I was alerted to this last month when I applied for disability. I was told I would get a paper in the mail to dispute it, but it never came. Now the Department of Social Security has sent me a letter saying I agreed to whatever their report said and now I'm confused.
How could I have been working since 2001 if I was only 13 years old! Why can't they just take that off of there? Why was someone allowed to use my social?
Usually the culprit is a member of your family.
In your case it could have been as simple as filling out a form at the Dr. office which somehow got into the wrong hands...
The possibilities are endless... go back to the Social Security Office and demand that the entries be removed... (although getting credit for social security from a stranger could be the least they ought to "pay" you for the service of using your number).
Make sure to check your credit report... the fact that you have extra work credits on your social security account is the least of your problems... what if this person opened credit cards using your social?
Go to www.annualcreditreport.com and print out your credit report.
Your parents need to assist you in contact the Social Security office to get this problem corrected. Of course, the letter you just received could be in response to something your parents sent.
You should also check your credit report (AnnualCreditReport.com). As a 13 year old, you shouldn't have a report. But if someone has been using your social security number, there may be all sorts of things showing up.
lol... you can appeal and raise the issue you never recieved the documents you need to appeal. just because you were 13 doesn't mean someone didn't use your social.
Tuesday, March 31, 2009
I am disputing items on my report. does transferred/ sold have a negative impact on your score.?
my students loans have all been consolidated but each individual loan is showing up negatively on my report but in the remark section its paid, closed, transferred and or sold. will that continue to bring down my numbers and how can i get them to remove them since they are all consolidated?
If it's transfered or sold that means it was transfered over to another collection agency, and most likely won't be removed until t7 years is up..When it is paid off when the collections agency update it every 30 days it will show up on your report and most likely It'll give your score a little boost..
P.S. They will stay on your credit report 7 years from the opening account date..So try to start building credit right now...
If it's transfered or sold that means it was transfered over to another collection agency, and most likely won't be removed until t7 years is up..When it is paid off when the collections agency update it every 30 days it will show up on your report and most likely It'll give your score a little boost..
P.S. They will stay on your credit report 7 years from the opening account date..So try to start building credit right now...
Does a prepaid credit card help improove your credit?
i have bad credit so i bought a prepaid card does it help at all or waist or time and money?
Prepaid cards won't, but secured cards very often report to the credit bureaus, and they WILL improve your credit.
It will not help your credit, there is no creditor, since you prepaid the card.
Prepaid cards won't, but secured cards very often report to the credit bureaus, and they WILL improve your credit.
It will not help your credit, there is no creditor, since you prepaid the card.
Help with Capital One Bill...?
Alright Capital One put my credit card into collections. It was kind of my fault and kind of their fault on their part. I didnt pay because I didnt know the due date and they sent it into collections for sending my statement to my old address from like 5 years ago so anyways I was going to settle with them but they want like 400 dollars in like 1 payment and i am not doing that do you think if i send them like 100 dollars they will take that off my bill or will they refuse that?
Like the other response said Capital One sucks. You have had to be more than one payment behind for them to send you to collections. Did they send to a debt collection agency. If so, if you settle for anything get it in writing before you send any type of payment. Never give them your bank info or soc sec. #. Send in a money order and not a check and keep records of everything. Tell them what you can send for payment, take control of the situation.
They will refuse the payment. You are at fault, it was your responsibility to notify the company of change of address and to pay your debt. Once the collection agency has it your debt will triple, then when the courts get involved you can add court costs and lawyer fees to your bill. Your refusal to pay the 400 will turn your debt into 2500
Like the other response said Capital One sucks. You have had to be more than one payment behind for them to send you to collections. Did they send to a debt collection agency. If so, if you settle for anything get it in writing before you send any type of payment. Never give them your bank info or soc sec. #. Send in a money order and not a check and keep records of everything. Tell them what you can send for payment, take control of the situation.
They will refuse the payment. You are at fault, it was your responsibility to notify the company of change of address and to pay your debt. Once the collection agency has it your debt will triple, then when the courts get involved you can add court costs and lawyer fees to your bill. Your refusal to pay the 400 will turn your debt into 2500
Does anyone know why dish network guys need your credit card for new account.?
and why do they do credit check if they do it all
So the companies knows it will get paid on time. Yes they do a credit check as does every other utility company otherwise you give them 1k deposit.
So the companies knows it will get paid on time. Yes they do a credit check as does every other utility company otherwise you give them 1k deposit.
Use credit card to assist in lowering home loan interest?
Hi,
I heard a lot of people talking about using a credit card to lower their home loan interest charge. It went along the line of putting the whole pay in the loan account and using a credit card to pay for your living costs.
does anyone know how this works?
thanks!
I think what you are talking about is having the credit card attached to your home loan.
Let's say you earn $2000 per month. Monthly mortgage payment is $800 ($600 interest, $200 principal). That leaves $1200 from your pay check that is also applied to your home's principal. You've applied about $1400 toward your home's principal. Now pay your bills with the credit cards. Any money you spend with the credit card is added to your home's principal balance. So, at the beginning of the month, your principal may have been reduced $1400 ($1200 about $200 principal from the $800 mortgage payment). As you pay your other bills, those charges are added back into your homes principal balance.
Any left over money at the end of the month is retained by the mortgage company and is applied to your home's principal (minus possible interest charges). If you don't spend more than the remaining principal for the month, your card is actually paid in full at the end of the month.
