Archive for May, 2010

Who should I rent to?

May 16th, 2010
ms_melissa_martinez asked:


We have this scenario for class and I was hoping someone could help.

Sally, age 30 (unemployed, welfare recipient getting $2,500 per month in support; Reason for moving: lower rent at your complex; Number of people: two [Sally and child] Bad credit)

Andy, age 28 (self employed, wage $3,600 per month, verbal statement from Andy; new to area; number of people: 2 [friend will arrive later]; No credit report yet.)

Jack and Jill, both age 40 (Employment: only Jill employed, City Employee, wage is $6,000 per month [has pay stub]; Reason for moving: larger apartment; Number of people: 5 [Jack, Jill and three children]; Credit Report: Late payments on several accounts)

Charlie, age 35 (Employment: Lockheed Martin, wage is $5,000 per month, unverified; reason for moving: does not like present property manager; Number of people: one; Bad credit and bankruptcy)

Which one should I rent to and why?

The rental rate is $1,200 for a one bedroom

Mathew

Posted in Renting & Real Estate Tags: , , , , , , , , , , , , , , 3 Comments »

Help with credit? I have some bills that i am going to start paying on in order to fix credit?

May 15th, 2010
I LOVE MY BEAUTIFUL MONSTER asked:


I need to know what shows up on your credit report?
When i as 18 i was an idiot and got a place with my best friend and i got the cable and electric in my name and i didn’t pay the last months bills for the last month we lived there. I also have 2 medical bills and i owe National City Bank 150. in overdraft fees from three years ago. Three years ago i got a car which was from a buy here pay here and they said they didn’t mess with credit unless i needed a referral from them, but i never paid the last 400 because the car broke down on me before i had it for a year, i paid over 3000 on it though like an idiot so i didn’t knowif that would appear or not. I am going to call tomorrow and start making payment plans with the four biggest places i owe, i am doing this because i have a daughter and i love her and want to have a stable house for her to live in by the time she is in school..
Is there anything i can do to help get myself out of this mess after i pay the places off? What can i do to build credit?
Also do you have any idea how much it will cost me to get a verizon wireless phone in my name? Like down payment wise? In all i think i am in debt $ 500- $700 dollars, and i happened to forget that i got into a wreck w/o insurance two years ago and owe $2600 i go to court on the 27th for it, is there any way to get that amount lowered?
I do need a cell phone due to the fact i am going back to work when my daughter is 10 weeks, thank you. Most people i know are in far worse debt than me and have NO expectations of clearing it. I am only 22, so why be rude and not answer any of my questions?!?
Thanks to the first two answers!!!!:)

Sharon
Posted in Credit Tags: , , , , , , , , , , , , , 4 Comments »

The Benefits Of A Free Credit Report In The UK

May 13th, 2010
asked:




Joel
Posted in Manipulative Practices Comments Off

If my landlord never sent me to court or got a judgement against me, can they put an eviction on my record?

May 12th, 2010
Akrc asked:


I vacated the property before ever seeing a three day notice and was in the first month of my lease. Even though I have never seen a subpoena or even received court papers or even contact. After two years they have shown up on my Credit report. Can they do that even though they did not get anyjudgement on me? I did not even sign an arbitration agreement.

Tanya
Posted in Credit Tags: , , , , , , 4 Comments »

Free Credit Report – Get Your Free Credit Score And Report Online

May 11th, 2010
asked:




Stacy
Posted in Graph Tags: , , Comments Off

I want to purchase another car but my credit is weak.(follow up.more info)?

May 6th, 2010
Renata D asked:


The car I have now is a 2005 it was a demo, I bought it about 18 months ago, the warranty is about to run out next month. One of the salespeople suggested that I keep it for about 18 months and get rid of it…because my credit was bad I was stuck making high monthly payments…I made all but 2 payments on time and I recently as of three months ago paid off all but one credit card off. I closed those accounts and according to my credit report..my credit will eventually be fair…I really don’t have much time to wait because my warranty will end next month…So I was wondering whether I might end up paying less of a monthly payment than I was before…my trade in has low mileage like..21,000 and its a 2005….

Darrell
Posted in Credit Tags: , , , , , , , , , 4 Comments »

Credit Card Question?

May 6th, 2010
john_a_monaco asked:


My main card is an American Express Platinum charge card. I just did a product transfer from my Chase Freedom to a Chase Sapphire. Is the Chase Sapphire any good? I stayed away from Visa Black due to the annual fee and only really get a Priority Pass membership, and my wife’s Citi card has that. Which would you prefer Amex Platinum Charge or Chase Sapphire? And I do pay my balance in full, unless I travel and I just use the Sign and Travel from Amex.

Also, I need to cancel some of my credit cards. I know people will say that lowering them will reduce my limit to avaiable ratio, but it will only lower it for like two months and I don’t really care.

I only want three cards. I currently have an Amex Plat, will not get rid of. A Chase Sapphire on the way. A Bank of America Visa Signature ( http://www.askmrcreditcard.com/bankofamericavisasignaturewithworldpoints.html ) A Discover Open Road card. A Navy Federal Credit Union, Mastercard. An American Express Blue. A Citi Platinum Select.

And I only want three cards, and the Amex Platinum will be the others. I have another card that was my parents and still shows up on my credit report and my Amex Platinum, Discover, Amex Blue are all opened in 2007. The rest were opened this year. What is the best choice. And the Chase Sapphire, I haven’t recieved yet is supposed to be a World Mastercard. So I was thinking of keeping the Chase Card and the Bank of America card. Or should I just keep all and don’t use?

Dorothy

Posted in Credit Tags: , , , , , , , , , , , , , , 2 Comments »
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