• Do I need a credit card to rent an apartment?

    My boyfriend and I are trying to move out of my dads place. I’ve heard that a lot of places for rent need a credit check and some type of credit history. A year ago we tried making a payment plan for something and we learned that neither one of us had a good enough credit history even though we have had our debit... show more
    My boyfriend and I are trying to move out of my dads place. I’ve heard that a lot of places for rent need a credit check and some type of credit history. A year ago we tried making a payment plan for something and we learned that neither one of us had a good enough credit history even though we have had our debit cards for 5 years and used them in the past (we stopped 6 months ago and we started saving instead). So debit cards really don’t count as credit history? We want to avoid getting credit cards because we aren’t spending money. We’re just saving. My dad pays for everything (besides our transportation to our jobs) and no my dad doesn’t have a credit card either but he makes a lot of money so I’m sure that’s why he’s been able to do without it. My boyfriend and I aren’t getting along with my dad so my dad can’t help us. If my dad knew of our plans he would actually kick us out and we would have no where to go so we have to be quiet about it. My dad is just crazy like that and very controlling. We just need to get out of here as soon as possible. We have enough money saved up and my boyfriend has a good job that he has had for 2 years now. This whole credit thing is really scaring me though. I just want to know if we can move into an apartment without a credit card.
    10 answers · 23 hours ago
  • I used my brothers debit card to order items. Mostly clothing. What do i do? I feel sh***y?

    Best answer: Of course he will know. You took the money right out of his bank. A debit card is not a credit card. It empties the account at the bank. You better tell him or he will try to buy food or gas with his debit and not be able to if all the money is gone.
    Best answer: Of course he will know. You took the money right out of his bank. A debit card is not a credit card. It empties the account at the bank. You better tell him or he will try to buy food or gas with his debit and not be able to if all the money is gone.
    14 answers · 3 days ago
  • Credit score ?

    How much of a loan can I get at Chase with a 700 credit score
    How much of a loan can I get at Chase with a 700 credit score
    5 answers · 4 hours ago
  • I used my parents credit card on accident! Help!!?

    Best answer: If this is a subscription you have no intention to purchasing or utilizing, CONTACT YOUR PARENTS IMMEDIATELY. Be honest with your parents & provide as much information about the charge in question (like the company, the amount in question & when it was incurred) so your parents can contact the credit card... show more
    Best answer: If this is a subscription you have no intention to purchasing or utilizing, CONTACT YOUR PARENTS IMMEDIATELY.

    Be honest with your parents & provide as much information about the charge in question (like the company, the amount in question & when it was incurred) so your parents can contact the credit card company to request a chargeback. The faster they react, the better the chance of success. PLEASE BE AWARE THAT CHARGEBACKS WILL RESULT IN THE COMPANY THAT THE PAYMENT WAS INTENDED FOR TO BAN YOUR ACCOUNT & BLOCK THE CARD FOR FUTURE SUBSCRIPTION (as companies consider it as "Payment Fraud").


    If it's a subscription you're intending to keep, update the payment information IMMEDIATELY (so it will go to your own card next month) or discontinue any renewal options. Then notify your parents & reimburse them for the subscription charge. You don't have to go into as many details about the charge (only the amount of the charge) with your parents & you're making an effort to fix the error, so they can't be too annoyed about it.


    I had a similar mishap when I made two purchases (both one-time deals) on my parent's card (since their card is on file because of a family subscription we share) as I didn't pay attention to who's card was being used until AFTER I had the e-mail receipts. I just reimbursed them for those purchases (I actually gave them a little extra as I didn't want to deal with small change & the ATM only does withdrawals in $20's) & noted the charges so they're aware of them (& not challenge them on their bill). They may not have been thrilled about what happened, but they didn't seem to mind as I covered the charges.


    Hope this sheds some light on the subject.
    17 answers · 6 days ago
  • Will taking out a small loan help improve my credit soon?

    I recently paid off one of my loans and my credit dropped 15 points! If I take out another small loan of a similar size will my credit rebound fairly soon? I was steadily ticking up, and was almost in a bracket where I was going to apply for a big business loan.
    I recently paid off one of my loans and my credit dropped 15 points! If I take out another small loan of a similar size will my credit rebound fairly soon? I was steadily ticking up, and was almost in a bracket where I was going to apply for a big business loan.
    9 answers · 4 days ago
  • Which credit score do lenders go by?

    Experian Transunion Equifax I’m trying to buy a home. My highest is 735 with Transunion and experian is 660. Should I get other opinion ? From just one lender?
    Experian Transunion Equifax I’m trying to buy a home. My highest is 735 with Transunion and experian is 660. Should I get other opinion ? From just one lender?
    7 answers · 2 days ago
  • I got a letter in the mail from American express for a ten year old bill. do I pay it?

    Best answer: Not without first calling American Express directly and asking them about it. Do NOT use the contact information, including the phone number, on the letter. Look up customer service online and go through that. It's likely a scam.
    Best answer: Not without first calling American Express directly and asking them about it. Do NOT use the contact information, including the phone number, on the letter. Look up customer service online and go through that. It's likely a scam.
    14 answers · 5 days ago
  • Can making restitution payments help build my credit score?

    Best answer: No, it can't.

    Since it is not borrowed money, it does not prove that you can pay back money you have borrowed.
    Best answer: No, it can't.

    Since it is not borrowed money, it does not prove that you can pay back money you have borrowed.
    4 answers · 23 hours ago
  • How to apply for Walmart credit card?

