Donna asks…
Are the any comparable free categorized ad website like craigslist and backpage?
I require a lot more totally free categorized advert internet sites and other free message boards of marketing and advertising publication for marketing for my credit rating repair providers.
ItIsAllHere solutions:
Hello there
There are some sites like craigslist. It may be will help you.
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Source:
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Mark asks…
Some1 said men and women in "Politics" no a great deal. Can somebody describe what a "merchant" is relating to credit rating cards?
I tried using for two times to locate reply in two other message boards. No go. SO I ask right here in which I hear individuals are intelligent.
a good friend performs for a credit rating fix business. Only been there three months,.They use 'merchants' . She claims the business keeps losing 'merchants' since they have a lot of what are named 'chargebacks".
No one appears to want to explain to her what all of this means. They just want her to provide in income. But, there have been a handful of problems with her paychecks.The firm has at times had a issue with payroll and was not compensated on time. Se discovered that ahead of she came on board, a 'merchant' had 'froze" the company's account.
Can anybody explain what a 'merchant account is or in the choice, give us a link that will clarify exactly what 'merchants' do?
Many thanks. It would be appreciated.!
in the past
(she was instructed that the merchant account was what was utilized for payroll? and most of the product sales are made by taking money from customer's credit cards.)
ItIsAllHere solutions:
Ok people use their credit history cards to purchase things from stores. The shops are the retailers. The credit history card companies are banks that are creating quick term loans to the retailers on behalf of the customers with the arrangement that the customer is going to spend them back again. Often individuals charge more than they can find the money for and can not repay all that they borrowed. That is when they need credit history repair providers to aid deal with their accounts and negotiate payments they can find the money for.
A chargeback is when a buyer returns a thing and the appeal of it is credited again to the credit card used to buy the item. This could create a complication for a 3rd or fourth celebration credit score restore firm as it would comnpletely alter the math of the loans they are attempting to make and the balances they are doing work with. It generally will take them out of the equation when clients merchants and credit history card businesses solve the issues with no them. So any time a chargeback happens, the credit repair services loses an chance to make dollars. And a lot of credit fix comanies are just getting advantage of people . So several merchants never want to deal with them if they suspect they are hoping to do a thing unethical. This could be why the accounts ended up frozen.
Lisa asks…
Greatest on-line forum for mortgage loan and foreclosure acquire investments?
Can anyone give me a very good on-line forum to request questions about purchasing foreclosure residence?
Is was largely asking yourself if it is (approximately) achievable to get a obtain a foreclosed home, and then get an equity financial loan and that same home.
For instance, a condo charges $20,000, I pay fifty percent up front and finance the remaining $10,000.
The residence is worth $40k, can I get an equity loan for the $20k equity, shell out of the house loan, and use the remaining $10k for repairs and advancements?
Or is it unlikely for a bank to give an equity loan in that circumstance? Assuming credit score and every little thing else checks out.
A excellent on-line forum would be awesome but answering the problem would help also, thank you :)
ItIsAllHere solutions:
Whether you can get an equity bank loan is dependent on your circumstance, you are not finding an equity loan on the first acquire, that is not likely to take place.
Sharon asks…
Is "Guy Wrecks His Credit rating for Girlfrd" a newsworthy headline correct up there with "Sunshine Rises In The Morning"??
I located this publish in the finance part of fatwallet community forums. Another tale of a male ruining his existence to purchase a golddigger every thing she desires.
hxxp://www.fatwallet.com/t/52/806763/
I am wondering if I should discuss to my pal about this or just permit the practice wreck arrive with out saying anything at all. Honestly I assume I will keep my mouth shut just because he most likely will not likely communicate to me any more if I say something. Essentially he has a girlfriend that he is Sure "loves" him. From what I can notify from a single of her buddies
she has a history of bleeding her companions dry economically then shifting on.
Generally he has been with her about 18 months and has gone from about zero dollars in credit card debt to now around 20K in that time and it is obtaining added to every single month.
He has also gotten a family member to equilibrium transfer 8K to her credit history card simply because he can't handle it all. (his family members member thinks he is ONLY 8K in personal debt and is supposedly just assisting him pay out off the 8K at a "decrease fee", but that 8K is not which includes the 20K he is carrying on top rated of that)
He has more than ten credit score cards all with balances as well as an automobile mortgage. He has previously has late payments on some of the cards and he is paying out some on default fascination rates.
