crayons

Six Degrees of Crayons, a discussion about color and connections in our current political environment and divisive societal culture.

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Can you tell me how to check the free yearly credit report from internet?

I need my free yearly credit report from the major credit agencies. I have heard that a law was passed and all agencies were to provide a persons credit report free once a year. I have encountered several websites claiming to be free but there are none that i have yet to come across. How to get my free credit report.

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Am I able to purchase a car at the age of seventeen in the state of Pennsylvania?
I work two jobs, and with both I bring home about $900-$1000 every two weeks. The car that I have now is pretty run-down & I m looking to purchase a newer one. I went to J.D Byrider and they said that in the state of Pennsylvania, that you have to be 18 to legally purchase a car. I thought this was completely ridiculous, seeing that I KNOW I could afford monthly payments of atleast $400 on a car — leaving me with money to pay my rent & bills. I called some woman (honestly, forget who.. i think the secretary for the mayor in my district) and she said that I was able to purchase a car at my age. I just want to know .. Am I legally able to purchase a car at 17? If I can, how to do so? If nobody knows, who would I be able to contact to ask? Or if I was emancipated, would I be able to do so? I m so completely desperate to get a new car because that s how I get to and from both of my jobs. Somebody PLEASE help me out!!””
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“”If the int. rates are the same & both are tax deductable, should I pay off a 30K Auto Loan or 30K 2nd Mort?””
Update: Yes, in-deed, as I stated in my question, the auto loan IS set up to be tax deductible against equity in my home. Also, both assets and loans are already obtained, therefore paying off the house isn’t going to help it appreciate, and paying of the car isn’t going to stop the depreciation on it.””
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Chapter 13 Bankruptcy?
I’ve never owned a house let alone applied for a home loan yet my credit report states that I have a bankruptcy disposition (C, CH-13 Filed) on my potentially harmful information section of the credit report. I know my past landlord was going through foreclosure and eventually lost the house and filed bankruptcy. Is it possible for my landlords bankruptcy to show up on my credit report? I also would like to know how I’d get off my credit report. I””
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How do i build my credit score ?
i am a disabled vet. living on 100% disability . i have been denied the right to own a home , a motorcycle , even get a loan. we do not finance disabled vets because we cannot trust you to make your payments. i had to file bankruptcy 2 yrs. ago because of those words . i do not know what to do any more my wife and kids deserve better from those i protected for over 20 yrs.””
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How far ahead can I post date a check?
Ahhh thanks for clearing that up. I’ve done it with like car payments online, wasn’t sure about retail.””
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Home Loan — Second Sale in Blood relation (Which Bank)?
I want to sell my Home (in Mumbai) to my brother (blood relation). As I have shifted from Mumbai to Pune. My Brother wants to take Home Loan in this deal (Second Sale in Blood relation) Which Bank will give him a home loan? Please give me any contact number for home loan person (Mumbai)?
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Is there any way to find out if I have credit or not?
My credit is via my cell phone.
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Do I have to file foreclosure if I fail to pay a mortgage?
In Arizona you cant be sued for a deficiency balance…and I only have a first mortgage. Is it necessary to file for bankruptcy?
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A question about getting an interest bank loan. Halal or Haram?
If the whole thing was up to me, I wouldn’t hesitate applying the loan with them in order to feel good when standing infront of Allah in the judgment day ensha2allah. But sometimes it’s not a one person decision, and others can’t see that this is a reasonable solution and prefer being in the forced by necessity”””” place and accepting the bank loan than the Islamic organization.. Would you read the following link that has a similar answer for my question by a council of Fatwa””
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Collections and credit report question?
I had a credit card in 2007 when I was 18 and decided I didn’t have to pay for it. Long story short, I found out who the debt is owed to and they wanted 1700 for a previous 500 debt. I talked them into two payments totaling 1400 but I’m not satisfied. They are sending me a settlement letter however I am wondering if I should send them a certified letter to prove the debt before paying. I also want to get it removed from my credit report so should I send them a pay for delete letter first. I need advice on how to proceed to have the best outcome and pay the least money since I think the amount they will settle for is ridiculous. Thank you””
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Are home based / internet jobs true? can anybody share own experience?

