May 30

My co-applicant for my apartment has an eviction on her record?

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My sister was evicted from her apartment last year and has been living at home since. She was 30 days late on rent because she had lost her job and was in the middle of a messy divorce. She has always been good with her finances in the past; however, her financial troubles hit at the same time and put her in a bind.
My question is: She is looking to get an apartment with me since my lease is up, our parents are moving out of state, and we have no other family or friends that have room to take her in. I have no prior evictions so would a landlord look at the application and be willing to rent to us if one of us has eviction history and the other does not? Her credit history is only messy around the time of her eviction, meaning she has a charge off on one credit card for $400, which she paid in full and another charge off for her car, which they repossessed (yes I know its a lot, but I’m not writing to have people judge her, so please only answer the questions) She has been up to date and paying in advance all of her bills for the last six months, since she got a new job. We compared credit reports so I know exactly what is on hers. My credit is excellent. Please only serious answers. We are looking to rent in a complex and are trying to avoid renting a single family home. However, if that is our best option, we will take it. Thank you in advance!
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May 30

50 life lessons – agree to disagree?

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1. Life isn’t fair, but it’s still good.
2. When in doubt, just take the next small step.
3. Life is too short to waste time hating anyone.
4. Don’t take yourself so seriously. No one else does.
5. Pay off your credit cards every month.
6. You don’t have to win every argument. Agree to disagree.
7. Cry with someone. It’s more healing than crying alone.
8. It’s OK to get angry with God. He can take it.
9. Save for retirement starting with your first paycheck.
10. When it comes to chocolate, resistance is futile.
11. Make peace with your past so it won’t ***** up the present.
12. It’s OK to let your children see you cry.
13. Don’t compare your life to others’. You have no idea what their journey is all about.
14. If a relationship has to be a secret, you shouldn’t be in it.
15. Everything can change in the blink of an eye. But don’t worry; God never blinks.
16. Life is too short for long pity parties. Get busy living, or get busy dying.
17. You can get through anything if you stay put in today.
18. A writer writes. If you want to be a writer, write.
19. It’s never too late to have a happy childhood. But the second one is up to you and no one else.
20. When it comes to going after what you love in life, don’t take no for an answer.
21. Burn the candles, use the nice sheets, wear the fancy lingerie. Don’t save it for a special occasion. Today is special.
22. Overprepare, then go with the flow.
23. Be eccentric now. Don’t wait for old age to wear purple.
24. The most important *** organ is the brain.
25. No one is in charge of your happiness except you.
26. Frame every so-called disaster with these words: “In five years, will his matter?”
27. Always choose life.
28. Forgive everyone everything.
29. What other people think of you is none of your business.
30. Time heals almost everything. Give time time.
31. However good or bad a situation is, it will change.
32. Your job won’t take care of you when you are sick. Your friends will. stay in touch.
33. Believe in miracles.
34. God loves you because of who God is, not because of anything you did or didn’t do.
35. Whatever doesn’t kill you really does make you stronger.
36. Growing old beats the alternative – dying young.
37. Your children get only one childhood. Make it memorable.
38. Read the Psalms. They cover every human emotion.
39. Get outside every day. Miracles are waiting everywhere.
40. If we all threw our problems in a pile and saw everyone else’s, we’d grab ours back.
41. Don’t audit life. Show up and make the most of it now.
42. Get rid of anything that isn’t useful, beautiful or joyful.
43. All that truly matters in the end is that you loved.
44. Envy is a waste of time. You already have all you need.
45. The best is yet to come.
46. No matter how you feel, get up, dress up and show up.
47. Take a deep breath. It calms the mind.
48. If you don’t ask, you don’t get.
49. Yield.
50. Life isn’t tied with a bow, but it’s still a gift.

most women i know love this, what do you men think?

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May 25

Is credit pull by multiple lenders within a 30 day period reported as one pull on credit report?

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Information requested by a person new to the US
———

Consider the following situation that I apply on consecutive days

Day 1 WellsFargo Bank for Home Mortgage Loan
Day 2 Bank of America for Auto Loan
Day 3 Digital Credit Union for Credit Card
Day 4 …
…
…
Day 13 Citizens Bank for Home Mortgage Loan
Day 14 US Bank for Personal Loan
…
…
Day 28 CapitalOne for credit card
Day 29 Kohl’s store credit card
Day 30 Walmart credit card

Will all the instances of my credit pull by different lenders show up in my credit report? Or, will only the first credit pull in a 30 day consecutive credit pull period be reported?
———
Myth or fact: For the first lender that pulled your credit, you have 30 days from that day. It will only count against you once regardless of how many lenders pull your credit. They do that so it gives you enough time to shop and compare different lenders.
http://www.trulia.com/voices/Home_Buying/When_multiple_lenders_pull_your_credit_within_wha-120191
—-
Myth or Fact: The credit bureaus understand that savvy consumers want to review multiple loan offers, so the bureaus consolidate all mortgage loan credit inquiries within a certain period (which can range from 14 to 45 days) and count them as one inquiry.
http://www.lendingtree.com/credit-resources/advice/understanding-credit/credit-inquiry-faq/

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May 23

Do you think that this 90 year old lady at the right Idea?

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This was posted in the Plain Dealer in Cleveland , Ohio. I sure like what I readThis is something we should all read at least once a week!!!! .I Think she made a lot of sense what do you think? It is a little long but it is worth reading………

Written By Regina Brett, 90 years old, of The Plain Dealer, Cleveland , Ohio

“To celebrate growing older, I once wrote the 45 lessons life taught me.. It is the most-requested column I’ve ever written.

My odometer rolled over to 90 in August, so here is the column once more:

1. Life isn’t fair,but it’s still good.

2. When in doubt, just take the next small step.

3. Life is too short to waste time hating anyone…

4. Your job won’t take care of you when you are sick. Your friends and parents will.. Stay in touch

5. Pay off your credit cards every month.

6. You don’t have to win every argument. Agree to disagree.

7. Cry with someone. It’s more healing than crying alone.

8. It’s OK to get angry with God. He can take it.

9. Save for retirement starting with your first paycheck.

10. When it comes to chocolate,resistance is futile.

11. Make peace with your past so it won’t ***** up the present.

12. It’s OK to let your children see you cry.

13. Don’t compare your life to others.You have no idea what their journey is all about.

14. If a relationship has to be a secret,you shouldn’t be in it.

15. Everything can change in the blink of an eye. But don’t worry; God never blinks.

16. Take a deep breath. It calms the mind.

17. Get rid of anything that isn’t useful,beautiful or joyful.

18. Whatever doesn’t kill you really does make you stronger.

19.. It’s never too late to have a happy childhood. But the second one is up to you and no one else.

20. When it comes to going after what you love in life, don’t take no for an answer.

21. Burn the candles, use the nice sheets, wear the fancy lingerie. Don’t save it for a special occasion. Today is special.

22. Over prepare, then go with the flow.

23. Be eccentric now. Don’t wait for old age to wear purple.

24. The most important *** organ is the brain.

25. No one is in charge of your happiness but you.

26. Frame every so-called disaster with these words’In five years, will this matter?’

27. Always choose life.

28. Forgive everyone everything.

29. What other people think of you is none of your business.

30. Time heals almost everything. Give time time.

31. However good or bad a situation is, it will change.

32. Don’t take yourself so seriously. No one else does.

33. Believe in miracles.

34. God loves you because of who God is, not because of anything you did or didn’t do.

35. Don’t audit life. Show up and make the most of it now.

36.. Growing old beats the alternative — dying young.

37. Your children get only one childhood.

38. All that truly matters in the end is that you loved.

39. Get outside every day. Miracles are waiting everywhere.

40. If we all threw our problems in a pile and saw everyone else’s, we’d grab ours back.

41.. Envy is a waste of time. You already have all you need.

42. The best is yet to come..

43. No matter how you feel, get up, dress up and show up.

44. Yield.

45. Life isn’t tied with a bow, but it’s still a gift.”

A holy man was having a conversation with God one day and said,
‘ God , I would like to know what Heaven and Hell are like.’

God led the holy man to two doors..

He opened one of the doors and the holy man looked in.

In the middle of the room was a large round table. In the middle of the table was a large pot of stew, which smelled delicious and made the holy man’s mouth water.

The people sitting around the table were thin and sickly. They appeared to be famished.

