i need a car loan and need a legitimate legal company to erase my bad credit on report to raise my score. Help appreciated, thank you and God bless

i need a car loan and need a legitimate legal company to erase my bad credit on report to raise my score. Help appreciated, thank you and God bless

Hi, I have been desperate to move out of my terraced house all year. we moved in in January 2009, and we have had countless problems with the property. Damp, unproffessional letting agents, rodents, gas leaks etc. It has been so stressful, but we have found it difficult to get the time to move. I viewed a flat on monday with my partner who i currently lived with, we really loved it, it was perfect. We both work (I, part time and my partner full time) I am also a full time student and i get maintenance money to help with my living costs when i return to study in september. The letting agents said that the property is ours 'subject to references'. I paid the admin fee (£120.00 for both of us, so £60.00 each, which having viewed properties all year has been one of the lowest charges yet). I am concerned if we will be approved for the property due to me and my partner moving into new jobs only a matter of 2 months ago. They carried out the credit check on me whilst i was there, they said i have a very high score. I know my reference will be good from our letting agents as we have paid regularly and not done any damage to the property (im a little concerned however, that because they are so unproffessional they often got fed up of me reporting the countless issues with the property, and worried they might bad mouth me for that? we also do not get on with the landlord becuase he has refused to carry out repairs and refused to let the letting agent carry out repairs on his behalf). We don't have pets, children nor do we smoke. However, when we mentioed the length of time we have been in our current jobs (me, 5 weeks, my partner, 2 months) they were a little bit funny about it which i can understand. We have worked before this however, we just switched jobs. With all the above information, what are the chances of them letting us rent this property? the only negative point is the length of time we have been in our current jobs. We will be made permanent after 13 weeks (which is about 4 weeks away for my partner and 8 weeks away for me) we are hard workers and i have never been refused to be made permanent in a job after my probation period. They said they need to obtain references from our employers too, what do they ask employers? If people with experience in letting could ease my mind i would be very grateful. we have had a terrible experience in this property, and it would be a dream come true if we could move to the flat we have seen. Thank you.

Hi, I have been desperate to move out of my terraced house all year. we moved in in January 2009, and we have had countless problems with the property. Damp, unproffessional letting agents, rodents, gas leaks etc. It has been so stressful, but we have found it difficult to get the time to move. I viewed a flat on monday with my partner who i currently lived with, we really loved it, it was perfect. We both work (I, part time and my partner full time) I am also a full time student and i get maintenance money to help with my living costs when i return to study in september. The letting agents said that the property is ours 'subject to references'. I paid the admin fee (£120.00 for both of us, so £60.00 each, which having viewed properties all year has been one of the lowest charges yet). I am concerned if we will be approved for the property due to me and my partner moving into new jobs only a matter of 2 months ago. They carried out the credit check on me whilst i was there, they said i have a very high score. I know my reference will be good from our letting agents as we have paid regularly and not done any damage to the property (im a little concerned however, that because they are so unproffessional they often got fed up of me reporting the countless issues with the property, and worried they might bad mouth me for that? we also do not get on with the landlord becuase he has refused to carry out repairs and refused to let the letting agent carry out repairs on his behalf). We don't have pets, children nor do we smoke. However, when we mentioed the length of time we have been in our current jobs (me, 5 weeks, my partner, 2 months) they were a little bit funny about it which i can understand. We have worked before this however, we just switched jobs. With all the above information, what are the chances of them letting us rent this property? the only negative point is the length of time we have been in our current jobs. We will be made permanent after 13 weeks (which is about 4 weeks away for my partner and 8 weeks away for me) we are hard workers and i have never been refused to be made permanent in a job after my probation period. They said they need to obtain references from our employers too, what do they ask employers? If people with experience in letting could ease my mind i would be very grateful. we have had a terrible experience in this property, and it would be a dream come true if we could move to the flat we have seen. Thank you.

Im going to lay down what happened and I would appreciate your opinion. It started when my 2007 gs eclipse clutch gave out the dealership close to my house wasn't a very professional looking place when it came to their shop they mistreated the cars that where there and had old rusted cars parked in their lot. So, I did not want to get it repaired there, I made a big fuss with mitsubishi but after sitting the car in my lot for 2 months I lost my job and I had to get it fixed there anyway cause of warranty issues and I needed my car to look for another job i'm a truck driver that's why it took 2 months and my car had 7000 miles on it i hardly ever used it. I noticed that after I had it back the cruise control wasn't working I didn't take it back because of the fear of something worse happening to it. My mom suggested that I get repair by my cousins husband so my mom handed me her cell phone called him and told me to bring it in the morning because he worked all day til 7pm and if i couldn't get to him to leave the key under the plant in front of the garage door (that call was on 6-24-09). I tried to get there early enough (6-25-09) but i missed him and no one was home so I placed the key under the plant and left I told the police officer that I had made a call to him after dropping the key but the phone number to reach him was on my moms cell phone. I thought I did I couldn't remember because I came back a day later for the car. After I walked home I thought id leave it there a day so he could find the problem, since he gets home at 7pm. When I got there on 6-26-09 my car wasn't there and they said they never saw it there so i called the police to see if it was towed it wasn't and the key wasn't there either, police came over and took my statement but on the report he stated that the car was stolen on 6-26-09 and the phone number I used to call to tell them I was leaving the car there was written down wrong. The insurance company said that the inconsistencies where that I did not use my cell to make a phone call on the 6-24-09 or 6-25-09 I told them that i used my mothers cell phone in the oath recorded meeting they recorded my statement a week after i reported my car stolen and i failed to tell them i used my mothers cell phone but they didn't ask and I also told them I called when I placed the key under the plant but I was confused because I had called my cousin twice on 6-24-09. I never failed to make a payment on any of my bills and i have good credit score I'm in fact almost done with my car payment. They also brought to my attention that I tried to sell the car but i have proof that i've been trying to sell my car since 2008 and there was a buyer and i have his emails that offered to buy my car with a $1000.00 profit for me. please tell me what do think i should do about this situation? ans. 1l: I got a loan from the bank to purchase the car in jan 1-07 ans 2: I have full coverage still paying the monthly payments from insurance theft, comprehensive bank would not give me the loan otherwise ans 3:car was parked on public street in front of my cousins house I locked and windows where rolled up car had automatic lock after 5 mins also. ans 4: My cousins house has a fenced in lawn the entrance to access the lawn and to the front door is through the drive way in front of the car garage door I heard that if its a fenced in lawn your allowed to release your dog in the front lawn so I think its private ans 5 & 6: I called the police 6pm 6-26-09 I did not manage to get police info but im sure its in the report ans 7: I did get a police report insurance company asked for and I provided right away but it seems they only gave me the first page. Also the car was never recovered so its not certain they used the key my cousin has little kids that could of found it first.

Im going to lay down what happened and I would appreciate your opinion. It started when my 2007 gs eclipse clutch gave out the dealership close to my house wasn't a very professional looking place when it came to their shop they mistreated the cars that where there and had old rusted cars parked in their lot. So, I did not want to get it repaired there, I made a big fuss with mitsubishi but after sitting the car in my lot for 2 months I lost my job and I had to get it fixed there anyway cause of warranty issues and I needed my car to look for another job i'm a truck driver that's why it took 2 months and my car had 7000 miles on it i hardly ever used it. I noticed that after I had it back the cruise control wasn't working I didn't take it back because of the fear of something worse happening to it. My mom suggested that I get repair by my cousins husband so my mom handed me her cell phone called him and told me to bring it in the morning because he worked all day til 7pm and if i couldn't get to him to leave the key under the plant in front of the garage door (that call was on 6-24-09). I tried to get there early enough (6-25-09) but i missed him and no one was home so I placed the key under the plant and left I told the police officer that I had made a call to him after dropping the key but the phone number to reach him was on my moms cell phone. I thought I did I couldn't remember because I came back a day later for the car. After I walked home I thought id leave it there a day so he could find the problem, since he gets home at 7pm. When I got there on 6-26-09 my car wasn't there and they said they never saw it there so i called the police to see if it was towed it wasn't and the key wasn't there either, police came over and took my statement but on the report he stated that the car was stolen on 6-26-09 and the phone number I used to call to tell them I was leaving the car there was written down wrong. The insurance company said that the inconsistencies where that I did not use my cell to make a phone call on the 6-24-09 or 6-25-09 I told them that i used my mothers cell phone in the oath recorded meeting they recorded my statement a week after i reported my car stolen and i failed to tell them i used my mothers cell phone but they didn't ask and I also told them I called when I placed the key under the plant but I was confused because I had called my cousin twice on 6-24-09. I never failed to make a payment on any of my bills and i have good credit score I'm in fact almost done with my car payment. They also brought to my attention that I tried to sell the car but i have proof that i've been trying to sell my car since 2008 and there was a buyer and i have his emails that offered to buy my car with a $1000.00 profit for me. please tell me what do think i should do about this situation? ans. 1l: I got a loan from the bank to purchase the car in jan 1-07 ans 2: I have full coverage still paying the monthly payments from insurance theft, comprehensive bank would not give me the loan otherwise ans 3:car was parked on public street in front of my cousins house I locked and windows where rolled up car had automatic lock after 5 mins also. ans 4: My cousins house has a fenced in lawn the entrance to access the lawn and to the front door is through the drive way in front of the car garage door I heard that if its a fenced in lawn your allowed to release your dog in the front lawn so I think its private ans 5 & 6: I called the police 6pm 6-26-09 I did not manage to get police info but im sure its in the report ans 7: I did get a police report insurance company asked for and I provided right away but it seems they only gave me the first page. Also the car was never recovered so its not certain they used the key my cousin has little kids that could of found it first.

Hi, Ive been desperate to move out of my current property all year, we have had a total nightmare; damp, rats, boiler breaking, gas leaks etc. We currently rent through a letting agent, who act on behalf of the landlord, however the landlord is really bad and advises them not to carry out repairs, he even managed to get hold of my mobile number last year and gave me some abusive phone calls! Bit of back ground there! just to emphasise just how much we need to get out! Me and my partner finally found a flat yesterday with a letting agents who have a great reputation. They carried out my credit check and said it was great, they just needed to get references from both me and my partners employers, and our current letting agent. They said its ours subject to our references, but i really cannto understand what they would be asking an employer? My partner says its so they can verify you work there and how much you earn? Im not bad at my job, both me and my partner have very new jobs and have only worked for the companies we work for for a couple of months, just curious as to what they need to ask? I have always paid rent on time and in full the whole time i have been at this property, so im not too concerned about my reference form them, but my current letting agency are very unproffessional and see me as a pain in the neck as ive followed correct legal procedures to get work done in the property, what exactly do they ask your current agency? If any one who has experience in letting, and letting agencies please respond :) Im curious as its subject to our references we get this property, and after all the problems we have had here we need to get out! Thank you.

Hi, Ive been desperate to move out of my current property all year, we have had a total nightmare; damp, rats, boiler breaking, gas leaks etc. We currently rent through a letting agent, who act on behalf of the landlord, however the landlord is really bad and advises them not to carry out repairs, he even managed to get hold of my mobile number last year and gave me some abusive phone calls! Bit of back ground there! just to emphasise just how much we need to get out! Me and my partner finally found a flat yesterday with a letting agents who have a great reputation. They carried out my credit check and said it was great, they just needed to get references from both me and my partners employers, and our current letting agent. They said its ours subject to our references, but i really cannto understand what they would be asking an employer? My partner says its so they can verify you work there and how much you earn? Im not bad at my job, both me and my partner have very new jobs and have only worked for the companies we work for for a couple of months, just curious as to what they need to ask? I have always paid rent on time and in full the whole time i have been at this property, so im not too concerned about my reference form them, but my current letting agency are very unproffessional and see me as a pain in the neck as ive followed correct legal procedures to get work done in the property, what exactly do they ask your current agency? If any one who has experience in letting, and letting agencies please respond :) Im curious as its subject to our references we get this property, and after all the problems we have had here we need to get out! Thank you.

Okay everyone-- here's my story. Get some popcorn. My husband and I own our home and have been going to college. He just graduated and got a fantastic job making good money. I graduate in December and am contracted to work as soon as I graduate (RN). Needless to say, we struggled for a few years to pay our bills and we damaged our credit specically in the last year. Its pretty bad, so please don't make me feel worse then I already do. 1. 4 30 day late payments on my mortgage. 2. 9000 dollars in credit debt with a limit of 10,000 (thats a whopping 90% debt) 3. 4 accounts in collections each for 50 dollars 4. 437 in one charge in collections which I am disputing due to this is from when my bank card was stolen 5. One active credit card has a 30, 60 and 90 day late due to me thinking the card was paid off and I didnt pay it. Then we have student loan debts (50,000) and our Car loans which have no lates. Needless to say our credit plummited from 680 last year to 500! I am horrified and have cried over this. I am not financially irresponsible, the stress of both of us graduating college, we had a baby, and my mother is dying made this a HARD year. Enough of my sob story. If anyone can give me guidance on where to start to fix this mess. I plan on starting to pay the credit debt down. How do I handle the collections? How do I get late payments off my credit report? The reason I am so upset-- we need to move in a year and half due to my husbands job. We have to move to Washington DC. I am hoping that I can get our credit up to 680-ish so we can get a home loan. Any advice would help. Am I nuts to think I can do this kind of improvement in a year and half? Please Help! A family in PA who want to get our lives back on track need some advice. Thanks! I am annoyed by the person stating we were greedy. I am not asking to be passed judgement. We pay taxes and have gotten college degrees in noble professions. Our cars are used, not new. I do not pass judgement on you, so please keep the personal opinions to yourself. I am looking for advice. I, as a nurse, would never judge you for your reasons for seeking healthcare, therefore do not judge me for seeking help on credit repair.