He WAS about a yr away from acquiring his degree, but he has postponed that now (aka, dropped out) to work a lot more due to the fact his girlfriend is demanding much more and a lot more. What created him drop out finally was her demand for him to transfer out from leaving with his place mate (that compensated fifty percent the hire on a sensible priced apartment), and now move in to a increased value apartment which he pays for in full himself.
He tends to make about $2200 Internet Pay a month.
If he stops his spending he can nevertheless almost certainly spend off the debt he has, but it really is like he isn't going to see in which this is heading at all.
He is buying her all sorts of crap -
Ipods,
a $600 scanner to scan her photos with!,
laptop pc,
he acquired her a $five hundred PDA phone and a contract underneath HIS identify, and is even paying her each day payments. (foods, auto fix bills, every thing)
She also continuously is on him to get her out to dinner ($a hundred a supper at a great area somtimes),
take her to reveals,
all types of likely out crap that he can not pay for to maintain putting on credit score cards.
She does not help him spend a DIME on ANY invoice.
In simple fact, every time she does get a job she usually only keeps it for a month or so, calls in ill fifty percent that time, and pockets all the cash her self.
Is there anything anyone has at any time discovered you can say to someone in this situation to wake them up?
I detest to see him throw absent his training and be in substantial credit card debt since he thinks his girlfriend would by no means use him for cash. I suggest it is evident to my self, his other friends, and some of his household what is heading on here. Why just isn't it clear to him?
Johno: Lol...wonderful retort! Effectively, it's possible A person really should consider at sitting him down someplace quiet and speaking to him about this stuff, hmm? Personally I find that adult men in these conditions will not pay attention and as an alternative throw all their sh*t again at you... Like YOUR the issue. Sometimes individuals have to understand the challenging way. Unfortunate but correct. Surprise wherever
are the parents/loved ones/great buddies and so forth... when things like this come down?
Tracey: You would be better off to get a live hand grenade in the weapons street market, pull the pin and sit on that sucker. Way much less soreness. The difficulty is, that is what MOST men do as Simps. His is just faster and much more agonizing.
justme1: Loll...I like your imagined approach here. This guy has no constituion and is better off losing his occupation, so cupcake can prove all of his accurate close friends correct when SHE dumps him. Gentleman ruins his credit score and monetary wellness in several situations to make sure you feminine pal, then feminine fiend (not a typo) trades up for yet another sucker. It does not compute! Prostitution is only illegal for the Johns, I guess... *sigh*
And fact is that we are seeing a culture bless the violence towards adult men is now blessing the violence and castration of tiny boys. When we train males that staying hit, humiliated or economically managed is not abuse and then request them if they are victims of abuse, what do you count on to get? If we tell females that if they volunteered to get drunk and have sex nevertheless several years later she regrets it, she was the victim of abuse and asks her if she is the victim of abuse, what do you anticipate to get?
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ItIsAllHere answers:
That is truly unhappy. I definitely feel you should say one thing--the guy is drowning. He may reject what you say, but it is critical to be said. It is also important to say it in a non-judgmental, non-condemnatory way. Never attack him or the girlfriend. Just point out how worrisome this is, and that you are positive that she'll be knowing when he tells her he is obtained to commence spending interest to his credit score and rein points in. That any accountable, loving, caring girlfriend will comprehend this. And that you will be there for him. Allow him fill in the connections among her character and her response to his credit dilemma.
I am unclear, although: did you examine this entire issue on fatwallet, or are you telling this tale due to the fact of some thing related you saw on fatwallet?
Lizzie asks…
Support! Much more queries about collection companies attempting to collect aged, Outdated payments!?
I was the 1 a handful of days ago that had a collection company harassing us about expenses that were composed off 10-twelve several years in the past. (In a nutshell, we ended up in fantastic form, had great credit score, and illness wiped us out, put us on the road, and we're now equally disabled and hardly scraping by.) I want to thank every and every single one particular of you who answered....all the solutions assisted, but I identified out I couldn't thank you on the forum.
But NOW I have a new difficulty. We checked the suggested web sites, talked to the folks advised, identified out you all had been proper that these folks can not legally harrass us.
When we informed them this, they admitted it was accurate, but instructed us if we Did not pay out them, all they had to do to ruin our newly repaired credit score ranking was to inquire about our credit to the credit rating reporting companies every handful of times. I know (and you all possibly know) that every single inquiry drops your credit ranking a level. Within a few months our credit will be crap once more. Blackmail. Any ideas? Thank you!
ItIsAllHere solutions:
Previous personal debt is nonetheless personal debt. Never the a lot less, to defend your self from harassment, tell them absolutely nothing apart from your lawyer's identify and phone number.
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