How to Protect Your Credit During Divorce Fox Business
Confucius say: Beware scorned spouse with shared credit.
Maybe the Chinese thinker and philosopher didn't quote those lines, but he should have. Your credit sits on dangerous ground when you and your spouse split up.
"People do unpredictable things during emotional times," says Jennifer Wallis, vice president of Consumer Credit Counseling Service of Central Oklahoma.
One of her clients found out that her soon-to-be-ex-husband had ruined her credit while they were finalizing their divorce. Her husband had agreed to pay the Citi, Bank of America and Chase credit card accounts, but never did.
What's worse, the sabotage came when the wife needed to establish her own financial identity. Bad credit hurt her chances of getting good terms on credit cards, mortgages and auto loans, while landlords, utilities and insurance companies used it to establish security deposits and premiums.
"It's a bad position to be in if someone has control over your credit," Wallis says. Bankrate outlines five ways to protect credit during a divorce.
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How do i refinance a car with bad credit?
i want to refinance my car so i can put it under my own name.It's under my husband's name.
I am making all the payment so it might as well be under my name.
I bought the car 5 month ago .Is it too soon to refinance ?
and can anyone suggest any car refinancing companies?
Thanks.
It's not refinance..... it's just financing. You have to apply for a normal loan then buy out your husband's note. You'll probably end up paying more due to your bad credit. Why don't you just leave it be and concentrate on fixing your credit first?
My guess is that it will take qualifying for the loan on your income only, and there will be fees you will have to pay.
WARNING: DON'T GO TO BUY A CAR WITHOUT HAVING THE LOAN FIRST. The auto dealers will eat you alive and give you a crappy rate. Shop around with lenders who specialize in bad credit car loans. It's a better option, you don't have to take what they're offering if you don't want it, and it's better than dealing with the car dealer's people.
There are usually some nationally based car loan companies who specialize in bad credit car loans who advertise on the page linked below...
http://www.axalda.info/bad-credit-car-loans.html
How do I refinance my car, if I have bad credit?
How can I refinance my car. I have bad credit and I am behind on my payments. I thought I would be able to make up the payments with my tax refund, but I owe $639.00 back in taxes. Is there some place that can help me. I got behind on my bills because I was out of work for 5 months and it is really hard to catch everything up. I now have a good job, but my payments are still behind, because I can't catch up. My job is an hour away from my house, so I need my car to get to and from work. My loan people are really rude and are not willing to work with me. I really need to lower my payment and keep my car. Any advise will be helpful.
Bad credit is one of the worst problems to have... however there exists a solution.
I will hereby talk from my personal experience.
I did debt consolidation a couple of years ago, however If I had to do it again I would pay to some minor details,
if someone wants to get out of debt today it is pretty easy with a debt consolidation plan, however it may get a bit tricky at times, I suggest you get as much information as possible online on this first,
a good place to start in my humble opinion is astraight to the point ebook with question and answer I found :
http://umgarticles.atspace.com/debt-consolidation.htm
if it helps kindly remember me in your voting!.. cheers!
it's not always easy to find the right companies. I've done some research and found one which is very reputable and trusted in this field, even with bad credit. You might check it out at:
http://www.usefulresources.info/eloan-auto-refinance-cj.html
Hope that helps. Wish you all the best!
Mike
How to refinance my car with bad credit?
I had a vehicle that was finance thru my bank because i was one moth late on the payment they pick up the vehicle. got in contact with my bank was told the only way to get the car back is to refinance my car. does anyone have any suggestion how to do this. been going on the interent so far nothing at all.
Most wait 3 months in arrears, and with many phone calls, or trying to get in contact with you. If it's a lease contract, and lease is broken, then is nu-valid, therefore they take Vehicle, and you owe nothing (providing they can sell off car, and recover a reasonable profit from sale.)
Canada's law
My best bet would say: Let them have it, and start over again.
Re read that contract over, and look for any wrong doing on the Banks default; Hold them accountable, because something doesn't sound right, or we aren't getting the whole picture here. Banks just don't call in a loan , just because one month behide payment!!!
i was just talking about that yesterday.
Can you talk to someone at the bank ?
Hope this Helps;
Zachary Downs co-CEO/ CFO of CDS (Custom Design Shirts)
www.webstarts.com/customINKorders
You can buy a car that will provide basic transportation and a heater that works for about $500. The fact that most people finance cars notwithstanding, it's a poor financial decision to borrow money to buy ANYTHING that depreciates in value.
most lenders won't give you a car loan if you have bad credit. it's a bad investment for them since cars depreciate faster then they get paid back.
http://www.johnacoppola.com/Refinance_Your_Car_Loan_3_Tips_For_Refinancing_Your_Auto_Loan_Online.html
You'll find great articles and tips
Considering that you've invested a good amount of money, down payment, payments up to this point, etc, to lose the car means suffering a substantial loss. Add to that, the company will add repossession fees, disposal fees, and then whatever amount they don't recover on what you owe when they auction the car. So, even after it's all gone and done with, you'll still owe more money. And they WILL come after you for it. In other words, they make their money, either way.
Technically speaking, 30 days past the due date is sufficient for default. Typically, though, most companies don't want to go through the hassle of fighting and waiting for their money after a repo, so they usually would rather agree to something that shows your ability AND intent to make up the payments and continue the loan without problems.
The first person you talk to is usually a hardass that won't negotiate. His job is to be a jerk and blow you off. You may need to go over his head and see if you can negotiate a better arrangement. If not, then they're one of those companies that HOPES that people will default. Usually they make more money in the long run on those deals. All perfectly legal, though.
