Can I notify the credit report agencies in advance of something I want to dispute showing on my report?
Question by Valentine_21477: Can I notify the credit report agencies in advance of something I want to dispute showing on my report?
I stopped payment on check for services not done and the person took it to a cash checking store and got it cashed anyways. My bank said I had the right to stop payment and it’s the check cashing store problem for cashing the check without verifying the check was still valid. The check cashing store said they were going to take me to small claims court for the money. People have been telling me they might also notify the credit reporting agencies. Can I notify the credit report agencies even though it’s not on my report yet? Do I need to notify all three? Thanks in advance!
Best answer:
Answer by OC1999
You can not dispute what is not on your report, so right now that would just be a waste of time. If it does show up on your report you then need to dispute it with the credit reporting agencies. However, it will probably come up as verified by the Check Cashing place. At that time you need to take them to court to have it removed.
Let the Check Cashing store take you to small claims court. They will loose, as your bank said it was their mistake for cashing the check. If they want their money back they need to go after the person who cashed the check.
Give your answer to this question below!
Credit Card Debt
When you’re eyeing something terribly and you happen to not have the cash on hand, you are probably tempted to opt for your credit card without thinking of how you will pay for your statement when it finally arrives. Chances are, you will get stranded in a credit card debt. To boost your discipline not to fall into such trap, it’s best that you understand what you will be going through if you face such challenge. If you’re already drowning in credit card debt, then it’s best that you get some help.
Categories: Loan Videos Tags: Credit, Credit Cards, Debt
Q&A: Bank loan or debt consolidation program for credit card payoff?
Question by honhill: Bank loan or debt consolidation program for credit card payoff?
Due to a family tragedy, my husband and I are currently in $ 26,000 of credit card debt. All of the payments are current and the cards are paid on time with the accounts still open (we are not still charging, though). We are looking to seriously pay this down before the interest eats us alive. My husband wants to take out a bank loan and pay the cards off that way, but I am wondering about the debt consolidation programs you hear about (I know some of those are scams and some are real). Any advice or experience?
Best answer:
Answer by dakeen forx
If a person has accumulated a large amount of credit card debt due to multiple credit cards, the need for a proper counseling for credit card debt consolidation can’t be understated. Credit card debt consolidation counseling helps a person get vital insights into the facts that can help him get control over the credit card debt.
Credit card debt consolidation counselors are experts with a good knowledge of debt management, budgeting and behavioral patterns of credit card holders. These services are vital for those struggling to manage their credit card debts. Also called credit counseling or debt counseling the credit card debt consolidation counseling brings immediate relief to a credit card holder.
A person seeking credit counseling can get it from two types of organizations. The professional or commercial organizations, and the non-profit organizations. As depicted by its name or categorization, the commercial organizations charge money for their credit counseling sessions and consolidation help on the other hand the non-profit organizations offer free of charge services. Just because the non-profit organizations are free, it doesn’t undermine their quality of service. The persons associated with such organizations are thorough experts and have lived the trauma of being under credit card debt themselves and hence bring their vital experience to the credit card holder.
What do you think? Answer below!
Categories: Loan Questions Tags: consolidation, Credit, Debt, loan, payoff
Installment Loans and Credit Scores
When you are strapped for cash and there’s no other way you can get quick money, that’s where loans come in. You borrow money, and then you will have to pay it back along with its interest rates.
On the other hand, credit score aids you in establishing your credit-worthiness. With a good credit score to boot, you have easy access to loans and practically any form of financing, of course at the best rates.
Watch this video and get to learn how these two are intertwined.
Categories: Loan Videos Tags: Credit, Installment, loans, Scores
Auto Loan; Find The Best Auto Loan For Your New Car As You Learn About Low Interest Rates, Online Auto Loans, Bad Credit Auto Loans, Loans After Bankruptcy And More!
Auto Loan; Find The Best Auto Loan For Your New Car As You Learn About Low Interest Rates, Online Auto Loans, Bad Credit Auto Loans, Loans After Bankruptcy And More!
Are you ready to buy a new or used car and need to find the best auto loan? Would you like to learn the strategies to find low interest rate loans and negotiate for yourself? Do you want to learn how to calculate your monthly payments and length of payments, so you get an accurate picture of what you’re committing to? As you read this book, Auto Loan, you will learn the answers to these questions and more. Auto Loan teaches you how to take charge of finding auto finance for your new car, so you are prepared ahead of time before going to the car lot. This will empower you to make an educated decision about what car payment you can afford. You will also not automatically take the financing offer of the car lot, which may have higher interest rates and a longer payment plan than you could find elsewhere. By learning about auto and car loans, and the available possibilities, you will save money and end up paying off your new car sooner.