Hadn't heard that one. Most of these pay off your home mortgage faster deals involve a home equity loan. And, no, they don't work. The HELOC usually have higher interest rates. Makes no sense to pay a lower interest rate mortage with a higher interest rate HELOC.
The credit card idea makes even less sense.
It doesn't work. A credit card has an interest rate many times that of a mortgage.
I heard a lot of people talking about using a credit card to lower their home loan interest charge. It went along the line of putting the whole pay in the loan account and using a credit card to pay for your living costs.
does anyone know how this works?
thanks!
I think what you are talking about is having the credit card attached to your home loan.
Let's say you earn $2000 per month. Monthly mortgage payment is $800 ($600 interest, $200 principal). That leaves $1200 from your pay check that is also applied to your home's principal. You've applied about $1400 toward your home's principal. Now pay your bills with the credit cards. Any money you spend with the credit card is added to your home's principal balance. So, at the beginning of the month, your principal may have been reduced $1400 ($1200 about $200 principal from the $800 mortgage payment). As you pay your other bills, those charges are added back into your homes principal balance.
Any left over money at the end of the month is retained by the mortgage company and is applied to your home's principal (minus possible interest charges). If you don't spend more than the remaining principal for the month, your card is actually paid in full at the end of the month.
Hadn't heard that one. Most of these pay off your home mortgage faster deals involve a home equity loan. And, no, they don't work. The HELOC usually have higher interest rates. Makes no sense to pay a lower interest rate mortage with a higher interest rate HELOC.
The credit card idea makes even less sense.
It doesn't work. A credit card has an interest rate many times that of a mortgage.
Is it better for me to settle my own debts or use a company?Will this then give me a credit score?
Is it better for me to settle my own debts or use a company?Would they be able to settle cheaper than just by myself? Will this then give me a credit score?
I'm 22, never had any credit at all (no cellphone, or cars bought that are on my credit,no credit cards), I'm wanting to try to buy a house now, but when I was younger I was immature and have about $5,000 of unpaid bills on my credit (medical,electric,water bill,phone bill,etc.) some about 4 years old up to last year... Any advice would help
also I have like $700 on my credit because I signed up to go to College, when I just turned 18, but I guess I didn't think that I was signed up until I applied for federal grants, Or go on the first day, but they have that on my credit report, I guess I didn't understand at that time. Is there anything I can do about that?
I would try just paying the cheaper ones first..and the bigger accounts try to talk with them yourself (some collectors are wiling to work with you) and if it doesn't work out then try using a consolidation company..As for the $700 I'm pretty sure you might have to end up paying that also, it depends on the statues of limitations in your state (Age to enter contract)..But I did the same exact thing you did as a kid, but luckily my total debt only came up to $1,126 and I'm paying it off now...
As for tips on building credit..try applying for a secured credit card at your local bank or credit union and you decide your limit with your deposit ($300 )..I hope this helped !!
I'm 22, never had any credit at all (no cellphone, or cars bought that are on my credit,no credit cards), I'm wanting to try to buy a house now, but when I was younger I was immature and have about $5,000 of unpaid bills on my credit (medical,electric,water bill,phone bill,etc.) some about 4 years old up to last year... Any advice would help
also I have like $700 on my credit because I signed up to go to College, when I just turned 18, but I guess I didn't think that I was signed up until I applied for federal grants, Or go on the first day, but they have that on my credit report, I guess I didn't understand at that time. Is there anything I can do about that?
I would try just paying the cheaper ones first..and the bigger accounts try to talk with them yourself (some collectors are wiling to work with you) and if it doesn't work out then try using a consolidation company..As for the $700 I'm pretty sure you might have to end up paying that also, it depends on the statues of limitations in your state (Age to enter contract)..But I did the same exact thing you did as a kid, but luckily my total debt only came up to $1,126 and I'm paying it off now...
As for tips on building credit..try applying for a secured credit card at your local bank or credit union and you decide your limit with your deposit ($300 )..I hope this helped !!
Charged off bank card?
had like 111$ charged off i know it goes to systems and says my balence at 0 now....can i still use my card? this like second chance banking?
if it is charged off then that account is closed and you have a ding on your credit record showing this account was not paid in full but that they charged it off meaning they pretty much figured you would not pay the debt and wrote it off to a collection agency,
if it is charged off then that account is closed and you have a ding on your credit record showing this account was not paid in full but that they charged it off meaning they pretty much figured you would not pay the debt and wrote it off to a collection agency,
I have a question about my credit score.?
I am 18 almost 19 and I have never had a credit card so my credit score is 0. This is hard because I wanted to get something for my house and I can't get approved anywhere. Not even tmobile will give me a plan under my name. How can I built a credit score? where should I start?
Start by getting a secured credit card.
Just google "secured credit card" and you'll find many offers.
Here's what a secured card is. You give the bank a deposit, say $300. They send you the Visa with a $300 credit limit. You handle that just like a regular Visa, making charges and minimum payments, etc. And you'll be building a good credit history while you do this.
You don't need to charge a lot. Just a burger once a month, and a payment once a month are all it takes.
After a year, if you've handled it responsibly, they usually will upgrade you to a regular visa at that point.
Start by getting a secured credit card.
Just google "secured credit card" and you'll find many offers.
Here's what a secured card is. You give the bank a deposit, say $300. They send you the Visa with a $300 credit limit. You handle that just like a regular Visa, making charges and minimum payments, etc. And you'll be building a good credit history while you do this.
You don't need to charge a lot. Just a burger once a month, and a payment once a month are all it takes.
