What information is provided to a financial institution when they do a Soft Credit check? related questions

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What information is provided to a financial institution when they do a Soft Credit check?0geekgirl052012-08-25 17:06:18
When someone from a financial institution "pre approved " for credit card / car loan / home loans they have made ​​a " soft credit check " of the person . MedlinePlus MedlinePlus What does this soft credit check? Does all trade lines negative and positive ? Provides FICO score ?
Can a financial institution approve a loan, write you a check and then reverse their approval?10Rosalie2012-08-23 21:23:02
We got a personal loan. We signed everything. We wrote a check and charge the same . So we found a letter in the mail saying they were rejected. My guess is that this is a mistake and just ignore it , but has it ever happened that someone is given a check, the check clears the bank and then leaves his approval? Can you ask for money back? What if the money has been spent already?
A couple of questions about my Credit. Provided with some information, can you help me?0pairika2012-10-02 06:17:03
My current credit score is 623. MedlinePlus MedlinePlus My first credit card, Bank CreditOne, has a limit of $ 200, a minimum of $ 20/month, along with numerous unreasonable charges was inaugurated in March 2008. MedlinePlus MedlinePlus My second credit card, CapitalOne, has a limit of $ 750, a minimum of $ 10 a month, and that seems to keep things simple for my taste without any additional fees opened in April 2008. MedlinePlus MedlinePlus I bought my first car in a co-signed in November 2007 with a payment of $ 400/mo. MedlinePlus MedlinePlus Some positives: All accounts are in good condition. Whether you always pay the minimum $ 50.00 as soon as my statements are ready, and have never been late. I always pay my $ 400 car payments on time. Money is never a monthly theme. MedlinePlus MedlinePlus Some negatives: My balance of $ 200 credit card is $ 150. My balance of $ 750 credit card is $ 600. I've been carrying this balance since around April 2008. Approximately 94% of my available credit is used, according to MyCreditInform.com. My credit history is sounded with 9 credit applications not including my car loan. 4 Approved and 5 decreased (from when I started, and was very aware of anything credit wise). MedlinePlus MedlinePlus Well now the situation MedlinePlus. MedlinePlus I am a little more educated on my credit account as of today and I have ready many tutorials and MyCreditInform.com used to the best of my knowledge. The reason I say that I was adopted by four of the two credit cards that I have is that it was recently approved for two more credit cards with limits of at least $ 500 - $ 700 each. So now I have 2 CapitalOne, CreditOne 1, 1 First Premier Bank credit card. I have yet to receive or activate my second or my CapitalOne Card First Premier Bank. MedlinePlus MedlinePlus My original idea when applied to credit cards third and the fourth was to reduce my debt, use $ 200 of my first Premier Bank Credit Card to clear my credit card debt CreditOne and close it leaves me with two credit cards with CapitalOne low interest rates and no annual fees, and a prime minister Bank Gold Card with low interest rates, but maybe $ 140 in fees, $ 7 in monthly installments, and $ 48 annual fee, which is bad, but considering it's better than CreditOne Bank, was willing to do so. But now I'm not so sure. The reason I want to close my Bank CreditOne is because the limit is low (I have not called yet to request increase or decrease in percentage and rates), there is a cost of financing charge of $ 3.50, a rate of $ 7.95 direct online payment, and an annual fee (payable monthly) of $ 5.75. MedlinePlus MedlinePlus Now I know that closing my old account is not a good idea because of deleting the entire history of the card. Not sure about my original plan anymore. Now think of paying all my debts, while using very little (maybe $ 20) a month from now, in the next 5 or 6 months results in some increase credit score, according to MyCreditInform.com. But according to my credit Scotsmanguide.com MyCreditInform.com and most probably probably drop 50-100 points, due to the debt ratio. MedlinePlus MedlinePlus Maybe I can open the CapitalOne credit card second time comes, to reduce my debt while paying my two original letters. I know for sure that you will spend much less on these cards once I get the fruits. My goal in the next 4-6 months will singing to clear my debts and sit tight for another six months while my credit reset. MedlinePlus MedlinePlus All this leads to a couple of questions I have. MedlinePlus 1) Overall I am responsible with my credit? The 35% comes from history will always be stronger than the 30% rate comes credit and debt. I always pay more than the minimum each month. Of course, my main goal now is to clear all the debt and focus on the building. MedlinePlus MedlinePlus 2) opens the third and fourth credit cards is a good idea? In the sense that I will use one for small purchases, an emergency, one of the bills, and so my fourth letter I wanted to close, so I guess I will not be using more. MedlinePlus MedlinePlus 3) Is the closure of my card first CreditOne a good idea? It is filled with excessive monthly charges and will charge me even when I pay. MedlinePlus MedlinePlus 4) If you close the card, how long, as in the estimation, we need to replenish the lost history of paying $ 50 with a minimum of $ 20 at the time, but with a high debt ratio of 5 months ? MedlinePlus MedlinePlus 5) Can you recommend some other positive things that I do? I mean, aside from spending less, the payment of the debt as soon as possible, paying bills on time, with more than the minimum. Maybe there are some things that I need. MedlinePlus MedlinePlus 6) How much do you really help me by paying $ 50 in two of my accounts with minimums of $ 10 and $ 20? MedlinePlus MedlinePlus 7) In the end, no matter how much you pay or how quickly they pay, the debt ratio will kill me eventually, right? I keep trying to tell myself that all the time to keep paying $ 50 when the declaration is because creditors see me as responsible. MedlinePlus MedlinePlus Any advice, help, or criticism is appreciated. Thanks in advance.
