2010 August | Consumer Credit Directory

August 30, 2010

What Does This Mean On A Credit Card Application?

Filed under: Credit — Tags: Credit Application, Credit Card Application, Interest Charges, Interest Rates — admin @ 8:01 am

Claire de Lune asked:

I’m thinking of getting a new credit card. Even though I’ve made every payment on time and in full my current card is starting to add all kinds of fees. On the application, under “Interest Rates and Interest Charges”, it says “If you are charged periodic interest, the charge will be no less than $1.50″. What is “periodic interest”? The application does not explain what this is.

Joshua

Comments (1)

August 28, 2010

NEW CREDIT FILE: info from the Credit Secrets Bible

Filed under: Howto — Tags: Credit Application, Credit Repair Companies, False Information, Federal Goverment, Federal Trade Commissions, Felons, Irs Form, New Id, Privacy Experts, Shaky Ground, Ssn, Taxpayer Identification Number, Tila, Truth In Lending, Truth In Lending Act — admin @ 5:02 pm

CreditSecretsBible asked:

www.CreditRepairPublishing.com NEW CREDIT REPORT The Truth About Creating a New Credit File. Brouight to you by www.creditsecretsbible.com New Credit File in 24hrs? Solve all your bad credit problems? 100% Legal and backed by the federal Goverment? Too good to be true? You’re right. It is too good to be true. But these types of ads are appearing again even though it’s been 8 years since the FTC launched “Operation New ID – Bad Idea!” over 8 years ago… Operation targeted and took down over 50 credit repair companies. The con was simple.. The companies targeted consumers with bad credit and offered to create a new credit file for them by using an Employer Identification Number (EIN) or Taxpayer Identification Number (TIN) for their Social Security Number (SSN) along with a new address, new previous address and phone number etc. EIN’s and TIN’s were obtained from the IRS with form SS-4. The consumer would then apply for credit with this false information and trick the credit bureaus into creating a new credit report or new credit file. This was actually illegal since lying on a credit application is credit fraud. Some privacy experts will argue this tactic as being legal claiming credit bureaus are on shaky ground asking for your SSN. However, the Federal Trade Commissions (FTC) actions were NOT up for debate! Companies were claiming this was legal when it was a direct violation of the truth in lending act (TILA). Companies were turning consumers into felons claiming this …

Frances

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August 26, 2010

What can i do to get a credit card application approved with bad credit?

Filed under: Credit — Tags: Aproved, Bad Credit, Credit Application, Credit Card Application — admin @ 1:23 pm

jeka1814@yahoo.com asked:

Well, i had a credit card about a year ago which i never paid for but am doing so now, i want to get a credit card application aproved, what can i do?

Roland

Comments (6)

August 22, 2010

Credit Applications? Automate yours with LincDoc

Filed under: Tech — Tags: Credit Applications, Decisions, Sharepoint — admin @ 6:49 pm

dankoleary asked:

www.lincware.com LincDoc automates the process of completing an application for credit, and integrates directly with your ECM system, such as OnBase, SharePoint, or Laserfiche. Make better decisions, and improve cashflow. pricing starts at only $99 a month.

Carla

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August 21, 2010

OUR BEAUTIFUL FLAG THAT TOWBIN HIDES BEHIND.

Filed under: Autos — Tags: Beautiful Flag, Country Flag, Dan Towbin, Enemies, Felons, Guns, Josh Towbin, Law Enforcement Officers, Love And Respect, Mayor Oscar Goodman, Metro Police, Old Glory, Police Officers, Public Law Enforcement, Reedom — admin @ 4:15 am

ERREEDOM asked:

I LOVE MY COUNTRY, MY FLAG (OLD GLORY), MY PUBLIC LAW ENFORCEMENT OFFICERS (METRO POLICE), MY MAYOR (OSCAR GOODMAN). MY DA (DAVID ROGER) AND MY ENEMIES (DAN TOWBIN, JOSH TOWBIN, CAROLIN TOWBIN AND THEIR CRIMINAL EMPLOYEE’S). REEDOM CONFIRMS HIS LOVE AND RESPECT FOR DA DAVID ROGER, MAYOR OSCAR GOODMAN AND HIS POLICE OFFICERS. IT IS CRIMINAL TO PROTECT KNOW FELONS WHO BRING AND USE THEIR OWN GUNS & RECORDING DEVICES TO FRAME OJ SIMPSON AND THEN SELL THEIR RECORDED CRIMINAL ACTS FOR MONEY. OJ SIMPSON WILL PAY IN HELL IF HE KILLED HIS WIFE AND HER FRIEND. BUT IF POLICE USE THESE SHAMEFUL TRICKS, THEY ARE WORST THAN OJ SIMPSON. WATCH OUT, YOU COULD BE NEXT. SO WHY DOES LAS VEGAS DISTRICT ATTORNEY DAVID ROGER AND METRO POLICE ALLOW DAN AND JOSH TOBIN TO GET AWAY WITH WORST CRIMES? IT MUST BE CORRUPTION. CAUSE TOWBIN HAS ROBBED & DEFRAUDED ME OF OVER $26000, 2 ASSAULTS, **** CRIMES, RACIAL SLURS, VIOLENT KKK LIKE INTIMIDATION, RETALIATION, OVER 20 FALSE POLICE CALLS & REPORTS. IF VEGAS DOES NOT HAVE PRESS RELEAST DENOUNCING TOWBIN **** CRIMES AND GIVING EVIDENCE TO A GRAND JURY. “I’M GOING TO ASK A COURT JURY FOR $1..BILLION DOLLARS. BECAUSE THEY’VE ALLOWED TOWBIN TO ROB & DEFRAUD ME OF OVER $26000.00 BY CHANGING MY INCOME FROM $1500 TO $4000 ON CREDIT APPLICATION, TO ASSAULT ME TWO TIMES, TO FILE OVER 20 FALSE POLICE CALLS & REPORTS, TO INTIMIDATE ME WITH VIOLENCE & THREATS, MAKE RACIAL SLURS & **** CRIMES” IF THEY KILL ME PLEASE MAKE SURE THAT MY YOUTUBE VIDEO EVIDENCE GETS TO …

Susan

Comments (14)

August 20, 2010

What do I do with a credit application?

Filed under: Credit — Tags: Banks, Credit Application, Credit Limit, Retail Store — admin @ 2:11 am

Sarah B asked:

Someone faxed over a credit application that is signed. They want us to set a credit limit for them. I don’t know what I’m supposed to do with it. Am I supposed to call the banks that they have listed? What am I supposed to ask the banks?
It was signed by the person who filled out the application. We are a retail store and they want us to set a credit limit for them so they can buy from us
WHAT DO I ASK THE BANKS?

Ricky

Comments (2)

August 19, 2010

If i attach a letter with my credit application?

Filed under: Credit — Tags: Application Letter, Car Lease, Credit Application, Credit History, Faxing, Mercedes Benz — admin @ 10:36 am

Rob asked:

If I attach a letter explaining my credit history and reasons why I’m a good candidate to assume a car lease will this help or hurt my chances of approval. I’m faxing over the credit application to Mercedes Benz financial and plan on attaching a 1 page letter I wrote to them. Is this a good idea what do you guys think?

Henry

Comments (4)

August 17, 2010

How To Fill Out Credit Application Online

Filed under: Autos — Tags: Credit Application, Oak Lawn Toyota, Toyota — admin @ 8:01 am

oaklawntoyota asked:

If you’re looking for a loan on a new or used vehicle, look no further than Oak Lawn Toyota. All you need to do is fill out a secure credit application online, and one of our Internet coordinators will follow up with you.

Lawrence

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August 14, 2010

How will I know if my Credit Card application has got approved?

Filed under: Credit — Tags: Chase Card, Chase Credit Card, Credit Application, Credit Card Application, E Mail, Mail Id — admin @ 10:23 pm

regal hadee asked:

I applied for chase credit card one month ago and no response I got. There is some error in my e-mail id. So anybody know how will I know if my Credit Card application has got approved?

Stella

Comments (5)

Is lying about income on a Credit Card application illegal?

Filed under: Law & Ethics — Tags: Credit Application, Credit Card Application, Ethics, Fraud, Typo — admin @ 2:53 pm

Dan V asked:

From what I understand they very rarely verify the income you list.

Is there anything illegal about exaggerating annual income on a Credit Card application for the purposes of getting approved/getting a higher starting limit?
Please don’t give me ethics, I just want to know if it constitutes fraud (could be a typo for all they know) or if there’s anything illegal about my SPECIFIC question.
I would like a Yes or No if possible.

Linda

Comments (4)

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