Okay everyone-- here's my story. Get some popcorn. My husband and I own our home and have been going to college. He just graduated and got a fantastic job making good money. I graduate in December and am contracted to work as soon as I graduate (RN). Needless to say, we struggled for a few years to pay our bills and we damaged our credit specically in the last year. Its pretty bad, so please don't make me feel worse then I already do. 1. 4 30 day late payments on my mortgage. 2. 9000 dollars in credit debt with a limit of 10,000 (thats a whopping 90% debt) 3. 4 accounts in collections each for 50 dollars 4. 437 in one charge in collections which I am disputing due to this is from when my bank card was stolen 5. One active credit card has a 30, 60 and 90 day late due to me thinking the card was paid off and I didnt pay it. Then we have student loan debts (50,000) and our Car loans which have no lates. Needless to say our credit plummited from 680 last year to 500! I am horrified and have cried over this. I am not financially irresponsible, the stress of both of us graduating college, we had a baby, and my mother is dying made this a HARD year. Enough of my sob story. If anyone can give me guidance on where to start to fix this mess. I plan on starting to pay the credit debt down. How do I handle the collections? How do I get late payments off my credit report? The reason I am so upset-- we need to move in a year and half due to my husbands job. We have to move to Washington DC. I am hoping that I can get our credit up to 680-ish so we can get a home loan. Any advice would help. Am I nuts to think I can do this kind of improvement in a year and half? Please Help! A family in PA who want to get our lives back on track need some advice. Thanks! I am annoyed by the person stating we were greedy. I am not asking to be passed judgement. We pay taxes and have gotten college degrees in noble professions. Our cars are used, not new. I do not pass judgement on you, so please keep the personal opinions to yourself. I am looking for advice. I, as a nurse, would never judge you for your reasons for seeking healthcare, therefore do not judge me for seeking help on credit repair.

In December 2009 my 6 year old pug Dunkin decided to squeeze under the fence in the back yard into the neighbors yard. The result was that my neighbors dog, a Chow Shepard mix, attacked him. She actually is a very sweet dog to people, but is very territorial and didn't care for him entering her property. We have been in this house for 2 years and he has never gotten out before. I immediately rushed him to the vet, where they took an x-ray, bandaged him up (charged me $180) and told us to take him to the emergency vet clinic about 20 minutes away b/c they couldn't help him. At the emergency vet clinic they gave him some pain meds and opened up his wound to assess the injuries. After waiting there for about two hours I was told to go home and they would call me after while when he was stable to give me more information. About 1am that night, I awoke to a phone call from the ER telling me that it appeared that his injuries were pretty serious and more than they could handle. At the time my choice was to put him down or take him to a special surgeon an hour away and see if they could help. I elected to take him to the surgeon b/c I was not willing to give up on my little guy just like that. The next morning at 8am I picked him up from the clinic and took him to the specialist (the clinic insisted on keeping him over night to keep him on pain meds and in IV). When I picked him up he didn't open his eyes and was hooked up to an IV bag and a catheter. I carried him to the car after paying this ER vet another $1800 for his over night stay and medication. The specialist was very nice and took great care of my little guy. He was in pretty bad shape and had to have several surgeries to repair the damage to his leg. He also became endemic and required a blood transfusion. He was in the hospital for over a week, but he pulled through. He came home right before Christmas. He was still very sore and swollen and unable to walk, however he was alive and that was all I cared about. The bill for this care came to about $3,900 from this clinic putting my total cost at just under $6,000. I was only able to pay for his care by putting the $6,000 on my credit card. Needless to say, I am still struggling to pay the bill each month. I love my dog and if I had to do it all over again, I would do it exactly the same. I'm just wondering if there are any charities out there that might help by giving me some of this expense back? I tried to google the situation, but each charity I've found will only help if you make under $20,000 a year and I make about $45,000. I realize that to some that is a decent salary, however I have plenty of expenses including a mortgage, car payment and student loans. I have always been very responsible with my credit and didn't have any credit card debt until this situation happened. Also from what I've read, most charities only assist by paying the vet directly and in my case I've already paid the bill. I'm just trying to see if I can re-coop some of the cost to pay my credit card down or off. I have all the bills and pictures of my little guy showing how bad his injuries were. I'm just looking for a bit of help if possible. DeeDawg, it's not my motorcycle in the pic. I have sold a ton of stuff already, but nothing worth $6,000. Mostly old electronics and stuff on ebay which didn't make more than $20-50 a pop. All the money was paid to my credit card however, but I still owe about $5,000 I realize there are others less fortunate than me and I'm not looking for pity, just thought I would ask if anyone knew where I could get some help if it was even possible

In December 2009 my 6 year old pug Dunkin decided to squeeze under the fence in the back yard into the neighbors yard. The result was that my neighbors dog, a Chow Shepard mix, attacked him. She actually is a very sweet dog to people, but is very territorial and didn't care for him entering her property. We have been in this house for 2 years and he has never gotten out before. I immediately rushed him to the vet, where they took an x-ray, bandaged him up (charged me $180) and told us to take him to the emergency vet clinic about 20 minutes away b/c they couldn't help him. At the emergency vet clinic they gave him some pain meds and opened up his wound to assess the injuries. After waiting there for about two hours I was told to go home and they would call me after while when he was stable to give me more information. About 1am that night, I awoke to a phone call from the ER telling me that it appeared that his injuries were pretty serious and more than they could handle. At the time my choice was to put him down or take him to a special surgeon an hour away and see if they could help. I elected to take him to the surgeon b/c I was not willing to give up on my little guy just like that. The next morning at 8am I picked him up from the clinic and took him to the specialist (the clinic insisted on keeping him over night to keep him on pain meds and in IV). When I picked him up he didn't open his eyes and was hooked up to an IV bag and a catheter. I carried him to the car after paying this ER vet another $1800 for his over night stay and medication. The specialist was very nice and took great care of my little guy. He was in pretty bad shape and had to have several surgeries to repair the damage to his leg. He also became endemic and required a blood transfusion. He was in the hospital for over a week, but he pulled through. He came home right before Christmas. He was still very sore and swollen and unable to walk, however he was alive and that was all I cared about. The bill for this care came to about $3,900 from this clinic putting my total cost at just under $6,000. I was only able to pay for his care by putting the $6,000 on my credit card. Needless to say, I am still struggling to pay the bill each month. I love my dog and if I had to do it all over again, I would do it exactly the same. I'm just wondering if there are any charities out there that might help by giving me some of this expense back? I tried to google the situation, but each charity I've found will only help if you make under $20,000 a year and I make about $45,000. I realize that to some that is a decent salary, however I have plenty of expenses including a mortgage, car payment and student loans. I have always been very responsible with my credit and didn't have any credit card debt until this situation happened. Also from what I've read, most charities only assist by paying the vet directly and in my case I've already paid the bill. I'm just trying to see if I can re-coop some of the cost to pay my credit card down or off. I have all the bills and pictures of my little guy showing how bad his injuries were. I'm just looking for a bit of help if possible. DeeDawg, it's not my motorcycle in the pic. I have sold a ton of stuff already, but nothing worth $6,000. Mostly old electronics and stuff on ebay which didn't make more than $20-50 a pop. All the money was paid to my credit card however, but I still owe about $5,000 I realize there are others less fortunate than me and I'm not looking for pity, just thought I would ask if anyone knew where I could get some help if it was even possible

I had a good score over a year ago, and now it's gotten bad. Through a series of small mishaps, and a card with a too-high revolving balance it has gone down. I need advice about a good place to go based on 3 things: 1) price of consulting them 2) good customer service/customer relations 3) success rate with other clients Thanks! Also, I live in the southeast region (so it helps to have names of companies that don't only exist somewhere else, lol)

I had a good score over a year ago, and now it's gotten bad. Through a series of small mishaps, and a card with a too-high revolving balance it has gone down. I need advice about a good place to go based on 3 things: 1) price of consulting them 2) good customer service/customer relations 3) success rate with other clients Thanks! Also, I live in the southeast region (so it helps to have names of companies that don't only exist somewhere else, lol)

If you settle a debt for a lower amount than you owe, is that still looked at as bad??Im trying to repair my credit and although im told that paying off old debts does not really improve your score im trying to pay them off because im looking into trying to purchase my first home in a few years.Someone told me if i settle that it still does not look good because i did not pay back in full. Ill appreciate any feedback espically if you work in the industry where you have to look at peoples credit report to determine whether they qualify. Thanks alot

If you settle a debt for a lower amount than you owe, is that still looked at as bad??Im trying to repair my credit and although im told that paying off old debts does not really improve your score im trying to pay them off because im looking into trying to purchase my first home in a few years.Someone told me if i settle that it still does not look good because i did not pay back in full. Ill appreciate any feedback espically if you work in the industry where you have to look at peoples credit report to determine whether they qualify. Thanks alot

I am not old enough to get senior grants and I am on disability so I can't pay someone (and I have had calls from people willing to look for grants for me if I pay them money each month they search) to search for grants for me. I don't get enough money for a loan and have bad credit. I don't even have enough money to eat right let alone pay back a loan. I don't know how those television (like fix this house) work. They never say if you have to pay for it or if they do it. Anyway, I live where grant money is scarce and I could probably ask every celebrity out there for help and get no reply. I need a new roof and flooring as well as an electrical box for my dryer, also a new garage door. I live by myself and have advertised for a housemate but there is only one bedroom on main floor and the two upstairs are full of storage stuff and junk which I cannot get anyone to help fix them up for bedrooms. I need help! I don't know what the community guidelines are. I just know that I have been to county commissioner who sent me to department of development who had me fill out papers for(she said) a grant with the USDA Rural Development (they were loan papers and I was turned down. I wrote them myself and was told I wasn't old enough to get help from them and did not have enough money to pay back a low interest loan from them which I already knew or wouldn't be trying to find a grant). In answer to one person who kindly answered my question. I have no family that can help me or I would have mentioned that in my question. If I did have family help I would not be looking for grant money to help. I was given this house by my step-mother long before she died because I have taken care of all my parents here until they died. This house was first my mother's who I watched die day by day at age 19-20 of lung cancer in 1977. According to papers I have found, my parents bought this house in 1972. My wish is to keep it as the family home and pass it on to my only child so that no one in my family (what little I have) will never have to worry about being homeless. Yes, there are community grants but I am having trouble with finding and getting them before the money is used up on people who have old metal plumbing and other things that are(in my eyes) less severe than a weakening roof.

I am not old enough to get senior grants and I am on disability so I can't pay someone (and I have had calls from people willing to look for grants for me if I pay them money each month they search) to search for grants for me. I don't get enough money for a loan and have bad credit. I don't even have enough money to eat right let alone pay back a loan. I don't know how those television (like fix this house) work. They never say if you have to pay for it or if they do it. Anyway, I live where grant money is scarce and I could probably ask every celebrity out there for help and get no reply. I need a new roof and flooring as well as an electrical box for my dryer, also a new garage door. I live by myself and have advertised for a housemate but there is only one bedroom on main floor and the two upstairs are full of storage stuff and junk which I cannot get anyone to help fix them up for bedrooms. I need help! I don't know what the community guidelines are. I just know that I have been to county commissioner who sent me to department of development who had me fill out papers for(she said) a grant with the USDA Rural Development (they were loan papers and I was turned down. I wrote them myself and was told I wasn't old enough to get help from them and did not have enough money to pay back a low interest loan from them which I already knew or wouldn't be trying to find a grant). In answer to one person who kindly answered my question. I have no family that can help me or I would have mentioned that in my question. If I did have family help I would not be looking for grant money to help. I was given this house by my step-mother long before she died because I have taken care of all my parents here until they died. This house was first my mother's who I watched die day by day at age 19-20 of lung cancer in 1977. According to papers I have found, my parents bought this house in 1972. My wish is to keep it as the family home and pass it on to my only child so that no one in my family (what little I have) will never have to worry about being homeless. Yes, there are community grants but I am having trouble with finding and getting them before the money is used up on people who have old metal plumbing and other things that are(in my eyes) less severe than a weakening roof.

Attendance is costing me about $19k a year, just finished my first year... I'm paying it with loans, all of which are deferred. I've been working two jobs (55+ hrs a week) in hopes of getting a car at the end of the summer, I'll probably be spending $2-3k on it, I currently have about $1000. The car greatly increase the likelihood of me getting a job during next semester (I'll have to quit my current ones since my college is far away from home). Once I have a job I plan on getting an apartment in town with 6-7 friends. We've been talking about it for a bit though I'm not sure if it'll all work out with each of them; worst (or perhaps best?) case scenario it's just me and my girlfriend. An apartment in town means I don't have to take out a loan for room and board (about $13k a year) and I can keep a job all the time, not working in silly 3 month periods. I can't stand living in my parents home any longer anyway... I'm shooting for total independence. ALL THIS CONSIDERED: Would be detrimental to me to have a credit card? I believe I understand the value of hard earned money and don't have too much of a spending problem (not that those who do tend to acknowledge it...) It's purpose would be for medical emergencies and financing auto repairs. I'm hesitant only because my mother believes it will hurt me no matter how good I am about paying the bill on time. I feel that I would have the best chance in applying now since my projected yearly income is higher than it has been and probably will be until next summer Advice on ANY aspect of my situation is appreciated, though I like to think my plan is well thought out (don't we all?). But mostly: should I get a credit card?

Attendance is costing me about $19k a year, just finished my first year... I'm paying it with loans, all of which are deferred. I've been working two jobs (55+ hrs a week) in hopes of getting a car at the end of the summer, I'll probably be spending $2-3k on it, I currently have about $1000. The car greatly increase the likelihood of me getting a job during next semester (I'll have to quit my current ones since my college is far away from home). Once I have a job I plan on getting an apartment in town with 6-7 friends. We've been talking about it for a bit though I'm not sure if it'll all work out with each of them; worst (or perhaps best?) case scenario it's just me and my girlfriend. An apartment in town means I don't have to take out a loan for room and board (about $13k a year) and I can keep a job all the time, not working in silly 3 month periods. I can't stand living in my parents home any longer anyway... I'm shooting for total independence. ALL THIS CONSIDERED: Would be detrimental to me to have a credit card? I believe I understand the value of hard earned money and don't have too much of a spending problem (not that those who do tend to acknowledge it...) It's purpose would be for medical emergencies and financing auto repairs. I'm hesitant only because my mother believes it will hurt me no matter how good I am about paying the bill on time. I feel that I would have the best chance in applying now since my projected yearly income is higher than it has been and probably will be until next summer Advice on ANY aspect of my situation is appreciated, though I like to think my plan is well thought out (don't we all?). But mostly: should I get a credit card?