After a year, if you've handled it responsibly, they usually will upgrade you to a regular visa at that point.
How do I buy something on Ebay using paypal?
I set up my paypal account but I don't know how it works. Do I transfer money to my paypal account from my bank account before I buy something? Or does it just take it from you bank account? I transferred over a dollar to see what would happen but it said it would take 3-5 days to clear. So I'm not sure, and also do I have to connect my paypal account to my ebay account?
Sorry I know a lot of questions, but I need to know thx.
You can set up a bank account or credit card on your paypal account. When purchasing items on Ebay after you win the auction you can see ways to pay on the bottm. Just click pay with Paypal at the bottom of the won auction and it will connect you to your paypal. The funds will be pulled from your bank if thats what you have setup on paypal. It will then showed that you paid for the item on Ebay.
Once your $1 money clears with PayPal, you'll need to Transfer a balance that you can use when you order from ebay, or if you sell from ebay (ebay will take the funds from your paypal account). When you're ready to pay for something, you'll be prompted to use your paypal account, at which point you can log into that account and run the payment transaction (of course, you'll have to have enough funds there first). By the way, ebay owns PayPal, but you probably knew that.-- posted by Ghada Chmeissani.
Sorry I know a lot of questions, but I need to know thx.
You can set up a bank account or credit card on your paypal account. When purchasing items on Ebay after you win the auction you can see ways to pay on the bottm. Just click pay with Paypal at the bottom of the won auction and it will connect you to your paypal. The funds will be pulled from your bank if thats what you have setup on paypal. It will then showed that you paid for the item on Ebay.
Once your $1 money clears with PayPal, you'll need to Transfer a balance that you can use when you order from ebay, or if you sell from ebay (ebay will take the funds from your paypal account). When you're ready to pay for something, you'll be prompted to use your paypal account, at which point you can log into that account and run the payment transaction (of course, you'll have to have enough funds there first). By the way, ebay owns PayPal, but you probably knew that.-- posted by Ghada Chmeissani.
Is there anyway I can test out my credit card to find out the expiration date?
I've lost my credit card somewhere in my house, but have the credit card number and security code written down on a piece of paper. Is there any website where I can test it to find out the expiration date if the card is in my name?
If you lost your card, contact the credit card company and ask for a replacement card.
A likely story.
If you lost your card, contact the credit card company and ask for a replacement card.
A likely story.
This place: www.CapitalBankMexico.com offers very high CD rates. Is it a scam?
When it's too good to be true, it usually is, but I'm looking for first hand experience. Anyone tried this bank?
one way how to tell if your bank is in trouble or not is to look at the cd rates they offer. If they are high or very high they may be in trouble. ie trying to raise money. If they are mid or low they have a good cash flow thats why they are willing to pay you less for your money. Very high cd rates with no fdic backing. I think i would let that one pass. Its not worth risk for the few percent more you'll make.
As they say, if it is too good to be true, it is too good to be true. No FDIC insurance so you could lose everything
I've never tried it. But if you're not sure about something, don't take the risk. Especially with your money. Go to a real FDIC insured bank.
one way how to tell if your bank is in trouble or not is to look at the cd rates they offer. If they are high or very high they may be in trouble. ie trying to raise money. If they are mid or low they have a good cash flow thats why they are willing to pay you less for your money. Very high cd rates with no fdic backing. I think i would let that one pass. Its not worth risk for the few percent more you'll make.
As they say, if it is too good to be true, it is too good to be true. No FDIC insurance so you could lose everything
I've never tried it. But if you're not sure about something, don't take the risk. Especially with your money. Go to a real FDIC insured bank.
What is store credit?
Money or credit that can only be spent at that particular store...like a gift card. It%26#039;s usually given for returns without a receipt
Store credit is when you return an item you bought to the store and they let you get something else in the store.
It is a common practice when you don%26#039;t have a receipt.
its where you have money that you can only spend in that particular store, usually given in a refund or something like that.
Applying for and receiving a store%26#039;s credit card which can only be used there. Rate is normally 21%
%0D%0A
Store credit is when you return an item you bought to the store and they let you get something else in the store.
It is a common practice when you don%26#039;t have a receipt.
its where you have money that you can only spend in that particular store, usually given in a refund or something like that.
Applying for and receiving a store%26#039;s credit card which can only be used there. Rate is normally 21%
%0D%0A
Going to court for credit debt..?
I am going to court this week..(collection agency is suing me). I am still within the SOL, i already went and submitted answer to clerk . They are suing me for 800 dollars from a old capital one card i hadnt paid 3 yrs ago as i was out of work(but am currently employed). Question is what is going to happen in court..i do not have a lawyer ..what kind of documents should i bring in ?I tried to get in touch with CA lawyer to settle before court..but couldn't get in touch with him..in my answer i denied i owned the debt...can anyone share there experience in court for credit debt?Thank you.
Unfortunately since you are within the SOL all you can hope for is to make a settlement with them before you go to court, or have the additional court costs associated with this action also added to you amount owed. What some posters here do not seem to understand is if you have a judgment against you that cannot be removed by BK
Maybe you should have paid your debt 3 years ago when you got a job again? This probably would have been the best way about it. And filing BK doesnt do anything for you but make it worse, and its not gonna remove their judgement. BK is for the people who are irresponsible and need a quick out for their irresponsibility. Pay the bill like a responsible adult.