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I’m 19 yrs old. Will I qualify for an auto loan without a cosigner?
Hi I need to know if I’ll qualify for an auto loan without a co-signer. The car I want is a used Toyota Camry approx. $15,000. I’m 19, my score is 720 and I make very good money but I have only been working for about 2 months at my current job. I’m completely on my own and do not have a co-signer. What are my chances of qualifying for a loan without a co-signer. Should I do it through the dealer. Will I have a good interest rate?””
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What is the best way to combine mortgage and credit card debt?

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Credit report debt question?
Ok, so I need some help, and dont quite know how to go about solving my problems with debt. How can i figure out who i owe with out getting a credit report. is it possible. Like can i go to a bank or something and find out or what. I mean, i only owe the bank, a few hospital bills and a phone company. maybe some other things i dont know about. also, what is the site that you get a truly free credit report once a year, with no credit card/ membership needed. I did try to to that once and never got the info i requested. Please Help; lol, getting old, and need to solve these issues soon, so i can move out of parents house, get own place and get a bank account again. Thanks.””
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PSP
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If i file for chapter 7 bankruptcy?
Can I keep my vehicle if I am still paying on it?
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Auto Loan Refinancing?
I am looking to buy a new car with my wife co-signing. My credit is horrible and won’t be able to get a loan without her help. The questions are: Will a year or two of paying the car loan payments with no missed or late payments plus keeping all other credit payments on time build my credit enough(generally speaking) to eventually re-finance the car in my own name a year or two down the road. Also, does this sound like something that can happen or does happen a lot, re-financing without the co-signer a year or two down the road? What does re-financing entail, fines, etc…?””
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How do you get a credit report without useing a credit card?
im trying tro get a credit report for someone but it says i need a credit card and i dont have one so how do i get one off the web without one
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“”Best credit card for students with no job, but have income. And want to build credit?

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What credit score does Capital One usually require to approve a new auto loan?
I live in Texas and am looking to purchase a new vehicle in January 2012.
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Should I contact the three credit bureaus?
Does it effect my credit score to warn the credit bureaus not to open lines of credit in my name because I am worried about fraud? I have received calls from scammers, and it is eerily scary how much info they know about me when they call. Since the whole issue of credit scoring being unfair and outlandish, I am unsure if warning them to protect my credit from a stranger creating credit under my name will make the bureaus ruin it in return. What a crazy world…””
“Can you tell me how to check the free yearly credit report from internet?

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Does anyone know a reputable online payday loan?
I need to borrow 150$ and I can pay it back in 8 days. I need to survive. Does anybody know of an online payday loan that will not steal my identity or charge me way too much. I would pay back 200 if I can borrow 150. Thank you
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Has anyone ever received a loan from Better Choice Financial? How can I tell if it is a Loan Scam?
Has anyone ever received a loan from Better Choice Financial?I have bad credit and have qualified for a loan from Better Choice Financial.I have also recieved a letter of guarantee.I need to pay a brokers fee before receiveing the funds.The loan is coming from Canada-RBC Financial-a 3rd party lender.How can I tell if this is a loan scam?I expressed my concerns with the loan officer-and they have said for me to take the approval letter and letter of guarantee to a lawyer-have it checked out.I have not done this as of yet.Should I worry since they are suggesting to go to a lawyer? I have also looked on BBB for Better Choice Finanaical-and have found nothing negative;however,they are not an accredited BBB business.When I told this to the loan officer-when I expressed my concern of a loan scam-she had said I was suppose to look up the actual lender on BBB.Is this true?Since it is 3rd party,I don’t know if RBC Financial can help me.Is loan coming from RBC Financial or person.Please advise””
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Is 689 a good credit score im 27 yrs old?