We (spouse and I) bought our house on 2007 for $168,500. We still owe $162,000, and our monthly payment is $1370 because we had to add the property taxes and insurance for a 100% loan. We have to relocate to another state and we don't know what to do!! If we try to sell, we will have to pay out of pocket around 20-25K,including 6% real estate commission, home depreciation, closing costs for the buyer, and miscellaneous expenses. The home market right now in our area is bad...But I have another option...that is renting out our home at around $950-$1000 per month...The problem is that our mortgage payment is $1370 and we also would have to pay 10% for the property management, home insurance, and other miscellaneous, which puts us at a monthly out of pocket expense of around $600-$650!! We do not have the $20-$25K to pay out of pocket if we decided to sell it. We will need to settle down first before we can afford to pay the $600-$650 monthly to keep the house rented out...I know that we could pay for our own rent in Texas for that amount!! It will be like paying double rent...and still we will need to sell the house later when we save enough money to pay for the loss and agent fees....But I'm afraid that the tenants destroy the house and on top of the house depreciation and the agent fees we will also end up paying for repairs or full mortgage if they move out before time. If we don't sell it or rent it out it will have to go in foreclosure and our credit will be ruined...Please help if you have knowledge about the subject...Thanks

We (spouse and I) bought our house on 2007 for $168,500. We still owe $162,000, and our monthly payment is $1370 because we had to add the property taxes and insurance for a 100% loan. We have to relocate to another state and we don't know what to do!! If we try to sell, we will have to pay out of pocket around 20-25K,including 6% real estate commission, home depreciation, closing costs for the buyer, and miscellaneous expenses. The home market right now in our area is bad...But I have another option...that is renting out our home at around $950-$1000 per month...The problem is that our mortgage payment is $1370 and we also would have to pay 10% for the property management, home insurance, and other miscellaneous, which puts us at a monthly out of pocket expense of around $600-$650!! We do not have the $20-$25K to pay out of pocket if we decided to sell it. We will need to settle down first before we can afford to pay the $600-$650 monthly to keep the house rented out...I know that we could pay for our own rent in Texas for that amount!! It will be like paying double rent...and still we will need to sell the house later when we save enough money to pay for the loss and agent fees....But I'm afraid that the tenants destroy the house and on top of the house depreciation and the agent fees we will also end up paying for repairs or full mortgage if they move out before time. If we don't sell it or rent it out it will have to go in foreclosure and our credit will be ruined...Please help if you have knowledge about the subject...Thanks

1. Tenant signs lease and has people in community recommend him because of bad credit rating. He was a youth pastor and it looked like a safe deal 2. Lease is from aug. 15 2009 to aug 15 2010 3. Tenant gives notice to vacate on May 18 that he will be out the end of June 2010. The notice is a photo of a hand written note. The only date I have is the email date. 4. Tenant states he is paying for 15 days he is not living in the unit in July and full month he is not living in the house from July to aug. 15. He callse this `overpayment of rent' 5. Tenant leaves the end of June. The house needs cleaning, lawn is not cut, hedges are not cut, several window treatments have been taken down, painting was agreed upon in neutral colors but one room is orange and the other is blue. 6. I pay agent 1700 to get my house rented early. Tenant constantly calls my agent and accuses me of being picky. 7. Tenant states air is totally not working in early June. I call ac repair for emergency (300 on weekends) and they are scheduled to come on Sunday morning and tenant oks this on Sat. Tenant calls sun morning and states ac is working and notes that Sundays are bad because of church. 8. I get tenants to move in on July 6. Tenant accuses me of getting double rent and has an attorney call me. 9. Right now I have done nothing except ask my former tenants if anything was broken in the house, ask for a forwarding address, ask about the cleaning and the yard and their idea of neutral – plus there is evidence that the filter has never been changed. All maintenance is their responsibility in their florida lease. 10. I want to give the tenants their security deposit minus the fees I have paid to clean the house, replace blinds, clean oven & fridge and throw away items, clean coils and yard. I have receipts for 500.00. I was planning to write a check with the florida form on security deposit and offer an explanation. 11. Why do tenants think they have a legal issue? I do want to do the right and legal thing. They gave notice so late....

1. Tenant signs lease and has people in community recommend him because of bad credit rating. He was a youth pastor and it looked like a safe deal 2. Lease is from aug. 15 2009 to aug 15 2010 3. Tenant gives notice to vacate on May 18 that he will be out the end of June 2010. The notice is a photo of a hand written note. The only date I have is the email date. 4. Tenant states he is paying for 15 days he is not living in the unit in July and full month he is not living in the house from July to aug. 15. He callse this `overpayment of rent' 5. Tenant leaves the end of June. The house needs cleaning, lawn is not cut, hedges are not cut, several window treatments have been taken down, painting was agreed upon in neutral colors but one room is orange and the other is blue. 6. I pay agent 1700 to get my house rented early. Tenant constantly calls my agent and accuses me of being picky. 7. Tenant states air is totally not working in early June. I call ac repair for emergency (300 on weekends) and they are scheduled to come on Sunday morning and tenant oks this on Sat. Tenant calls sun morning and states ac is working and notes that Sundays are bad because of church. 8. I get tenants to move in on July 6. Tenant accuses me of getting double rent and has an attorney call me. 9. Right now I have done nothing except ask my former tenants if anything was broken in the house, ask for a forwarding address, ask about the cleaning and the yard and their idea of neutral – plus there is evidence that the filter has never been changed. All maintenance is their responsibility in their florida lease. 10. I want to give the tenants their security deposit minus the fees I have paid to clean the house, replace blinds, clean oven & fridge and throw away items, clean coils and yard. I have receipts for 500.00. I was planning to write a check with the florida form on security deposit and offer an explanation. 11. Why do tenants think they have a legal issue? I do want to do the right and legal thing. They gave notice so late....

1. Tenant signs lease and has people in community recommend him because of bad credit rating. He was a youth pastor and it looked like a safe deal 2. Lease is from aug. 15 2009 to aug 15 2010 3. Tenant gives notice to vacate on May 18 that he will be out the end of June 2010. The notice is a photo of a hand written note. The only date I have is the email date. 4. Tenant states he is paying for 15 days he is not living in the unit in July and full month he is not living in the house from July to aug. 15. He callse this `overpayment of rent' 5. Tenant leaves the end of June. The house needs cleaning, lawn is not cut, hedges are not cut, several window treatments have been taken down, painting was agreed upon in neutral colors but one room is orange and the other is blue. 6. I pay agent 1700 to get my house rented early. Tenant constantly calls my agent and accuses me of being picky. 7. Tenant states air is totally not working in early June. I call ac repair for emergency (300 on weekends) and they are scheduled to come on Sunday morning and tenant oks this on Sat. Tenant calls sun morning and states ac is working and notes that Sundays are bad because of church. 8. I get tenants to move in on July 6. Tenant accuses me of getting double rent and has an attorney call me. 9. Right now I have done nothing except ask my former tenants if anything was broken in the house, ask for a forwarding address, ask about the cleaning and the yard and their idea of neutral – plus there is evidence that the filter has never been changed. All maintenance is their responsibility in their florida lease. 10. I want to give the tenants their security deposit minus the fees I have paid to clean the house, replace blinds, clean oven & fridge and throw away items, clean coils and yard. I have receipts for 500.00. I was planning to write a check with the florida form on security deposit and offer an explanation. 11. Why do tenants think they have a legal issue? I do want to do the right and legal thing. I do have tenants now. I am glad. what I went through to get them and what I pad to rush the rental process was more than my usual return to the property and do it myself.

1. Tenant signs lease and has people in community recommend him because of bad credit rating. He was a youth pastor and it looked like a safe deal 2. Lease is from aug. 15 2009 to aug 15 2010 3. Tenant gives notice to vacate on May 18 that he will be out the end of June 2010. The notice is a photo of a hand written note. The only date I have is the email date. 4. Tenant states he is paying for 15 days he is not living in the unit in July and full month he is not living in the house from July to aug. 15. He callse this `overpayment of rent' 5. Tenant leaves the end of June. The house needs cleaning, lawn is not cut, hedges are not cut, several window treatments have been taken down, painting was agreed upon in neutral colors but one room is orange and the other is blue. 6. I pay agent 1700 to get my house rented early. Tenant constantly calls my agent and accuses me of being picky. 7. Tenant states air is totally not working in early June. I call ac repair for emergency (300 on weekends) and they are scheduled to come on Sunday morning and tenant oks this on Sat. Tenant calls sun morning and states ac is working and notes that Sundays are bad because of church. 8. I get tenants to move in on July 6. Tenant accuses me of getting double rent and has an attorney call me. 9. Right now I have done nothing except ask my former tenants if anything was broken in the house, ask for a forwarding address, ask about the cleaning and the yard and their idea of neutral – plus there is evidence that the filter has never been changed. All maintenance is their responsibility in their florida lease. 10. I want to give the tenants their security deposit minus the fees I have paid to clean the house, replace blinds, clean oven & fridge and throw away items, clean coils and yard. I have receipts for 500.00. I was planning to write a check with the florida form on security deposit and offer an explanation. 11. Why do tenants think they have a legal issue? I do want to do the right and legal thing. I do have tenants now. I am glad. what I went through to get them and what I pad to rush the rental process was more than my usual return to the property and do it myself.

Well I have bad credit and I know I was probably in for this crap because the landlord didn't care about credit... I asked for a walkthru about a week after I moved in to notate current problems, landlord refused said they had their own pictures. So now I been here 3 mos. The toilet has a very slow leak, nevertheless leaves a puddle after about 1 week of slow leaking making by bathroom smell like the p*ss of downtown. The toilet either A) doesn't flush completely with #2 and when done flushing water is brown should be clear B) can't fix prob A because toilet can't flush twice. Opened the tank lid, voila, toilet is from 1966! Now when I opened the tank I see the toilet is jammed into the wall and the whole area behind the tank is wet and caving in, the wall is cracking and wet. The landlord has acted like a butt when asked for minor repairs like sockets that are so loose the plug fall out and linoleum that was already peeling up. I could not spot all these issues at pre-movein toilet flushed fine empty upon inspection. California allows rent witholding to make repairs, so what should I do if he acts stupid tomorrow when I show him? To Dog Ma, my credit clears in another year, but there are laws they must follow, that really wasn't the question and you knew that smarty! To the person with the name"Landlord", yes I can it is not remodeling. It is not cosmetic, the wall is crumbling and wet= mold. Could not see easily, WAS there before I moved there, true makes it his problem, not mine and the courts in CA WILL make him fix it! Also "landlord" where does it say I pay $500 I pay even more than $1000! You don't know much about California cost of living or laws. If it doesn't pass Dept of Health Codes, it's REQUIRED to be fixed, the end!

Well I have bad credit and I know I was probably in for this crap because the landlord didn't care about credit... I asked for a walkthru about a week after I moved in to notate current problems, landlord refused said they had their own pictures. So now I been here 3 mos. The toilet has a very slow leak, nevertheless leaves a puddle after about 1 week of slow leaking making by bathroom smell like the p*ss of downtown. The toilet either A) doesn't flush completely with #2 and when done flushing water is brown should be clear B) can't fix prob A because toilet can't flush twice. Opened the tank lid, voila, toilet is from 1966! Now when I opened the tank I see the toilet is jammed into the wall and the whole area behind the tank is wet and caving in, the wall is cracking and wet. The landlord has acted like a butt when asked for minor repairs like sockets that are so loose the plug fall out and linoleum that was already peeling up. I could not spot all these issues at pre-movein toilet flushed fine empty upon inspection. California allows rent witholding to make repairs, so what should I do if he acts stupid tomorrow when I show him? To Dog Ma, my credit clears in another year, but there are laws they must follow, that really wasn't the question and you knew that smarty! To the person with the name"Landlord", yes I can it is not remodeling. It is not cosmetic, the wall is crumbling and wet= mold. Could not see easily, WAS there before I moved there, true makes it his problem, not mine and the courts in CA WILL make him fix it! Also "landlord" where does it say I pay $500 I pay even more than $1000! You don't know much about California cost of living or laws. If it doesn't pass Dept of Health Codes, it's REQUIRED to be fixed, the end!

Ok so I have a credit score is 543 I am working on repairing it. However I want to buy a new car. I am not trying to get a car loan I have money. I am willing to pay a down payment and a monthly bill. How much will the down payment be an average is good. Also I will be able to get a cosigner. =]

Ok so I have a credit score is 543 I am working on repairing it. However I want to buy a new car. I am not trying to get a car loan I have money. I am willing to pay a down payment and a monthly bill. How much will the down payment be an average is good. Also I will be able to get a cosigner. =]

It was recently revealed to me that my husband has 2 children, but not with me! I opened the mailbox to find a letter addressed to him by the state Attorney General's office. Being that we have been married for 11 years, I opened it and found that he was being sued for child support. HUH? WHAT? WHO? WHERE? WHEN? ..... the questions go on and on. i have lived the last 11 years honestly believing that am one of the lucky few that got to marry mt best friend and "soul mate". We have had a loving, caring, supportive, sexually active relationship. Infidelity never even crossed my mind. I've been completely thrown for a loop. I don't know who to tell or turn to. I don't want the family (my mother or sister) because I don't know what I'm going to do yet. If I forgive him, my mother never will. My sister has a way of looking down on my imperfections. Obviously, I can't tell my daughter from a previous marriage, because this is the only father she has ever known. He was married before me, had 2 children with that woman who is an alcoholic and pothead. Two years after our marriage, she abandoned the boys on our front porch. I've raised them ever since like my own and love them as much as my daughter. We have had a very happy , healthy, well-adjusted family for the past 9 years. Now, I find out that he NEVER quit sleeping with her and in fact, fathered two more children with her! I can not even explain how I feel my life has been blown up! He talks badly of her often , calls her names, she's as ugly as a troll, fat with blonde hair and black roots, tattoos all over her legs... YUCK! The thought makes me want to vomit! She is a 43 yrs old felon who lives with her mother and has never held a job in her life! I am the complete opposite in all ways! Tall, fit, attractive, intelligent, college grad and professional business woman. I owned my own home when we met and helped him repair and rebuild his credit when we got married. I can not even fathom why he would want to "do" this person or what he sees there that no one else does. I am so blown away I don't know what to do or how to handle. The boys have been through so much and even they have bad feeling toward their mother. She rarely sees them and has let them down so many times and filled them full of so many lies. How will they handle a split in their family? How will they accept siblings? They know their mother has other kids, but not that their Dad is the father or that he has been cheating on me all along. Or, maybe they do...who knows? My daughter will be devastated. She loves her family and losing her brothers will kill her. My family won't know what to do, they think we are the perfect couple. His family and I are close. How do you move on from this? Is there any way? Can you get over the betrayal and anger and pain? If I forgive, there is still a matter of additional children who I absolutely DO NOT want! I am looking forward to retirement and being free of child rearing. I don't know if I have a real question or just needed to tell someone else. Either way, thank you.

