Limited Partnersgip
Hi, I formed a Limited Partnership which I am a 99.5% partner (owner) and would appreciate help in how to set up some of the accounts. When the Partnership was formed/created, it had no funds so I used my personal funds to pay for fees/expenses and plan to "repay" myself these fees and expenses when the Partnership has its' own funds (money) s well as any other funds (money) that I contributed / loaned to the Partnership.
Categories: Mortgage Tags: Accounts, appreciate-help, contributions, funds, limited, limited partnership, loans, Money, partnership, Personal, personal-funds, repay-myself
Question about credit reports & duration of items
I really screwed myself over a few years ago and didn't pay my student loans. They ended up closing the accounts as a charge off and then re-doing the loans, which I have always paid on time since. I called Equifax because I was curious what dates exactly, they use to determine when an item falls off your credit.
Categories: General Credit Tags: Accounts, column-labeled, from-the-date, last-activity, loans, paid-on-time, really-screwed, remain-on-file, representative, student
EQ DOFD is blank?
Hello MyFico, So, after getting the run-around trying to obtain my free credit report through annualcreditreport.com (I am currently overseas and cannot access the site) I gave up and just bought EQ's score power (FICO and CR) for $15. (I already obtained EX and TU reports via backdoors using the dispute option on each site)
Categories: General Credit Tags: access-the-site, account, Accounts, corrected, dofd, estimated-date, getting-the-run, goes-positive, info-or-insight, option-on-each, the-accounts
Improving Average Age of Accounts Possible?
Hello all Is it possible to ask creditors to stop reporting closed accounts that have zero balances and are in good standing to the CRA's so that I can improve my Avg. Age of Accounts
Categories: General Credit Tags: aaoa, Accounts, ask-creditors, avg, closed-accounts, cra, creditors, double-digit, few-years, fico, good-standing, Hello, point-score, Thanks In Advance
Categories: General Credit Tags: Accounts, actual, after-the-alert, missed-payments, never-missed, Payment, payment-history, recent-missed, recently-missed, reports, score, score-decrease, score-dropped, time-payments
EXPERTS: I need your help deciding to accept or decline a pre-approved loan offer!
Ok so yesterday I recieved one of those pre-approved for an additional $3700 to your personal loan letters from HSBC. I am in Canada, and last year i obtained a $5000 personal loan with HSBC, the APR was a ridiculous 29% , due to my limited knowledge of managing credit the loan officer at HSBC told me my credit score was 629 so thats why I got that rate. Anyways I obtained the loan and committed to a $355 monthly payment
Categories: General Credit Tags: Accounts, Auto, auto-purchase, Credit, credit-the-loan, current-balance, finace-the-loan, Loan, mastercard, officer-at-hsbc, Personal, student-loan
weirdness with credit scores and home equity loan app
So i just need to vent: My house needs a new roof and I have been unable to save the 10,000 it will take to replace it. I have been working on improving my credit scores, my two problems are being late and the utility number. I have not been late with a payment for a while and I paid off some debt without closing the accounts so that lowered my utility. I checked myfico on 3/2 and Transunion was 653 and Equifax was 640. I applied online for a Wells Fargo home equity loan and I was denied. When I called Wells Fargo customer service a really good guy with a thick New York accent told me my score was 623 and they need a 640 for a home equity loan. I said but I just checked my numbers are at 640, I told him I checked Transunion and Equifax and my scores. He said Wells Fargo uses Experian! I just bought my experian score, which I understand is not FICO, and it is 664. So it still doesnt make sense b/c the wells fargo customer service person told me he was showing it as 623. I hate when things don't make sense. Nothing changed from yesterday to today so I still do not understand who is showing me at 623 and I still have to figure out how to pay for a new roof.
Categories: General Credit Tags: Accounts, checked-myfico, experian, fargo-customer, Numbers, service-person, utility, wells
Question about joining an account
I'm in the process of rebuilding my credit and basically starting from zero. My fiance has offered to join me onto one of her accounts. Which dates back to 04.
Categories: General Credit Tags: account, Accounts, basically-starting, benifit, Credit, from-the-time, good-mojo, her-account, joined-onto, only-begin, onto-one, process, the-process
disputing lates
If I dispute lates on some of my active accounts, will the credit reporting agency remove the accounts or remove the lates? I have legitimate reasons for 2 out of 4 accounts.
Categories: General Credit Tags: Accounts, active, active-accounts, agency-remove, Credit, credit-reporting, dispute-lates, lates, lates-on-some, remove-the-accounts, remove-the-lates, the-accounts, will-the-credit
New and looking for guidance…
Hi everyone, This is my first post on this forum. I am basically just looking for some guidance and thoughts. I recently Cosigned for a mortgage with a friend of mine
Categories: General Credit Tags: Accounts, accounts-went, average, credit-balances, likely-affect, missed-payments, Mortgage, points-as-soon, reports, score, the-mortgage