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How long before I can purchase a home after a Chapter 13 Bankruptcy?
If I was to file for Chapter 13 Bankruptcy, how long would it take for me to be able to purchase a home with FHA. How long will it take before creditors approve me for credit. Thank you””
Anyone ever used a payday loan?
I need one really bad right now. I have bad credit, and I need money FAST to pay bills. Please tell me what is the BEST company in the U.S for these. Have you used them? What is your experience? THANKS A BUNCH!””
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How to raise my credit score?
i checked on the annual credit report and it didnt say who the creditor was. just that the account was charged off 2 years ago. I can wait a month and buy the car for cash but i really want to raise my credit score. I want to just put 8k down and finance 8k so i can get some recent credit on my report, with my girlfriend cosigning who has a credit score of 650. Is there a bank that would accept that?””
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Bankruptcy’s affect?
Thank you for your replies. I’m sorry I was unclear in my post. My spouse and I filed under the previous law, as we wouldn’t qualify under the new law. We are in Ohio. The challenge now is (1) several companies are ignoring the discharge and keep harassing us (2) Our discharge came through so quick that we didn’t have time to negotiate reaffirmation agreements (3) Ways to rebuild credit. Before filing we had an excellent credit score and had never been late on payments, etc. Not the typical filing. Thank you fr your assistance!””
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Does financing a used car through any place build your credit?
i’m just starting to build my credit. i have a store credit card and a regular visa credit card. i’m not too familiar with credit and what goes on your report but about a year and a half ago I financed a car through a little used car lot because i didn’t have credit so no one would approve me. It was financed through mid atlantic finance or something like that. i was wondering if this goes on my credit report and raises my credit score. also does it raise your chances of getting approved for a new car when dealers see that you’ve paid off a car before? it wasn’t that expensive (about 4500) but does it still look good?
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When someone with a car loan dies?
If you have a car loan and it is half paid off (or even 3/4 paid off) and then you die what happens? I know the car still belongs to the bank but…Do they take back the car? Or do the relatives of the dead person get a chance to pay off the balance and keep the car? You can’t put a car in your will if you are not the owner. (If you still owe a balance on it.) Do the surviving family members always get a chance to pay off the car and keep it or will the bank always take back the car? Exactly how does this work?
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What are the true benefits of filing bankruptcy (chapter 7)?
I may begin the process in the very near future. Any advise would be greatly appreciated. What are some good questions to present to my lawyer? Any other major concerns that I should be aware of?
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What’s the cheapest yet best way to file for chapter 7 bankruptcy?
Some one advised me that you could go to court and they have a particular department which guides you through the filing process at a very low cost. But cheap isn’t always the best but I also contacted several attorneys and the going price is $1,500 or so. Any advice?””
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“”If I file for bankruptcy, Can I file as single if I am married ?

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“”Car Loan, Deceased Buyer and I am Cosigner?””
I bought a new car last July. My father cosigned on the loan, but since his credit was better than mine the dealership listed him as the main buyer with myself as the cosigner on some documents and myself as the main buyer with him as cosigner on other documents. They said this would give me lower payments. The car is titled and registered in my name only. My father passed away last Thursday from an abdominal aneurysm. It was extremely sudden and he had been very healthy prior to this so the possibility of him dying was something we had never considered. In the confusion, I forgot to make my car payment on time. This was the first and only time that this has happened. The loan holder called my mom and, trying to be helpful since she knew that someone asking for my dad and then me had to be the car folks, she told them Oh””
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Need a 2500.00 loan 36month pay off credit score 620?

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Can I still recieve financial aid 4 college?
I have various loans that are unpaid such as internet loans and payday loans that I am unable to currently pay back due to my financial situation, can these unpaid loans prevent me from recieving my financial aid package for college?””
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What site do you go to to find your credit card info on a mastercard credit card?