It was recently revealed to me that my husband has 2 children, but not with me! I opened the mailbox to find a letter addressed to him by the state Attorney General's office. Being that we have been married for 11 years, I opened it and found that he was being sued for child support. HUH? WHAT? WHO? WHERE? WHEN? ..... the questions go on and on. i have lived the last 11 years honestly believing that am one of the lucky few that got to marry mt best friend and "soul mate". We have had a loving, caring, supportive, sexually active relationship. Infidelity never even crossed my mind. I've been completely thrown for a loop. I don't know who to tell or turn to. I don't want the family (my mother or sister) because I don't know what I'm going to do yet. If I forgive him, my mother never will. My sister has a way of looking down on my imperfections. Obviously, I can't tell my daughter from a previous marriage, because this is the only father she has ever known. He was married before me, had 2 children with that woman who is an alcoholic and pothead. Two years after our marriage, she abandoned the boys on our front porch. I've raised them ever since like my own and love them as much as my daughter. We have had a very happy , healthy, well-adjusted family for the past 9 years. Now, I find out that he NEVER quit sleeping with her and in fact, fathered two more children with her! I can not even explain how I feel my life has been blown up! He talks badly of her often , calls her names, she's as ugly as a troll, fat with blonde hair and black roots, tattoos all over her legs... YUCK! The thought makes me want to vomit! She is a 43 yrs old felon who lives with her mother and has never held a job in her life! I am the complete opposite in all ways! Tall, fit, attractive, intelligent, college grad and professional business woman. I owned my own home when we met and helped him repair and rebuild his credit when we got married. I can not even fathom why he would want to "do" this person or what he sees there that no one else does. I am so blown away I don't know what to do or how to handle. The boys have been through so much and even they have bad feeling toward their mother. She rarely sees them and has let them down so many times and filled them full of so many lies. How will they handle a split in their family? How will they accept siblings? They know their mother has other kids, but not that their Dad is the father or that he has been cheating on me all along. Or, maybe they do...who knows? My daughter will be devastated. She loves her family and losing her brothers will kill her. My family won't know what to do, they think we are the perfect couple. His family and I are close. How do you move on from this? Is there any way? Can you get over the betrayal and anger and pain? If I forgive, there is still a matter of additional children who I absolutely DO NOT want! I am looking forward to retirement and being free of child rearing. I don't know if I have a real question or just needed to tell someone else. Either way, thank you.

My dad, well he's like a dad, I call him dad, well he's my godfather so I call him dad. He's nearly 88 now bless him, he's very caring, if something is wrong he'll do the best he can to resolve things, he'll even get up from the dining table and leave his dinner to help someone, he had an accident recently and with broken bones he still went out, now he has said he cannot help anymore, that is fair enough for a man at his age, I go and help him do things like repair his computer, do his garden, the only thing he does himself is cook, clean and dress himself, sometimes I help him up the stairs so he can get to the bathroom in time, then he does everything himself, I'm physically disabled, I don't mind helping him and would never ask for money for helping him, I love it, it gets me out, unfortunately there are 3 people he has known for a long time that go to his house and go in and take over, by that I mean go in and treat the place like it is their own, they eat all his food and when its gone, they ask him if he wants to go out for a meal, he ends up paying for the taxi there and back and pays for the meals and drinks, they borrow money from him and don't pay him back and because he is forgetful they say they paid him back about 10 minutes ago, things have now got bad, they tell him that they will stop over night and end up spending a week there and use his telephone, mobile and internet for many hours, tonight I received a call from dad and he was very upset, he said that one of them asked him for £20, when he said he only had £5 in his wallet they said that would do and said he should get the other £15 out of his bank in the morning, when he said no, this person hit the monitor on his computer and broke it, threw things about, dad always says that God will put it right, he is saying the same thing tonight, that God will put it right, I went up to see him and these people, the place was a mess, crisp packets and cigarette ends on the floor, dad does not smoke, I reminded them that smoking is done outside the house, then I noticed the glass cabinet door was broken, I asked about this and they said dad had broken it moving the sofa, he is not strong enough to move the sofa, dad was stood next to me and said he couldn't remember doing it, I asked if he had moved the sofa, he said maybe he had and forgotten, he can't have, he isn't strong enough, last week I was there and a parcel came, one of them had ordered something, they had used dad's credit card, I don't know how, I think it must have been over the telephone, they were arguing about this and said that he said it was ok to use his card, they are really messing him about, one of them rang his doctors clinic for a joke and cancelled his appointment, so he ended up there and had to go straight home, he told me he must have cancelled it and forgotten and then said he hadn't crossed it off in his book, when he is on the telephone he always has his book to write things down and remind him. Does anyone know what I should do to help dad? Caretaker is not the answer, he would never have on in the house.

My dad, well he's like a dad, I call him dad, well he's my godfather so I call him dad. He's nearly 88 now bless him, he's very caring, if something is wrong he'll do the best he can to resolve things, he'll even get up from the dining table and leave his dinner to help someone, he had an accident recently and with broken bones he still went out, now he has said he cannot help anymore, that is fair enough for a man at his age, I go and help him do things like repair his computer, do his garden, the only thing he does himself is cook, clean and dress himself, sometimes I help him up the stairs so he can get to the bathroom in time, then he does everything himself, I'm physically disabled, I don't mind helping him and would never ask for money for helping him, I love it, it gets me out, unfortunately there are 3 people he has known for a long time that go to his house and go in and take over, by that I mean go in and treat the place like it is their own, they eat all his food and when its gone, they ask him if he wants to go out for a meal, he ends up paying for the taxi there and back and pays for the meals and drinks, they borrow money from him and don't pay him back and because he is forgetful they say they paid him back about 10 minutes ago, things have now got bad, they tell him that they will stop over night and end up spending a week there and use his telephone, mobile and internet for many hours, tonight I received a call from dad and he was very upset, he said that one of them asked him for £20, when he said he only had £5 in his wallet they said that would do and said he should get the other £15 out of his bank in the morning, when he said no, this person hit the monitor on his computer and broke it, threw things about, dad always says that God will put it right, he is saying the same thing tonight, that God will put it right, I went up to see him and these people, the place was a mess, crisp packets and cigarette ends on the floor, dad does not smoke, I reminded them that smoking is done outside the house, then I noticed the glass cabinet door was broken, I asked about this and they said dad had broken it moving the sofa, he is not strong enough to move the sofa, dad was stood next to me and said he couldn't remember doing it, I asked if he had moved the sofa, he said maybe he had and forgotten, he can't have, he isn't strong enough, last week I was there and a parcel came, one of them had ordered something, they had used dad's credit card, I don't know how, I think it must have been over the telephone, they were arguing about this and said that he said it was ok to use his card, they are really messing him about, one of them rang his doctors clinic for a joke and cancelled his appointment, so he ended up there and had to go straight home, he told me he must have cancelled it and forgotten and then said he hadn't crossed it off in his book, when he is on the telephone he always has his book to write things down and remind him. Does anyone know what I should do to help dad? Caretaker is not the answer, he would never have on in the house.

Hi there, im in the middle of selling my home but need a loan of around £4500 for repairs etc. Its been on the market for a few months and as yet has had no buyers. Now the dilemma that im in, is that im unemployed and have no steady income for repayments. I need a loan over say a year (or until the sale of my property) with fixed interest, which can be paid off in lump sum. Ive heard of home equity loans but feel I have bad credit and again im not working and haven't been for many years due too ill health. I feel there must be a company or bank that could help in these circumstances, any info you could give me would really help and be much appreciated. Thank you..

Hi there, im in the middle of selling my home but need a loan of around £4500 for repairs etc. Its been on the market for a few months and as yet has had no buyers. Now the dilemma that im in, is that im unemployed and have no steady income for repayments. I need a loan over say a year (or until the sale of my property) with fixed interest, which can be paid off in lump sum. Ive heard of home equity loans but feel I have bad credit and again im not working and haven't been for many years due too ill health. I feel there must be a company or bank that could help in these circumstances, any info you could give me would really help and be much appreciated. Thank you..

Hi there, im in the middle of selling my home but need a loan of around £4500 for repairs etc. Its been on the market for a few months and as yet has had no buyers. Now the dilemma that im in, is that im unemployed and have no steady income for repayments. I need a loan over say a year (or until the sale of my property) with fixed interest, which can be paid off in lump sum. Ive heard of home equity loans but feel I have bad credit and again im not working and haven't been for many years due too ill health. I feel there must be a company or bank that could help in these circumstances, any info you could give me would really help and be much appreciated. Thank you..

Hi there, im in the middle of selling my home but need a loan of around £4500 for repairs etc. Its been on the market for a few months and as yet has had no buyers. Now the dilemma that im in, is that im unemployed and have no steady income for repayments. I need a loan over say a year (or until the sale of my property) with fixed interest, which can be paid off in lump sum. Ive heard of home equity loans but feel I have bad credit and again im not working and haven't been for many years due too ill health. I feel there must be a company or bank that could help in these circumstances, any info you could give me would really help and be much appreciated. Thank you..

Hello, I am 21 year old Arab American, I go to college and I sell used cars and do a crappy stand-up show at a sleazy stand-up place... Over the past 6 months so much crap has happened to me it is not even funny... First my car broke down - blown headgasket - had to repair it $2,000 -- I had a second job at an airport which I lost as I was unable to attend work when my car was in the shop... I had to borrow the money because my credit was destroyed by an ex-girlfriend who stole my credit card and ran up my bills. A month after I fixed my car, my apartment burned down... I was dislocated and forced to move on short notice - the red cross was helping people but since I was a single male I got no aid (which is fine - I suppose its easier if you don't have a family)... I had no renters insurance (once again - credit)... Then after my house burned down I moved to a new place on short notice... soon after I realized that it was bad because I was mugged at gunpoint... the mugger stole from me $9 - and ran up my debit card putting me in overdraft... Approximately 2 months later I was mugged again - this time I was carrying my laptop - which contained all of my research for my final distinction paper... I lost all of my data from a YEAR of research and had to start over... after I got mugged the second time I moved back in with my parents who live an hour and a half away from where I work and study (commute time)... After commuting for a month - my car overheated and caught fire on the expressway at 2:00 in the morning - I was stranded until 5:00 in the morning when a tow truck came to rescue me... After that I got audited by the IRS and FAFSA - they are withholding my financial aid... I have not been able to sell any cars since I am stuck without a car in my mother's house... For the past three days now I have been curled up drunk and in my boxers at my mom's house... Is this because god hates used car salesman? Or maybe because god hates Arabs? Or perhaps because I am a Fat Hairy Arab Used Car salesman and got hates fat hairy Arab used car salesmen? Am I a bad person? Why do these things keep happening - to me? When I'm done, do I get to go to heaven?

Hello, I am 21 year old Arab American, I go to college and I sell used cars and do a crappy stand-up show at a sleazy stand-up place... Over the past 6 months so much crap has happened to me it is not even funny... First my car broke down - blown headgasket - had to repair it $2,000 -- I had a second job at an airport which I lost as I was unable to attend work when my car was in the shop... I had to borrow the money because my credit was destroyed by an ex-girlfriend who stole my credit card and ran up my bills. A month after I fixed my car, my apartment burned down... I was dislocated and forced to move on short notice - the red cross was helping people but since I was a single male I got no aid (which is fine - I suppose its easier if you don't have a family)... I had no renters insurance (once again - credit)... Then after my house burned down I moved to a new place on short notice... soon after I realized that it was bad because I was mugged at gunpoint... the mugger stole from me $9 - and ran up my debit card putting me in overdraft... Approximately 2 months later I was mugged again - this time I was carrying my laptop - which contained all of my research for my final distinction paper... I lost all of my data from a YEAR of research and had to start over... after I got mugged the second time I moved back in with my parents who live an hour and a half away from where I work and study (commute time)... After commuting for a month - my car overheated and caught fire on the expressway at 2:00 in the morning - I was stranded until 5:00 in the morning when a tow truck came to rescue me... After that I got audited by the IRS and FAFSA - they are withholding my financial aid... I have not been able to sell any cars since I am stuck without a car in my mother's house... For the past three days now I have been curled up drunk and in my boxers at my mom's house... Is this because god hates used car salesman? Or maybe because god hates Arabs? Or perhaps because I am a Fat Hairy Arab Used Car salesman and got hates fat hairy Arab used car salesmen? Am I a bad person? Why do these things keep happening - to me? When I'm done, do I get to go to heaven?

I'm trying to repair my credit after having a hard time getting on my feet after college to purchase a home. I'd like some advice on where to go from here. First, let me say that I've heard that it's a bad idea to close all your credit cards as some will help you out in the long run as long as you pay them off. I'd like to know if I should just leave my credit accounts open or which, if any, I should close. Please don't answer unless you are experienced and know what you're talking about. Thank you. Here are my types of debts, what the max available is, and what I owe. As you can see, a few of the cards are department store cards that I signed up to get a discount but then paid off right away. The other 2 credit cards are struggled paying off, but eventually did. I have the one credit card left that I'm paying off asap.: Credit card Max 5200, Owe 4000 Credit card Max 8000, Owe 0 Credit card Max 1070, Owe 0 Credit card Max 700, Owe 0 Credit card Max 500, Owe 0 Auto Loan Owe 7400 Student Loans Owe 75000

I'm trying to repair my credit after having a hard time getting on my feet after college to purchase a home. I'd like some advice on where to go from here. First, let me say that I've heard that it's a bad idea to close all your credit cards as some will help you out in the long run as long as you pay them off. I'd like to know if I should just leave my credit accounts open or which, if any, I should close. Please don't answer unless you are experienced and know what you're talking about. Thank you. Here are my types of debts, what the max available is, and what I owe. As you can see, a few of the cards are department store cards that I signed up to get a discount but then paid off right away. The other 2 credit cards are struggled paying off, but eventually did. I have the one credit card left that I'm paying off asap.: Credit card Max 5200, Owe 4000 Credit card Max 8000, Owe 0 Credit card Max 1070, Owe 0 Credit card Max 700, Owe 0 Credit card Max 500, Owe 0 Auto Loan Owe 7400 Student Loans Owe 75000

Hey we need a new car bad.... My husband just graduated from University and has good credit. However, he is working for a friends company and isn't quite f/t. He does have a full time teaching position, contracted with a salary of $42,000. We are not sure if he can get the loan we need for this car.... My debt is not great at all, and I am just now starting to repair it as we have 2 incomes. My Mom can co-sign. She has great credit but is already co-signed with me on my student loan. Any insight? I am freaking out right now as we only have 5 days to get this sorted out. (need the car now!) PS the car loan we need is $10,000 and we know we can afford the payments, but not sure if bank will agree do to how I look on paper at the moment. also we can put $2000 into it soon as our tax return comes back in the next week or so.