Auto Loan begins by introducing you to the basics of auto loans and the application process. Then it shows you things you need to know before even applying for a loan, so you can find the best interest rate. Furthermore, it explains the different types of auto loans available; for those with bad credit, refinancing auto loans, online auto loans, instant approval auto loans, and how to find loans after bankruptcy. With this book, you will be better equipped when you purchase your new vehicle to get the best loan so you can own your car outright sooner and having paid less interest.
Take a look at the information included in this book! Here is a list of the chapter titles:
Chapter 1: Auto Finance Introduction
Chapter 2: Auto Loan Basics
Chapter 3: Know The Basic Features Of Personal Auto Loans
Chapter 4: Things To Know Before Getting An Auto Loan In The USA
Chapter 5: 5 Things You Should Know Before Applying For Auto Loan
Chapter 6: How To Refinance An Auto Loan
Chapter 7: Automotive Financing – Benefits To Applying Online
Chapter 8: Reach Out To Everyone With The Auto Loans
Chapter 9: Auto Loans: Top 5 Tips For The Best Rate
Chapter 10: Auto Loans For Fast Moving World – Instant Approval Auto Loans
Chapter 11: Take Dream Vehicle At Cheaper Finance Through Instant Auto Loans
Chapter 12: Look Before You Buy – Auto Loan Quotes
Chapter 13: Lets You Drive Your Way – Secured Auto Loan
Chapter 14: What You Should Know Before You Get An Online Auto Loan
Chapter 15: Auto Financing Online
Chapter 16: Comparing Auto Lenders Online
Chapter 17: The Advantages of an Online Auto Loan
Chapter 18: Auto Refinance Secrets: Refinance Your Car Loan And Save Every Month
Chapter 19: Automobile Financing – Know Your Options
Chapter 20: Poor Credit Auto Loans – Working With An Auto Loan Broker
Chapter 21: All You Need To Know About Bad Credit Auto Loans
Chapter 22: Auto Loans After Bankruptcy – Getting Approved With Bad Credit
Chapter 23: Auto Loan After Bankruptcy – Restoring Credit With An Auto Loan
Chapter 24: All You Need To Know About Commercial Vehicle Loan
Chapter 25: Sub Prime Auto Financing – How To Get Approved
Find the best auto loan for your new car today! Take action and instantly download this book to your Kindle so you can make a smart decision about an auto loan.
Price:
Financing Your Small Business: From SBA Loans and Credit Cards to Common Stock and Partnership Interests (Quick Start Your Business)
Financing Your Small Business: From SBA Loans and Credit Cards to Common Stock and Partnership Interests (Quick Start Your Business)
Secure your business’s future using the right SBA loan, bank loan or equity financing for you. When it comes to your chances of receiving financing and doing it right, Financing Your Small Business provides you with all the answers you need. It helps you find ways to combine various types of financing and shows you how to get the money you need. Learn:
How to get a bank loan
How to make a better presentation How to get attention with your business plan
How to choose professionals
How to value your business
How to determine your investors’ status
How to avoid securities law problems
How to find investors
From SBA loans to venture capital sources, Financing Your Small Business shows you all the ways to get the money you need.
Raising Money Just Got Easier.
List Price: $ 19.99
Price:
Find More Credit Cards Products
Active Credit Portfolio Management in Practice (Wiley Finance)
Active Credit Portfolio Management in Practice (Wiley Finance)
State-of-the-art techniques and tools needed to facilitate effective credit portfolio management and robust quantitative credit analysis
Filled with in-depth insights and expert advice, Active Credit Portfolio Management in Practice serves as a comprehensive introduction to both the theory and real-world practice of credit portfolio management. The authors have written a text that is technical enough both in terms of background and implementation to cover what practitioners and researchers need for actually applying these types of risk management tools in large organizations but which at the same time, avoids technical proofs in favor of real applications. Throughout this book, readers will be introduced to the theoretical foundations of this discipline, and learn about structural, reduced-form, and econometric models successfully used in the market today. The book is full of hands-on examples and anecdotes. Theory is illustrated with practical application. The authors’ Website provides additional software tools in the form of Excel spreadsheets, Matlab code and S-Plus code. Each section of the book concludes with review questions designed to spark further discussion and reflection on the concepts presented.
List Price: $ 95.00
Price:
Find More Credit Advance Products
Categories: Loan Products Tags: Active, Credit, Finance, Management, Portfolio, practice, Wiley
Bank Credit: A Study of the Principles and Factors Underlying Advances Made by Banks to Borrowers (1920)
Bank Credit: A Study of the Principles and Factors Underlying Advances Made by Banks to Borrowers (1920)
Originally published in 1920. This volume from the Cornell University Library’s print collections was scanned on an APT BookScan and converted to JPG 2000 format by Kirtas Technologies. All titles scanned cover to cover and pages may include marks notations and other marginalia present in the original volume.