Same with me. Old Capital one credit card bought by bill collector. I go to court soon. My scum low life bill collector is Patenaude and Felix. I plan to take my camera and get some pictures of this scum. He might get a judgement, but I'm filing Bankruptcy very soon anyway. I just want to cost him as much money and time as I can. Yes in Nevada you can claim Bankruptcy for a credit card judgment!
they summoned me to court but after some back and forth they just accepted 30 dollars a month from me for 800 dollars. I did not have to go to court but if your state allows wage garnishment they will take a percentage of what you make. good luck
File bankruptcy. You do not need to have the entire $175.00 filing fee. File a petition to have the $175.00 paid in 60 days.
Let the attorney know you are in bankruptcy status and they will back off.
Unfortunately since you are within the SOL all you can hope for is to make a settlement with them before you go to court, or have the additional court costs associated with this action also added to you amount owed. What some posters here do not seem to understand is if you have a judgment against you that cannot be removed by BK
Maybe you should have paid your debt 3 years ago when you got a job again? This probably would have been the best way about it. And filing BK doesnt do anything for you but make it worse, and its not gonna remove their judgement. BK is for the people who are irresponsible and need a quick out for their irresponsibility. Pay the bill like a responsible adult.
Same with me. Old Capital one credit card bought by bill collector. I go to court soon. My scum low life bill collector is Patenaude and Felix. I plan to take my camera and get some pictures of this scum. He might get a judgement, but I'm filing Bankruptcy very soon anyway. I just want to cost him as much money and time as I can. Yes in Nevada you can claim Bankruptcy for a credit card judgment!
they summoned me to court but after some back and forth they just accepted 30 dollars a month from me for 800 dollars. I did not have to go to court but if your state allows wage garnishment they will take a percentage of what you make. good luck
File bankruptcy. You do not need to have the entire $175.00 filing fee. File a petition to have the $175.00 paid in 60 days.
Let the attorney know you are in bankruptcy status and they will back off.
When i lose my credit card can i.....?
if i ever do lose my card and i report it and some one else uses it,can i found out who did like their address? and also if i found a credit card what do i do is there a reward?
P.S. im new to CC's
Most likely the person who has lost the card has already reported it lost & the account is closed, so there is no incentive for a reward.
If someone uses your card (after its stolen or lost), you do not get any info on who it is, where they possibly live etc. All you do is report a fraudulent charge to your card to the card's fraud department and follow their instructions.
I don not think they would tell you their Address you know legal rights.
And as for as you finding a credit card and getting a award for being honest you need to check your self a your motives.
P.S. im new to CC's
Most likely the person who has lost the card has already reported it lost & the account is closed, so there is no incentive for a reward.
If someone uses your card (after its stolen or lost), you do not get any info on who it is, where they possibly live etc. All you do is report a fraudulent charge to your card to the card's fraud department and follow their instructions.
I don not think they would tell you their Address you know legal rights.
And as for as you finding a credit card and getting a award for being honest you need to check your self a your motives.
Does adding an additional cardmember onto my AMEX account help build their credit?
If you add a spouse or child to your credit card account as an authorized user, it will show up and be counted in their credit score. But it won't work for non-related people. Fair Issac has changed the scoring method to prevent people selling piggyback privileges to strangers.
It does help. The Fair Isaac Company changed the methodology again and does include credit history of people who are authorized users on credit cards.
It does help. The Fair Isaac Company changed the methodology again and does include credit history of people who are authorized users on credit cards.
Can I clean up my credit myself?
I want to raise my credit score. Can I improve my credit by myself? What is the first step?
First step: Get a copy of your credit report from each bureau at www.annualcreditreport.com.
Print them out and then go over it very carefully. Highlight anything that doesn%26#039;t belong on your report. Yes, the credit bureaus aren%26#039;t perfect. They make mistakes, especially if you have a common name.
(I feel sorry for anybody that is a John Smith).
If you find mistakes go back to the website and dispute each mistake with each of the three bureaus. You will find a tab on their site for disputes...
This is the basic %26quot;clean-up%26quot; you can do to your credit report.
Anything that is on there and belongs to your credit file is yours.
Any %26quot;bad%26quot; entries will fall off after 7 years.
Current credit card accounts in good standing:
If you carry a balance on your cards start paying them off.
The most points you get thru these accounts is by never using more than 30% of the available credit in a billing cycle. So maxing out credit cards and paying them off in full at the end of the month is just as bad as maxing them out period.
Installment loans... they don%26#039;t do much to your credit score. You are expected to make your monthly payment in full until the loan is paid off.
They become detrimental if you have too many of them and you are seeking yet another installment loan.
So before you go out to get pre-qualified for a mortgage:
All Credit Card Balances should be down at or below the 10% limit of the cards credit limit.
Try not to have car loans... pay that car off and drive it before you apply for a mortgage.
Yes. Pay your bills on time, you can also get a secured credit card and pay that bill on time as well. Pay off your current debt load as well.
yes
%0D%0A
First step: Get a copy of your credit report from each bureau at www.annualcreditreport.com.
Print them out and then go over it very carefully. Highlight anything that doesn%26#039;t belong on your report. Yes, the credit bureaus aren%26#039;t perfect. They make mistakes, especially if you have a common name.
(I feel sorry for anybody that is a John Smith).
If you find mistakes go back to the website and dispute each mistake with each of the three bureaus. You will find a tab on their site for disputes...
This is the basic %26quot;clean-up%26quot; you can do to your credit report.
Anything that is on there and belongs to your credit file is yours.
Any %26quot;bad%26quot; entries will fall off after 7 years.
