Check frequently asked questions about Bad Credit - Loan Offer - Repair Credit - Refinance and Mortgage

Open Question: Where can I find someone to give me a loan with bad credit. I have tried all the credit unions and banks.?

I am willing to pay a high interest rate. I need to consolidate my bills into one monthly payment. Thanks.

20 Nov 2008, 7:19 am | click here for answers

Open Question: >> Any 1 want Loan even with bad credit for 15 years on 2.5% interest <<?

Hi , Yahoo users i noticed that people are continiously asking for loan and they also have needy Credit . So i m to those people who need loan for any purpose,recently my nearest pal was also suffering from same stitution while he searching on yahoo and google he found a site from there he got a loan of 300000$ for 15 years on 2.5 % interest rates . so any interested can go there. They even ask about your credit Approval is two days http://zoomer02.tk > Bad credit loans Note : There u will receive about 12 links in that sec. you check every links for lowest interest rate my pal got 3 % annually interest may be by searching u receive more lower one so check links ok . Good Luck

20 Nov 2008, 7:19 am | click here for answers

Open Question: What are the requirements of u.s citizenship ? I have a permanent registration card and for the last five year?

What if you have a charge of felony , assault on a family member that got dropped to misdemeanor and resulted in probation and would appear as arrest not conviction after the probation period ends and if you are diagnosed as schizophrenic and paranoid and owe back taxes and have bad credit with a credit score of close to 600 . I hold a Indian passport and so much has happened since permanent registration card got issued and do u.s has dual citizenships and what about canada If you also have early signs of empysema .

20 Nov 2008, 7:17 am | click here for answers

Open Question: How bad is it to have a negative hit on your credit report? How bad would repossessing a car hurt my credit?

My ex boyfriend needed a new car, so I co-signed on the car loan for me. Now he has lost his job and can't make the car loan payment. I don't want a negative hit on my credit report, but I also don't want to pay his bills either. He has had the car for a year now, so I thought about refinancing it to take my name off and look if he can have the loan in his name also since no one else will sign for him instead of me. If I can't refinance it, what should I do???

20 Nov 2008, 6:49 am | click here for answers

Open Question: Can I get a $3,000 personal loan with bad credit with a good co-signer?

I've read through some of the other loan questions but never found this one specifically, which pertains to my situation. Anyway, I'll just give some background and what I'm looking for in an answer. I moved out to another town and worked a job for a couple of months. Things were going good until I got laid off. I was working full time, but didn't know I was getting laid off and contacted the temp agency I was working for 1 day too tardy to qualify for unemployment. Anyway, I'm moving back to my old town since there are virtually NO full time jobs here (I've spent about a month and a half looking) and I need money again. Well, in my old town I found a full time job for $15 an hour and can start as soon as I receive home. Problem is, I have nowhere to stay and live and no money to receive a place. Normally, I wouldn't care and would probably grab a tent from a family member and camp out, working a few weeks until I have the money for an apartment again. But it's winter time, and that's pretty much impossible without freezing to death up here in Minnesota. I have kinda bad credit, I made some mistakes when I turned 18, but I've been fixing it (it takes a long time I've figured out). I'm 21 now, and haven't had any tardy payments on anything in over 2 years, but my score is still kinda low. My pal has offered to co-sign a personal loan for me to buy a winter beater car (roughly $300-500) and receive an apartment. The state limit is a minimum $3,000 for a personal loan. So I'll be asking for a $3,000 loan. I plan on getting an apartment, some food and the cheap car with the money, and using the relax to start paying the loan back. My question is, with the following information: -Loan is $3,000 -pal has successfully paid off a $13,000 car loan and now has a $28,000 car loan, which he is paying -pal has never missed a payment in his 5 years of credit building -I have needy credit at the moment -I have a job full time (50 or so hours a week) at $15 an hour Do you think I'll qualify for the loan with his signature? Thank you thenemo12003. But I am a bit puzzled at your first sentence. I mentioned I have bad credit, and by bad I mean lower 600's. Do you mean that with a cosigner as well I "also" need a 700 or better? Or are you talking about my pal. He has a mid 700 score so I should be fine there. Just asking for clarification is every. Oh I guess I also forgot to add we have pretty good financial history together. When he was down on his luck once with a car break down I loaned him about $1,400 to repair his vehicle (this was before his first newer car). I've also borrowed a couple hundred from him before and paid him back promptly. I've always had a full time job and money until now because I was just recently laid off. But I already found a new job.

20 Nov 2008, 4:12 am | click here for answers

Open Question: how long does bad credit follow you for?

I'm in college (age 20) and well, I got into a little trouble with a few credit cards and I know I have terrible credit now. How long does this nice of thing follow me around for? and will this be a problem if I receive married in the next few years?

20 Nov 2008, 3:09 am | click here for answers

Open Question: Getting married and I don't want to register, how can I hint that money is the best gift?

So my fiance and I have been living on our possess for five years now. We have it every! We are getting married and people are asking where we want to register. Honestly, I don't need anything. Since the economy is bad and my fiance is in sales, we will have to put more things on our credit card than we had anticipated at first. I would just adore for everyone to give a gift of money instead. I don't want to arrive off rude. Does anyone have any suggestions? I have seen little poems you can send out with invitations but I think its a bit tacky. I want to just try to give a hint by not registering at every for my wedding. But I am scared that people will take it upon themselves to buy us random things like a toaster or something...then I cant return it, and wont need it. Please, serious answers only. I thank you in advance!!!

20 Nov 2008, 1:48 am | click here for answers

Open Question: Can you recommend a lender for a bad credit auto lease buyout loan?

I've tried several lenders and nobody will approve a loan for me because of my credit history. I'm paying my debts on time now, but it doesn't show on my credit report. My car lease is up on 4/12 and I need to receive a loan to purchase my car ASAP. Please help, I'm running out of time.

20 Nov 2008, 12:37 am | click here for answers

Open Question: Dilemma about living situation? This is serious, I feel extremely doomed.?

