Consumer Credit Directory - credit application http://consumer-credit-directory.com applying for consumer credit Mon, 06 Feb 2012 08:39:24 +0000 en hourly 1 http://wordpress.org/?v=3.3.1 Why does the government regulate consumer credit. But not commercial credit? http://consumer-credit-directory.com/consumer-credit/why-does-the-government-regulate-consumer-credit-but-not-commercial-credit/ http://consumer-credit-directory.com/consumer-credit/why-does-the-government-regulate-consumer-credit-but-not-commercial-credit/#comments Mon, 06 Feb 2012 08:39:24 +0000 admin http://consumer-credit-directory.com/consumer-credit/why-does-the-government-regulate-consumer-credit-but-not-commercial-credit/
Question by : Why does the government regulate consumer credit. But not commercial credit?
I am writing a research paper, someone please help me. Provide your sources too please! It is very hard because I cannot find direct answers anwhere.

Best answer:

Answer by efflandt
If you are going to successfully run a business, you should know what you are doing, or hire someone who does. There is more to gain or lose (from borrower or lender), so somewhat more clout is involved depending upon the size of the company.Consumers should really pay attention to what they are doing too. The information is out there on the internet. But many don’t want to learn and are therefore clueless. And an individual does not have much clout with a lender, so the government steps in with certain regulations.



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]]> http://consumer-credit-directory.com/consumer-credit/why-does-the-government-regulate-consumer-credit-but-not-commercial-credit/feed/ 0 Q&A: Have you used Consumer Credit Counseling Service or Christian Crossroads Debt Management program? http://consumer-credit-directory.com/consumer-credit/qa-have-you-used-consumer-credit-counseling-service-or-christian-crossroads-debt-management-program/ http://consumer-credit-directory.com/consumer-credit/qa-have-you-used-consumer-credit-counseling-service-or-christian-crossroads-debt-management-program/#comments Sat, 04 Feb 2012 19:41:10 +0000 admin http://consumer-credit-directory.com/consumer-credit/qa-have-you-used-consumer-credit-counseling-service-or-christian-crossroads-debt-management-program/
Question by graygurl26: Have you used Consumer Credit Counseling Service or Christian Crossroads Debt Management program?
If so delight give me some feedback on your experience.

Best answer:

Answer by Mightymo
No I haven’t. I made myself a budget on the computer and stuck to it. Before I spend my money I paid myself $ 50 and put it in a savings been, then I paid one credit card the minimum and one Credit card $ 50 more then minimum and the next pay I did it the opposite, this way I got down from the carded faster. It took me 2 years but I did it, even though I considered declaring personal bancrupcy but decided that I couldn’t do it for embarrassment. I just stop spending and before I bought habilitated I honestly cosidered whether I really needed them and then I checked out second hand stores and now that I have money, I still buy my jeans at the second hand store. Great jeans for $ 5, already soft and worn in and most are name brands, the same for jackets and coats. I found things that were brandnew, a spring jacket or $ 3.50 never worn. You need to be imaginative and patient when you look for stuff and want to save money.Good luck, maybe someone else tin give you advise on the Credit Counselling Service.



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]]> http://consumer-credit-directory.com/consumer-credit/qa-have-you-used-consumer-credit-counseling-service-or-christian-crossroads-debt-management-program/feed/ 0 Chase response online application credit card? http://consumer-credit-directory.com/credit-application/chase-response-online-application-credit-card/ http://consumer-credit-directory.com/credit-application/chase-response-online-application-credit-card/#comments Fri, 03 Feb 2012 06:39:39 +0000 admin http://consumer-credit-directory.com/credit-application/chase-response-online-application-credit-card/ ]]> credit application
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Question MBE ? Chase response online application credit card Received pre-approved offers in the mail for Chase Platinum Visa credit tease, apply online using the code offers and received the reply email after presented: “We will inform you of your approval status in 30 days by mail of the United States … etc. “Does anyone have any experience with this kind of response and what that might average? good sign, they are now considering the application or is it a bad sign for approval? Is this the Online credit card applications commonly immediately approved or not? I only have two cards, not high limits and good score crédit.Meilleure response: Answer by

SpecialK
I had a similar experience with Washington Mutual. They said that the credit card application could be approved in as little as 30 seconds. However, when I asked, they told me that the decision will be mailed. I thought it meant that I was denied, but about 2 weeks later, I received my card in the mail. Also remember that if you refused the right to receive a free copy of your attribute report. They educate you on how to get in the letter they send you.