What are reasons one can fail a soft credit check?0didymus mupambo2012-10-07 19:35:40
Someone who always pays his bills , etc. Could it be the amount of income ? A friend who is a student and have no income , but excellent credit , I was thinking of opening a credit card in a store last week by one of the 20 % discount things , fills almost the whole matter to the firm and then changed their minds when in reality it was 20% , but less than what they were buying , so I canceled before completion . So anyway, so I went to buy something online today, fill out the application online credit card with the store for 15% off and they said it would need further treatment , and would be re- them within 10 days. Which means you failed the credit check are really soft and worried bc they are seeking employment and a credit check is part of a background check for most companies . What could reduce this, how will they know what happened ? I've never missed a payment on anything . MedlinePlus MedlinePlus The credit card of your property is near maximum , but I've never missed a payment . They are postponing your student loan until they find a job , could affect your credit?
Help me to get the right information for inter-state a personal soft loan.?0Jeika Campos2012-11-03 08:29:41
Hello everyone, my name is Ira from Indonesia, helping me to find a way how and to whom I could get a personal loan from another country with low interest rates and repayment periods for long periods of time. I need fresh money to develop my business in the manufacture and marketing of Women's clothing. I have a business license from the Indonesian government and my credibility in various banks in Indonesia are not bad. I am seeking a loan funding from overseas because of loan interest in Indonesia is very high, so that business growth is very slow. once again please give the correct information rather than information relating to the fraud that ultimately even hurt. Thank you very much, from my warm greetings to you all
Help me to get the right information for inter-state a personal soft loan?2NEED HELP IN MATH PLEASE!2012-09-06 05:34:04
Hello everyone , my name is Ira Indonesia, helping to find ways of how and where I could get a personal loan from another country with low interest rates and repayment terms for long periods of time . I need fresh money to develop my business in the manufacture and sale of women's clothing. I have a business license from the government of Indonesia and my credibility in various banks in Indonesia are not bad . I'm looking for an external loan financing because loan interest in Indonesia is very high , so that business growth is very slow . Again, please give the correct information instead of information regarding fraud that ultimately , even wounded . Thank you very much , my cordial greetings to all
Can I use a check provided by my credit card company (1.9%) to pay off my car loan (4.9%)?2Jeanna2012-08-15 08:18:05
The rate of the credit card is fixed for 1 year. The auto loan still has 4 more years in him. However, these controls gives me all the time.
Can I get a small business loan with information provided?0shahroz2012-09-11 02:23:04
Bio : MedlinePlus MedlinePlus I have 20 years active in the Marine Corps . I receive my honorable discharge from the armed forces September 5, 2009 in my 22nd b-day . MedlinePlus MedlinePlus Question: MedlinePlus MedlinePlus ? I can get a small business loan at $ 150,000 MedlinePlus MedlinePlus MedlinePlus my credit score is 750 MedlinePlus I have no debt MedlinePlus I have $ 5,000 in my TSP (401 ( k ) ) MedlinePlus $ 6,000 in the bank MedlinePlus MedlinePlus What are my chances of getting a loan of $ 150,000 to buy an established business ? MedlinePlus MedlinePlus So are annualized in small business loans ? MedlinePlus MedlinePlus I
Is there a financial institution that offers a low apr on personal loans. I have excellent credit. Loan of 13K0a/p2012-09-24 05:48:02
I would like to consolidate that debt I have 13,000 since they are charging me 10% in April I wonder if there is a better deal out there. My credit score is 740 .
Is there any financial institution in Canada that will give loans to people with poor credit.?0W2012-08-10 10:31:42
It seems that no financial institutions in Canada that will give a person a car loan if you have bad credit or put up adds that bring people in, but then fail or have someother excuse. If anyone knows a place I'm sure you 'd like to know !
Can a private financial institution report to the credit bureau if they havent reported the loan to begin with?3krislin2012-11-05 07:46:02
I got a car loan through an Agency 2nd Chance at a very high interest rate . They said they report to the credit bureau and that would be a great way to rebuild my credit . 2 years later I found out that the loan not been reported , or that I am in good shape . It has improved my credit at all and I have been paying for two years . If I turn on the vehicle can report me to the credit bureau ?
Can my husband's father claim him as a dependent when he provided no financial support?1gdlola2012-08-15 11:07:03
My husband is 21 and full-time student (we were not married for the last fiscal year ). Early last year, had two part-time jobs and worked more than full time hours . You pay for school with scholarships, loans and pocket money . Neither parent contributes. At no time last year was his permanent residence with his father. He and his mother lived together ( because their parents had divorced and she needed help with renting an apartment) , but both their names appeared on the lease and the rent is split equally ( paid to the owners with a separate check ). They lived as roommates equally. He also paid for their own insurance , car, food, clothing and other expenses. Her parents remarried each other suddenly and moved to a new state with me. There was a full time job lined up before he moved and began to work within two weeks of leave. He lived in personal savings of his income for that time. We lived with my parents (without charge) until we found a house, but he continued to pay 100% of all other living expenses himself. His parents did nothing to him or my parents during this time. Three months later , bought a house. Now , my husband pays the mortgage and all other living expenses directly from your income. The only things that his parents gave him all the year were Christmas gifts and $ 1500 as a wedding gift . My husband has made ​​about $ 25,000 this year. And it depends on your parents in any form of financial support, but his parents still claim as a dependent ! This is nonsense ! Help !

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