Current credit card accounts in good standing:
If you carry a balance on your cards start paying them off.
The most points you get thru these accounts is by never using more than 30% of the available credit in a billing cycle. So maxing out credit cards and paying them off in full at the end of the month is just as bad as maxing them out period.
Installment loans... they don%26#039;t do much to your credit score. You are expected to make your monthly payment in full until the loan is paid off.
They become detrimental if you have too many of them and you are seeking yet another installment loan.
So before you go out to get pre-qualified for a mortgage:
All Credit Card Balances should be down at or below the 10% limit of the cards credit limit.
Try not to have car loans... pay that car off and drive it before you apply for a mortgage.
Yes. Pay your bills on time, you can also get a secured credit card and pay that bill on time as well. Pay off your current debt load as well.
yes
%0D%0A
Sunday, March 22, 2009
Don
Last year an old man passed away and he had two cats. The daughter was friends with one of the children's farms managers farms and we had these two cats at the farm. His daughter started at the local Sainsburrys supermarket. They now donate to us there out of date fruit and veg for the animals at the farm. As we are a charity the manger of the supermarket has said we can have as much out of date stuff as we want for free.
Thats brilliant.
yes loc comany can be a big help plz think outside the box ch in w other maybe a farm has last tr hay they can offer or ch to see if the power co there has sp grants for fnpo like yours good luck
Thats brilliant.
yes loc comany can be a big help plz think outside the box ch in w other maybe a farm has last tr hay they can offer or ch to see if the power co there has sp grants for fnpo like yours good luck
I want to help my parents run their business. were do i start?
ok, so my parents and my aunt own an EMS transportation company. basically, its a medican transportation company for the sick and elderly. they do hospital discharges, transportation to dialysis and oncology facilities, anywere patients have appointments. we have ambulances and emt's for basic life support. we also have minivans for patients who do not require ambulatory transportation, but have no other means of conveyance to their appointments. so basically, i want to help them run their company, but i dont know the first thing about running a business.
are there any special classes or courses that i should look at? should i go to a technical college? what programs should i take into consideration?
Business accounting courses would be invaluable I would think. There are medical billing courses offered by many community colleges as well. They would cover things like insurance, medicare, and medicaid.
you should check with the state to see if you need a CDL type driver's license. if you could get EMS training that would be good too. you should tell your parents that you want to learn the business and see if they will start teaching you. tell them you want to learn the business inside and out and ask where and when you can start.
Some of the ways you can advertise your business are:
1. Post an article about your business on related blogs and get free visitors and back links
2. Submitting to directories
3. Free classifieds
4. Forums
Send an email with more information about your business to e@culx.net for free help on finding new customers and increasing sales.
Why don't you ask your parents? The question I would ask is: If there's something that you really wish you had knowlege about, what would that be? Then look into pursuing that. It will "fill in a gap" that's missing in their business.
are there any special classes or courses that i should look at? should i go to a technical college? what programs should i take into consideration?
Business accounting courses would be invaluable I would think. There are medical billing courses offered by many community colleges as well. They would cover things like insurance, medicare, and medicaid.
you should check with the state to see if you need a CDL type driver's license. if you could get EMS training that would be good too. you should tell your parents that you want to learn the business and see if they will start teaching you. tell them you want to learn the business inside and out and ask where and when you can start.
Some of the ways you can advertise your business are:
1. Post an article about your business on related blogs and get free visitors and back links
2. Submitting to directories
3. Free classifieds
4. Forums
Send an email with more information about your business to e@culx.net for free help on finding new customers and increasing sales.
Why don't you ask your parents? The question I would ask is: If there's something that you really wish you had knowlege about, what would that be? Then look into pursuing that. It will "fill in a gap" that's missing in their business.
Names for Event/Wedding Planning Business?
What is a good name for an event/wedding planning business? Thanks!
perfect planners
perfect planners
Ebay scam? Wants to send money by post?
Someone has brought my psp and 39 games on ebay for 350 (should I sell for this?) and they say they dont have paypal so want to send the money via post - they arent asking me to send the item first though, just asking for my home address so they can send it. Does this sound dodgy? they have 100% feedback of 8 transactions.
I only sell by paypal on ebay now after a woman sent me a check for MORE than the amount due, I sent her a check for the difference (thinking she made an honest mistake) and sent the item. I had waited for the check to clear first mind you. Then THREE WEEKS LATER the check bounced with check bouncing fees added from my bank. I had one heck of a time finally getting back the $12 for the book, plus the shipping amount, plus the difference I sent her back plus the check overdraft fees. I had to complain through ebay and square trade and it was a big MESS. Even money orders can be fake now and money wires are suspect. You are selling for a lot of money. I would not chance it. The woman I dealt with had good feedback of higher than that and had mostly bought Bibles on ebay. I think her bank may have let her check to me go through for about a week on overdraft to her until she didn%26#039;t cover her overdraft and then her bank bounced it back to my bank, but writing the check for more than the amount was suspicious. They can have good feedback initially until the check bounces and then you can%26#039;t fix your feedback error to them. And now ebay only allows POSITIVE feedback for buyers, no negative feedback is allowed for buyers, so if she only buys things, then of course she will have 100% no matter how many checks she bounces.