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]]> http://consumer-credit-directory.com/credit-application/chase-response-online-application-credit-card/feed/ 0 Is there an application dedicated to credit card budgeting for the Droid? http://consumer-credit-directory.com/credit-application/is-there-an-application-dedicated-to-credit-card-budgeting-for-the-droid/ http://consumer-credit-directory.com/credit-application/is-there-an-application-dedicated-to-credit-card-budgeting-for-the-droid/#comments Wed, 01 Feb 2012 17:40:52 +0000 admin http://consumer-credit-directory.com/credit-application/is-there-an-application-dedicated-to-credit-card-budgeting-for-the-droid/ credit application
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Question by bayebd24【ツ】: Is there an application dedicated to credit card budgeting for the Droid?
I am looking for an application for the droid that will help me keep track of my credit card bills. I want the application to allow me to place the credit card name (payee) amount owed, amount due for the month, due date and have a reminder. There’s gotta be something out there right? Thanks in advance.

Best answer:

Answer by Nathan
i use an app called personal assistant- lets me keep track of my bank account- there is also a premium version for $ 7- havent tried using it w/ a CC so i honestly couldnt tell you, but either way, there might be another app out there.. this is just the one that i use..



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]]> http://consumer-credit-directory.com/credit-application/is-there-an-application-dedicated-to-credit-card-budgeting-for-the-droid/feed/ 0 how do I go about becoming a credit card application processer? http://consumer-credit-directory.com/credit-application/how-do-i-go-about-becoming-a-credit-card-application-processer/ http://consumer-credit-directory.com/credit-application/how-do-i-go-about-becoming-a-credit-card-application-processer/#comments Tue, 31 Jan 2012 04:40:34 +0000 admin http://consumer-credit-directory.com/credit-application/how-do-i-go-about-becoming-a-credit-card-application-processer/ credit application
by Museum of Hartlepool


Question by kddr1977: how do I go about becoming a credit card application processer?
want to do this as a home business for a credit card company. Had a friend who use to process credit card applications for American Express

Best answer:

Answer by isthisthingon79
you typically have to have exp. and find a company who offers work at home processors no one does that much anymore



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]]> http://consumer-credit-directory.com/credit-application/how-do-i-go-about-becoming-a-credit-card-application-processer/feed/ 0 Is it legal for employers to run a consumer credit report on me when applying for a job? http://consumer-credit-directory.com/consumer-credit/is-it-legal-for-employers-to-run-a-consumer-credit-report-on-me-when-applying-for-a-job/ http://consumer-credit-directory.com/consumer-credit/is-it-legal-for-employers-to-run-a-consumer-credit-report-on-me-when-applying-for-a-job/#comments Sun, 29 Jan 2012 15:39:59 +0000 admin http://consumer-credit-directory.com/consumer-credit/is-it-legal-for-employers-to-run-a-consumer-credit-report-on-me-when-applying-for-a-job/ consumer credit
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Question by ericgeyer: Is it legal for employers to run a consumer credit report on me when applying for a job?
Am I obligated to oblige?

Best answer:

Answer by SmartA$ $
You are not obligated to oblige, but they are not obligated to hire you if you do not oblige. Yes its legal.



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]]> http://consumer-credit-directory.com/consumer-credit/is-it-legal-for-employers-to-run-a-consumer-credit-report-on-me-when-applying-for-a-job/feed/ 0 Which is the best consumer credit counseling agency? http://consumer-credit-directory.com/consumer-credit/which-is-the-best-consumer-credit-counseling-agency/ http://consumer-credit-directory.com/consumer-credit/which-is-the-best-consumer-credit-counseling-agency/#comments Sat, 28 Jan 2012 02:39:59 +0000 admin http://consumer-credit-directory.com/consumer-credit/which-is-the-best-consumer-credit-counseling-agency/ consumer credit
by Cornell University Library


Question by Kimberly G: Which is the best consumer credit counseling agency?
I know there are lots out there. I know to look for one that’s “nonprofit.” But I’m sure some are better than others! I just desire to choose the best one. I live in Oregon if that makes a difference.