Hey we need a new car bad.... My husband just graduated from University and has good credit. However, he is working for a friends company and isn't quite f/t. He does have a full time teaching position, contracted with a salary of $42,000. We are not sure if he can get the loan we need for this car.... My debt is not great at all, and I am just now starting to repair it as we have 2 incomes. My Mom can co-sign. She has great credit but is already co-signed with me on my student loan. Any insight? I am freaking out right now as we only have 5 days to get this sorted out. (need the car now!) PS the car loan we need is $10,000 and we know we can afford the payments, but not sure if bank will agree do to how I look on paper at the moment. also we can put $2000 into it soon as our tax return comes back in the next week or so.

about six months ago, my boyfriend of three years broke up with me. during the time we lived together, he leased a car in his name for me because my credit is bad. but i have always paid the car payments and insurance until he left me with nothing. so we had to move and all that,but i had to keep the car. ( just fyi its a really crappy van). so over the time we had it i had to put thousands of dollars of repairs on it and he didnt help at all. then i had to stop paying the payments, and he said that he would. so i go to my bank today and find out he has taken out almost $2,000 without my permission, and i dont have hardly any money in my bank account, so i need it back but its already gone to the insurance and car payment place. so my question is is this illegal??? his name is not on the account. he just found out the information.

about six months ago, my boyfriend of three years broke up with me. during the time we lived together, he leased a car in his name for me because my credit is bad. but i have always paid the car payments and insurance until he left me with nothing. so we had to move and all that,but i had to keep the car. ( just fyi its a really crappy van). so over the time we had it i had to put thousands of dollars of repairs on it and he didnt help at all. then i had to stop paying the payments, and he said that he would. so i go to my bank today and find out he has taken out almost $2,000 without my permission, and i dont have hardly any money in my bank account, so i need it back but its already gone to the insurance and car payment place. so my question is is this illegal??? his name is not on the account. he just found out the information.

anything on my own since she damaged my credit pretty bad. im looking for a LEGIT credit repair company. i paid another "company" $400 and needless to say no credit repair was done. im tired of being scammed but i need my credit fixed. if anyone has been in my situation and/or know of great credit repair companies PLEASE let me know.

anything on my own since she damaged my credit pretty bad. im looking for a LEGIT credit repair company. i paid another "company" $400 and needless to say no credit repair was done. im tired of being scammed but i need my credit fixed. if anyone has been in my situation and/or know of great credit repair companies PLEASE let me know.

So i'm currently enlisted in 3 p.e classes and I have them everyday from monday to thursday and well I'm pretty much going to school from 7 am to 7 pm and the other courses aren't really that hard (math, bio) so the hw is easy. The problem is I'm not going to have much time to recover from the workouts. except over friday and the weekend. My schedule goes math 8:30-11:30 p.e (bicycling) 12:00-1:30 p.e swimming 2:30-3:50 bio 4:20-5:50 p.e gym time 5:50- 7:00 rest of the time is just returning home (1:20 bus/walking trip) so I'll be home around 9 pm. done with hw by 10 and just go to sleep at 11 and wake up up at 6:10am So my question is: Is it bad for my body to not have much rest between the workout dates however I won't workout on friday-sunday. So does it justify my schedule and body repair functions? I'll be under a great diet and well, that hopefully aids the recovery. again.. do I seriously need to rest everyother day or can I just rest from friday-sunday. I really have to take those classes for credits(college) and doing them over the summer so dropping them might not be recommended. Thx for the help p.s I'm not a troll. I'm just lacking the adequate info for this situation.

So i'm currently enlisted in 3 p.e classes and I have them everyday from monday to thursday and well I'm pretty much going to school from 7 am to 7 pm and the other courses aren't really that hard (math, bio) so the hw is easy. The problem is I'm not going to have much time to recover from the workouts. except over friday and the weekend. My schedule goes math 8:30-11:30 p.e (bicycling) 12:00-1:30 p.e swimming 2:30-3:50 bio 4:20-5:50 p.e gym time 5:50- 7:00 rest of the time is just returning home (1:20 bus/walking trip) so I'll be home around 9 pm. done with hw by 10 and just go to sleep at 11 and wake up up at 6:10am So my question is: Is it bad for my body to not have much rest between the workout dates however I won't workout on friday-sunday. So does it justify my schedule and body repair functions? I'll be under a great diet and well, that hopefully aids the recovery. again.. do I seriously need to rest everyother day or can I just rest from friday-sunday. I really have to take those classes for credits(college) and doing them over the summer so dropping them might not be recommended. Thx for the help p.s I'm not a troll. I'm just lacking the adequate info for this situation.

ok be quiet i know its bad but iTunes says that the is an account problem and that said that me security key to my credit card is wrong but i know its right cuse i had just bought some thing from iTunes early er that day (and a few days b4) and it said it was right... and now my iTunes was deleated along with all my stuff on my hard drive when i got my laptop repaired i dint know that it was gone so i tryed to charge my iPod the other day and what do ya know it synced to a blank cpu so all my music is gone... and there is no way im gonna buy back 23G worth of music from iTunes (again...) so plz help me...

ok be quiet i know its bad but iTunes says that the is an account problem and that said that me security key to my credit card is wrong but i know its right cuse i had just bought some thing from iTunes early er that day (and a few days b4) and it said it was right... and now my iTunes was deleated along with all my stuff on my hard drive when i got my laptop repaired i dint know that it was gone so i tryed to charge my iPod the other day and what do ya know it synced to a blank cpu so all my music is gone... and there is no way im gonna buy back 23G worth of music from iTunes (again...) so plz help me...

OK...My credit is bad due to medical bills, most of them from my ex husband. (joint debt from our marriage) I have no credit cards and no debt other than my house, on which I owe about 70,000. I think my credit scores hover around the low 500's. I need about 10,000 to replace my roof, repair my air conditioner, retile my bathroom, and replace my floor. No banks will even look at me around here. I've tried selling my kidney but I'm too overweight, my eggs but I'm too old, my hair but I"m american. I have steady income. Any ideas on where I can get a loan? I tried to refi my house. they say my debt to income ratio is too high.

OK...My credit is bad due to medical bills, most of them from my ex husband. (joint debt from our marriage) I have no credit cards and no debt other than my house, on which I owe about 70,000. I think my credit scores hover around the low 500's. I need about 10,000 to replace my roof, repair my air conditioner, retile my bathroom, and replace my floor. No banks will even look at me around here. I've tried selling my kidney but I'm too overweight, my eggs but I'm too old, my hair but I"m american. I have steady income. Any ideas on where I can get a loan? I tried to refi my house. they say my debt to income ratio is too high.

I live in Ohio with my fiance', we both work, him full time and myself part time. Our combined income is probably about 35k. I am young and have no credit, good or bad. He is a bit older and has about a 675 credit score. He has about 5k in debt on a personal loan (no late payments in 2 years) and two credit cards. I would like to try to finance something to raise my score...but dont want to pay a ton of interest if I was approved. I understand his score is not that great either though. We rent an apartment. My old car needs a transmission and that would cost more than the value of the car so its time to get something else, I am going crazy trying to both work with one car. We have a baby so I am wanting an SUV so I can haul stuff. I figure I can fit $200 a month into our budget. I want something newer so I dont have to constantly do work on it...thinking 2003-2005, less than 100k if I buy, or course if I lease it would be new. So the questions are: 1. How much of a loan could a 675 credit score get and pay $200 a month? 2. If you lease and say you get a 25k car and at the end of your lease you have paid them 5k, will they sell it to you for 20k or close to it? 3. When you lease, do they cover repairs? Do you have to pay extra for a special warantee to get them to? 4. Do they take trade-ins on leases? 5. Can you negotiate price on a lease? ( I love to negotiate prices, please say yes!) Any other information you can tell me would be great. I know leases are not always thought of as good, but I need a good car, I have crappy credit and I cant pay a whole lot. Thanks so much. I can indeed put a tranny in my car for 1200, but its not worth it. I only paid 1050 for the car 2 years ago, and it has other problems. It has been sucking parts out of me for the past year, I would much rather figure in a regular payment than suddenly get hit with a repair bill I wasnt planning on. I see credit lowering your payment because it does lower your interest..which lowers your payment..you have less to pay off then. How do you find leasing hurting credit? @ exodust20 First thank you..you seem to know what your talking about. It is hard to get an answer, I cant go to the dealer and be like "hey, I have no clue what I am talking about, I am just going to trust you to give me a great deal!" I sort of got the idea to lease due to recent add papers that have pretty nice cars listed for like 2500 down, 179 a month, but no fine print to explain what you have to have to get that deal. My fiance's 5k loan is 140 a month and has 20% interest, through Citi. I figured an actual car loan might have lower interest and so it would have a lower payment. 10k would buy me a used car I would be happy with, but if leasing had more pros for the same payment I would want to consider that.

I live in Ohio with my fiance', we both work, him full time and myself part time. Our combined income is probably about 35k. I am young and have no credit, good or bad. He is a bit older and has about a 675 credit score. He has about 5k in debt on a personal loan (no late payments in 2 years) and two credit cards. I would like to try to finance something to raise my score...but dont want to pay a ton of interest if I was approved. I understand his score is not that great either though. We rent an apartment. My old car needs a transmission and that would cost more than the value of the car so its time to get something else, I am going crazy trying to both work with one car. We have a baby so I am wanting an SUV so I can haul stuff. I figure I can fit $200 a month into our budget. I want something newer so I dont have to constantly do work on it...thinking 2003-2005, less than 100k if I buy, or course if I lease it would be new. So the questions are: 1. How much of a loan could a 675 credit score get and pay $200 a month? 2. If you lease and say you get a 25k car and at the end of your lease you have paid them 5k, will they sell it to you for 20k or close to it? 3. When you lease, do they cover repairs? Do you have to pay extra for a special warantee to get them to? 4. Do they take trade-ins on leases? 5. Can you negotiate price on a lease? ( I love to negotiate prices, please say yes!) Any other information you can tell me would be great. I know leases are not always thought of as good, but I need a good car, I have crappy credit and I cant pay a whole lot. Thanks so much. I can indeed put a tranny in my car for 1200, but its not worth it. I only paid 1050 for the car 2 years ago, and it has other problems. It has been sucking parts out of me for the past year, I would much rather figure in a regular payment than suddenly get hit with a repair bill I wasnt planning on. I see credit lowering your payment because it does lower your interest..which lowers your payment..you have less to pay off then. How do you find leasing hurting credit? @ exodust20 First thank you..you seem to know what your talking about. It is hard to get an answer, I cant go to the dealer and be like "hey, I have no clue what I am talking about, I am just going to trust you to give me a great deal!" I sort of got the idea to lease due to recent add papers that have pretty nice cars listed for like 2500 down, 179 a month, but no fine print to explain what you have to have to get that deal. My fiance's 5k loan is 140 a month and has 20% interest, through Citi. I figured an actual car loan might have lower interest and so it would have a lower payment. 10k would buy me a used car I would be happy with, but if leasing had more pros for the same payment I would want to consider that.

It didn't sell for a whole year after being on the market? When we first moved in our Double Wide home 3 years ago, which is a 93' model, it had old fridge, stove, washer, and dryer (maybe from the early 90's). We replaced all of those appliances in a matching set. They are all white fridgidaire. We bought those brand new. Also since we moved here, he replaced the whole AC unit and Hot water heater. He also painted a few of the rooms which were wallpapered from when it was built.. so you can imagine the walls looked nasty. The only thing i think will turn people away is the carpet, which is a blue and has wrinkled up i guess you could say. We are talking about having someone come in and clean it and tighten it up. Also, the kitchen floor has a few mud stains on it and some other little problems here and there (nothing major). We are trying to get out of debt and that is why we are trying to sell the home. He bought the house 3 years ago for $98,000. When we got it appraised a year ago (before we updated everything and made all the changes), they appraised it as 121,000. I was shocked. Now that we have done all of these repairs, i am thinking that if we sell, we can use the remaining balance to pay off our debts, get married and move into a nicer home with cheaper payments or at least look for something in better condition. We have 2 loan bills over 1,000$ a piece from having to replacing the AC and a couple of other reasons. We also have 2 credit cards and our furniture bill that we racked up from buying the new appliances for the kitchen. Since our credit is bad, we cannot get approved for a home equity loan, a personal loan AND we cannot refinance. My boyfriend has a 12 hour job that he works 6 days a week and he would get a 2nd job to get out of debt, but they keep changing up his hours and they are not understanding about anything. Everything is very overwhelming and hard to deal with and selling the home seems to be our only option of saving from foreclosure and causing our credit score to drop even more. Please let me know what you think we could do.. and also.. if we put the house up for the market, are we allowed to have our stuff in here while they come look at it? I always see pictures online of homes for sale and they are always empty. :/

It didn't sell for a whole year after being on the market? When we first moved in our Double Wide home 3 years ago, which is a 93' model, it had old fridge, stove, washer, and dryer (maybe from the early 90's). We replaced all of those appliances in a matching set. They are all white fridgidaire. We bought those brand new. Also since we moved here, he replaced the whole AC unit and Hot water heater. He also painted a few of the rooms which were wallpapered from when it was built.. so you can imagine the walls looked nasty. The only thing i think will turn people away is the carpet, which is a blue and has wrinkled up i guess you could say. We are talking about having someone come in and clean it and tighten it up. Also, the kitchen floor has a few mud stains on it and some other little problems here and there (nothing major). We are trying to get out of debt and that is why we are trying to sell the home. He bought the house 3 years ago for $98,000. When we got it appraised a year ago (before we updated everything and made all the changes), they appraised it as 121,000. I was shocked. Now that we have done all of these repairs, i am thinking that if we sell, we can use the remaining balance to pay off our debts, get married and move into a nicer home with cheaper payments or at least look for something in better condition. We have 2 loan bills over 1,000$ a piece from having to replacing the AC and a couple of other reasons. We also have 2 credit cards and our furniture bill that we racked up from buying the new appliances for the kitchen. Since our credit is bad, we cannot get approved for a home equity loan, a personal loan AND we cannot refinance. My boyfriend has a 12 hour job that he works 6 days a week and he would get a 2nd job to get out of debt, but they keep changing up his hours and they are not understanding about anything. Everything is very overwhelming and hard to deal with and selling the home seems to be our only option of saving from foreclosure and causing our credit score to drop even more. Please let me know what you think we could do.. and also.. if we put the house up for the market, are we allowed to have our stuff in here while they come look at it? I always see pictures online of homes for sale and they are always empty. :/

I have horrible credit but I am working on repairing it. I currently have a Prepaid Phone and its very expensive. I would like to get a cell phone contract from T-Mobile, Verizon or Sprint but do they check your credit? Could I get denied a cell phone because I have bad credit? Thank you so much for your help :) I appreciate your time xoxo

I have horrible credit but I am working on repairing it. I currently have a Prepaid Phone and its very expensive. I would like to get a cell phone contract from T-Mobile, Verizon or Sprint but do they check your credit? Could I get denied a cell phone because I have bad credit? Thank you so much for your help :) I appreciate your time xoxo

I have been with Verizon for 5 years since before my credit was ruined). I have an excellent record with them. Because of bad choices that my husband and I made, we lost our home and a ripple effect occured with several of our collateral items. I would like to change to AT&T and get the new iPhone. i make very good $$ and pay my current bills (especially cell) in full and on time every month. I was told that if I applied directly, my deposit would be huge. Can I get around this? I would love to have AT&T service but it doesn't seem to be attainable. I would switch from verizon (blackberry tour) in a heartbeat if I could). We are both working to repair our credit now, but it does take some time. Is their any way around this? Do any AT&T employees have any decent advice? We live in Northern California. My previous situation is all taken care of. We had to file BK. Thats not the issue I am asking about. I only have 1 current bill and thats my cell phone bill.

