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Hi all, im a newbie here but let me explain my story. About 2 1/2 years ago i got an overdraft of $500 dollars at my credit union that i was in (San Mateo Credit Union to be exact). Around the same time i lost my job and was unable to pay my bank back, after a certain time they sent me a letter saying that they reported me to the collections agency, and a few weeks later i got a letter from the collection agency asking to pay up but to my luck i was still un employed and had no job or money whatsoever. I recently got employed again and wanted somewhere i could deposit my money, so today i opened and account at BBVA compass bank. To my suprise it went fairly well, i was able to open a checking and savings account. But now im reading online that theres a possibility i could be shut down by somethimg called the EWS? If i was reported to a collection agency is there a possibility i was also reported to them? I deposited a fair amount of money, so im kind of worried something will go wrong, had anyone had similar problems? How can i know if i was reported to the ews?
360 days ago, I opened a secured credit card with capital one to rebuild/repair my poor credit with a $1000 deposit. I've always paid it on time and today I just received a pre-approved offer from them.
I only currently have their secured mastercard and an american express charge card so I figured it'd be good for my score if I got another credit card. I called them to see if I could convert my secured credit card (credit limit was $1000 a year ago, $1450 now) into an unsecured credit card but they said they don't do that.
How should I go about getting my Grand back without hurting my credit? Should I sacrifice a goat? If so, what words should I chant as I'm doing it?
I would appreciate the advice.
I took all your advice and apped DCU. Approved for a car loan for 2.49. Great. I bought a new-to-me car exactly one month ago. Jan. 24th. Nice Volvo, 2011 with 40K miles.Everything was going well until last week when I heard a noise that was kinda scary, sounding like rubbing metal. It was loud, lasted for about 10 seconds. During that time, the gauges on the dash were all normal and the car felt fine. Then the noise stopped. Today, the same thing again. To me, it sounds like the sound you hear when the rotors are worn, but wouldn’t they have checked that before they sold me the car and put new brakes and rotors on? The car passed inspection! I’m really steamed about this. Can a car-savvy CBer tell me what recourse I have? I really did not expect to have to put new brakes/rotors on a quality used car that I’ve only had for one month! And it’s still under the dealer’s limited warranty but I believe that excludes brakes. The car’s only been driven about 700 miles, for goodness sakes, and about 200 of that was driving the car back home from where I bought it in Jersey. And I’m saying brakes/rotors because that’s what it sounds like to me. I guess it could be much worse? What do I do? What can I say to the dealer to get them to take care of this – or am I SOL? That would suck. Your advice is appreciated and desperately needed. Thanks so much.