List Price: $ 26.99
Price:
Categories: Loan Products Tags: 1920, advances, bank, Banks, Borrowers, Credit, Factors, Made, Principles, study, Underlying
How You Can Profit from Credit Cards: Using Credit to Improve Your Financial Life and Bottom Line
How You Can Profit from Credit Cards: Using Credit to Improve Your Financial Life and Bottom Line
“This book is a must-read for credit card holders of all ages. Curtis Arnold offers insights into how consumers can not only profit financially from credit cards, but importantly, how to avoid falling into debt.”
—Thomas R. Evans, President and CEO of BankRate.com, Inc.
“Finally, someone has written a guide for savvy consumers who want to make the most of the plastic in their wallets. Curtis Arnold explains exactly how to maximize your rewards so you’re quite literally getting free money and also outlines winning strategies for negotiating the lowest interest rate and using balance transfers to your advantage. Anyone who wants to build credit, improve their credit, or profit from their credit cards should read this book.”
—Liz Pulliam Weston, MSN Money Personal Finance Columnist and Bestselling Author of Your Credit Score and Easy Money
“Curtis Arnold is America’s premier credit card expert. Whether you’re trying to get your first card, compare credit offers, or figure out how to beat the credit card companies at their own game, Arnold’s wisdom and insider tips will prove invaluable.”
—Lynnette Khalfani-Cox, The “Money Coach” and Author of The New York Times Bestseller Zero Debt: The Ultimate Guide to Financial Freedom
“If you have had enough of credit card tricks and traps, this book will show you how to turn the tables. Curtis Arnold knows the credit card business inside and out and offers proven ways to put plastic to work for you, rather than against you.”
—Gerri Detweiler, Consumer Advocate and Author of four books on personal finance including the forthcoming book Stop Debt Collectors
“For most Americans, credit cards are seen as a necessary evil. Curtis Arnold transforms that perception. Using his advice, people can get rebates, perks, better interest rates, and all kinds of benefits from their cards that they never knew were possible. This book helps you become the master of your credit cards instead of a victim.”
—Jordan E. Goodman, “America’s Money Answers Man” and Bestselling Author of Everyone’s Money Book on Credit
“Curtis Arnold provides you with tips for protecting yourself from costly credit card traps, how to use credit to your advantage, and much more. This is a must-read book!”
—Marcia Brixey, Author of The Money Therapist and Founder and President of Money Wise Women Educational Services
Banks spend billions to entice credit card customers with rebates, freebies, low introductory rate offers, and airline miles. This book shows you how to take maximum advantage of these special deals—without paying for them through brutally high interest rates, fees, and penalties!
Top independent credit card expert Curtis Arnold reveals how to creatively finance major purchases such as cars, weddings, and condos with little or no interest charges…earn huge credit card “perks” every year…and dramatically reduce your cost of credit. He offers specific advice targeted to: young consumers, retirees facing credit discrimination, Americans recovering from debt problems, and even to consumers with spotless credit.
Why should huge banks and credit card companies make all the money? Get this book, and you too can start earning and saving hundreds, and possibly thousands of dollars, like Curtis has!
- Unlock the keys to huge credit card savings
Find the best rates and balance transfer offers—and make the most of them - Fly anywhere, finance anything
Use credit cards to get free airline tickets and cash rebates or low-cost “creative financing” - Don’t get ripped off—by your bank or anyone else
Avoid hidden fees, costly small print, and flat-out fraud - Slash your debt, and cut your cost of credit
Stop throwing away money you could be saving or investing
Acknowledgments xvii
About the Author xxi
Chapter 1: It’s Not Just Plastic–It’s Money! 1
Chapter 2: Show Me the Money! Credit Card Rebates 23
Chapter 3: Unlock the Key to Huge Savings: Master Credit Card Rates and Transfer Offers 51
Chapter 4: Avoid Problems That Hinder Maximum Profits 75
Chapter 5: How to Slash Your Debt and Keep Your Hard-Earned Money for Yourself 89
Chapter 6: Watch Out: Traps and Scams Can Cost You Big Bucks! 119
Chapter 7: Start Out on the Right Foot–Credit Cards for Students and Saving for College 155
Chapter 8: Use Targeted Cards to Your Financial Advantage 179
Chapter 9: Your Credit Report and Score: The Better You Look, the More You Profit 209
Chapter 10: Maximize the Benefits of Your Cards by Taking Advantage of Additional Free Perks 237
Chapter 11: Master Advanced Card Techniques to Save and Make Money 259
Chapter 12: Capitalize on Future Card Trends 283
Glossary 301
Index 315
List Price: $ 19.99
Price: