Archive for March, 2009

Have I made all the wrong decisions?

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1. My relationship of 5 years fell apart in the last few days
2. I can’t afford my life (I have to work more than 2 weeks JUST to pay my rent… no utilities included)
3. My credit card balance is over 3k
4. All of our bills are late and piling up and up and up (easily $1000 that we are late on)
5. I wish my boyfriend and I didn’t live together because I feel like we would have had a better chance at staying together if we didn’t live in such an expensive place (like if we lived in a 1-bedroom apartment for $600/month compared to the 3-bedroom condo we have now for $1250/month plus utils.)
6. I have two dogs I love so much, but I wish I didn’t get them because they add so much stress, worry and COST to my life. I would never give them up, but now we have to deal with who keeps them since we are breaking up, or if we should each take one.
7. I am attending grad school in the fall and I am getting to nervous that I didn’t choose the right career path!
8. Often I feel like I just want to sell everything I own and just go move somewhere by myself and start all over, but it scares me so much.

I feel like I am going through a quarter-life crisis.
I wish I could go back to being 18 again and do everything differently.
Any words of wisdom?

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question about bankruptcy?

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I am considering filing for bankruptcy, but have some questions first. The debts that I have are not a whole lot compared to others, but they are more than I can pay right now. They are mainly bills like, a Direct TV bill, an electric bill, an internet bill, 2 credit card bills, some medical bills. All of these accrued while I was trying to live on my own when I moved out of my parents house. I am now living back with my parents and I can not pay these bills because they just keep adding up. I would like to get these paid and someone suggested filing bankruptcy. I also have a car that I am behind on the payment with. If I filed for bankruptcy, would I be able to add my car payment and still keep my car? How does this work exactly and what are the pros and cons? Thanks for your help.

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My co-applicant for my apartment has an eviction on her record?

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My sister was evicted from her apartment last year and has been living at home since. She was 30 days late on rent because she had lost her job and was in the middle of a messy divorce. She has always been good with her finances in the past; however, her financial troubles hit at the same time and put her in a bind.
My question is: She is looking to get an apartment with me since my lease is up, our parents are moving out of state, and we have no other family or friends that have room to take her in. I have no prior evictions so would a landlord look at the application and be willing to rent to us if one of us has eviction history and the other does not? Her credit history is only messy around the time of her eviction, meaning she has a charge off on one credit card for $400, which she paid in full and another charge off for her car, which they repossessed (yes I know its a lot, but I’m not writing to have people judge her, so please only answer the questions) She has been up to date and paying in advance all of her bills for the last six months, since she got a new job. We compared credit reports so I know exactly what is on hers. My credit is excellent. Please only serious answers. We are looking to rent in a complex and are trying to avoid renting a single family home. However, if that is our best option, we will take it. Thank you in advance!

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Is requesting an increase in a credit card limit treated the same as an application for new credit for FICO?

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I know that applying for a new card will reduce my FICO, and that increasing credit limits (while keeping debt amounts constant) will increase my score – but this would not be the case if requesting the increase in credit limit is treated as a new credit card application?

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When a credit card company approves you for a certain amount, can you appeal the amount?

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I work for a finance co & sometimes we can appeal. I had credit card offer for 0% for tranfers but they only approved $1000. I need at least $3000. Is it probable?

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i want to ask with a secure credit card from orchard bank?

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and u mail the deposit in with your application are u approved as long as u send in proof that it is you applying for a secure credit card.thanks to everyone who answer this question.

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FIRST PREMIER BANK PLATINUM CARD APPLICATION?

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I got an envelope in the mail talking about a credit card for people with bad credit and it said to go to netfirst platinum . com. I went there and my mcafee site advisor had no intel on the site so i check it out . They want my address and other personal info including my social security , i just got a computer and have no idea about Internet safety. so if youve had experience with first premeir bank or netfirstplatinum.com……

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Error on Credit Application, Now Filing For BK?

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When I was 18 years old, I was living with my college boyfriend and his aunt. I rec’d a few credit card offers and when it asked “household income”, I listed $45K since that was the amount that my boyfriend and his aunt were making combined…I, at the time, was not working but attending school F/T.
Now, 4 years later, I’m filing for bankruptcy. I’ve only worked P/T jobs, because I’ve been going to school F/T, and the lawyer has asked for copies of my W2’s.
Because the income I listed is WAY OVER what I actually made, will I get into trouble for this or will I be allowed to file for BK on these cards? Will the credit card companies see this?
Do you know anyone that is in this similar situation?