They were holding spoons with very long handles, that were strapped to their arms and each found it possible to reach into the pot of stew and take a spoonful.

But because the handle was longer than their arms, they could not get the spoons back into their mouths.

The holy man shuddered at the sight of their misery and suffering.

God said, ‘You have seen Hell.’

They went to the next room and opened the door. It was exactly the same as the first one.

There was the large round table with the large pot of stew which made the holy man’s mouth water.

The people were equiped with the same long-handled spoons, but here the people were well nourished and plump, laughing and talking. The holy man said, ‘I don’t understand..’

It is simple,’ said God . ‘It requires but one skill. You see they learned to feed each other, while the greedy thinks only of themselves.
I am so glad you like this, I debated on posting this, but I like it so much and I wanted to share it.Thank you

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May 21

Yahoo credit card comparison?

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Okay, so it’s been a year (about, maybe more) since I accessed the feature…..but I remember being able to compare credit cards. You entered in what your current card is/was and what you paid (annual fee, as well as monthly balance) and….maybe one or two other details, and Yahoo pointed you to cards that offered better deals. The ‘better’ included better rewards (points, cash back, airline miles, etc.) or better rates. Is this tool still around? If not on Yahoo, any idea where I could find a similar tool?
Thanks.
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May 20

Credit Card debt and garnishment?

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Credit Card debt and garnishment-from custody battle.!.!.!?
Ok before everyone tells me I don’t know how to manage my money I would like to explain. I racked up 3 credit cards because of a custody battle. It was completely worth it and if I had to do it again, I would. I had no other choice. I had not collateral for a bank loan.
Her is my few questions. Since I was in a financial hardship and couldn’t pay then they will probably garnish my wages. Can more than one company garnish my wages at a time or can only one garnishmnet be done at a time on my wages?
Next question is this. Lets say I don’t make a payment on these accounts. It’s already been two years and I haven’t made a payment. If I start to make a payment now then it reports to my credit as new activity and starts the 7 year process of removal off my credit all over again. I have read up on that. So instead of filing bankruptcy, I’ve thought of just leaving them alone for 5 more years. These are closed accounts, closed by me not the creditor (I believe,cause I was told that would look better at the time). But….Can they still add interest and late fee’s and if so does this info get sent to my credit report as new activity (cause of a new balance with the fee’s, etc.) and constantly start my 7 years removal off my credit all over again every time they may this change. Does this make sense? I hope so.
I also have 2 hospital bills from depression (hospitiliazation-which they didn’t work with me on hardship, which is understandable, some companys do and some don’t). The other hospital is ER bills. I unfortanetly(spelling) have no insurance. I’ve tried working with them but they just keep saying thats not enough money.
Can-lets say one credit card and one hospital garnish my wages at the same time?
Sorry for all the questions but I’m trying to get back on track with good health, decent job, etc. I use to have a 849 credit score and I know someday I will get it back up there. I just have to get health insurance, etc. I do manage money well, even though this post doesn’t show that. But my (life-my daughter) was more important then my credit. Now that the custody is settled. I’m ready to have my credit back but need to know these answers first. If it takes me 5-10years to build back my credit then I can handle that. I will be 41 in 10 years and by then I will be able to help my daughter with college due to building my credit back up. Life is good and I know I can do this. Thanks, Thanks, Thanks.
I know some of you will say just pay them but my main focus is on the questions I asked. That would help me out so much.

Oh and I know all states are different on there laws. I live in Nebraska so if that helps.

Thanks Again
God Bless
51 minutes ago – 3 days left to answer.
Additional Details
5 minutes ago

Just so e1 know. I do not make any more purchases with credit cards. I don’t even use them or even have any.
4 minutes ago

Not even store CCards. If I can’t buy it with cash within my budget then I don’t buy it. Food and gas alone these days is tuff.
9 seconds ago

Zoey (another user on another questions), thanks for the info at the end. I do all this all ready. I have no more credit cards. We only eat out when family gets together like once ever 4 months and I take my own coffee to work, lol. I even compare prices at the grocery store. Some people call me a tight azz but I have to be to make ends meat and see me credit where it use to be. I still thank you for the information. I almost don’t even drink pop anymore and make tea at home and use my old pop bottles to fill up. I’m a trying. Also, when I purchase something, I never give exact change, that way I get change back. I save my change and then every 6 months or so-I get a big suprise, yah, lol.