P.S. Tell her you will only accept a POSTAL money order if it is U.S. In the U.S. it is a federal crime to use the post office for mail fraud.
l use e-bay and very often sent the money in a letters. seems dodgy not accepted or you think that will send you a car-bomb inside?
as a seller- firstly you have to get the payment and if you do not get- all ok. you may inform e-bay that you didn%26#039;t get it so they will not charge you for tansaction.. it%26#039;s not obligation to have a pay-pal, but is obligation to be honest.. you can not charge that person more then 350. beeing a member of e-may (what you are?) you accept to sell it for a final price..
if you have a doubt- ask e-bay..
Oh my god ... are you for real? He wants to send you the money first before you post it to him??? lol
So what? Wait until the money comes and then post. It%26#039;s not like it%26#039;s you post it to him and wait for payment. That would be dodgy.
I know several people that don%26#039;t use paypal on ebay. If you are concerned you could always get a PO box so they won%26#039;t have your home address. Just wait till the check clears before sending the items.
%0D%0A
I only sell by paypal on ebay now after a woman sent me a check for MORE than the amount due, I sent her a check for the difference (thinking she made an honest mistake) and sent the item. I had waited for the check to clear first mind you. Then THREE WEEKS LATER the check bounced with check bouncing fees added from my bank. I had one heck of a time finally getting back the $12 for the book, plus the shipping amount, plus the difference I sent her back plus the check overdraft fees. I had to complain through ebay and square trade and it was a big MESS. Even money orders can be fake now and money wires are suspect. You are selling for a lot of money. I would not chance it. The woman I dealt with had good feedback of higher than that and had mostly bought Bibles on ebay. I think her bank may have let her check to me go through for about a week on overdraft to her until she didn%26#039;t cover her overdraft and then her bank bounced it back to my bank, but writing the check for more than the amount was suspicious. They can have good feedback initially until the check bounces and then you can%26#039;t fix your feedback error to them. And now ebay only allows POSITIVE feedback for buyers, no negative feedback is allowed for buyers, so if she only buys things, then of course she will have 100% no matter how many checks she bounces.
P.S. Tell her you will only accept a POSTAL money order if it is U.S. In the U.S. it is a federal crime to use the post office for mail fraud.
l use e-bay and very often sent the money in a letters. seems dodgy not accepted or you think that will send you a car-bomb inside?
as a seller- firstly you have to get the payment and if you do not get- all ok. you may inform e-bay that you didn%26#039;t get it so they will not charge you for tansaction.. it%26#039;s not obligation to have a pay-pal, but is obligation to be honest.. you can not charge that person more then 350. beeing a member of e-may (what you are?) you accept to sell it for a final price..
if you have a doubt- ask e-bay..
Oh my god ... are you for real? He wants to send you the money first before you post it to him??? lol
So what? Wait until the money comes and then post. It%26#039;s not like it%26#039;s you post it to him and wait for payment. That would be dodgy.
I know several people that don%26#039;t use paypal on ebay. If you are concerned you could always get a PO box so they won%26#039;t have your home address. Just wait till the check clears before sending the items.
%0D%0A
Tuesday, March 10, 2009
Did the Heritage Community Bank in Aurora, Indiana fail?
I can't find proper information about the bank online. The telephone number (from the yellow pages) belongs to a private person, the webpage looks like scam...
I got a contract note from the company ocen wind oil and gas company whether it is true or not plz help me?
i got a contract note from the company ocen wind oil and gas company whether it is true or not plz help me
and they told to pay the amount for work permit and as well as for visa through executive de tour international travel agency where it is located at scotland and the company is also located in scotland please help me in this regard at the earliest.
and they told to pay the amount for work permit and as well as for visa through executive de tour international travel agency where it is located at scotland and the company is also located in scotland please help me in this regard at the earliest.
Could some one kindly assist me to contact MyGolfProShop in South Carolina, contact no. toll free 800 505 1719?
Hi,
I am Yeoh from Malaysia, on Sept. 04, 2008. I have placed an order to MyGolfProShop in SC, USA. I received the confirmation of my order no. 1342 and payment made by credit card, however, six months later I still didn't received my order, a new golf club (Driver), although, I have sent many emails, some time they replied, but most of the time they don't. I would be much appreciate if some one can assist to contact their customer service dept. at MyGolfProShop, 3300 N, Main, Suite D, Anderson, SC 29621, request them to email to me at yeohhk@pc.jaring.my
Thank you and regards,
Yeoh
I am Yeoh from Malaysia, on Sept. 04, 2008. I have placed an order to MyGolfProShop in SC, USA. I received the confirmation of my order no. 1342 and payment made by credit card, however, six months later I still didn't received my order, a new golf club (Driver), although, I have sent many emails, some time they replied, but most of the time they don't. I would be much appreciate if some one can assist to contact their customer service dept. at MyGolfProShop, 3300 N, Main, Suite D, Anderson, SC 29621, request them to email to me at yeohhk@pc.jaring.my
Thank you and regards,
Yeoh
Could any one please assist to contact MyGolfProShop toll free 800 505 1719?
I am Yeoh from Malaysia, on Sept. 04, 2008, I placed an order to MyGolfProShop and made the payment by credit card, I received my confirmation order no. 1342. It is new golf driver, six months later I did not received my order, although I have sent many emails, sometime they replied, but most of the time they don't. I would be much appreciate if some body from South Carolina can help me to call them to ask them to contact me. Thank you very much. Their shipping address 3300 N, Main, Suite D, Anderson, SC 29621
Don
You cant find the droids you're looking for?
Damn droids. The last two models are rubbish, Bush-2001 and the Obama-2008. The organic microprocessor keeps running on the wrong frequency.
Damn droids. The last two models are rubbish, Bush-2001 and the Obama-2008. The organic microprocessor keeps running on the wrong frequency.