This is a poverty and self preservation level of concern: My mom moved out whole family to a gang infested, crime infested, cops and robbers area, with drugs etc...she has NO moral values whatsoever. I am a double major in college and my car just got stolen right after I put about two months income into getting it running again, so I've had to drop out of school and to receive another job I thought about psoting an add on craigslsit asking people to help, one thing I did was I asked if anyone wanted to share a room so that we could keep rent and I could move away from here and go to school and no one is replying except perverts and people writing one line insults, and I've also thought about looking for jobs on line but IT NEVER GOES ANYWHERE, the jobs, nor the room mates!! ????, I don't feel as though I have any other choice, how else can I go anywhere? I've tried taking the bus in the past and I was assaulted and left stranded etc.....the area is bad. I also got my identity stolen and they took my financial aid award etc....opened credit cards in my name. I only have about $500 a month for rent. I have already finished quite a bit of classes at a 2 year college. I have NOT EVEN ONE pal -> The area is FULL OF THUGS who want to rape and kill you. No girls to store with, no one to hang out with. I am unhappy as one can imgaine and lonely, and my mom says it's fine if I'm stuck with her , and she says I can just be her home keeper and she said I don't need to go to school because she has a mental disability and wants her kids to wait on her hand and foot. I'm very frustrated and I look everyone else going to school.

19 Nov 2008, 9:55 pm | click here for answers

Open Question: Where can I get a signature loan with bad credit?

I NEED THIS MONEY SOON! PLEASE HELP!

19 Nov 2008, 9:36 pm | click here for answers

Open Question: ACCOUNTING II QUESTIONS PLEASE HELP?? MATURITY VALUES, Etc. Please!?

1. Tanning Company uses the percentage of receivables method for recording bad debts expense. The accounts receivable balance is $200,000 and credit sales are $1,000,000. An aging of accounts receivable shows that 5% will be uncollectible. What adjusting entry will Manning Company make if the Allowance for Doubtful Accounts has a credit balance of $2,000 before adjustment? a) Bad Debts Expense 10,000 Accounts Receivable 10,000 b) Bad Debts Expense 8,000 Allowance for Doubtful Accounts 8,000 c) Bad Debts Expense 8,000 Accounts Receivable 8,000 d) Bad Debts Expense 10,000 Allowance for Doubtful Accounts 10,000 2. Bright Co. holds Park Co.’s $20,000, 120 day, 9% note. The entry made by Bright Co. when the note is collected, assuming no interest has previously been accrued is: a) Accounts Receivable 20,600 Notes Receivable 20,000 Interest Revenue 600 b) Cash 20,000 Notes Receivable 20,000 c) Accounts Receivable 20,600 Notes Revenue 20,000 Interest Revenue 600 d) Cash 20,600 Notes Receivable 20,000 Interest Revenue 600 3. The maturity value of a $20,000, 9%, 40-day note receivable dated July 3 is a) $20,200. b) $21,800. c) $20,000. d) $22,000.

19 Nov 2008, 9:22 pm | click here for answers

Open Question: Can I get away with a new laptop with accidental insurance?

I was told by more then a few people who work with customer service at computer stores like circuit city, where i bought my laptop. Now generally I am a person who obeys the law and does everything the "right and moral" way. However, I am not very wealthy and when I bought my laptop from them, it took me nearly a year to pay off my parents for helping me to receive it. It cost about 1200 with the insurance. Its an Acer Aspire 5100, while its not a "Bad" laptop, it is not nearly as good as i thought it was when i bought it, as in I didnt do my research good enough. Anyways, getting to the point. I have about 6 months left on my insurance policy that covers free repair of the laptop, as well as a free replacement of the laptop if it is unrepairable. If the laptop is not repairable and needs to be replaced, then they will give me another one of the same laptop, or credit towards another one. The thing is, I am pretty sure this laptop is gone from there stores, however I am not completely sure how the replacement policy would work (care to fill in this detail for me if anyone knows). So do I "damage" my laptop and receive it repaired or replaced, or just keep the good karma I have and keep it that way. If I do "damage" my laptop, is there a good way to do it to insure that it will receive replaced (anyone who has actually done this or knows of someone who has. Or even if you are a representitive of a computer seller that has had people bring laptops back with damages so bad they had to be replaced.) I realize this may be considered asking how to rip off a company, or stealing as some would call it. I am asking for opinions only. Hmm, more to think about, and of course laptops arnt easily upgraded... My laptop has dual processors, amd mobile like t52 or something... if i could replace it I would...

19 Nov 2008, 9:14 pm | click here for answers

Open Question: ANyone now of a good credit card company I should go with?

Im trying to build up my credit. I had a card back in the days when i was in College, but since than I tore it up, thinkn if I never use a credit card I can never have bad credit. Ive recently learned that No credit is just as bad as bad credit.. Pls help..

19 Nov 2008, 8:33 pm | click here for answers

Open Question: Bad Credit. What should I expect to pay for deposits on my utilities? Help me please?

Okay I know I can call them but it is 8pm and they are closed and i know it is based on credit-so i would just like to know what an estimate would be on these deposits....and yes my credit sucks 1. electric 2. gas 3. water/trash thank you!

19 Nov 2008, 8:23 pm | click here for answers

Open Question: Bad teacher...do I tell anyone?

My math teacher is terrible. It is her first yera teaching, and I dread that classroom every day. It is not because I hate math, I adore it. It is not because she does not tutor the material, she does and I understand it very well. It is the way we are treated. She is not student oriented. She sometimes ignores our questions, our hands raised. One time I wanted to ask her why I got something wrong, I asked her, she started to say something, then walked away. One time a student asked to go to the bathroom and she ignored him and walked away. I ask her if I will receive credit for something, she does not answer me. When students talk or do something silly, that they shouldnt have done, she mocks us by lowering ehr voice and talks as if she were retarted, swinging from side to side. There is one kid in the corner who doesnt fit in and is nice of self councious, and whenevr he tries to say something a little humourus, not terribly disruptive, she mocks him, says in her mocking, retarted voice "you tryin to be silly? huh, huh????" Theres one kid who sits in the back, doesnt say that much, she says "whats the matter? You think you're every that? Huh, (name of student? I know you think you're every that, but i dont look it. I dont look it at every." Today, i said something harmless, a little silly, maybe a tad rude, and she says. "You know what? I know you think you're mac daddy and every that, is that who you think you are? mac daddy? If I have a question on the homework, I literally fear going to ask her a question. Id rather receive it wrong. What should I do? I know that principal fairly well, what should my next step be? If I tell someone, the etacher will take it out on me. Can she be fired, shes on her first year? Sometimes Im not sure, she can be a little nice, but these instances, although there are more, stick out in my mind? What if I say something and she loses her job? please help....

