Lisa asks…
Are the any equivalent free classified advertisement site like craigslist and backpage?
I require much more free categorized ad internet sites and other free forums of marketing and advertising publication for advertising for my credit score restore services.
ItIsAllHere answers:
Hi
There are some web sites like craigslist. It may possibly be will help you.
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Resource:
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Mary asks…
Some1 explained folks in "Politics" no a good deal. Can someone clarify what a "merchant" is relating to credit score cards?
I attempted for two times to uncover answer in two other discussion boards. No go. SO I inquire right here wherever I listen to men and women are wise.
a buddy works for a credit history fix business. Only been there 3 months,.They use 'merchants' . She states the company keeps shedding 'merchants' since they have a great deal of what are called 'chargebacks".
No a single looks to want to clarify to her what all of this indicates. They just want her to provide in sales. But, there have been a couple of difficulties with her paychecks.The firm has sometimes had a difficulty with payroll and was not compensated on time. Se discovered that prior to she came on board, a 'merchant' had 'froze" the company's account.
Can anyone describe what a 'merchant account is or in the alternative, give us a website link that will describe exactly what 'merchants' do?
Thank you. It would be appreciated.!
back
(she was advised that the merchant account was what was used for payroll? and most of the sales are manufactured by taking funds from customer's credit history cards.)
ItIsAllHere solutions:
Ok people use their credit history cards to get stuff from retailers. The retailers are the merchants. The credit score card firms are banks that are creating brief phrase loans to the merchants on behalf of the consumers with the arrangement that the consumer is going to shell out them again. Often people cost far more than they can find the money for and are not able to repay all that they borrowed. That is when they need to have credit rating restore companies to assist control their accounts and negotiate payments they can pay for.
A chargeback is when a client returns a thing and the price of it is credited again to the credit score card used to acquire the product. This could produce a complication for a 3rd or fourth party credit score fix company as it would comnpletely modify the math of the loans they are attempting to make and the balances they are operating with. It generally will take them out of the equation when consumers merchants and credit card organizations resolve the difficulties without them. So any time a chargeback happens, the credit history fix support loses an chance to make income. And a lot of credit rating restore comanies are just using advantage of men and women . So a lot of retailers never want to offer with them if they suspect they are trying to do something unethical. This might be why the accounts were frozen.
David asks…
Best on the internet forum for mortgage loan and foreclosure obtain investments?
Can everyone give me a very good online forum to ask questions about getting foreclosure residence?
Is was primarily wondering if it is (approximately) doable to get a purchase a foreclosed residence, and then get an equity mortgage and that exact same home.
For instance, a condo expenses $twenty,000, I spend half up front and finance the remaining $10,000.
The home is really worth $40k, can I get an equity bank loan for the $20k equity, pay out of the mortgage, and use the remaining $10k for repairs and enhancements?
Or is it unlikely for a financial institution to give an equity financial loan in that circumstance? Assuming credit history and every thing else checks out.
A good on the internet forum would be wonderful but answering the question would support too, thank you :)
ItIsAllHere solutions:
Whether or not you can get an equity financial loan depends on your scenario, you are not getting an equity bank loan on the initial obtain, that is not heading to take place.
James asks…
Is "Guy Wrecks His Credit history for Girlfrd" a newsworthy headline correct up there with "Sunlight Rises In The Early morning"??
I located this publish in the finance segment of fatwallet community forums. Yet another tale of a male ruining his daily life to buy a golddigger almost everything she would like.
hxxp://www.fatwallet.com/t/fifty two/806763/
I am asking yourself if I should speak to my friend about this or just let the prepare wreck arrive with out saying nearly anything. Truthfully I believe I will preserve my mouth shut just simply because he probably won't speak to me any longer if I say nearly anything. Essentially he has a girlfriend that he is Positive "really loves" him. From what I can inform from a single of her pals
she has a heritage of bleeding her companions dry financially then shifting on.
Fundamentally he has been with her about 18 months and has gone from about zero dollars in debt to now over 20K in that time and it really is getting extra to each and every month.
He has also gotten a family member to balance transfer 8K to her credit rating card since he are not able to manage it all. (his household member thinks he is ONLY 8K in credit card debt and is supposedly just assisting him shell out off the 8K at a "reduced charge", but that 8K isn't which includes the 20K he is carrying on top of that)
He has above 10 credit score cards all with balances as well as an automobile loan. He has previously has late payments on some of the cards and he is having to pay some on default curiosity premiums.
He WAS about a calendar year away from finding his degree, but he has postponed that now (aka, dropped out) to perform a lot more due to the fact his girlfriend is demanding much more and much more. What produced him drop out finally was her demand for him to move out from leaving with his space mate (that paid out 50 percent the rent on a sensible priced apartment), and now transfer in to a greater expense apartment which he pays for in entire himself.
He can make about $2200 Web Pay out a month.
If he stops his shelling out he can even now possibly pay off the financial debt he has, but it is like he won't see in which this is heading at all.
He is buying her all kinds of crap -
Ipods,
a $600 scanner to scan her photos with!,
laptop computer,
he received her a $five hundred PDA phone and a contract below HIS identify, and is even having to pay her every day charges. (meals, auto repair payments, almost everything)
She also continually is on him to take her out to supper ($one hundred a dinner at a nice spot somtimes),
take her to shows,
all kinds of likely out crap that he can not manage to preserve placing on credit rating cards.
She does not help him pay a DIME on ANY invoice.
In truth, whenever she does get a task she generally only keeps it for a month or so, calls in sick 50 percent that time, and pockets all the money her self.
Is there anything any person has at any time learned you can say to a person in this predicament to wake them up?
I loathe to see him toss away his education and be in huge financial debt due to the fact he thinks his girlfriend would never use him for money. I mean it is obvious to my self, his other close friends, and some of his family members what is likely on here. Why isn't it evident to him?
Johno: Lol...wonderful retort! Well, possibly A person must try out at sitting him down somewhere peaceful and conversing to him about this stuff, hmm? Personally I locate that males in these conditions don't pay attention and rather throw all their sh*t back again at you... Like YOUR the problem. At times individuals have to find out the difficult way. Unhappy but accurate. Surprise wherever
are the parents/family/good buddies and so forth... when things like this arrive down?
Tracey: You would be better off to purchase a are living hand grenade in the weapons street industry, pull the pin and sit on that sucker. Far significantly less soreness. The difficulty is, that is what MOST men do as Simps. His is just more quickly and far more distressing.
justme1: Loll...I like your believed approach right here. This man has no constituion and is better off losing his task, so cupcake can prove all of his genuine friends appropriate when SHE dumps him. Gentleman ruins his credit and economic wellness in a lot of circumstances to remember to feminine good friend, then feminine fiend (not a typo) trades up for one more sucker. It does not compute! Prostitution is only illegal for the Johns, I guess... *sigh*
And fact is that we are viewing a society bless the violence versus guys is now blessing the violence and castration of small boys. When we train males that becoming strike, humiliated or financially controlled is not abuse and then request them if they are victims of abuse, what do you anticipate to get? If we tell females that if they volunteered to get drunk and have sex yet several years later on she regrets it, she was the victim of abuse and asks her if she is the victim of abuse, what do you expect to get?
http://bit.ly/w3QmiJ
ItIsAllHere solutions:
That's actually sad. I undoubtedly believe you need to say a thing--the man is drowning. He may possibly reject what you say, but it is important to be explained. It really is also critical to say it in a non-judgmental, non-condemnatory way. Do not assault him or the girlfriend. Just point out how worrisome this is, and that you might be sure that she'll be understanding when he tells her he is acquired to start off spending attention to his credit history and rein issues in. That any responsible, loving, caring girlfriend will comprehend this. And that you will be there for him. Allow him fill in the connections in between her character and her response to his credit history issue.
I am unclear, however: did you study this entire query on fatwallet, or are you telling this story since of a thing comparable you observed on fatwallet?
Maria asks…
Help! Far more questions about collection agencies attempting to collect outdated, Outdated charges!?
I was the one a handful of days back that had a assortment agency harassing us about charges that were written off ten-twelve many years ago. (In a nutshell, we ended up in fantastic form, had wonderful credit score, and sickness wiped us out, place us on the road, and we're now both disabled and hardly scraping by.) I want to thank every and each one of you who answered....all the solutions served, but I located out I couldn't thank you on the forum.
But NOW I have a new issue. We checked the suggested sites, talked to the people proposed, discovered out you all had been correct that these folks cannot legally harrass us.
When we told them this, they admitted it was accurate, but instructed us if we Did not spend them, all they had to do to damage our freshly repaired credit history ranking was to inquire about our credit to the credit history reporting agencies each and every few times. I know (and you all probably know) that each inquiry drops your credit rating a point. In a number of months our credit will be crap once again. Blackmail. Any ideas? Many thanks!
ItIsAllHere solutions:
Aged debt is even now personal debt. By no means the a lot less, to defend oneself from harassment, notify them nothing at all other than your lawyer's identify and cellphone range.
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