How exactly does a secured loan work? November 30, 2009
Posted by Credit in : Personal Finance , 3comments
A. S asked:
If I got a secured loan against my home and I sell me home, do I have to pay my unsecured loan off when I sell my home? Or can I continue to have my loan and pay it off every month for the term of the loan?
No, I am not talking about a home equity loan. A secured loan against my home- do I pack that back when I sell my home or not?
If I got a secured loan against my home and I sell me home, do I have to pay my unsecured loan off when I sell my home? Or can I continue to have my loan and pay it off every month for the term of the loan?
No, I am not talking about a home equity loan. A secured loan against my home- do I pack that back when I sell my home or not?
What is the legal time frame for a bank to return a counterfeit check? November 30, 2009
Posted by Credit in : Credit , 2comments
cucodelvalle asked:
On March 28 I deposited a money order. On July 6 my bank debited my account for that deposit claiming that it was a forfeited check. I think that this debit is illegal because more than 100 days passed and I had already assumed this was a good check. Anybody knows what is the time limit for a bank to charge back a forfeited money order?
On March 28 I deposited a money order. On July 6 my bank debited my account for that deposit claiming that it was a forfeited check. I think that this debit is illegal because more than 100 days passed and I had already assumed this was a good check. Anybody knows what is the time limit for a bank to charge back a forfeited money order?
If your bank account is withdrawn by an identity thief, is the bank responsible? November 30, 2009
Posted by Credit in : Personal Finance , 9comments
MRBEE asked:
Let’s say you have $10,000.00 in a checking account, If an identity thief withdraws all the money without your knowledge, will the bank be responsible for the loss?
Let’s say you have $10,000.00 in a checking account, If an identity thief withdraws all the money without your knowledge, will the bank be responsible for the loss?
Which bank in Chicago is better for checking and personal savings accounts? November 29, 2009
Posted by Credit in : Personal Finance , 2comments
coachgirl_09 asked:
I will be living in Chicago next year and would like to know which bank (that is nationwide) is best for me. I would like to have free checking and less fees besides a personal savings account. I am thinking about switching to either Chase or WaMu. Thanks!
I will be living in Chicago next year and would like to know which bank (that is nationwide) is best for me. I would like to have free checking and less fees besides a personal savings account. I am thinking about switching to either Chase or WaMu. Thanks!
What are the ways to repay the payday loan? November 29, 2009
Posted by Credit in : Credit , 9comments
Rajan asked:
I am planning to take payday loan But I don’t know about repay the payday loan..
So plzzzz help me how could I repay the payday loan?
I am planning to take payday loan But I don’t know about repay the payday loan..
So plzzzz help me how could I repay the payday loan?
Thanks.
How soon can you use a VA loan to purchase a home after a shortsale on an FHA loan? November 29, 2009
Posted by Credit in : Renting & Real Estate , 3comments
Brandi asked:
My husband and I did a short sale on our home 15 months ago on an FHA loan, because we were stationed over seas for three years it became to hard to hold onto the home. We would like to purchase another home using my husbands VA benefits now that we will be stationed stateside again. How long do we have to wait to use the VA loan?
My husband and I did a short sale on our home 15 months ago on an FHA loan, because we were stationed over seas for three years it became to hard to hold onto the home. We would like to purchase another home using my husbands VA benefits now that we will be stationed stateside again. How long do we have to wait to use the VA loan?
How do I get a student loan for living expeneses? November 29, 2009
Posted by Credit in : Financial Aid , add a comment
jellojiggler03 asked:
I am trying to get a student loan, because I need to be able to pay for an apartment and need to get a new vehicle. I am working but I’m only making minimum wage and its not enough. How do i get a student loan that will send me the money instead of the school?
I am trying to get a student loan, because I need to be able to pay for an apartment and need to get a new vehicle. I am working but I’m only making minimum wage and its not enough. How do i get a student loan that will send me the money instead of the school?
What does transfering money to your credit card account do? November 29, 2009
Posted by Credit in : Credit , 3comments
Brandon S asked:
Obviously you pay off a credit card bill with a check or using bill pay through your bank. I have a credit card account through Wells Fargo, and I notice that when I choose to transfer money from my checking account to one of my other Wells Fargo accounts, I can transfer it to my savings as well as my credit card account. What happens when I transfer money to my credit card account? I did not know you can do such a thing. Is that for stashing cash away so I have money come bill paying time?
Obviously you pay off a credit card bill with a check or using bill pay through your bank. I have a credit card account through Wells Fargo, and I notice that when I choose to transfer money from my checking account to one of my other Wells Fargo accounts, I can transfer it to my savings as well as my credit card account. What happens when I transfer money to my credit card account? I did not know you can do such a thing. Is that for stashing cash away so I have money come bill paying time?
What is the difference between a federal Perkins loan and a subsidized direct loan? November 29, 2009
Posted by Credit in : Financial Aid , 3comments
goody asked:
So I recieved my Financial aid reward for college and was offered a perkins loan and a subsidized direct loan. My question is what is the difference and If I were to choose only one which one would be better. both are of the same amount.
So I recieved my Financial aid reward for college and was offered a perkins loan and a subsidized direct loan. My question is what is the difference and If I were to choose only one which one would be better. both are of the same amount.
What is the easiest department store credit card to apply for with bad credit? November 29, 2009
Posted by Credit in : Credit , 3comments
missthanku asked:
I’m interested in applying for a department store credit card like Carsons, Target, Wal-Mart, etc. However, my credit is not all that great right now but I would like a chance to RE-BUILD it. Does anyone have any experience with getting a department store credit card but you had bad credit? I appreciate and thank-you guys in advance for your kind answers and intelligent business advice.
I’m interested in applying for a department store credit card like Carsons, Target, Wal-Mart, etc. However, my credit is not all that great right now but I would like a chance to RE-BUILD it. Does anyone have any experience with getting a department store credit card but you had bad credit? I appreciate and thank-you guys in advance for your kind answers and intelligent business advice.