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Need help with a auto loan amorization calculator?
Timothy- yes I stated I pay 250.07 a month but I have 2 different riders on it. one is a disability rider and then I have another rider on it. if I didn’t have those added on i actualy pay $225 and some change on my loan the difference is those 2 riders! Also my loan officer is the one who gave me my interest rate of 8.25% & I came across my paper work and it also states 8.25%. So now I just need to know how much extra to pay on my loan!
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Where can I buy mortgage notes online aside from LoanMLS.com?
Where can I buy mortgage notes online aside from LoanMLS.com?
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Does having an auto loan for only 6 months help or hurt my credit score?
I’m a year or so into rebuilding my credit. I have a few revolving accounts I am doing well with. I am about to take out a student loan. I was going to buy a used car outright soon. Instead, I am thinking about taking out an auto loan for a newer used car for the credit benefits. However, I will probably only need the car for about 6 months. If I sell the car, thereby canceling the (I assume 5 year) loan after only 6 months — will this still help my credit or will it hurt it? Also, though I don’t really need it beyond 6 months, I could use it for say a year. It’s always possible but unlikely I would need it beyond that (live in a city). I would consider the year if that made a big difference. That may seem extreme but I would like to buy a house in the next couple years, and am working hard to build good credit. I have googled around, but have yet to find an answer to this specific question. Thanks much.””
“Can you tell me how to check the free yearly credit report from internet?

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Can you file for bankrupty while being threated by a lawyer with court action?
I have just recieved a letter from a laywer stating if i don’t pay the balance of a old accout he will take me to court. well i ‘m not working right now and have offered to pay ten dallars a month until i find work. can i declare to keep him from sueing
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How much would it cost to file Chapter 7 Bankruptcy?
I live in Mo.
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Is Bankruptcy my best choice?
My husband and I have a home with and upside down mortgage. I lost my job in August of this year and up to this point have been able to make the payments. Nothing is behind yet. We have significant credit card debt. My savings is going to run out sooner than later. When that happens we will likely fall behind. Mean time, I am still job hunting. I appreciate your advice, need answers””
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“”Can a Co-applicant to a home loan, not a co-owner, claim HRA benfit?
I need to know if I can get HRA benefit while being a co-applicant on a home loan. I am becoming co-applicant just to increase the loan limit of the loan taker and I would not be the owner or co-owner of the property.
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Can I afford an cadillac escalade ?
I make a little more then 2,200 a month & I really want an escalade 02–04 I’ve seen them for 9000–12000 but idk if I could afford it I want it as my weekend truck since I already have a fuel efficient daily driver. I’m ready too put 2500 to 3000 down the most. I’m 19. Either an escalade or a 03–05 g35 coupe. And I checked I qualafie for a 8000 dollar auto loan Oh and I don’t pay any bills I live with my perents In a separate back house. I only pay my expenses like gas food phone bill that’s it! Does anyone of you own any of these cars ? Specially the escalade ? Any heads up ?””
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Is quoted rate and APR same?