Your only option, if you can't negotiate with the finance comopany, and if you can't find another loan, is to find a lawyer to represent you in an attempt to negotiate the return of your car. Even that is not hopeful and, of course, adds even more expense that you can't afford.
Forget about that car, go in for another car and this time use a co-signor to sign for your loan (since your credit profile now shows that there was a repossession).
I suggest you get as much information as possible online on this first, a good place to start in my humble opinion is astraight to the point ebook with question and answer I found : http://www.counselingcreditcarddebt.com
Is it bad for your credit to refinance your car?
I got my car 3 years ago and still have about 3 more years to go to pay it off. When i first got it my credit was okay, not great though and since then I think it has gotten a lot better. Is it a good idea to try and refinance through my bank or something?
it would not adversly effect your credit to refinance your car loan. short term, you may lose a point or two, but that will recover within a month or two. don't let that stop you from making a wise financial decision.
call your bank, credit union or even the company your car loan is with now. get some quotes on rates you qualify for - ask for a 3 year term. then do some math. what you want to do is figure out if it will be beneficial to refinance. you can do the calculations on this site: www.bankrate.com. click the calculator button at the top, and then click on the credit card link "the true cost of paying the minimum" (its the easiest one to use). plug in the loan amount, rate, monthly payment they quote you, check "fixed payment" and click calculate. do that for the loan you have now, and compare to the loan you could get.
you may find refinancing that car loan could save you a lot. on a $10,000 loan, reducing an interest rate from 10% to 5% will save over $800 in those 3 years. And cutting a $13,000 loan from 15% to 10% will save over $1,100 in those 3 years. On the other hand, if refinancing only saves you $300 in 3 years, it may not be worth your time.
Do what works out to your advantage.
b
how can i refinance a car with very bad credit?
i bought a car with a high interest rate and I'm paying a high monthly rate also my credit is very bad i went to bank to get it refinance and they did not approve it because of my credit score my parents do not want to Co-sign i understand but they will not help me okay now my question is how do i finance a car with bad credit how peoples how and what can i do i was thinking that i should just trade it in but i don't want to go through paperwork
Сredit repair workеd fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service - creditreport.imess.net
Where can I refinance my car if I have bad credit?
i have really bad credit and my car note is high i am looking for another lender any options even if the intrest rate dosent decrease that much its ok
It is not likely you will be able to refinance your car, especially if you have bad credit. It is very difficult to get credit right now, and typically you can only finance about 80% of value on a used car...so unless you have a bunch of equity on your car you will have a very difficult time refinancing.
Hope things work out for you. Good luck!
Now leroy more than trouble
You see he stand bout six foot four
All the downtown ladies call him treetop lover
All the mens just call him sir
Now I heard he might give you a loan
And its bad, bad leroy brown
The baddest man in the whole damn town
Badder than old king kong
And meaner than a junkyard dog
Now leroy he a gambler
And he like his fancy clothes
And he like to wave his diamond rings
In front of everybodys nose
He got a custom continental
He got an eldorado too
He got a 32 gun in his pocket for fun
He got a razor in his shoe
What company can refinance a car with bad credit? My credit score is 577?
I'd first like to repond to those people who have gave me their input maybe I should add that I CAN afford my car I'm not behind on my payments, or even late etc as anybody who is trying to put money in their pocket -I was wondering if I can get a better interest rate and a lower payment- as far as showing off- I have a Nissan Altima and if that's showing off I'd like to see what you're driving.
Anyway to avoid these type of comments let me add that my score is low but I have been paying my debt monthly and am current with all my creditors
Autop finance is what I do for a living.
Try Capital-One, H.S.B.C., Wells Fargo and Citifinancial Auto Finance.
They are my best lenders.
http://badcredits.awardspace.com/refinance-car-loan-bad-credit.htm
If you think your lender is charging a higher interest rate on your car loans then you can look at the refinance car loans option. With the help of a refinance car loan, you can avail multiple benefits. Firstly, you may reduce-->your monthly costs. Secondly, you may avail a competitive interest rate. Thirdly, you could be getting a flexible repayment period. Overall, you will be managing your loan a lot better.
WARNING: DON'T GO TO BUY A CAR WITHOUT HAVING THE LOAN FIRST. The auto dealers will eat you alive and give you a crappy rate. Shop around with lenders who specialize in bad credit car loans. It's a better option, you don't have to take what they're offering if you don't want it, and it's better than dealing with the car dealer's people.
There are usually some nationally based car loan companies who specialize in bad credit car loans who advertise on the page linked below...
http://www.axalda.info/bad-credit-car-loans.html
http://lnk.in/56f2
have bad credit and need to refinance current car and bike loans?
courts order put me in a bind and need to refinance vehicles in order to be able to keep for transportation to work. A few late payments have occured due to the court order need help.
You should ask your parents, family and friends for financial aid.
Need to refinance a car with bad credit"?
filed bankruptcy 2.5 years ago want to lower car payment about 100 dollars per month on a 2002 car with a balance of about 8000. have paid on car for two years never been late or short on a payment.
Try Lending Tree.com or Capital One Auto loans for a refinance.
How to refinance a car with horrible credit and no equity?
I have a brand new Ford Focus just bought it fresh off the floor and have a cosigner, but we need to refinance it now and have horrible bad credit. Can anyone help with how to refinance a car with bad credit and no equity?
You just bought it and want to refinance it? Why did you buy it at all, then? The value dropped 20% as soon as you titled it. Unless you made a big down payment, it's not gonna happen.
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