When a person goes to the store and buys milk or bread supply and demande cannot apply because there is ...?
When a person goes to the store and buys milk or bread supply and demande cannot apply because there is no auctioneer. Do you agree or disagree? Why or Why not?
Does amazon send items to India?
I am in India and want to know if I buy products on amazon.com, will they ship it to India?
Depends on what kind of products you want to buy from amazon.com. Amazon only ships books, music cds etc to India. But if you are looking for other products, they may/may not ship to India. But if you want to buy stuff from US that you cant get in India, you get it through 20north.com. Even I wanted to get a play station from amazon but they wouldn't ship. I found it on 20north.com and they delivered it to my doorstep in India from US and they have a huge range too almost as good as target.com or amazon. and they accept payment in rupees too
Depends on what kind of products you want to buy from amazon.com. Amazon only ships books, music cds etc to India. But if you are looking for other products, they may/may not ship to India. But if you want to buy stuff from US that you cant get in India, you get it through 20north.com. Even I wanted to get a play station from amazon but they wouldn't ship. I found it on 20north.com and they delivered it to my doorstep in India from US and they have a huge range too almost as good as target.com or amazon. and they accept payment in rupees too
How big is the fashion design industry in Adelaide?
hi my name is Michal and I'm a fashion designer
i want to move to Adelaide but it seems i cant find fashion design jobs in Adelaide on the web
do you know how big is the fashion design industry in Adelaide?
does it exist? and is it possible to find job in fashion design there?
thanks a lot
Michal
23 minutes ago
i want to move to Adelaide but it seems i cant find fashion design jobs in Adelaide on the web
do you know how big is the fashion design industry in Adelaide?
does it exist? and is it possible to find job in fashion design there?
thanks a lot
Michal
23 minutes ago
Canada Post - Special Envelopes?
I am sending a relative a gift for his birthday on Monday (March 16th). It consist of two disc (in case) and two envelopes - possible some other thing if I can think of something.
Question is - how much do one of those envelopes cost? How much does it cost to send it on a priority? If I don't send it on priority how long will it take to get there?
Question is - how much do one of those envelopes cost? How much does it cost to send it on a priority? If I don't send it on priority how long will it take to get there?
Hiring a hall........?
Doe's anyone know where I can hire a hall for my business in northampton, northamptonshire.
Phone some hotels in the area, as they should all have function suites available for such things.
Phone some hotels in the area, as they should all have function suites available for such things.
I am looking for a company that will value?
citizen watches, i have 2 of them a gents and a ladies that are in mint condition and wonder if anyone knows anywhere that will value them for me. i have been in touch with citizen new zealand who have told me the rrp they were originally sold at but i would like an up to date valuation thanks everyone...
Does anybody know where I can buy second-hand/vintage/retro glasses or frames in London?
I'm aware there are plenty of online stores and ebay is very good but I really would prefer to handle the glasses and try them on etc before buying. I've done a few internet searches but no luck. If anyone knows of anywhere I would be very grateful!
Camden Market
Camden Market
I
links..
not that i want to book any of it
but links that could help me with understanding hotel,to increase my knowledge of hotels/hospitality
not that i want to book any of it
but links that could help me with understanding hotel,to increase my knowledge of hotels/hospitality
THIS QUESTION IS ONLY FOR GIRLS!?
Is there any Modeling school in Australia Sydney??
And how can i contact it?
Does is have a website????
I know you think i am annoying coz i ask too much questions!LOL
so yeah.SOMEONE HELP@!!!
And how can i contact it?
Does is have a website????
I know you think i am annoying coz i ask too much questions!LOL
so yeah.SOMEONE HELP@!!!
Where could I hire out a warehouse/find large open space for a music video?
I am making a music video towards the end of the year, does anybody know of any place in Sydney, Australia where warehouses/large rooms can be hired? Or does anyone know of any large open spaces perfect for filming a music video? Thanks.
Monday, March 9, 2009
Smes' financing rules
Change has swept over the whole industry, social and professional development. In the past few years, changes in information technology, and the changing face of small business financing. The loan is approved by the decision of a computer program, unless the enterprise credit rating to loan or credit product more than $100,000.
Automatic credit rating reduces the main process, improve the loan bank profitability. A and your bank does help in some areas, but cannot be credit rating.
This may benefit from some of the company's main body, be deleted. For example, many commercial Banks failed during the credit portfolio of restaurant may be more inclined to refuse your loan. Credit rating system will remove any bias exists in enterprise financing decision process. Other potential benefits of credit rating delete need business plan, only financial needs.
Since "new rules under the jurisdiction of the" small financing for small business process for enterprise owners, can through these strategies:
Small business financing strategy
Evaluate credit demand: if the amount needed to $100,000, suitable for ten million dollars or more. Pocket Usually, if the central bankers expected business plan, it may not use the credit mode.
Let your credit report: in making loans or credit card application, get your credit report, and check for errors and omissions.
Is the accurate: if you are less than $100,000 for the bank credit rating and used to all the problems, automation of the loan or credit application. Please confirm your data is accurate and ask about the application of information.
Watch your code: please make sure that you provide an accurate description of your business. Bank of your company in North America (code industrial classification system), north on silicon carbide or code. Incorrect coding, can change the results for approval.
Know why: if your application is rejected, request to explain or "person".
Search bank: type of bank you choice for small business financing. A larger Banks or agency will use automatic credit rating system, etc. For local community Banks or professional bank for a specific industry.