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Can u claim bankruptcy if you just spent all your money on frivolous things?
My friend has a decent paying full-time job. Over the last couple years, she’s been spending like a maniac…. designer clothes, drives a BMW, tanning, nails done, hair done, lavish vacations, etc. She has charged up a ton on credit cards and hasn’t been paying them. She’s about to lose her house, her car, and creditors won’t stop calling. She told me she’s gonna just claim bankruptcy. Can she do this just because she blew her money on unnecessary stuff and didn’t pay the bills? It makes me upset because I work full-time, drive an old car, and struggle to pay my bills while NOT buying new clothes, getting nails and hair done, etc. Can she actually claim bankruptcy in a case like this?””
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“”Capital one charge off, payments agreed, still showing as past due.?””
During a separation, my wife stopped paying the C one CC. They sent it to charge off””””. Here is the problem. I called up after finding out after 17 years of good credit with this card””
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How does a minor check their credit history?
Uh, yes I do have a history. I looked up Experian’s already and I have something added to it, which isn’t correct since I am a minor and it shouldn’t be on there. Duh. So therefore, I have a history. And kids can get histories. Like how people open credit cards in their names and make their own history for them.””
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“”$ 10,000 loan needed A.S.A.P.!!!?
long story but i need a ten thousand dollar loan before the end of this month!?
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Serious advice on my only option now of bankruptcy.?
hi guys, i really need good extra advice here…….. i have got debt of 14,000 which at the moment is been paid by token payments to each creditors of 1.00, which is fine at the moment as i seriously cannot afford anymore, i have been through the debt companies paying them so much a month, but that just didnt work, i seeked help from the citizens advice bureau, and they suggested the token payments of 1.00 to my creditors due to my low income, he also stated bankruptcy as a very last resort…….but now i am wanting to go back to work, but am really worried on how it will stand with the creditors taking more off me. I know my debt is my own fault, but seriously need to start again somehow without the worry of how much would be taken off me if i went back to work, i was actually told it would be better if my creditors would bankrupt me, but they are not doing, and obviously i dont just totally want to stop paying anything cos they would take me to court, and i dont know the outcome””
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What caused the 2008–2009 recession? Who caused this? Why?
Its a homework assignment… can anyone help? i know it had to do with our banking system and other things investing companies but im not all the way sure what really happened.
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Auto Loan for bad credit possible?
I want to buy a Nissan Cube in the next couple of weeks. I have $6,000 to put down and the car will be around $20,000 I tried to get a auto loan from my bank and I got denied. My credit score is 601. I have no debt, I paid everything off 2 years ago, no major credit cards (bc my credit is so bad I can’t get one), I make $60,000+/year so I can afford it. My debt was no more than $3500 and I have never owned or rented a house. Is there any place that I can go in the Houston, Texas area that will approve me with a not so high interest rate? Thanks in advance. It wouldn’t be such a big deal but my current car is hanging by a thread and will cost $1500 to fix and I refuse to put that much money into it again.””
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With a credit score of 610 could I get a decent credit card?
If so, who would you recommend trying? Thanks to answers.””
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How long do u have to wait till you an do bankruptcy a second time?

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Does anyone have a reliacard?
I get one from the state for child support and i need to put money on it but idk how i could do that or if i even could?! I asked this already but no1 is answering it….
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How do I file for bankruptcy in Arizona?
I live in Arizona and I know that there are some special considerations for filing bankruptcy in the state. I have no idea how to navigate all of the paperwork and I don’t want to mess something up — does anyone have any advice on where to start?
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“”What is the purpose of having Good”””” credit or credit at all?””””

“Can you tell me how to check the free yearly credit report from internet?

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Thinking about buying a new car from a dealership?
New 2008 VW Beetle? I have decent credit. I how much do you think I would have to put down? I’m 100% I’ll be approved. About $1000.00 — $2000.00? Also whats the cheapest payment plan per month do they have? $250.00? I’m new at buying a car out the dealer. Any advice? I’m going to set up an appoinment with a administrater from the dealer but I’m too excited to wait for that day, so I want a quick run down on everything I should know. Thx!””
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Who is the prime minister of india current?

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Auto loan approval???
how long do you need to be in a job before qualifying for an auto loan? if you only have fair or good credit history.
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“”If mortgage is not in my name, can bank come after me?””
UPDATE: Probate was most certainly settled properly. Under Federal law, a child who inherits a house DOES NOT have to refinance the house. They can simply continue making payments. I had a very good estate lawyer, and this was never in question. Probate is absolutely closed, and the house has been dealt with 100% in terms of the probate process. For all you people who say otherwise, please get a law degree or do some more research.””
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Can I claim bankruptcy for a bank loan?
Im in debt for $35,000.””
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Is it possible to transfer an auto loan to another person?
Edit: Bottom line I do not want to pay for the car anymore.
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“”Are these payday loans”””” that are online real? It seems like a scam to me. And will u get it the next day?””””