I have been with Verizon for 5 years since before my credit was ruined). I have an excellent record with them. Because of bad choices that my husband and I made, we lost our home and a ripple effect occured with several of our collateral items. I would like to change to AT&T and get the new iPhone. i make very good $$ and pay my current bills (especially cell) in full and on time every month. I was told that if I applied directly, my deposit would be huge. Can I get around this? I would love to have AT&T service but it doesn't seem to be attainable. I would switch from verizon (blackberry tour) in a heartbeat if I could). We are both working to repair our credit now, but it does take some time. Is their any way around this? Do any AT&T employees have any decent advice? We live in Northern California. My previous situation is all taken care of. We had to file BK. Thats not the issue I am asking about. I only have 1 current bill and thats my cell phone bill.

I got in an accident over Memorial Day weekend where I was stopped at a light and someone hit the car behind me, which hit me causing me to his the car in front of me. My insurance company went and did a estimate on the repairs and filed the car as a total loss. My car was pretty new a 2009 and I actually had bought it brand new at the end of 2008. However, now I'm in a situation where I need to buy a new car but the issue is that I have HORRIBLE credit. When I graduated from college I had numerous private loans through different lenders that merged with other companies or where completely bought out by other companies. I was never contacted to make payments and I tried to find all my loans and who they were through but I failed at that. So to make a long story short they only contacted me once they reported to a collection agency. Finally I got them all figured out through a Graduate Recovery program and have started making payments. But obviously the issue is that I have these delinquent marks on my credit. Additionally, I have some other credit issues that I just put into a debt management plan that I started paying this month. So, I guess my question is I need to get a car loan, I have no way of getting to and from work without one. I don’t have strong cosigner, but I could probably put together $2,000 for some cash down. What else should I do? Or where else should I look? I’ve been declined for 0 down at 2 dealerships right now. I'm hoping to avoid an extremely high APR if at all possible. This is really frustrating because I’m trying so hard to get my credit together :(. Thanks for the ideas, I live in CA I have looked for $2000 cars and haven't found any that would work for me, I travel pretty far for work and I need a reliable car. I have already had 2 car loans that I went through that were NEVER delinquent and the second will be completely paid off within the month (insurance is paying for it). I'm considering doing a cosign with my fiance, however I don't want any of my past credit issues to effect his, so I'm hesitant to do this and mess with his good score. I know I was really irresponsible with my credit and this is why I have really sat down and started to put all of my finances in order and I was actually really optimistic about establishing good credit for once and then this happens. What would be the credit score of a cosigner that I would need to help me get a car loan? Who is that number for? I'm working on my credit BUT I need a car to get work and one that is dependable! Ugghhhh

I got in an accident over Memorial Day weekend where I was stopped at a light and someone hit the car behind me, which hit me causing me to his the car in front of me. My insurance company went and did a estimate on the repairs and filed the car as a total loss. My car was pretty new a 2009 and I actually had bought it brand new at the end of 2008. However, now I'm in a situation where I need to buy a new car but the issue is that I have HORRIBLE credit. When I graduated from college I had numerous private loans through different lenders that merged with other companies or where completely bought out by other companies. I was never contacted to make payments and I tried to find all my loans and who they were through but I failed at that. So to make a long story short they only contacted me once they reported to a collection agency. Finally I got them all figured out through a Graduate Recovery program and have started making payments. But obviously the issue is that I have these delinquent marks on my credit. Additionally, I have some other credit issues that I just put into a debt management plan that I started paying this month. So, I guess my question is I need to get a car loan, I have no way of getting to and from work without one. I don’t have strong cosigner, but I could probably put together $2,000 for some cash down. What else should I do? Or where else should I look? I’ve been declined for 0 down at 2 dealerships right now. I'm hoping to avoid an extremely high APR if at all possible. This is really frustrating because I’m trying so hard to get my credit together :(. Thanks for the ideas, I live in CA I have looked for $2000 cars and haven't found any that would work for me, I travel pretty far for work and I need a reliable car. I have already had 2 car loans that I went through that were NEVER delinquent and the second will be completely paid off within the month (insurance is paying for it). I'm considering doing a cosign with my fiance, however I don't want any of my past credit issues to effect his, so I'm hesitant to do this and mess with his good score. I know I was really irresponsible with my credit and this is why I have really sat down and started to put all of my finances in order and I was actually really optimistic about establishing good credit for once and then this happens. What would be the credit score of a cosigner that I would need to help me get a car loan? Who is that number for? I'm working on my credit BUT I need a car to get work and one that is dependable! Ugghhhh

I got in an accident over Memorial Day weekend where I was stopped at a light and someone hit the car behind me, which hit me causing me to his the car in front of me. My insurance company went and did a estimate on the repairs and filed the car as a total loss. My car was pretty new a 2009 and I actually had bought it brand new at the end of 2008. However, now I'm in a situation where I need to buy a new car but the issue is that I have HORRIBLE credit. When I graduated from college I had numerous private loans through different lenders that merged with other companies or where completely bought out by other companies. I was never contacted to make payments and I tried to find all my loans and who they were through but I failed at that. So to make a long story short they only contacted me once they reported to a collection agency. Finally I got them all figured out through a Graduate Recovery program and have started making payments. But obviously the issue is that I have these delinquent marks on my credit. Additionally, I have some other credit issues that I just put into a debt management plan that I started paying this month. So, I guess my question is I need to get a car loan, I have no way of getting to and from work without one. I don’t have strong cosigner, but I could probably put together $2,000 for some cash down. What else should I do? Or where else should I look? I’ve been declined for 0 down at 2 dealerships right now. I'm hoping to avoid an extremely high APR if at all possible. This is really frustrating because I’m trying so hard to get my credit together :(. what is the credit score of a cosigner that would be needed to get a car under these terms?

I got in an accident over Memorial Day weekend where I was stopped at a light and someone hit the car behind me, which hit me causing me to his the car in front of me. My insurance company went and did a estimate on the repairs and filed the car as a total loss. My car was pretty new a 2009 and I actually had bought it brand new at the end of 2008. However, now I'm in a situation where I need to buy a new car but the issue is that I have HORRIBLE credit. When I graduated from college I had numerous private loans through different lenders that merged with other companies or where completely bought out by other companies. I was never contacted to make payments and I tried to find all my loans and who they were through but I failed at that. So to make a long story short they only contacted me once they reported to a collection agency. Finally I got them all figured out through a Graduate Recovery program and have started making payments. But obviously the issue is that I have these delinquent marks on my credit. Additionally, I have some other credit issues that I just put into a debt management plan that I started paying this month. So, I guess my question is I need to get a car loan, I have no way of getting to and from work without one. I don’t have strong cosigner, but I could probably put together $2,000 for some cash down. What else should I do? Or where else should I look? I’ve been declined for 0 down at 2 dealerships right now. I'm hoping to avoid an extremely high APR if at all possible. This is really frustrating because I’m trying so hard to get my credit together :(. what is the credit score of a cosigner that would be needed to get a car under these terms?

My credit score is around 700. I have one credit card that I pay off everything at the end of every month (i.e. I never carry a balance)and that's it. No loans, no debt nothing. Yet my credit score keeps jumping around a lot with each report; it was 727 in july last year, 678 in Oct, 755 this January, and now 708. And I've done nothing besides dutifully paying my bills and credit card each month during this time. I have signed up for a credit monitoring service from Bank of America, but it makes no sense. Right now, it projects that if I keep making all my minimum payments for the next year my credit score will decrease by 3. Wtf? I moved here from Europe and credit score is incredibly difficult for me to grasp, yet it's extremely important. Each time I get my credit report it's like flipping a coin if it goes up and down, and all I do is pay everything each month. So is there any service that can explain and advice how it all works and what I can do to keep improving it? Most services are geared towards repairing bad credit, but mine is OK, I just want to know what I can do in the long term to improve it. Just paying everything on time doesn't seem to do it since my credit is currently worse than it was a year ago, and it's predicted to keep going down?? I asked at bank of america, but they were admittedly not sure and just gave general advice from personal experience. Is there someone I can talk to that can take the voodoo and wives' tales out of the the credit score and explain what is going on? I have no problems handling my financial obligations, so I just want to know how I can get the best credit I can have.

My credit score is around 700. I have one credit card that I pay off everything at the end of every month (i.e. I never carry a balance)and that's it. No loans, no debt nothing. Yet my credit score keeps jumping around a lot with each report; it was 727 in july last year, 678 in Oct, 755 this January, and now 708. And I've done nothing besides dutifully paying my bills and credit card each month during this time. I have signed up for a credit monitoring service from Bank of America, but it makes no sense. Right now, it projects that if I keep making all my minimum payments for the next year my credit score will decrease by 3. Wtf? I moved here from Europe and credit score is incredibly difficult for me to grasp, yet it's extremely important. Each time I get my credit report it's like flipping a coin if it goes up and down, and all I do is pay everything each month. So is there any service that can explain and advice how it all works and what I can do to keep improving it? Most services are geared towards repairing bad credit, but mine is OK, I just want to know what I can do in the long term to improve it. Just paying everything on time doesn't seem to do it since my credit is currently worse than it was a year ago, and it's predicted to keep going down?? I asked at bank of america, but they were admittedly not sure and just gave general advice from personal experience. Is there someone I can talk to that can take the voodoo and wives' tales out of the the credit score and explain what is going on? I have no problems handling my financial obligations, so I just want to know how I can get the best credit I can have.

I'm looking to rebuild my credit from my wife destroying it when we got married. I'd like to have the ability to have a card that has a decent amount on it (at least $1000) for emergencies or car repairs. I did find one but never heard of it it required a debit from your bank at time of application acceptance and a $9.95 a month fee..

I'm looking to rebuild my credit from my wife destroying it when we got married. I'd like to have the ability to have a card that has a decent amount on it (at least $1000) for emergencies or car repairs. I did find one but never heard of it it required a debit from your bank at time of application acceptance and a $9.95 a month fee..

This Young Girl Asked Me A Question, And What My EFF can Do About it... This is My Reply. Young Girl: Supreme Commander, have you ever heard about the oil spill in Gulf.. they even can't get to fix it or stop the leak! what can EFF do? Supeme Commander: well, it's their fault this happened. humans makes mistakes all time, we're ones who pay price for it... EFF has Advanced Technology that's years ahead.. i would't say how far lol... but EFF can send ships and airdrop EFF Undersea Soldiers on Sea Floor to Seal the Leak, while Ships Opens Their Cargo Bays To Scoop Up The Oil and taking it back to base to search for any evidence that it might have damaged the Ocean's abilty to flow.. etc.. the Current Flow can get disrupted by oil pretty bad... it even kills the Ecomony's abilty to repair itself. as you can see... Oil Problems, Money Problems are related to Ecomony. as we saw the Ecomony's crash few years ago, it was result of stupid, greedy people that had no idea how much it can hurt or damage Ecomony. >.> Your Response... BTW... She Also Did Asked Me This Question Before The Oil Spill Question Young Girl: Cool. Tell me little about EFF? please? Supeme Commander: Earth Federation Forces Are Earth's Space Military, EFF Are Protecters Of Earth. EFF Protects Earth From Alien Attacks And Alien Threats. EFF Conducts All Kinds Of Missions, Including OffWorld Missions. Earth Federation Forces Was Created in Year 2000 To Protect Earth From Alien Attacks And Alien Threats, Natural Disaters Etc... That's What EFF was Created To Do, Protects Its People Of Earth and Earth. And Final Question From Her... Young Girl: WOW... what will happen if EFF is in charge of Earth? Supeme Commander: Well, if it does happen, EFF will Destroy the Money that causes Money Problems all time... the "Freedom" never really means it unless someone REALLY understands.. Freedom is actually about living in FREE WORLD... NO MORE WARS.. NO MORE Goverments, NO MORE FIGHTING Etc... Earth Will Finally BE UNITED EARTH For Once and Finally... Just Peace On Earth.. You'll Get Things you normally need money to buy.. will be free, no money needed.. i will teach Earth how to live without Money and so on... learning how to trade with each other plus learning how to operate my ships and so forth etc.. it does sounds like dream come true.. lol it is.. World's Money Will be Replaced By EC (Energy Credits) As World's Current Money. No More Cash, No More Papers Of Cash. But Without EFF, It Could Never HAPPEN... As For With Oil Spill... If This Continues, By End Of That Year, Our Ocean Will Be Tainted And Makes Our Air Toxic To Us As it Becoming Toxic To All Animals.. In Less Than A Year 2019, All Life On Earth Is Killed, Leaving Behind Only Toxic Surface, Toxic Atmosphere, Toxic Ocean, Making Earth Uninhabited and Danger To People Who Are Traveling By Ships And So Forth On.. It Might Very Well Take At Least 200 Years Or 500 Years For Earth To Return To Its Original As It Used To Be Before The Accident That Killed World's Inhabitants. Do You Want To Let It Happen? ASK PRESIDENT OBAMA to Help Create Only Protecters That Earth Has, Earth Federation Forces, Become Active, Up And Running Again This Time To STOP the Most Dangerous and Life Threatening Enemy: OIL SPILL In The Gulf. BP Cannot Stop It, Only EFF Can. Only Your Question Is.. DO You WANT EFF to Come And STOP Oil Spill of 2010?