Best answer:

Answer by Slimick
Consumer Credit Counseling Services (CCCS)You can call your local Red Cross for a referral.



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]]> http://consumer-credit-directory.com/consumer-credit/which-is-the-best-consumer-credit-counseling-agency/feed/ 0 Q&A: should I worry about identity theft if I have received a credit card application for a person with a different http://consumer-credit-directory.com/credit-application/qa-should-i-worry-about-identity-theft-if-i-have-received-a-credit-card-application-for-a-person-with-a-different/ http://consumer-credit-directory.com/credit-application/qa-should-i-worry-about-identity-theft-if-i-have-received-a-credit-card-application-for-a-person-with-a-different/#comments Wed, 25 Jan 2012 00:41:12 +0000 admin http://consumer-credit-directory.com/credit-application/qa-should-i-worry-about-identity-theft-if-i-have-received-a-credit-card-application-for-a-person-with-a-different/ credit application
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Question by VR: should I worry about identity theft if I have received a credit card application for a person with a different
I received a credit card application to my home address for a person that had a different first name but the same last name as mine? Should I worry about identify theft? I have children that all have social security numbers. Should I worry that their number has been stolen and someone is using a phony name with their social security number? How can I check if this could have happened?

Best answer:

Answer by steve_miller_5
The fact that this solicitation bears a name different than yours indicates it is NOT an identity theft situation. Relax.



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]]> http://consumer-credit-directory.com/credit-application/qa-should-i-worry-about-identity-theft-if-i-have-received-a-credit-card-application-for-a-person-with-a-different/feed/ 0 Q&A: How disapproval of credit card application affects credit history? http://consumer-credit-directory.com/credit-application/qa-how-disapproval-of-credit-card-application-affects-credit-history/ http://consumer-credit-directory.com/credit-application/qa-how-disapproval-of-credit-card-application-affects-credit-history/#comments Mon, 23 Jan 2012 11:40:14 +0000 admin http://consumer-credit-directory.com/credit-application/qa-how-disapproval-of-credit-card-application-affects-credit-history/ credit application
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Question by prabuddha: How disapproval of credit card application affects credit history?
I have applied for a credit teased and got disapproved as they says I have limited credit history. Does it adversely affect my credit history and score? Should I go ahead and apply for another one now?

Best answer:

Answer by Money Answer Man
You don’t ask a credit card, stop applying. Do not get into debt. Pay for everything in cash. A good govern of thumb to live by is if you tin’t afford to pay cash for an item, you can not afford to use credit to pay fro an item. My family makes less than $ 40,000 a year, we have an accommodated and two cars, paid cash for all. If I can do it, anyone can, regardless of income. Save money and pay cash! For more information visit www.daveramsey.com.



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]]> http://consumer-credit-directory.com/credit-application/qa-how-disapproval-of-credit-card-application-affects-credit-history/feed/ 0 Does annual household income on a credit application mean just me or my parents as well since i live at home? http://consumer-credit-directory.com/credit-application/does-annual-household-income-on-a-credit-application-mean-just-me-or-my-parents-as-well-since-i-live-at-home/ http://consumer-credit-directory.com/credit-application/does-annual-household-income-on-a-credit-application-mean-just-me-or-my-parents-as-well-since-i-live-at-home/#comments Sat, 21 Jan 2012 22:42:21 +0000 admin http://consumer-credit-directory.com/credit-application/does-annual-household-income-on-a-credit-application-mean-just-me-or-my-parents-as-well-since-i-live-at-home/ credit application
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Question by TheHost-Ian&Wanderer: Does annual household income on a credit application mean just me or my parents as well since i live at home?
I just entered the total for my parents and mine combined, but i’m not sure that’s what they wanted. Is that bad? and will they hold it against me even if i didn’t know?

Best answer:

Answer by sassy25
No just your income since this credit card is for your use only. Putting down your parents is fraud. Unless your parents will be on the account with you



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