19 Nov 2008, 8:02 pm | click here for answers

Open Question: I set up a privacy password with McAfee Security Center and now my YIM isn't working. How can I fix it?

It was Sunday night and I was running through the program to make sure that it was working every right and I noticed that this thing called "Privacy Service" wasn't turned on. I turned it on and created a password, then it asked me to restart my computer. After I got my computer up and running again, my Yahoo Messenger wouldn't open. I tried to uninstall it and download it again, but it wouldn't let me. I kept getting the pop-up that asks you if you want to send an mistake report or not. However, last night, Yahoo Messenger opened and I was able to use it despite of the "Do you want to send an mistake report" pop-up coming up. What's worse is that McAfee updated itself and now I have $75 on my credit card. How can I fix this without uninstalling McAfee?

19 Nov 2008, 7:58 pm | click here for answers

Open Question: The Candela Corporation’s ?

The Candela Corporation’s 1. Using the Consolidated Statements of Cash Flows, prepare a summary analysis for the years ended July 3, 2004, June 28, 2003, and June 29, 2002. Analyze the cash flows for Candela Corporation, Inc. for every three years. 2. Explain what information you gain from the statement of cash flows that cannot be found directly from the balance sheet or income statement. CANDELA CORPORATION AND SUSIDIARIES CONSOLIDATED STATEMENTS OF CASH FLOWS For the years ended July 3, 2004, June 28, 2003 and June 29, 2002 (in thousands) 2004 2003 2002 (Restated) (Restated) Cash flows from operating activities: Net income (loss) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ 8,119 $ 6,814 $ (2,154) Adjustments to reconcile net income (loss) to net cash provided by (used for) operating activities: Provision for the disposal of discontinued operations . . . . 2,095 — — Loss from discontinued operations . . . . . . . . . . . . . . . . . . . . 298 1,013 743 Depreciation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 668 582 355 Accretion of imputted interest on stock warrants . . . . . . . — 475 102 Provision for bad debts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 520 (13) 116 Provision for deferred taxes . . . . . . . . . . . . . . . . . . . . . . . . . 955 (682) (115) Tax benefit from exercised stock options . . . . . . . . . . . . . . . (1,223) (505) (6) Effect of exchange rate changes on foreign currency denominated assets and liabilities . . . . . . . . . . . . . . . . . . . 26 36 (305) Changes in assets and liabilities: Restricted cash . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . (200) (57) — Accounts receivable . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . (7,663) (2,417) (3,525) Notes receivable . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 62 179 (54) Inventories . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . (2,134) 1,761 (1,661) Other current assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . (2,550) 225 175 Other assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . (236) 157 305 Accounts payable . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . (91) (1,409) (3,069) Accrued payroll and related expenses . . . . . . . . . . . . . . . 707 1,622 1,139 Deferred income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 548 574 24 Accrued warranty costs . . . . . . . . . . . . . . . . . . . . . . . . . . . 1,776 (921) 830 Income tax payable . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . (1,312) 4,168 (784) Other accrued liabilities . . . . . . . . . . . . . . . . . . . . . . . . . . . 767 53 813 Net cash provided by (used in) operating activities . . . . . . . . . . 1,132 11,655 (7,071) Cash flows from investing activities: Purchase of property, plant and equipment . . . . . . . . . . . . . (685) (1,227) (1,058) Net cash used in investing activities . . . . . . . . . . . . . . . . . . . . . . . (685) (1,227) (1,058) Cash flows from financing activities: Proceeds from issuance of common stock . . . . . . . . . . . . . . 4,707 4,620 394 Repurchases of treasury stock . . . . . . . . . . . . . . . . . . . . . . . . — — (5,215) Principal payments of long-term debt . . . . . . . . . . . . . . . . . — (3,330) (370) Net borrowings (repayments) on line of credit . . . . . . . . . . — (1,114) 50 Net cash provided by (used in) financing activities . . . . . . . . . . 4,707 176 (5,141) Effect of exchange rate changes on cash and cash equivalents . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 172 1,552 890 Net increase (decrease) on cash and cash equivalents . . . . . . . . 5,326 12,156 (12,380) Cash and cash equivalents, beginning of year . . . . . . . . . . . . . . . 31,813 19,657 32,037 Cash and cash equivalents, end of year . . . . . . . . . . . . . . . . . . . . $ 37,139 $ 31,813 $ 19,657 Cash paid during the year for: Interest . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ 15 $ 235 $ 347 Income Taxes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ 3,265 $ 751 $ (68)

19 Nov 2008, 5:54 pm | click here for answers

Open Question: failing so bad, and can't recover?

I am failing spanish 2 so badly! It's 7 weeks until the semester ends. There is no more wish for me. I have a D. Is there a way i can replace that grade? Maybe take a summer course? I never had a grade lower than a B on a semester grade before and my parents are going to freak! Ah, i try difficult and do study but when tests arrive, i fail miserably. Extra credit isn't given and scoring is not weighted which makes it more difficult. Grades are mostly depended on tests and i fail those! The highest grade i had for one was a B and that was one test! every the other tests i had were Fs and d's. Crimy. What can i do? I can't drop the class. ;\ Does colleges mind if i screw up this class first semester? CAuse my other classes are good and i'm taking one ap class this year (sophomore)

19 Nov 2008, 5:42 pm | click here for answers

Open Question: Should I accept a refund?

