In the past I neglected to pay my credit cards. So I was sent to a collection agency.?

Since then I have paid off my debts. I now have good credit, but when i applied for a car loan I was denied. The bank told me it would stay on my credit report for seven years. Is there anyway I can get around this?

In the past I neglected to pay my credit cards. So I was sent to a collection agency.?

well you can always try to dispute the collection accounts. If that does not work then the collection accounts will remain on your credit report for 7 years. that suks huh

In the past I neglected to pay my credit cards. So I was sent to a collection agency.?

Doubtful, most debts even if theyre paid off, stay on your report for seven yrs. My fiancee has a $24,000 debt on her report and that was from back in 2004.

In the past I neglected to pay my credit cards. So I was sent to a collection agency.?

The bank wasn't lying...those slow payments will stay on your credit for seven years. you can dispute the reporting with your credit card company, and they may work with you, but this is unlikely.

In the past I neglected to pay my credit cards. So I was sent to a collection agency.?

There is no way around it, like you said and everybody else said it wll stay in your credit report for seven years, sometimes it will stay there longer than that depending what type of loan you're seeking. So now you know, be punctual on your payments, because it will affect you and your credit. In the future you would want your own house and they (lenders) will dig up and find out everything that happened in your financials. Been there, done that!

Can you help me find links on what are the best on line schooling is. I want to further my career in

i want to take some on line schooling to become a certified teacher. and am unsure where to start or which site to trust. is there also ways that i can apply for grants or loans to help me thru the cost of my education.?

I have always enjoyed working with children and i have tutored many small children to give them a better start. I have worked in childcare and have taught 4 year olds class. i also subed as a kindergarden helper when youngest child was in school. I really enjoy working with children and i believe it would be a good carrer for me to get involved in and have a good future.

I am thanking you in advance for all you help . THANK YOU!

Can you help me find links on what are the best on line schooling is. I want to further my career in teaching

There are three ways you can do it:

1. This is the easiest, study a CELTA/TESOL course, which takes about 1 month, and become an English as a second/foreign language teacher. This qualification is sometimes not enough on it's own, in certain countries, so you may also need a bachelor's degree (in any field).

2. This one is medium, have a look at becoming a Montessori teacher at:

http://unitedmontessori.com/

This course takes a year to complete, but can be done in your schedule, as it's a distance course.

3. The longest, study for your B. Ed. That takes three years, then you may also need further qualifications depending on the age of students, level and subject(s) you wish to teach.

Each of these has it's own pros and cons. ESL/EFL is good if you want to travel, but not if you intend to stay or live in an English speaking country.

Montessori is quite a specialist job and market. You would only find work in a Montessori school, but there are quite a few around.

The 'real' teacher option can be very emotionally rewarding, but it is a lot of hard work to get a job in a field that doesn't pay well and is unbelievably stressful. If you are considering this last option, have a really good re-think about what you can see yourself spending your working career as (i.e. could you survive the stress and frustration of being a teacher?).

I wish you all the best with whatever you choose, but choose wisely!

Internationa Student needs help in finding financial assistance for studies?

I am a student from zimbabwe, i have been accepted for a masters degree in USA, problem is i have tried everything there is in seeking financial assistance,but i haven't been lucky. Guys this means everything to me,, if anyone has suggestion, sources i can use or any help please give me. I have tried applying for a graduate loan but they say i need a US c-signor,,i know no-one from USA what can i do..

Internationa Student needs help in finding financial assistance for studies?

Please check with International Students on the web www.iefa.org see below! Good Luck

Source(s):

http://www.salliemae.com ( For student loans)!!!!

http://www.iefa.org -------%26gt; International Students on the web %26lt;----

http://www.about.com ---%26gt;Great search engine and information site for everything %26lt;---

http://www.ed.gov/index.jhtml --%26gt; Dept. of Education for any questions%26lt;--

http://www.fastweb.com

http://www.gocollege.com

http://www.collegeboard.com

http://www.scholarships.com

www.walmartfoundation.org

Please go to the Department of Education for more help and a list of student loan foundations.

Internationa Student needs help in finding financial assistance for studies?

Do anyone there need financial assistance?

We are a company of young,experienced and dynamic professionals,continously drvien by a vision to offer very competitive and satisfatory financial/loan services to our clients at all times.

E-mail:helwen_lenders@yahoo.... Report It

Credit Experts, Please Read My Question?

Hi,

I'm Alex, and have a serious question for you all. One of my biggest dream is to buy a Kramer Paul Dean Signature guitar. There is one person who is selling me his model, however he wants $800.00 for it. Some things to know are the following, I do have a Capital One card, Macy's, JC Penney as well. My Capital One card does not cover that amount. Also I've already applied for two personal loans at Banner Bank %26amp; Bank of America and both declined my request. They said I didn't have enough credit history, I honestly don't know why since I always make my payments on time and never miss any payments. So I get an offer from Visa Platinum that has a $1,000 credit limit, should I accept it just to purchase my dream guitar?

It does have high interest rates, but I have a feeling once the guitar is paid off, it will be worth it all.

My question is this - Should I apply for that Visa Platinum to make the purchase of the guitar?

Also, how much would the payments be each month?

Credit Experts, Please Read My Question?

Alex,,

Here's the deal, if you get the credit card and borrow $800 on it, it will hurt your credit score.

Your minimum monthly payment will be about $25 or $30

(You can ask the credit card company what your payment will be)

If you pay $30 a month, that is $360 a year. You will be paying that for about 25 or 30 years. So the $800 Guitar will cost you about $9,000.00 to $10,000.00 over time.

How bad do you want it??

Credit Experts, Please Read My Question?

dont do it

Credit Experts, Please Read My Question?

don't do it see if the guy will allow you to make payments to him directly (get a written contract ) and i would offer a 100 a month

Credit Experts, Please Read My Question?

You should save money to buy the guitar. This way the interest rate works for you rather than against you. If you pay $100/month you will pay almost $50 extra(paying 745.26 total) if your interest rate is 18%. However depositing $100/month into an account earning 6% you end up with $10 extra.

The difference is greater if you look at $50/month over 14 months.

I might not seem like a lot of money in this example, but if you repeat this choice over and over it will either increase or decrease your standard of living with the same income.

How can I buy a preowned car with limited credit history?

I've been trying to figure out how I can buy or lease a preowned vehicle with my age (20) and credit history. i don't have have bad credit but not enough credit history; i've been denied several times applying for an auto loan through a bank. I have about $700 to put on a down payment. The problem is I don't have a cosigner with good enough credit that could sign the car loan with me. And i don't have a car i could trade in or collateral. It's seems so difficult with me with so many obstacles. How can I make this happen?

How can I buy a preowned car with limited credit history?

You CAN get a decent car loan, even with bad credit. I've done it, but you'll have to look around. That's one of the BIG mistakes people make...just taking the first offer that's given to them when they go to the dealer. Be smarter than that.

WARNING: DON'T GO TO BUY A CAR WITHOUT HAVING THE LOAN FIRST. The auto dealers will eat you alive and give you a crappy rate. Shop around with lenders who specialize in bad credit car loans. It's a better option, you don't have to take what they're offering if you don't want it, and it's better than dealing with the car dealer's people.

There are usually some nationally based car loan companies who specialize in bad credit car loans who advertise on the page linked below...

http://www.axalda.info/bad-credit-car-lo...

How can I buy a preowned car with limited credit history?

the smartest thing to do is try and get your down payment higher if you are intent on betting a loan, that can help in some cases.

have you tried Capital One? they are the best loan option for limited credit people, but with that said, you shouldnt apply everywhere or as much as it sounds you have

worse case, try and find a decent car for cash while you save your money. You could go to a buy here pay here, but you will pay a very high interest rate and may not get a good car

How can I buy a preowned car with limited credit history?

Go to a used car dealer and let tham finance it at a higher interest rate. If the $700 down don't work, promise to pay double ot triple of your monthly payments along with proof of the job and income with employers recommendation.

I just finished my first week of online classes.?

I am going to pheoinx of arizona online classes. I recieve finacial aid and saw the school got paid yesturday. When will I be getting my check? I need to buy a new computer and a printer. How do we know how much we recieve? I also applied for the stanford loan. When and how much is that? i called the worker at school, and am waiting to hear back from her

I just finished my first week of online classes.?

Your financial aid person should be able to tell you what you get. You need to have this information on hand as you are the one paying back the loans. If the aid was just for the classes you will never see a check. I never did as it went right to the school. All the the extras cost such as computers and books still came out of my own pocket.

Question for credit experts, please read?

Hi,

I'm Alex, and have a serious question for you all. One of my biggest dream is to buy a Kramer Paul Dean Signature guitar. There is one person who is selling me his model, however he wants $800.00 for it. Some things to know are the following, I do have a Capital One card, Macy's, JC Penney as well. My Capital One card does not cover that amount. Also I've already applied for two personal loans at Banner Bank %26amp; Bank of America and both declined my request. They said I didn't have enough credit history, I honestly don't know why since I always make my payments on time and never miss any payments. So I get an offer from Visa Platinum that has a $1,000 credit limit, should I accept it just to purchase my dream guitar?

It does have high interest rates, but I have a feeling once the guitar is paid off, it will be worth it all.

My question is this - Should I apply for that Visa Platinum to make the purchase of the guitar?

Also, how much would the payments be each month?

Question for credit experts, please read?

If you can't buy the guitar straight cash, you should really think about how important it is to have RIGHT NOW. If you can't afford it, you'll have serious problems down the road. YOu should do what the guy above me suggested. Purchase it in payments. Say 100 bucks a month over eight months. That way, you won't get charged interest from a credit card, and you'll spread the dollar amount out over a time.

But do you HAVE to have it? That's an important question.

Question for credit experts, please read?

I have a better idea for you. Ask the seller if he would be willing to sell with you making payments to him using a mutually agreeable schedule and amount. Type up a simple contract and have it noterized (your bank should be willing to do this if either of you don't know a notary).

If that doesn't work, then I would overpay the credit card you already have so that your available balance is more than the limit. Or you could call to see if your limit can be raised on said card.

Question for credit experts, please read?

Try prosper.com for a unsecured personal loan. There you can consolidate your credit cards and get your guitar and only have on payment. They have both bad and good credit loans with decent interest rates.

Its worth the look.

Question for credit experts, please read?

This is about the 3rd or 4th time you have asked this same question. It seems as if you waiting for people to agree that what you are doing is a good idea. Not to be rude, but that has not happened yet has it? Think about if you NEED it or just WANT it.

If you already have 2 recent denials there is a good chance that you won't get approved for the credit card. You should see if the person selling it will allow you to make payments on the guitar. If you do decide to apply and get approved for the credit card, DO NOT only pay the minimum. If you only pay the minimum it will take years to get it paid off if you do it that way.

Question for credit experts, please read?

Bad credit debt consolidation loans are of two types:

1. Secured bad credit debt consolidation loans:

These types of bad credit debt consolidation loans are secured by a collateral usually some property or a guarantor. Since, the lenders find something to bank upon in case you default on payments, the interest rates on secured bad credit debt consolidation loans are cheaper, the lending amounts are higher and the repayment period can be long.

2. Unsecured bad credit debt consolidation loans:

Persons who do not have anything to offer as the collateral or security, can take unsecured bad credit debt consolidation loans. The lenders find themselves at increasing level of risk while giving such loans. The existing bad credit situation and lack of a collateral, make them charge high interest rates and offer low loan amounts to offset the risk involved. But, a person who has a bad credit and cannot provide a collateral has little choice, but to take these high interest loans. At least by repaying these the borrower can rebuild his credit history.

Deciding which bad credit debt consolidation loan is right for you can be a daunting task. Many companies offer free debt consolidation help to those who are cash strapped. It is good to take such advice because the professional expertise of such companies can help you decide better. Again, it's you who will have to be very cautious about the interest rates, repayment period, late payment penalties and other fine prints that come with the bad credit debt consolidation loans. Read more from: http://www.credit-card-gallery.com/credi...