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Can you keep your car if you file for bankruptcy?
If your car is valued at twice the cost of your debts and the car is paid off then what will happen if you declare bankruptcy? The car was not used as collateral but it is an asset and it’s the only car used to get to work. Would it be better to just sell the car now before declaring bankruptcy? This is based on California if that matters. Thank You, Dan””
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Bad Credit?
Has anyone on here ever had really bad credit? If so, where did you begin rebuilding it and how long did it take to build it back up?””
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Help me decide bankruptcy or not?
Me and my husband have accumulated debt together about $20,000 he is not working and has been unable to work and now gets social sec. this is the reason for this debt. Since things clear off your credit after a 6–15 years most will be clear with in the next 3 years. We are thinking bankruptcy but were just not sure either way it will be on our credit we just want to be debt free get a house and etc like others can do. any advice?””
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I have a chapter 7 bankruptcy that was discharged?
I have a chapter 7 bankruptcy that was discharged in 2009 april….i have a company who is now trying to collect their debt that was discharged….they have even put it on my credit and I was actually denied a car loan due to this debt…..can I do anything to them legaly…ie…sue them or somthing and it should be their resposability to fix this on my credit right.
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Does USAA online auto loans require proof of income?
I applied for a USAA auto loan and I got approved. (I’m only 18 so I’ve never done this before) I filled out the online paperwork and it says I’m all set to buy a car. I’m the beginning it asked me how much I made but never asked for a verification. Will I be asked at the dealership or do they just go by word of mouth. If I do need to bring proof of income what do I bring? Two pay stubs or is one fine?
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What would be another alternative beside filing for bankruptcy?
I am unemployed looking for a job and owe over $60,000. I am desperate.””
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Do credit cards have caps on interest rates and fees?

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Is insta loan a scam?

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Is it true that i am entitled to a free credit report yearly?

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What is the best auto loan online they have for people with bad credit?

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Where should I get a mortgage after being unemployed for over a year?
I’m having trouble getting a mortgage after being unemployed for over a year. I have been back to work for over 7 months now. So far the banks have been telling me I need two years of work before I can really be eligible. After reading online, some people have been saying I should be able to get a mortgage, without a problem, from 30 days to 6 months of employment. Anyone know of a bank that will loan to someone who was previously unemployed? FYI I have excellent credit.””
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“”If i go to my bank to check my credit score, do i have to apply for a card, or can i just request the score?

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How long after you pay off a current debt can you get approved a loan?
I am planning on buying a used vehicle and I applied for a loan. My bank denied my loan saying I had a current debt on my credit report. I know my credit score is good enough to be approved for the loan, it’s 650 and the loan is about $17k. Since this is my first auto loan the dealership won’t finance me unless I put more cash into the down payment. I had a look at my credit report and it said I had a $300 debt from an old cellphone bill with Sprint. I know this is correct I just didn’t know how to get in contact with the collection agency, I called Sprint but they never got back to me and the letter I received from the collection agency is long gone. Long story short the credit report gave me their information so I’m completely willing to pay the debt off right now. When I do pay it off though, how long do I have to wait until before the loan can be approved? I’ve heard it won’t be removed from the system for atleast 6 months but I can’t wait that long for the loan. I’ve also heard that you can get a ‘fully payed receipt’ to show to your bank for the loan but I don’t have a scanner and my bank is fully online. I just need to know to see if I need to start looking into alternative means of purchasing the vehicle. I’m fine with giving a higher down payment or finding another place to get the loan from, but if I can get my loan from my bank I prefer to do that.””
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How can I get a $600 loan by tomorrow?
I’ve been posting a lot on this one lately. I’m trying to find a decent, trustworthy payday loan site and have found a bunch but none that seem to want to lend to me. I have met the income requirements and have no outstanding payday loans, no idea why I’m having so much trouble. I’ve checked out some of the recommended site that people have shown me with no luck. Now I’m really stuck and I need $500-$600 by tomorrow or I’m going to end up in a really yucky situation. I can’t ask any friends or family for help and under other cirucmstances I wouldn’t even consider one of these loans but I’m in a bind. Help, I need advice!!!””
“Can you tell me how to check the free yearly credit report from internet?

Six Degrees of Crayons

Can you tell me how to check the free yearly credit report from internet?

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