I bought a M&C jacket online and two months later, found a tiny defect in it. I had never noticed it before as it was well concealed and I only wore the jacket a couple of times. Since I had spent over $900 on it, I decided to call the store about it. The SA I spoke to agreed to take it back for a full refund. When they emailed me the return instructions, they also told me to email/fax them when I mailed the jacket so they could refund me for the return shipping cost as it was due to no fault of my possess that I was returning it. I emailed them back saying that I was grateful that they were even taking a return and that they didn't need to worry about the shipping charges. I mailed the jacket yesterday and got another email from customer service today asking me to email/fax them (my Canada Post receipt?) so that they can refund my credit card for the shipping charges. I don't know if I should go ahead and email them. It cost me $39 to boat the jacket back, but considering the fact that they even took the return after so long, I sort of feel bad taking a refund on shipping cost also. Do you think I should?

19 Nov 2008, 5:32 pm | click here for answers

Open Question: Can you please help me w/ Econ?

EXAMPLE: Lynn Stewart (the widow holding garage sales) accepted credit because she believed that the bank would only lend her money that she had the ability to repay. QUESTIONS: 1) How does the industry reinforce this belief? 2) What is the current lending industry's policy regarding the ability to pay? 3) What ate the best and worst possibilities for the future of debt in America? What needs to happen, what needs to change, for society to overcome its debt? **Please, I really need your help.

19 Nov 2008, 5:10 pm | click here for answers

Open Question: Anyone with bad credit get the H&R Block Emerald Advance Lone yet ?

I keep hearing that they are running a credit check and if you have anything bad on your credit regardless of your past history with HR Block you will not receive any loan this year ..Anyone having this issue with them?

19 Nov 2008, 5:03 pm | click here for answers

Open Question: Question about Credit Cards In Collections in Texas?

So, my husband and I have some credit card debt and some of it has gone into collections. He was out of work for a while and due to that we were unable to pay most of our bills. I was just wondering what this does to our credit? How badly does it affect it? Will we be able to buy a car or home with credit card collections on our credit? Will it affect it even worse if we go to a debt management program? Please serious answers only. Thanks.

19 Nov 2008, 5:02 pm | click here for answers

Open Question: friend with sexual addiction?

I already posted my question of concern. It regarded a pal of mine who I caught looking at child porn on the net. I comfronted him to which he replied it was the wrong link he had clicked on. I dont believe this. To make a long story short, he felt very bad and wants to receive help. He also mentioned that he never molested before, and never wants to. I will give him credit for him wanting to help himself! What do you every think of this?

19 Nov 2008, 4:46 pm | click here for answers

Open Question: I have trouble solving this wiley plus accounting problem do any know how to solve this problem?

P8-2A Journalize receivables transactions. At the beginning of the current period, Fassi Corp. had balances in Accounts Receivable of $400,000 and in Allowance for Doubtful Accounts of $22,000 (credit). During the period, it had net credit sales of $880,000 and collections of $951,000. It wrote off accounts receivable of $20,000. However, a $4,000 account written off as uncollectible was recovered before the end of the current period. Uncollectible accounts are estimated to total $23,000 at the end of the period. Instructions 1. Prepare the entry to record sales and collections during the period. 2. Prepare the entry to record the write-off of uncollectible accounts during the period. 3. Prepare the entries to record the recovery of the uncollectible account during the period. 4. Prepare the entry to record bad debts expense for the period. 5. Determine the ending balances in Accounts Receivable $ and Allowance for Doubtful Accounts. $ GENERAL JOURNAL Date Account Titles and ExplanationsDebitCredit (a) 880,000 880,000 951,000 951,000 (b) Allowance for Doubtful Accounts Accounts Receivable (c) Accounts Receivable Allowance for Doubtful Accounts 4,000 4,000 (d) Bad Debt Expense Allowance for Doubtful Accounts thank for your help

19 Nov 2008, 4:10 pm | click here for answers

Open Question: Bank Accounts without credit checks?

I am 21 currently a student and I moved out when I was 18. When 1st moved out I was very bad with money and have ruined my credit. I have a basic bank account currently with nationwide. But really would like to receive a debit card I have tried everywhere, Alliance and Lester rejected my request. Does any one have any suggestions to where I could receive an account where I can have direct debits etc and debit card that don't credit check. Ive also tried for student accounts but got rejected. Please help. Also any suggestions for how to build up my credit again... Will this be forever? I have a cash card, but no chip and pin with Nationwide. Which is what I'm really looking for. I havent tried talking to my University, but could do. Just find it difficult to talk about without bursting into tears as its getting me really down!

19 Nov 2008, 4:06 pm | click here for answers

Open Question: do anybody know how to this wileyplus accounting question?

19 Nov 2008, 4:04 pm | click here for answers

Open Question: Canceling a credit card lowers your credit score?

Is this true? If so, why? I want to cancel my Capitol One card since I only used it to build up my credit so that I can be eligible for my bank's credit card and other things, plus the fact that their customer service is horrendous and other bad experiences with them. Now that I have my bank's, I have no use for Capitol One. My credit score is in the "good" status, slowly creeping it's way up. I definitely don't want to screw that up.

19 Nov 2008, 4:02 pm | click here for answers

Open Question: What if every us citizen (over 18 & not in jail)got one million $ tax free. wouldn't that stimulate economy?

This question was posed a month ago. Yet it is a resolved question so I couldn't post a answer. So I'll start a new one. While this is a valid question that MANY have been asking. I personally think it is possible to do so. However,not with just a hand out of $1million dollars. We are seeing the down side to giving Hand outs and the abuse it causes by what's happening on Wall road. The way this could work would be by giving credits not a lump cash sum. Rather, a credit system. And it would be for US Citizens over the age of 18 not living overseas unless they are in the armed forces or working for a government agency and they must not be in Jail or have a Prior Felony history. At the start of the credit system, there would be a 2 year moratorium on price increases for anything purchased in the USA. This will create a two fold which I'll receive into later. The first draw the Citizen shall take wil be for housing. If they have an existing Mortgage, the moratorium shall state they must pay off their mortgage and stay in the home for at least 2 yrs or if they HAVE to move, they can only purchase a home of equal value. If the Citizen just lost their home to foreclosure, then they can take their credit and purchase a home at the same value as their home they lost to foreclosure. (if the home hasn't been sold by the bank, they must buy back their home from the bank) If they do not possess a home and are renting, they can purchase a home equal to the value that their income level would have allowed + $100,000.00. Or what a Mortgae payment would have been equal to their rent amount + $500.00. (which ever is the greater of the two) This will cease everyone from going out and buying homes way over what they normally would have been able to afford without the hand out. And the 2 yr moratorium on moving stands for everyone to insure that price gougeing will not take place. The second thing the US Citizen can do is draw a credit to pay off bad debt. Bad debt would be any medical bills, judgements, liens,repossessions, credit card debt. Then the 3rd draw would be to pay off their car. If their car is already paid off, or over 10 yrs old, they can purchase a new car of equal or comparative value at todays standards. In otherwords, If you possess a Honda Accord, you can't go out and buy a Brand New Cadillac Escalade. I think you can look where I'm going with this. The credit you take out isn't to overextend, rather receive you out of debt and stay in the lifestyle you are in and can afford without being strapped by mortgage, rent, car payments and bad debt. After every these credits are obtained, your employment can be evaluated. If you have lost your job, you can take a credit to go to school to reeducate yourself. If you are currently employed, the 2 yr moratorium stands. You stay employed so as not to disrupt the balance of everyone every of a sudden wanting to be Stock Brokers or MD's and no one wants to work at a retail store as a cashier. And hopefully after these 2 yrs, the economy will be back to an even keel that more jobs will be available so those out of work, or in school can obtain a decent job with decent pay. The 4th draw will be to create a retirement account. One that cannot be touched until the age of 65. The 5th draw will be to create a college fund for your child/kids that cannot be used for anything but college. The 6th draw will be to purchase health insurance. The credit will be extended for 2 yrs - giving you enough time to incorporate the payment into your budget, or hopefully have employer coverage by the 2 yr date. If you already have health insurance, you are exempt from this credit. Once everyone has a home, a car, bad debt paid off, health insurance, retirement funds, and college funds. Their credit is clip off. It's up to them to figure out how to keep from getting into overextended situations in the future. They can either take out home equity lines and run up their credit card debt, or be responsible and glad living within their means. This has been a tough 2-4 yrs for many. And I think if given this nice of opportunity - many will be content with their lifestyle and set goals and levels of success in steps, rather than with irresponsibile behaviour. Will this take monitoring%

19 Nov 2008, 3:40 pm | click here for answers

Open Question: What happens to your credit report after filling bankruptcy?

Does every the bad credit listed on your report just receive wiped out? Is there a bankruptcy listed on it? I heard you can receive credit very easily after filing bankruptcy as you cannot file bankruptcy for 7 years. Is that true? I heard its easy to rebuild your credit after.

19 Nov 2008, 3:30 pm | click here for answers

Open Question: Trying to get a credit card w/ semi-bad credit?

Okay, so I am trying to receive a credit card so I can build my credit up. I've only tried one place and I got denied because I have an unpaid phone bill from when I turned 18... unfortunately It wasn't even MY phone bill, I never used it and I didn't know that it was below my name... lets just say bad parents. I'm now a college student and I am trying to find a bank that would actually let me let sign up for one. If anyone could help that would be great. Thank you.

19 Nov 2008, 3:07 pm | click here for answers

Open Question: Will I have to have my credit checked to upgrade my phone from CPW to o2?

I'm hoping to upgrade my contract phone this Sunday from Carphone Warehouse for an iPhone 3G, trouble is they said I will have to receive my account transferred to o2 and receive my bills from there. What I want to know is, will I have to go through credit checks again for this transfer? If I was upgrading within CPW I wouldn't have to I was told. I just tried ordering an iPhone as a new customer from o2 to test it and as I though, I was declined as I've had bad credit this year and only sorting it out now. Any ideas? I am in contract, but it's with o2 Carphone Warehouse. To receive the iPhone I have to be transferred to the 'official' o2 network. This is where I'm a bit confused how it will work as technically I should have the same number.

19 Nov 2008, 2:52 pm | click here for answers

Open Question: Is it possible this case might get DISMISSED?

My pal stole her classmate's credit card and used it to buy textbooks at school (totaling 405 dollars). She was arrested by the campus police (at her college) but was later released on O.R. that night. She hired a lawyer. Her court date (arraignment date) was November 13th. However, the D.A.'s office told my lawyer they haven't received any of the files yet from the police. There is no information at every. Just nothing. Can this be possible? Is it possible her case will receive dismissed? It shouldn't take that long for a campus police (which is a tiny police station) to send the papers to the D.A. office, right? Or am I missing something here? If you don't think so, what is likely that will happen to her? We are both very worried, she is not a bad person..she just made a stupid mistake. For the record, the girl in her class forgives her, and isn't pressing charges, but she said it was also out of her hands what the police do. The incident happened October 16. The credit card company already reimbursed the victims card on October 17 or 18. She really isn't a bad person. She is seeing a therapist and has never done anything like this. It is her first offense and she has never done anything bad in her life. She couldn't afford textbooks for her school. She was wrong. But she is still a good person, I've known her every my life.

19 Nov 2008, 2:49 pm | click here for answers

Open Question: Is it possible to get a job when you have bad credit?

(bad credit in this case = filing for bankruptcy about 3 months ago)

19 Nov 2008, 2:24 pm | click here for answers

Open Question: Where can I get a $3,000 loan, using a car as collateral, with bad credit?

I have a car that is paid off that I can use to back the loan. I have horrible credit, but do NOT want to use a title loan/pawn place. Google is no help. Any suggestions?

19 Nov 2008, 1:56 pm | click here for answers

Open Question: No Credit Loan (not bad credit just no credit)?

I dont have bad credit I just have no credit and the major lenders in town wont loan me money without a co-signer or an active account on my credit. I do not have a co-signer. I am only looking for 3500 for moving cost and new funiture after a split-up. Does anyone know of a lender that will do tiny loans for no credit people???