This Young Girl Asked Me A Question, And What My EFF can Do About it... This is My Reply. Young Girl: Supreme Commander, have you ever heard about the oil spill in Gulf.. they even can't get to fix it or stop the leak! what can EFF do? Supeme Commander: well, it's their fault this happened. humans makes mistakes all time, we're ones who pay price for it... EFF has Advanced Technology that's years ahead.. i would't say how far lol... but EFF can send ships and airdrop EFF Undersea Soldiers on Sea Floor to Seal the Leak, while Ships Opens Their Cargo Bays To Scoop Up The Oil and taking it back to base to search for any evidence that it might have damaged the Ocean's abilty to flow.. etc.. the Current Flow can get disrupted by oil pretty bad... it even kills the Ecomony's abilty to repair itself. as you can see... Oil Problems, Money Problems are related to Ecomony. as we saw the Ecomony's crash few years ago, it was result of stupid, greedy people that had no idea how much it can hurt or damage Ecomony. >.> Your Response... BTW... She Also Did Asked Me This Question Before The Oil Spill Question Young Girl: Cool. Tell me little about EFF? please? Supeme Commander: Earth Federation Forces Are Earth's Space Military, EFF Are Protecters Of Earth. EFF Protects Earth From Alien Attacks And Alien Threats. EFF Conducts All Kinds Of Missions, Including OffWorld Missions. Earth Federation Forces Was Created in Year 2000 To Protect Earth From Alien Attacks And Alien Threats, Natural Disaters Etc... That's What EFF was Created To Do, Protects Its People Of Earth and Earth. And Final Question From Her... Young Girl: WOW... what will happen if EFF is in charge of Earth? Supeme Commander: Well, if it does happen, EFF will Destroy the Money that causes Money Problems all time... the "Freedom" never really means it unless someone REALLY understands.. Freedom is actually about living in FREE WORLD... NO MORE WARS.. NO MORE Goverments, NO MORE FIGHTING Etc... Earth Will Finally BE UNITED EARTH For Once and Finally... Just Peace On Earth.. You'll Get Things you normally need money to buy.. will be free, no money needed.. i will teach Earth how to live without Money and so on... learning how to trade with each other plus learning how to operate my ships and so forth etc.. it does sounds like dream come true.. lol it is.. World's Money Will be Replaced By EC (Energy Credits) As World's Current Money. No More Cash, No More Papers Of Cash. But Without EFF, It Could Never HAPPEN... As For With Oil Spill... If This Continues, By End Of That Year, Our Ocean Will Be Tainted And Makes Our Air Toxic To Us As it Becoming Toxic To All Animals.. In Less Than A Year 2019, All Life On Earth Is Killed, Leaving Behind Only Toxic Surface, Toxic Atmosphere, Toxic Ocean, Making Earth Uninhabited and Danger To People Who Are Traveling By Ships And So Forth On.. It Might Very Well Take At Least 200 Years Or 500 Years For Earth To Return To Its Original As It Used To Be Before The Accident That Killed World's Inhabitants. Do You Want To Let It Happen? ASK PRESIDENT OBAMA to Help Create Only Protecters That Earth Has, Earth Federation Forces, Become Active, Up And Running Again This Time To STOP the Most Dangerous and Life Threatening Enemy: OIL SPILL In The Gulf. BP Cannot Stop It, Only EFF Can. Only Your Question Is.. DO You WANT EFF to Come And STOP Oil Spill of 2010?

My sister lives in a low-quality apartment complex (because she has bad credit and can't afford better). Recently, her television, computer and radio - basically everything pulled into a wall in her apartment - were all destroyed due to faulty wiring. They are damaged beyond repair. She called the electric company and they told her that the apartment's wiring was the cause of the damage. The manager says there's nothing she can do about it. Legally, what can my sister do? She can't afford to go out and buy these items again - and shouldn't have to if it wasn't her fault, right?

My sister lives in a low-quality apartment complex (because she has bad credit and can't afford better). Recently, her television, computer and radio - basically everything pulled into a wall in her apartment - were all destroyed due to faulty wiring. They are damaged beyond repair. She called the electric company and they told her that the apartment's wiring was the cause of the damage. The manager says there's nothing she can do about it. Legally, what can my sister do? She can't afford to go out and buy these items again - and shouldn't have to if it wasn't her fault, right?

I have a 2001 Cadillac Deville with 93,000 miles on it.It put out a little white smoke at start up but doesn't smoke but a few seconds.It also uses a quart of oil every 800-1000 miles.The coolant only get a little low every 2000-3000 miles.It has almost the same power as when I bought it used with 32,000 miles on it.My mechanic said it's leaking around the valve covers or head gasket and oil pan.They said it will cost $2000 to fix because the way the car is made the whole engine has to come out.Of course I'll get a 2nd and 3rd opinion.A brand new engine will run about $3000-$3500 plus labor of installing it.I'm guessing $5000-$6000.I have bad credit so a new car is out of the question.Will repairing the 2 gaskets fix my problem or because it has 93,000 mile would I be better off getting a brand new engine?And also,with the small amount it's leaking,how long do you think it can last like it is?I rarely travel outside town.When I do it's only aroud 50 miles.Thanks

I have a 2001 Cadillac Deville with 93,000 miles on it.It put out a little white smoke at start up but doesn't smoke but a few seconds.It also uses a quart of oil every 800-1000 miles.The coolant only get a little low every 2000-3000 miles.It has almost the same power as when I bought it used with 32,000 miles on it.My mechanic said it's leaking around the valve covers or head gasket and oil pan.They said it will cost $2000 to fix because the way the car is made the whole engine has to come out.Of course I'll get a 2nd and 3rd opinion.A brand new engine will run about $3000-$3500 plus labor of installing it.I'm guessing $5000-$6000.I have bad credit so a new car is out of the question.Will repairing the 2 gaskets fix my problem or because it has 93,000 mile would I be better off getting a brand new engine?And also,with the small amount it's leaking,how long do you think it can last like it is?I rarely travel outside town.When I do it's only aroud 50 miles.Thanks

We're wanting to buy a house in a year. We just applied for a FHA loan and were denied b/c my hubby doesn't have any built credit (after declaring bankruptcy in 2004) and my credit is horrible after going delinquent on multiple credit cards over a year ago when we made a big move (600 mile move/no jobs = no money to pay credit cards). So, now I want to repair my credit, but I'm unsure on where to start. I would like some credit repair advice, but I'm afraid of being scammed - or to use a consolidating agency. I do not want to consolodate - I know that looks bad on your credit. Anyone been in this situation that can give me some help??

We're wanting to buy a house in a year. We just applied for a FHA loan and were denied b/c my hubby doesn't have any built credit (after declaring bankruptcy in 2004) and my credit is horrible after going delinquent on multiple credit cards over a year ago when we made a big move (600 mile move/no jobs = no money to pay credit cards). So, now I want to repair my credit, but I'm unsure on where to start. I would like some credit repair advice, but I'm afraid of being scammed - or to use a consolidating agency. I do not want to consolodate - I know that looks bad on your credit. Anyone been in this situation that can give me some help??

No answers needed,like fix your credit, save your money to buy it out right, etc and so on needed. I've started repair but lets face it, it will take for ever for my score to improve. Meanwhile, I now as a more responsible adult (bad choices in my late teens and early 20s) can afford to get a new car but with a 551 credit score with equifax and a paid off car for a trade will I have success getting a auto loan? Also, if I am going to a few different dealers and they are running my credit will this effect my score? Any answers will help, also any one know of good dealers in the South West Chicago area that are pretty good with dealing with less then perfect credit?

No answers needed,like fix your credit, save your money to buy it out right, etc and so on needed. I've started repair but lets face it, it will take for ever for my score to improve. Meanwhile, I now as a more responsible adult (bad choices in my late teens and early 20s) can afford to get a new car but with a 551 credit score with equifax and a paid off car for a trade will I have success getting a auto loan? Also, if I am going to a few different dealers and they are running my credit will this effect my score? Any answers will help, also any one know of good dealers in the South West Chicago area that are pretty good with dealing with less then perfect credit?

So my credit is at 525 right now. I know what affected me a lot is that I got a macy's card a few years back and I didn't pay it. The account got closed and I recently payed it off. They say you shouldn't close your accounts to just start paying on time but my account got closed. Which means I they would have to re-run my credit. I know I do not qualify for one anymore. Is the fact that I paid the debt even though it was closed help my credit score? How can I rebuild y credit if I can't even qualify for a credit card? The only thing that I have is my car which is under my dad's name and mine also. I have a line with verizon under my name. But that's not enough. Any suggestions?

So my credit is at 525 right now. I know what affected me a lot is that I got a macy's card a few years back and I didn't pay it. The account got closed and I recently payed it off. They say you shouldn't close your accounts to just start paying on time but my account got closed. Which means I they would have to re-run my credit. I know I do not qualify for one anymore. Is the fact that I paid the debt even though it was closed help my credit score? How can I rebuild y credit if I can't even qualify for a credit card? The only thing that I have is my car which is under my dad's name and mine also. I have a line with verizon under my name. But that's not enough. Any suggestions?

We sold our house much faster than expected during the tax credit incentive. We're trying to find another home quickly because we have 5 pets and a ton of storage to pay for. We had to find temp housing and are now living in a family members basement. We searched frantically for another house during the April 30th $6500 tax incentive deadline, but there was nothing decent in our price range. We found an awesome house but it was more expensive (25k out of our desired range), bigger, and farther, than we were intending. We went into contract because we felt like we had to get settled and get in on that tax incentive. We just finished the inspections and there are numerous things that need repaired including the heat pump, and plumbing. We had given them almost full asking price on the house, based on our agents recommendation.Financially we cannot accept it unless it's in great condition. Although we can afford it, it would be tight, and double what we spent before (in this bad economy). After going into contract we discovered the taxes there were higher than we thought. We're thinking of canceling if they don't make the repairs, and just getting a less expensive house. But we'll lose the tax credit and maybe the interest rate, and continue living in a basement. Are we better off to just go ahead with this house (because of the tax credit and interest rate), or get one that's 25k less expensive (but lose the tax credit)? What do you think?

We sold our house much faster than expected during the tax credit incentive. We're trying to find another home quickly because we have 5 pets and a ton of storage to pay for. We had to find temp housing and are now living in a family members basement. We searched frantically for another house during the April 30th $6500 tax incentive deadline, but there was nothing decent in our price range. We found an awesome house but it was more expensive (25k out of our desired range), bigger, and farther, than we were intending. We went into contract because we felt like we had to get settled and get in on that tax incentive. We just finished the inspections and there are numerous things that need repaired including the heat pump, and plumbing. We had given them almost full asking price on the house, based on our agents recommendation.Financially we cannot accept it unless it's in great condition. Although we can afford it, it would be tight, and double what we spent before (in this bad economy). After going into contract we discovered the taxes there were higher than we thought. We're thinking of canceling if they don't make the repairs, and just getting a less expensive house. But we'll lose the tax credit and maybe the interest rate, and continue living in a basement. Are we better off to just go ahead with this house (because of the tax credit and interest rate), or get one that's 25k less expensive (but lose the tax credit)? What do you think?

I will promise to keep good grades in school. Also I will try to get a summer job to help pay for the monthly bill, maintainance, repairs, and gas. I do know that if I ever default on it, it will be very bad for my parents. I don't have a credit card so no credit score for me, but my parents both have excellent credit so we could co-sign the owner of the car. I probably couldn't pay for everything, but keeping straight A's in honors classes and money from my summer job will help. I also know the process of getting a new car. I should put 20% of the car down and pay it off within 4 years. I don't want alarms chrome wheels paint protection or extended warrranty. I'm looking for a 4 door sedan with good fuel economy. Insurance will probably be high but I can help pay for that too. When I meant new car I meant a car, new or used, that is new to me sorry

I will promise to keep good grades in school. Also I will try to get a summer job to help pay for the monthly bill, maintainance, repairs, and gas. I do know that if I ever default on it, it will be very bad for my parents. I don't have a credit card so no credit score for me, but my parents both have excellent credit so we could co-sign the owner of the car. I probably couldn't pay for everything, but keeping straight A's in honors classes and money from my summer job will help. I also know the process of getting a new car. I should put 20% of the car down and pay it off within 4 years. I don't want alarms chrome wheels paint protection or extended warrranty. I'm looking for a 4 door sedan with good fuel economy. Insurance will probably be high but I can help pay for that too. When I meant new car I meant a car, new or used, that is new to me sorry

I have just come out of a bad period of my life where I have a few "bad marks" on my credit. I've been current on all payments on loans etc for the past 18 months. My education loan was in default for 9 months, but I went through rehabilitation and they have taken the "default" and all record of it off my credit. I have been monitoring it monthly and its still sitting right around 580. I've tried twice to take out a credit card, even one with a low limit, to try to build some credit, but have been denied both times. What kind of things can I do besides make my payments on time to help my score? Thanks for any help.

I have just come out of a bad period of my life where I have a few "bad marks" on my credit. I've been current on all payments on loans etc for the past 18 months. My education loan was in default for 9 months, but I went through rehabilitation and they have taken the "default" and all record of it off my credit. I have been monitoring it monthly and its still sitting right around 580. I've tried twice to take out a credit card, even one with a low limit, to try to build some credit, but have been denied both times. What kind of things can I do besides make my payments on time to help my score? Thanks for any help.

Ok my question is .. what sort of qualifications do you need to get that 8 thousand dollars first time buyers toward a house... Ok there are a WHOLE lot more people in the United States that do not have excellent credit... ( bad things happen to good people) single with kids that want a fresh start and to have a home to live in but when they persue getting a home, THEY gotta have a HUGE down payment and EXCELLENT credit... or go a get an old used house that someone don't want and then pay a fortune to repair and fix it up ... So what can I do as a single parent to get a home!... I even had someone suggest to me to save the money... OK but that will be hard to do when there is only ONe income (which is mine) coming in the household, and I even had someone tell me that I need to get a credit card!... NO that is disaster already in the making... So what should I do?