The new change, in order to finance market is a competitive industry. Many of the players (eg. Non-bank Intuit, state farms, ge capital company) is forcing Banks adapt to market or lose market share. For small business owners, it means more choice and service of all the company's scale and the power of awakening businesses.
Automatic credit rating reduces the main process, improve the loan bank profitability. A and your bank does help in some areas, but cannot be credit rating.
This may benefit from some of the company's main body, be deleted. For example, many commercial Banks failed during the credit portfolio of restaurant may be more inclined to refuse your loan. Credit rating system will remove any bias exists in enterprise financing decision process. Other potential benefits of credit rating delete need business plan, only financial needs.
Since "new rules under the jurisdiction of the" small financing for small business process for enterprise owners, can through these strategies:
Small business financing strategy
Evaluate credit demand: if the amount needed to $100,000, suitable for ten million dollars or more. Pocket Usually, if the central bankers expected business plan, it may not use the credit mode.
Let your credit report: in making loans or credit card application, get your credit report, and check for errors and omissions.
Is the accurate: if you are less than $100,000 for the bank credit rating and used to all the problems, automation of the loan or credit application. Please confirm your data is accurate and ask about the application of information.
Watch your code: please make sure that you provide an accurate description of your business. Bank of your company in North America (code industrial classification system), north on silicon carbide or code. Incorrect coding, can change the results for approval.
Know why: if your application is rejected, request to explain or "person".
Search bank: type of bank you choice for small business financing. A larger Banks or agency will use automatic credit rating system, etc. For local community Banks or professional bank for a specific industry.
The new change, in order to finance market is a competitive industry. Many of the players (eg. Non-bank Intuit, state farms, ge capital company) is forcing Banks adapt to market or lose market share. For small business owners, it means more choice and service of all the company's scale and the power of awakening businesses.
How to get a Bank Loan or Credit?
Your personal credit records Firstly, when activated, found the bank loans or credit card with your banker is certified public accountants, or a lawyer, but you! Most of the cases, small enterprise, enterprise owners, make your credit history, it is important to get loans.
How good or bad you personal credit records can affect the bank loan you some money. With all these big enterprise bankruptcy, bank lending scrutiny, and all of the risk of trying to reduce. Before you enter a financial institution loans, you know. If you can explain deferred payment and know why it is your credit files and then your bank offers a reasonable explanation.
Please check your credit history, three credit bureau of missing data errors and omissions,. For example, you may have canceled the credit limit $2000 years, but still can be in the archives. American development bank will think it is to provide credit and loan scale limited.
The individual credit records for your report, the three major credit card company (Equifax Experian and TransUnion), ranging from $12.95 free to price. The three reports or command one company. You can also choose to order by telephone, E-mail or online.
So remember to obtain cash, you first need to your small enterprise is a clean credit report.
Small Business Loan introduce
Essentials of Small Business Loan，it maybe can help you!
As a small company owner, you are the most difficult task is to look for funding the operation of your business. Take the necessary measures to prepare for a small business loan can minimize the difficulties. Society for the knowledge you need in order to lease contract.
Banks and other lending institutions, the risk factors cited as its main reason to reject loan requests from small businesses to start business. However, you also can get a loan to your company's business in order to properly prepare.
Avoid common mistakes, you can begin to consider with a fellowship from the government and community agencies. It can not be even more money than your own savings, family members, friends, or banks.
As a small company owner, you are the most difficult task is to look for funding the operation of your business. Take the necessary measures to prepare for a small business loan can minimize the difficulties. Society for the knowledge you need in order to lease contract.
Banks and other lending institutions, the risk factors cited as its main reason to reject loan requests from small businesses to start business. However, you also can get a loan to your company's business in order to properly prepare.
Avoid common mistakes, you can begin to consider with a fellowship from the government and community agencies. It can not be even more money than your own savings, family members, friends, or banks.
The main requirement to obtain small business loan are your personal credit history, business plan, experience, education, and feasibility of the business, you start or expand.
At present, the most important task to obtain a small business loan is preparation of a business plan. The company's business plan shows that the loans necessary for you to provide a small business loan is a low-risk proposition. Your business plan must answer this question, lending institutions will ask.
These questions usually are: How much does it cost you? If you started a business, this should include at least at start-up capital estimate.
Accuracy is very important, so request enough money to invest in a proper way. Are you going to do with the money? You will need to provide a detailed, specified the use of every dollar. A small business loans, often need surgery (new employees, marketing, etc.), assets (equipment, real estate, etc.), or pay off debt.
Business When did you return the small business loans A detailed explanation of this loan will be small businesses as a springboard for your business. You will need to convince the lender (with your financial statements and cash flow forecast) you have the ability to repay the loan through the expected long-term profitability of your business.
To do what you will, if you do not put the loan Credit to know so that exclusion does not prevent you from your business start or grow. You want to portray a confidence, determination and character after you until you obtain loans loans people money, you need to get your business mobile. As a small company owner, you need to have a certain degree of tenacity. The risk of confidence and pride.
Let creditor know that you are in control, you know what is best for you and your business. Lending institutions need to understand loans. But if you do not make people, not to become disheartened. Why not ask your lender of loans to small businesses. Learn from our mistakes, the answer and move on, and other borrowers.
Women's Venture Fund is a resource for women in business in need of money and training to expand their risk for New York and New Jersey businesses.
To know more about women's venture capital fund called 532 - 258 - 0499
www.womensventurefund.org or visit.
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