19 Nov 2008, 1:51 pm | click here for answers

Open Question: Can I get a small auto loan with bad credit/huge debt?

I need 1-2K

19 Nov 2008, 1:25 pm | click here for answers

Open Question: I have bad credit, but my car died and I need a replacement?

What can I do? I have 100k+ to pay back for college and have 10k+ in medical collections (I was hit by a car and received needy medical treatment when I was unconscious, so I refuse to pay it) I need to borrow 1-2k to add to what I have to be able to receive a car to replace the one that died.

19 Nov 2008, 1:17 pm | click here for answers

Resolved Question: How can I compensate for bad credit?

I have really bad credit, and I am looking to move out (renting, not buying) with two other people in the next two months. As of now I have a steady job, and most of my bills that are in collections are medical bills. I'm not sure if this matters. Because of my credit, the Realtor who is showing us townhouses this weekend asked me to put together a package of my credit report, and any kinds of letters that would help me plead my case. I know I am not the only person who will be signing the lease, but I'd like for my future roommates not to be the only ones who have a good case of why the landlord should rent to us. I was told since I have been making good on my payments only the past 3 months by my bank that they cannot write me a letter of recommendation, but I can print out my statement that says I am up to date. What other kinds of letters do I need?

19 Nov 2008, 1:16 pm | click here for answers

Open Question: What do you think of my movie report?

Can I receive a opinion on a paper I need to write about a movie? This is an extra credit paper and I put 4 things at the bottom that it needs to have to recive full credit. This is for a collage class. Thanks for any help Pirates of Silicon Valley An intriguing character study of two of the most extra ordinary individuals of our modern technological era. The movie is centered on the race between Apple and Microsoft in the computer world. It shows how they each fought to be the dominate computer company. The premise is that a group of young 'nerds' or geeks (Jobs, Gates) saw the potential of computers when others didn't. In this film, we look the rise of the personal computer from two of most important players of the era, and along the way, we are shown how deeply power and wealth corrupts how dog eat dog the computer industry can be and how much the world changed in just a decade. This movie shows capitalism at its best and worst. The movie flows from moment to moment, historical event to historical event, over the course of two decades, following the exploits of the two most influential men of the computer industry. Jobs was a marketing genius and Gates a technical genius and that the junior and middle and senior managers at Xerox and IBM, etc., didn't stand a chance. The most significant scene in the movie and in possibly the entire history of computers, is the deal Bill Gates made to sell IBM the operating system DOS, which he hadn’t even written yet. At what became Apple, Steve Wozniak was a mathematical prodigy and his pal Steve Jobs was a visionary, a man who literally saw the future in front of his eyes when Xerox demo’s their GUI & mouse for him. One of the best lines comes from an HP exec talking to Steve Wozniac "Why would the average person ever want a computer?" The dual narration is brilliant, using the Steve Wozniak character to narrate the Apple story, while the Steve Ballmer character narrates the Microsoft side of things. This movie was well done for a smaller budget movie. There are very appropriate songs and soundtrack for the story. Knowing that you're watching a story about real people makes it every the more fascinating. I think at the end, we are really left hanging, partly because the film ends when things start to receive really interesting. Pirates of Silicon Valley is a remarkable look into the worlds of Microsoft and Apple Computers. This story is fascinating for both entertainment, and historical value and is a must look for anyone who uses a computer. 1. Provides a succinct plot summary without divulging too much of the film, and provides relevant examples from the film to buttress their opinions about its effectiveness. 2. Writer makes no errors in spelling, capitalization and punctuation. Double space 12-pt font 3. Writer makes no errors in character, paragraph or page formatting according to project specs. 4. Writer analyzes what worked and did not work in the film, opines the film's relevance to our course, and clearly states their recommendation for prospective audiences

19 Nov 2008, 1:11 pm | click here for answers

Open Question: i really dont want her to be mad she is family?

hey okay i live in va my sis lives in mississippi she has car insurance saturday a lady crashed into her messing up the back end my sis called me asking for money she says she has to pay a deductable... would she if it is the other partys fault? wouldnt the ladys insurance pay? wouldnt the lady be paying the deductable? can i view car accidents online? well she called me and asked for $500.00 okay i am out of work and have been since september my husband is working full time i mean we are getting by but i dont have extra i mean what am i supposed to do mind you my sis can be a little of a mooch and my husband is silly bout who his money goes to am i a bad sister if i tell her i dont have it i mean i cant receive it from him the only thing i can do is receive it off a credit card but i would go deeper in a whole how can i do this with out feeling bad or selfish

19 Nov 2008, 1:10 pm | click here for answers

Open Question: Will there be a new world order?