I can’t seem to get simple answers to these questions. I know how to budget, I know how to save some money when I have extra to save, I don’t have a spending problem, never have. I just got CC debt do to a custody battle and some depression which inquired hospital bills. Everything else is ok. So please no more answers about stop spending, how to save money. I’m already a tight azz. There is just never any left over after bills. I’m just looking for answers to my questions is all.

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May 19

What credit card do I have a chance of getting with bad credit?

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my credit score on experian is 524, I am looking for a credit card with low or no initial fees or yearly fees but I can have a high interest rate because I plan on paying it off each month to build up my credit. does anyone know a card that would be most likley to approve me with this criteria?

I was pre approved for first premier bank card but with all the fees it ended up being 250 – 300 debt before I would even spend a penny on the card. and thats before eve n knowing the balance.

im not looking to go into more debt, Ive been paying off debt I had from 8 years ago, for about a year now on a debt consolidation plan. for some reason it didn’t start showing i was paying current till january, even though I have been paying on the card since july. I contested the charges of being late paying and even called my debt consolidation organization to see what they can do about it. my credit score SHOULD NOT BE AS LOW AS IT IS!

the reason I want the credit card incase you are wondering, is I have to get a rental car and all rentals require a credit card. also we are short about $200 for our vacation because we didn’t budget having to get a rental. we are going to ride down with a friend to san antonio but now she has decided not to take her car. she doesn’t have good credit either. about as good as mine. so I cant have her get a rental.

this is why I cant get a prepaid card right now, I know they build on credit, I would like to get one, but you have to put money upfront and my money is going to be tight until half way through our vacation on the third when my hubbie gets paid.

then well have more than enough to pay off the the credit card

dont want to be condsidering pawning or payday loans because the interest is so high even when you pay on time unlike a credit card

and for any one who wants to be captain obvious and say shouldn’t of had bad credit to begin with and you wouldn’t be i this mess…you are preaching to the choir. i ought to have know better but have since learned my lesson and am diffinalty paying for it

for an entire year now I have been paying 400 a month toward old credit card. whats your smart **** remark compared to that?

wow, I said alot, hope this explains everything. only looking for credit card solutions at this point, if you dont have3 any, dont answer.

thanks
lol, im not a dude, I realized im on his account, but im a girl. rolf

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May 18

Credit Score raises?

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I’ve got a AAA credit card and just got a GM card last month…the only 2 i am getting. Over the history of the accounts I have every single bill in full on time and never spent money I didn’t have. Over the last year or so, my credit score has been hovering around 740. I just bought a new car (3 yrs at $180/mo, which is a pittance for a car payment) and about $4900 of car loan remaining. If i got perfect finances as compared to most people (i’m only 24 yrs old), and my score has been hovering around 740 for the longest time, what can help raise my score on top of that? Any other advice?
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May 18

Paying Off Debt Collectors? Am I Building Credit? Im Young and Need To Know If I will get my Credit back?

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I am 23 years young.
I owe between $7,000 and 10,000 which some people would say is a blessing compared to what they owe.

I also want my credit back. I do want to get happily married one day and have a house and you need credit for that.
I do not want bankruptcy.

So my question is, by paying off my credit cards and receiving PAID IN FULL LETTERS which I then mail to 3 credit beraus, am I building credit to help my future of one day being able to lease a car again OR own a home? Or is this basically the same thing as going bankrupt? Except you pay all the money back you owe & Some. Like will I be blackballed from getting a loan if I needed one from a bank?

Please help! Thank you.

Also, I had a total of 11 credit cards.
4 are paid off!!!!! (2 of the letters will be stating I paid in full. 2 will be stating that I paid the debt with a settlement. Does this make a big difference?)

4 more will be paid off by November 1st.

I will have 3 left and they are store cards and I need to call them and find out who took over my debt since they never contacted me since 2007?

Thanks, I am excited about my rehabilitation for my credit but I just want to make sure I am not wasting time if I won’t get my credit back.

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May 17

where can i download cheap MP3 music?

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i used to go on a place called mp3city but it keeps rejecting my credit cards i tunes is too expensive compared to the site i used
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