How can I close a bank account without actually going into the bank? I have already opened an account at anoth? January 26, 2010
Posted by Credit in : Personal Finance , add a comment
Corona asked:
bank and almost all of my money is out of the first bank account. I work all the time and it is really hard for me to get there in time before they close.
bank and almost all of my money is out of the first bank account. I work all the time and it is really hard for me to get there in time before they close.
How can I get a loan to pay off my bills while in college? January 26, 2010
Posted by Credit in : Other - Business & Finance , 3comments
TerpshigumsWooWoo! asked:
I am paying my way through college and working part time, but the bills are getting too expensive. I heard there are websites that bid on personal financing loans. How can I get a loan through one of these places or get a loan through other companies?
I am paying my way through college and working part time, but the bills are getting too expensive. I heard there are websites that bid on personal financing loans. How can I get a loan through one of these places or get a loan through other companies?
How can I cash my cheque without a bank account? January 25, 2010
Posted by Credit in : Personal Finance , 12comments
Bernie K asked:
I have some pay cheques from work but I don’t have a bank account. What’s the best way to cash them? I’ve asked loads of places and no one will let me sign the cheques over to someone else. It’s for $500 so I don’t think it’ll be ok if it goes through the ATM in someone else’s account. Can anyone suggest something? Thanks!
I have some pay cheques from work but I don’t have a bank account. What’s the best way to cash them? I’ve asked loads of places and no one will let me sign the cheques over to someone else. It’s for $500 so I don’t think it’ll be ok if it goes through the ATM in someone else’s account. Can anyone suggest something? Thanks!
Credit ? January 25, 2010
Posted by Credit in : Credit , 2comments
bill asked:
I am only sixteen, but my dad says that if I want to buy a car– and eventually an apartment or a house I need to establish a line of credit. How do I do this? Whats a good way to get started?
I am only sixteen, but my dad says that if I want to buy a car– and eventually an apartment or a house I need to establish a line of credit. How do I do this? Whats a good way to get started?
How often does interest accumulate on an unsubsidized Stafford student loan from the government? January 25, 2010
Posted by Credit in : Financial Aid , 3comments
Level T asked:
The interest rate on an unsubsidized Stafford student loan is 6.8%. How often does interest acculumate on such a loan? For example, if my loan is $5000, how do I calculate when and how much interest is capitalized onto the loan. Thank you for your help.
The interest rate on an unsubsidized Stafford student loan is 6.8%. How often does interest acculumate on such a loan? For example, if my loan is $5000, how do I calculate when and how much interest is capitalized onto the loan. Thank you for your help.
What are the ins and outs of getting a construction loan to build a home? January 25, 2010
Posted by Credit in : Renting & Real Estate , 3comments
amyann16 asked:
My husband and I are 1st time homebuyers. We have been preapproved for a house loan, but are not having luck finding what we want. We have toyed with the idea of building our own. What are the differences between getting a preapproved loan and buying a already built house and going through getting a construction loan? Do you have to put money up front for a construction loan? Do you make mortgage payments while the house is being built, or do you wait until the house is completed? Is there a time frame that the house must be built within? If we were preapproved for a certain amount with a homebuyers loan, would we likely be preapproved for the same amount for a construction loan? What other differences should I know about? Since we are first time homebuyers we do not have much collateral (we do have some savings, but not a ton), would that affect our ability to get a construction loan?
My husband and I are 1st time homebuyers. We have been preapproved for a house loan, but are not having luck finding what we want. We have toyed with the idea of building our own. What are the differences between getting a preapproved loan and buying a already built house and going through getting a construction loan? Do you have to put money up front for a construction loan? Do you make mortgage payments while the house is being built, or do you wait until the house is completed? Is there a time frame that the house must be built within? If we were preapproved for a certain amount with a homebuyers loan, would we likely be preapproved for the same amount for a construction loan? What other differences should I know about? Since we are first time homebuyers we do not have much collateral (we do have some savings, but not a ton), would that affect our ability to get a construction loan?
How do I choose a bank for pre-approval on a home loan? January 25, 2010
Posted by Credit in : Renting & Real Estate , 5comments
☆skyblue asked:
I’m currently renting an apartment and want to purchase a home. I first need to get pre-approved for a home loan so I know what type of house I can afford. What should I look for in a bank when considering a home loan? Should I stay with the bank I currently have a bank account with or look at other banks also? If I contact a bank, are there specific questions I should ask to know if they’ll give me the best loan offer?
I’m currently renting an apartment and want to purchase a home. I first need to get pre-approved for a home loan so I know what type of house I can afford. What should I look for in a bank when considering a home loan? Should I stay with the bank I currently have a bank account with or look at other banks also? If I contact a bank, are there specific questions I should ask to know if they’ll give me the best loan offer?
How will applying for an auto loan on-line at several places affect my credit rating? January 23, 2010
Posted by Credit in : Credit , 5comments
StillCurious asked:
I heard that comparing auto loans before shopping for a car is a prudent thing to do. But I’ve also heard that every time you apply for a loan your credit rating is negatively affected. What’s the truth?
I heard that comparing auto loans before shopping for a car is a prudent thing to do. But I’ve also heard that every time you apply for a loan your credit rating is negatively affected. What’s the truth?
What credit cards are made so that you are instantly approved or denied? January 23, 2010
Posted by Credit in : Credit , 11comments
ersan b asked:
I preferably need a studen credit card (to build up my credit-seeing as how I do not have any line of credit). I just need to know which credit cards/student credit cards instantly approve/deny you or at least you find out some sort of answer within a few hours.
I preferably need a studen credit card (to build up my credit-seeing as how I do not have any line of credit). I just need to know which credit cards/student credit cards instantly approve/deny you or at least you find out some sort of answer within a few hours.
What exactly does transferable credit hours mean? January 22, 2010
Posted by Credit in : Higher Education (University +) , 2comments
M&U asked:
I am about to enter university and I am planning on transferring to another university which requires 60 transferrable credit hours. Does it mean I need to take specific courses that offer transferrable credit or can all credit be transferred?
I am about to enter university and I am planning on transferring to another university which requires 60 transferrable credit hours. Does it mean I need to take specific courses that offer transferrable credit or can all credit be transferred?