Benjamin Disraeli First British Prime Minister "The world is governed by very different personages from what is imagined by those who are not behind the scenes." -1844 "The governments of the gift day have to deal not merely with other government, with emperors, kings and ministers, but also with the secret societies which have everywhere their unscrupulous agents, and can at the last moment upset every the governments' plans." -1876 Woodrow Wilson U.S. President "Since I entered politics, I have chiefly had men's views confided to me privately. Some of the biggest men in the United States, in the field of commerce and manufacture are afraid of something. They know that there is a power somewhere so organized, so subtle, so watchful. so interlocked, so complete, so pervasive, that they better not talk over their breath when they talk in condemnation of it." -1913 "I have unwillingly ruined my country. A great industrial nation is controlled by it's system of credit. Our system of credit is concentrated in the hands of a few men. We have arrive to be one of the worst ruled, one of the most completely controlled and dominated governments in the free world...no longer a government of free opinion, no longer a government by conviction and role of the majority, but a government by the opinion and duress of tiny groups of dominant men." Henry Ford Industry Giant "It is well enough that people of the nation do not understand our banking and monetary system, for if they did, I believe there would be a revolution before tomorrow morning." "The one aim of these financiers is world control by the creation of inextinguishable debts." John F. Hylan Mayor of New York (1918-1925) "The real menace of our republic is this invisible government which like a giant octopus sprawls its slimy length over city, state, and nation. Like the octopus of real life, it operates below cover of a self created screen. At the head of this octopus are the Rockefeller Standard Oil interests and a tiny group of powerful banking houses generally referred to as international bankers. The little coterie of powerful international bankers virtually run the United States government for their possess greedy purposes. They practically control BOTH political parties." -1922 Joseph Kennedy U.S. Ambassador dad of JFK & RFK "Fifty men have run America, and that's a high figure." -1936 Curtis Dall FDR's Son-in-Law "For a long time I felt that FDR had developed many thoughts and ideas that were his possess to benefit this country, the United States. But he didn't. Most of his thoughts were carefully manufactured for him in advance by the Council on Foreign Relations-One World Money Group. The United Nations is but a long range, international banking apparatus clearly set up for financial and economic profit by a tiny group of powerful One-World revolutionaries, hungry for profit and power. The One-World government leaders and their ever close bankers have now acquired full control of the money and credit machinery of the U.S. via the creation of the privately owned Federal Reserve Bank." -quote from his book FDR: My Exploited dad-in-law Franklin D. Roosevelt U.S. President "The real truth of the matter is, as you and I know, that a financial element in the big centers has owned the Government ever since the days of Andrew Jackson." -1933 James Warburg Rothchild Banking Agent "We shall have world government whether or not you like it...by conquest or consent." -1950 Felix Frankfurter U.S. Supreme Court Justice "The real rulers in Washington are invisible, and exercises power from behind the scenes." -1952 William Fulbright U.S. Senator "The case for government by elites is irrefutable." -1963 Barry Goldwater U.S. Senator "The Trilateral Commission is intended to be the vehicle for multinational consolidation of the commercial and banking interests by seizing control of the political government of the United States. ...they will rule the future." -1964 Carroll Quigley, Ph.D. G.U. Professor of History "The powers of financial capitalism had another far reaching aim, nothing less than to create a world system of financial control in private hands able to dominate the political system of each country and the economy of the world as a whole." -1966 from Tragedy and wish David Rockefeller Trilateral Commission Founder "We are grateful to The Washington Post, The New York Times, Time Magazine and other great publications whose directors have attended our meetings and respected their promises of discretion for almost forty years. It would have been impossible for us to develop our plan for the world if we had been subject to the bright lights of publicity during those years. But the work is now much more sophisticated and prepared to march towards a world government. The supranational sovereignty of an intellectual elite and world bankers is surely prefer OK. Its obvious those of you who are giving me negative feedback didn't even READ WHAT I POSTED!!!!!! READ!!! READ!!!!----^^^ Flinger & Daniel, you already ASSUME I think there will be a New World Order. Why do you think I'm asking this question?? Idiots. "Some even believe we are part of a secret cabal working against the best interests of the United States, characterizing my family and me as 'internationalists' and of conspiring with others around the world to build a more integrated global political and economic structure - one world, if you will. If that's the charge, I stand guilty, and I am proud of it." - David Rockefeller, "Memoirs" autobiography (2002, Random home publishers), page 405

19 Nov 2008, 12:50 pm | click here for answers

Open Question: If I co-signed for a mortgage, is their anything I can do after 2 yrs to be release from that contract?

I co-signed for a cousin of mine, but its been 2 yrs and he doesn't want to refinance to remove me from the mortgage, which is causing me bad credit. Is there anything I can do on my part? HELP!!!!

19 Nov 2008, 12:13 pm | click here for answers

Open Question: The flashlight problem?

well, ive already have a hunch about the answer to this problem, but i wanna look other peoples answers. its extra credit for my statistics class, so it doesnt really matter, just for fun. ------------------------------------------------------------------------------------------------------ The flashlight problem the following problem allegedly is part of the Microsoft employee entrance exam. i dont beleive it. however, it is a very interesting problem that doesnt require any high-degree algebraic number theory to solve. The Beatles have only 17 minutes left to receive to their van so they can make it to thier next concert. to receive to their van, they hvae to cross a narrow bridge that only two of them can be on at a time. to make matters even worse, it is pitch black out and they only have a single flashlight with them. the flashlight must be walked across the bridge; it cannot be thrown.* it takes each of the beatles a different amount of time to cross the bridge, as noted: Paul's rate: 1 minute Johns Rate: 2 minutes Ringos rate: 5 minutes Georges rate: 10 minutes Any pair of the Beatles who walk across must walk at the slower ones pace. for example, if john and ringo walked together, it would take 5 minutes. Explain how the "Fab-Four" can receive across the bridge in the allotted 17 minutes in order to make it on time for their next concert! * in general, no "tricks" are used to solve the problem. You CANT have them swim, steer the van over and turn on the headlights, ride on each other's shoulders, build a new bridge, or any other tom-foolery. quit your belly-aching and just solve the problem ------------------------------------------------------------------------------------------------------ i know it says to just solve it, but like i said before, i just want to hear other peoples answers, so i can compare..

19 Nov 2008, 11:49 pm | click here for answers

Open Question: Why is Yahoo Answers keep on deleting my answers?