Ok my question is .. what sort of qualifications do you need to get that 8 thousand dollars first time buyers toward a house... Ok there are a WHOLE lot more people in the United States that do not have excellent credit... ( bad things happen to good people) single with kids that want a fresh start and to have a home to live in but when they persue getting a home, THEY gotta have a HUGE down payment and EXCELLENT credit... or go a get an old used house that someone don't want and then pay a fortune to repair and fix it up ... So what can I do as a single parent to get a home!... I even had someone suggest to me to save the money... OK but that will be hard to do when there is only ONe income (which is mine) coming in the household, and I even had someone tell me that I need to get a credit card!... NO that is disaster already in the making... So what should I do?

I have decaying teeth with no credit, no insurance, and no money. How do I get them fixed? Is it possible to get a sponsor? They are hurting so bad. What can I do? Is there a cheap way of getting them fixed? I need them done as soon as possible. I went to the dentist and paid 230 for them to tell me it's gonna cost 20,000 to repair my mouth. I feel awful and I'm ready to smile again. I want my confidence back. I want to feel like myself. Please help me! And I'd appreciate it if no one says anything rude.

I have decaying teeth with no credit, no insurance, and no money. How do I get them fixed? Is it possible to get a sponsor? They are hurting so bad. What can I do? Is there a cheap way of getting them fixed? I need them done as soon as possible. I went to the dentist and paid 230 for them to tell me it's gonna cost 20,000 to repair my mouth. I feel awful and I'm ready to smile again. I want my confidence back. I want to feel like myself. Please help me! And I'd appreciate it if no one says anything rude.

So I have finally made the decision to start paying off all the collection accounts in my credit report (so tired of having high interests) and so I've taken action by starting off with the lower $ amount accounts, however my question here is, since my credit is at at mere 514 (used to be 732) and I currently don't get approved to get finance a nut, is there a way to start building credit while I repair it? or should I first take care of all the bad accounts and then start from there?

So I have finally made the decision to start paying off all the collection accounts in my credit report (so tired of having high interests) and so I've taken action by starting off with the lower $ amount accounts, however my question here is, since my credit is at at mere 514 (used to be 732) and I currently don't get approved to get finance a nut, is there a way to start building credit while I repair it? or should I first take care of all the bad accounts and then start from there?

I've been applying to a vast amount od payday loans and all they do is redirect me to other sites that have nothing to do with what I applied for or credit repair agencies.

I've been applying to a vast amount od payday loans and all they do is redirect me to other sites that have nothing to do with what I applied for or credit repair agencies.

i left my abusive partner 6 months ago, we were together 2 years n the last 6 months of the relationship when he started hitting me i hated him so much n just wanted to be free from him. i did not stay because i loved him, i stayed because i felt i had no where to go. we had moved over a month before he first hit me, to an overseas country for his work n i had no one there to help me. he hurt me very badly and i fled while he was at work when i finally fessed up to my family what he was doing to me, they came over a week later n we sold everything me n him owned to a second hand dealer n i fled. i left him with a bed, fridge n clothes. i had not told my family out of shame as i had previously been warned by his ex i never mets best friend who said he was a very abusive pig, i should have listened to her but i was stubborn n stupid. when i left him i hacked his facebook email, myspace n secret email he thought i didnt know about, it took me 4 hours online while he was at work to find a huge amount of stuff on him. he had criminal records in two different countries, debts totalling 240000 from personal loans, fines n car loans in different names, his awful younger brother of 18 already had 17000 in credit cards n fines, he had also been using my personal credit card that i never used n had the bill sent to my parents to run up 4200 in credit card debts (all disputed), all this money spent on cheap prostitutes,cash advances, ebay purchases and a dating site. he also had charges for domestic violence in two different countries and had had another gf that had fled while he was at work taking everything, she left him after becoming his punching bag n being conned out of 40000 as he had promised to marry her, gotten a car loan n asked her to be a guarantor, this is when he was nice to her, he then started hitting her n then she left him after he defaulted n they came after her. my parents later found out he had stolen my dads passport, credit card statements n other important documents n applied to get a personal loan at a place called cashstop in parramatta. we found out when they rang them saying the loan was approved, my dad said no sorry what are you talking about, i never applied for anything, the man said that someone had come in claiming to be him n that the number they had called had been disconnected, it never dawned on us till after i broke up with my ex that it had been him because all thru the begining he had been mr perfect. i realise now it was disconnected cos we left the country n he didnt need it, they had rang the number my ex had given him only to see it didnt work and then gotten my dads number out of the yellow pages, the man rang 2 days after i boarded the plane n the loan app had been made a week before we left. 6 months of being his punching bag i feel has damaged me beyond repair. being trapped for 6 months miserable has hurt me so much, and although im free from him i still have these awful trust issues. i just left my new boyfriend as the damage has even hurt my current relationship and i cant trust him. he reached up to get something on a shelf above me a week ago n i flinched, it was just a reaction but it still scared me. ive always been a very strong women. outspoken and not one to be pushed around. so this seems odd to me to be scared. i feel like if i meet a new person this may all happen again. i dont want to have to look in the mirror n see a dislocated jaw and blood dripping down my face again from having a man drag me around the house by my hair. his family also lived int he same country we moved to up the road n he encouraged him to do this wort of thing, they believed women needed to be hit, even the mother n sister said that, they would come round during the day n check up on me. i did everything right when i was with him, i always looked nice, the house was spotless etc, but he would still find a reason to scream at me, if the remote wasnt put on the arm rest of the chair or he decided he wanted something else for dinner, although im a fully trained chef he still found fault with my cooking which is my passion. i stopped loving him the night he first hit me. he smashed me in the face with a coffee cup n put my front teeth thru my lip. the next time he hit me so hard it was like a man at a pub having a fight, i had heard of friends getting slapped but he used all his 110 kg 6ft2 force to punch me repeatedly, including grabbing my arm so hard it was swollen into position n i couldnt bend my elbow, this was witnessed by his brother laughing next to him n egging him on like a coward. this was not the man i had first fallen in love with, that "actor" had been the nicest man i ever met but he had changed the day i got off that plane n was completely psycho. i completely stopped loving him n was just waiting for a time when i could run away. now 6 months on i am still scared. what is wrong with me that it stil hurts? why am i still scared of this evil man? im not really looking for a bf cos i dont really need to look, very busy with work n if someone nice comes along that would be great, i just left my new one as the anxiety was killing me. but ive never been like that. i disobeyed my parents according to one persons post. im 29. i cant disobey they im a fucking adult you idiot

i left my abusive partner 6 months ago, we were together 2 years n the last 6 months of the relationship when he started hitting me i hated him so much n just wanted to be free from him. i did not stay because i loved him, i stayed because i felt i had no where to go. we had moved over a month before he first hit me, to an overseas country for his work n i had no one there to help me. he hurt me very badly and i fled while he was at work when i finally fessed up to my family what he was doing to me, they came over a week later n we sold everything me n him owned to a second hand dealer n i fled. i left him with a bed, fridge n clothes. i had not told my family out of shame as i had previously been warned by his ex i never mets best friend who said he was a very abusive pig, i should have listened to her but i was stubborn n stupid. when i left him i hacked his facebook email, myspace n secret email he thought i didnt know about, it took me 4 hours online while he was at work to find a huge amount of stuff on him. he had criminal records in two different countries, debts totalling 240000 from personal loans, fines n car loans in different names, his awful younger brother of 18 already had 17000 in credit cards n fines, he had also been using my personal credit card that i never used n had the bill sent to my parents to run up 4200 in credit card debts (all disputed), all this money spent on cheap prostitutes,cash advances, ebay purchases and a dating site. he also had charges for domestic violence in two different countries and had had another gf that had fled while he was at work taking everything, she left him after becoming his punching bag n being conned out of 40000 as he had promised to marry her, gotten a car loan n asked her to be a guarantor, this is when he was nice to her, he then started hitting her n then she left him after he defaulted n they came after her. my parents later found out he had stolen my dads passport, credit card statements n other important documents n applied to get a personal loan at a place called cashstop in parramatta. we found out when they rang them saying the loan was approved, my dad said no sorry what are you talking about, i never applied for anything, the man said that someone had come in claiming to be him n that the number they had called had been disconnected, it never dawned on us till after i broke up with my ex that it had been him because all thru the begining he had been mr perfect. i realise now it was disconnected cos we left the country n he didnt need it, they had rang the number my ex had given him only to see it didnt work and then gotten my dads number out of the yellow pages, the man rang 2 days after i boarded the plane n the loan app had been made a week before we left. 6 months of being his punching bag i feel has damaged me beyond repair. being trapped for 6 months miserable has hurt me so much, and although im free from him i still have these awful trust issues. i just left my new boyfriend as the damage has even hurt my current relationship and i cant trust him. he reached up to get something on a shelf above me a week ago n i flinched, it was just a reaction but it still scared me. ive always been a very strong women. outspoken and not one to be pushed around. so this seems odd to me to be scared. i feel like if i meet a new person this may all happen again. i dont want to have to look in the mirror n see a dislocated jaw and blood dripping down my face again from having a man drag me around the house by my hair. his family also lived int he same country we moved to up the road n he encouraged him to do this wort of thing, they believed women needed to be hit, even the mother n sister said that, they would come round during the day n check up on me. i did everything right when i was with him, i always looked nice, the house was spotless etc, but he would still find a reason to scream at me, if the remote wasnt put on the arm rest of the chair or he decided he wanted something else for dinner, although im a fully trained chef he still found fault with my cooking which is my passion. i stopped loving him the night he first hit me. he smashed me in the face with a coffee cup n put my front teeth thru my lip. the next time he hit me so hard it was like a man at a pub having a fight, i had heard of friends getting slapped but he used all his 110 kg 6ft2 force to punch me repeatedly, including grabbing my arm so hard it was swollen into position n i couldnt bend my elbow, this was witnessed by his brother laughing next to him n egging him on like a coward. this was not the man i had first fallen in love with, that "actor" had been the nicest man i ever met but he had changed the day i got off that plane n was completely psycho. i completely stopped loving him n was just waiting for a time when i could run away. now 6 months on i am still scared. what is wrong with me that it stil hurts? why am i still scared of this evil man? im not really looking for a bf cos i dont really need to look, very busy with work n if someone nice comes along that would be great, i just left my new one as the anxiety was killing me. but ive never been like that. i disobeyed my parents according to one persons post. im 29. i cant disobey they im a fucking adult you idiot

I don't really know where to start. I'm 16.   -Family problems   Both my parents hate me. I'm not a bad child, I don't smoke, drink, socialize (I don't have any friends, hard to make...) I do my choirs, cook, clean, help my siblings with their choirs often, do my homework, study...  My parents always have a go at me, shout at me, threaten me, rip my stuff. When they shout at me, I didn't used to talk back to them, till I was 14 because it started to hurt me. The emotional abuse they were hurling me felt like someone was repeating stabbing me through the heart. I always has the need to cry, there was a lump in my throat and I just breathed heavily. When I cry in front of them they laugh at me telling me no one cares if I cry and that I deserve to suffer.  I share a small room with my younger siblings, my younger and I share a bed and my sister sleeps on the top. My brother doesn't show as often as he should!! It's driving me nuts.  When I was 12, I tried to commit suicide, my parents found out. They take the mick out of me, tell me I should do it because I'm not worth it. It hurts. I sometimes do try and kill myself, but I don't have the courage, bit too scared.  Now, we had a pet hamster. My mother let us keep him for 8 months and took him away to another home today. I can't stop crying. She says I'll be next to go. I have no where to go. No friends. No other family. No money. No phone credit.  -School problems I'm usually really clever. Get A*'s A's and B's. This year (year 12) I failed my January exams and I'm retaking in June along with all my other exams. At school I get bullied because I don't have enough clothes, like the other girls. Everyone looks down at me. I can't afford other clothes and I can't find a job. People bully me because I'm boring and they say I have no emotions. If I show my emotions, I'll just end up crying. I've tried then I have to rush to the toilet to cry. I hate it when people bully me. Seems like everyone does and no one sticks up for me. I can't defend myself. Can't scrape the confidence. I borrowed a laptop from school for my homework as my parents don't let me use their PC. It broke, I look aftered it like it was a baby, I can't afford to pay for it, it's like £300. I've tried to repair it and have no idea. I've called the laptop company and nothing.  I feel like giving up on life.   

I don't really know where to start. I'm 16.   -Family problems   Both my parents hate me. I'm not a bad child, I don't smoke, drink, socialize (I don't have any friends, hard to make...) I do my choirs, cook, clean, help my siblings with their choirs often, do my homework, study...  My parents always have a go at me, shout at me, threaten me, rip my stuff. When they shout at me, I didn't used to talk back to them, till I was 14 because it started to hurt me. The emotional abuse they were hurling me felt like someone was repeating stabbing me through the heart. I always has the need to cry, there was a lump in my throat and I just breathed heavily. When I cry in front of them they laugh at me telling me no one cares if I cry and that I deserve to suffer.  I share a small room with my younger siblings, my younger and I share a bed and my sister sleeps on the top. My brother doesn't show as often as he should!! It's driving me nuts.  When I was 12, I tried to commit suicide, my parents found out. They take the mick out of me, tell me I should do it because I'm not worth it. It hurts. I sometimes do try and kill myself, but I don't have the courage, bit too scared.  Now, we had a pet hamster. My mother let us keep him for 8 months and took him away to another home today. I can't stop crying. She says I'll be next to go. I have no where to go. No friends. No other family. No money. No phone credit.  -School problems I'm usually really clever. Get A*'s A's and B's. This year (year 12) I failed my January exams and I'm retaking in June along with all my other exams. At school I get bullied because I don't have enough clothes, like the other girls. Everyone looks down at me. I can't afford other clothes and I can't find a job. People bully me because I'm boring and they say I have no emotions. If I show my emotions, I'll just end up crying. I've tried then I have to rush to the toilet to cry. I hate it when people bully me. Seems like everyone does and no one sticks up for me. I can't defend myself. Can't scrape the confidence. I borrowed a laptop from school for my homework as my parents don't let me use their PC. It broke, I look aftered it like it was a baby, I can't afford to pay for it, it's like £300. I've tried to repair it and have no idea. I've called the laptop company and nothing.  I feel like giving up on life.