    7 answers · 4 days ago
  • Car loan for Bank of the West?

    How much days does bank of the west give you after your due date to give the payment?
    How much days does bank of the west give you after your due date to give the payment?
    6 answers · 4 days ago
  • Can i report a debt collection that is saying that i own debt but i have NEVER had debt. i am only 25.?

    Best answer: CAUTION: THIS IS NOT PROPER LEGAL ADVICE, AS I AM NOT A LAWYER (nor do I pretend to be one... unless the game's protagonist is a lawyer). IT'S RECOMMENDED TO CONSULT A LEGAL EXPERT BEFORE PROCEEDING. The debt collection agency is REQUIRED to provide proof of the debt in question, including who the debt... show more
    Best answer: CAUTION: THIS IS NOT PROPER LEGAL ADVICE, AS I AM NOT A LAWYER (nor do I pretend to be one... unless the game's protagonist is a lawyer). IT'S RECOMMENDED TO CONSULT A LEGAL EXPERT BEFORE PROCEEDING.

    The debt collection agency is REQUIRED to provide proof of the debt in question, including who the debt was originally with & any related information (like account numbers) as well as if the debt is time-barred, IN WRITING. The agency is must be able to provide a paper trail to the originator of the debt if they wish to collect upon it, otherwise it becomes their word against yours & the burden of proof falls upon the collection agency (as you never did business with said agency).

    If the agency cannot provide such proof & the issue goes to court, you can have the debt in question dismissed.


    There's also the question of the AGE OF THE DEBT to be considered, as most states have a statute of limitations on debts where it can be declared uncollectable if there's no payments made on said debt NOR ACKNOWLEDGE the validity of the debt for a certain number of years (which varies between 3 - 10 years). Therefore, it is CRITICAL that you challenge any debts you're notified as any acknowledgement or payment (no matter how small) on said debt will reset that statute of limitation.

    IMPORTANT NOTE: Please be aware that the Statute of Limitations on any debt only prevents creditors & debt collectors from pursuing any legal actions against you (including threats) NOR to report the debt to the credit reporting corporations (as it would be a violation of the Fair Debt Collection Practices Act.

    The debt in question (even if valid & outside the Statute of Limitations) still exists & the holders of the debt (the creditors or the debt collectors) can still request payment on them. The Statute of Limitations just prevents them from pursuing legal actions & threats against you.


    While I hope this sheds some light on the subject, it's best to consult a legal expert in this matter for more relevant information.
    11 answers · 7 days ago
  • What do mayonnaise taste like?

    Best answer: Its taste is a fine example of qualia, a characteristic that cannot be adequately described to someone who has not experienced it. Taste and smell are nearly always qualia, unless you can liken it to something one knows, i.e., tangerines taste a lot like oranges. Mayonnaise has a smooth mouth feel and a very... show more
    Best answer: Its taste is a fine example of qualia, a characteristic that cannot be adequately described to someone who has not experienced it. Taste and smell are nearly always qualia, unless you can liken it to something one knows, i.e., tangerines taste a lot like oranges.

    Mayonnaise has a smooth mouth feel and a very slight bite from the vinegar it contains. It adds moisture to sandwiches and salads containing fish or various carbs like pasta or rice.
    8 answers · 6 days ago
  • CARERS ALLOWANCE FIRST BACKDATED PAYMENT PAID TO SOMEONE ELSE.?

    Ok I applied for careers allowance in which I was accepted for they called me etc. Said I’d get my backdated award (waited 8weeks to process) anyway so he said you’ll receive a letter with your award and one payment of X amount would be paid and dates. Today I received the letter dated the 13-6-18 & said a... show more
    Ok I applied for careers allowance in which I was accepted for they called me etc. Said I’d get my backdated award (waited 8weeks to process) anyway so he said you’ll receive a letter with your award and one payment of X amount would be paid and dates. Today I received the letter dated the 13-6-18 & said a one off payment was being paid on or around 18th on June and another for my first weeks payment. As it’s the 21st now I thought well I’ll call as no money has been paid to me. Low and behold the payments have been sent and received my someone else’s bank and also my next weeks payment is already being processe. So he said it’s an error on our side and I’ll stop the payments and get them set your bank from the second of July and recall the payment that’s in process of going in for Monday. He said I’ll speal to my college and get back to you about the other two payments as they’ve been received now. So I said how will I find out what’s happening with the two payments as it’s a lot of money he said well I’ll speak with my college who processed this . That was that. Tea time today. So their due to close now. And he didn’t have My question is has anybody else been in this position and how long did they wait? I feel sick with worry that he didn’t seem concerned about the two payments that someone else has received, and was well on his way to ending the conversation there, before I said ‘so wait what about the payments that have already went else were’ Any advice
    5 answers · 3 days ago
  • Is it bad that I use my Credit Card for everything but pay it back immediately online when its posted?

    Best answer: You're handling your credit card about the smartest way you could. You're paying off all your expenditures right away, showing the credit company that you are safe to be loaning money to and building great credit because of it, and also you're never paying a cent of interest. You don't have to pay... show more
    Best answer: You're handling your credit card about the smartest way you could. You're paying off all your expenditures right away, showing the credit company that you are safe to be loaning money to and building great credit because of it, and also you're never paying a cent of interest. You don't have to pay your purchases back immediately when you get home, but paying off the balance twice a month should be quite adequate. Pay it off about 5 days before payment is due, and then again about 2 weeks later in the middle of the cycle, and maintain that kind of payment schedule. Keep up the good work!
    10 answers · 1 week ago