Question: If you drink cows milk will you also drink the puss My answer: No. How arrive Yahoo sent me notice of deletion? Here is the complete guidelines and I can not look what I had violated. This is the 99th times Yahoo violated me. Community Guidelines Yahoo! Answers is an online community in which participants ask and answer questions on a wide range of topics. Like any other community, we have a core set of principles that must be followed by every members. Your use of Yahoo! Answers is subject to the Yahoo! Answers Community Guidelines, Yahoo! Community Guidelines, and the Yahoo! Terms of Service. Violating the Community Guidelines may result in the termination of your Answers account without warning. In extreme cases, violations may result in the termination of your Yahoo! ID, and consequently, access to every other Yahoo! services. For safety reasons, kids below the age of 13 are not permitted to ask or answer questions on Yahoo! Answers. Good The community depends on each member to help keep Yahoo! Answers a safe, fun, and positive place for everyone. Anyone can report abuse, but members who earn good reputations can help us detect and remove abuse more quickly. Share what you know.Chances are, someone could benefit from your knowledge, opinions, or personal experiences. Sharing what you know is one of many ways you can make a positive contribution to the community. Read more Be courteous.Remember, we're a diverse community of people with diverse opinions. Everyone wants to be treated with respect, and showing respect to others makes the community better for every members. Read more Be a good citizen.When you look a great question or answer, give it a star or thumbs-up. If you look abuse, report it. We're committed to doing our best to cease abuse on Answers, and, with your help, we can make a difference. Read more Cite your sources.We encourage members to use online resources in answering questions. Just be sure to cite your sources and give credit where it is due. Read more Ask clearly.Keep your questions succinct, but be descriptive enough to help people understand what you're asking. Correct spelling and grammar help people find your questions, and you'll receive better answers when others can clearly make out what you're asking. Read more Categorize correctly.Categorize your question correctly. Placing your question in the right category ensures that it is seen by people who can give you better information and more accurate answers. Yahoo! Answers is available in many countries and languages, so find the right one for your location or language. Read more Bad Your use of Yahoo! Answers is subject to the Yahoo! Answers Community Guidelines, Yahoo! Community Guidelines, and also the Yahoo! Terms of Service. Members who have violated the Community Guidelines are at risk for review and possible termination of their Answers accounts. In extreme cases, members risk losing their Yahoo! ID, and consequently, access to every other Yahoo! services. Venting, ranting or using hate speechYahoo! Answers isn't a soapbox to vent personal frustrations or rant about issues. We are a community of people with diverse beliefs, opinions, and backgrounds, so please be respectful and keep hateful and incendiary comments off Yahoo! Answers. Read more > Chatting or otherwise violating the question-and-answer format.Yahoo! Answers is a community of questions and answers, not a chat room. If a post is neither a question nor an answer, it doesn’t belong here. If you’re looking for a place to chat with others, try Yahoo! Groups or Yahoo! Messenger Chat Rooms. Read more Being mean or obsceneBecause kids as young as 13 may participate in Yahoo! Answers, sexually explicit and vulgar language and images are not welcome on the site. Also not welcome are belligerence, insults, slurs and generally objectionable speech. If you wouldn't say it in public, don't post it on Answers. Read more Exploiting the communityYahoo! Answers is a place to gain knowledge, not customers, page views, or dates. If you have years of experience in something, have a special hobby, possess your possess business, or if you are a knowledge partner, it's OK to accompany a good, on-topic answer with a link to your website, blog, or email to offer more information. However, it is not OK to post links that are unrelated to the topic or are clearly meant only to solicit others for personal and financial gain. Also prohibited are solicitations like "Will you add me as a contact?" or propositioning people. Read more CheatingOur points system is meant to reward the community members for sharing questions and answers, so creating multiple accounts or posting content for the sole purpose of gaining points or soliciting others for points is not permitted. Posting filler answers to a question in an effort to be first to answer, or copying and pasting other members' answers, are also forms of cheating. Read more Violating the lawMembers of Yahoo! Answer

19 Nov 2008, 11:41 pm | click here for answers

Open Question: If I diligently pay the balance on a repossessed car, will it still reflect bad on my credit?

I need to return a car to the dealer because I can not pay 2 cars in my name. The dealer told me that when the car is returned, they will put it in auction and then contact me for the balance and from there, I can make payment arrangement. If that is so, and I pay the balance based on the arrangement, will it keep my credit?

19 Nov 2008, 11:32 am | click here for answers

Open Question: How do I keep my boyfriend from losing everything?!?

My boyfriend's worst habit is that he is constantly losing everything! His keys, wallet, cell phone, bills, license, credit cards, check book and most importantly his inhaler! He has extremely bad asthma and uses his inhaler every the time, the only problem is he loses it at least once a day. And then he gets into such a panic that he gets an asthma attack from the stress of looking for it. Does anyone have any ideas of how I can help him with this? Please help! My sanity depends on it! I can only look for his inhaler so many times in one week before I go insane myself.

19 Nov 2008, 11:25 am | click here for answers

Open Question: renting with bad credit?

i'm in the process of getting a divorce, my credit is suffering because of it. Will renting a property be a major issue?

19 Nov 2008, 11:23 am | click here for answers

Open Question: Thinking about and accounting degree. Is it a bad idea?

Ok, so I'm 31. I only have like 42 credits currently. I have a 12 year old son who I stayed at home with for most of his childhood. I've gone to school off and on. I went to devry for one semester a long time ago and have gone off an on to a local university. At one point I took a class at a tech institute in hopes of pursuing a rad tech degree but then decided, the medical field is definitely not for me. ANYWAY. I'm obviously sporadic and I'm certainly unorganized. I have horrible credit and have nice of just screwed off a lot. And YET, I'm thinking about majoring in accounting. Does this seem crazy? My reasoning is that I just want something that is practical and factual. Something I can make a decent living at. I figure with accounting, there is nothing gutwretchingly wrong about my decision that will make me change my mind. I also thought that focusing on this degree will actually help me to become more organized. I'm also nice of an anxious person. Ok, so let me have it. Any opinions? *an* accounting degree

19 Nov 2008, 11:03 am | click here for answers

Open Question: Please Help me figure out what to do?

I desperately need to find a company that can help me. I need a loan for at least $3200 I have look just about everywhere online but every I've found where scams. Prosper.com isn't taking on new applicants at this time.What else is out there that I am not finding. My credit score is very low last I checked it was 519 and may be lower now with as many times as I've applied online today.Are there legitimate companies that will help people with very bad credit? I live in Iowa I don't know if that matters or not but just in case it helps Thanks in advance to every those who answer :)

19 Nov 2008, 11:02 am | click here for answers

Open Question: Is there a place to take out a loan that doesnt go by credit?

I am wanting to take out a loan. I have some debt and I thought I could take out a loan and pay them off so that I only have one bill instead of like 4 that are not being paid at this moment. So I was wondering if there was any place that I can take out a loan that doesnt go by credit. Ive heard if you have bad credit you cant receive a loan, But I mean..Im doing it so I can pay off my debt to receive my credit built back up and so itll be easier with only one payment which will be my loan payment. Help. Thank you

19 Nov 2008, 11:01 pm | click here for answers

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