Honestly, I’m about to graduate in June and am sh-tting bricks, ‘cuz when I go up for a job, this is going to be reflected on my credit report.

What should I expect?
Thanks.

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How can I change my payment options from credit card to pre paid on Xbox Live?

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Now I’m gonna be taking my credit card information off of my account. I want to change this to a pre paid card. What I want to know is if it’s required to have any credit cards associated with your account. Example: Take all credit card information off of account. Switch to pre paid card. Does this work? Also, will I still have my achievements and stats and friends?

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Need Help with Feelings Towards Ex! Please Help?

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Hi guys I know this is pretty long but please help me out if you can find it in your heart to aid a really down college student.

I will choose a best answer and dish out points whenever possible

Alright so basically, my ex-girlfriend and I broke up like 3 months ago because she said that she needed time to “grow up”. Basically, we decided to still be friends because we really still like each other and get along great. However, I am still very much in love with her.

The problem is that lately I’ve been feeling really down around my ex and kind of jealous and I don’t know why. She’s basically perfect at everything. She’s very attractive because a lot of guys flirt with her, wears size 00 pants, exercises constantly, her parents are wealthier than mine as she lives in a half a million dollar house and her dad retired at the age of 48, she always gets whatever she wants (material-wise) i.e. she has two pairs of Uggs, wears all Abercrombie clothing, gets the newest iPod every year, breaks her cell phone at least 3 times a year, has two pairs of Sperry type shoes, and gets Tiffany and Co. jewelry costing around $175 once a year (She gets all this stuff usually for Christmas or just because presents but she always gets whats on her list of wants), she makes friends easily, has time to join lots of clubs in college, works as a store model for Abercrombie and has a higher GPA than me while majoring in journalism, and sometimes I feel like she has all of God’s blessing even though she is extremely atheist.

However, I am the complete opposite as I always work for what I get. I’m in one of the top 10 business schools in the nation but struggle to maintain a 3.0 GPA and spend most of my time studying, I haven’t met very many people in college because I’m trying to save money by living at home with my parents (my ex lives in the dorms which her parents pay for even though her parents live 2 blocks away from campus), I spend all my free time at home, I don’t find myself as attractive because I’ve only worked for American Eagle and I am Asian, my parents want me to earn things so I have to work to pay for my clothes, cell phone, car repairs and other stuff I want unlike my ex.

I just feel crappy to the point that I’ve been unmotivated to study and I want to sleep all day. I’ve stopped going to the gym and I have been wallowing in my own self-pity, I’m always wishing that my parents were a lot richer because my ex gets to finish college at her own pace while I’m pressured to finish in 4 while her parents can also afford to let her take summer classes not only at where we go to school but to other colleges such as New York University and/or Chicago to make her workload easier while I don’t have that luxury. She also got a chance to study abroad twice.

The only thing I feel like I have an advantage over her is that I know how to invest and save my money better than her because she can’t save her own money at all. She doesn’t even know how the basic definition of a stock or how a credit and debit card work. I am very ambitious and always look for ways to make extra money through investing and saving but I always still feel down because I know that she’ll still get ahead of me in the future because her father is already investing money for her for her retirement in the thousands already.

Not only does she get all that stuff but her little sister and her brother get all the stuff they want to. Her sister basically gets everything my ex does like a new iPod at the same time my ex does and wears Abercrombie only also. However, if she doesn’t get her way at all, she always throws a fit (I’ve been there to witness it) until she gets her way. I don’t understand how she gets all this stuff either. Is it possible to get a life like this when her dad worked as an engineer for GM for 20 years and is now retired and her mom is a territorial manager for Johnson and Johnson?

Despite all this I feel like God’s let me down. Why does he bless people that don’t believe in him? Should I stay away from my ex even though I still love her? She is white and we’ve known each other for 4 years and dated each other for 2 and a half years. Can a relationship with 2 different people like this work out again? Why do I feel this way? I get really jealous because no girls flirt with me at college compared to guys hitting on her. What should I do? Am I even in her league at all?

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