Desperately need advice on raising my credit score! Please help!?
Have you pulled all 3 of your credit reports? If not, that should be your first step as you need to check and make sure the information is correct. Do you have any collection accounts? Any information that is incorrect or not yours, you need to go about fixing those first. We can help you with that if you need it. Next, try contacting the credit card companies you missed payments on. Explain that you hit a very rough patch and see if they will cut you a break when it comes to the credit reporting. Many of them will do that, especially in return for bringing the account current. Just call in and talk to a supervisor. Try to pay down all balances on your credit cards to 30% or less of the total credit limit. Carrying high balances will hurt your score. Keep them all current. Try adding some new credit, like maybe department store cards. They are easy to get and help add lines of credit to your report. That's about all you can do, being in college with a part time job. In a few months your score will start to go up. Once you are out of college and have a better paying job you can do things like finance cars and so forth, which will help your credit even more. You can check out these links below. They have lots of good information that will come in handy in the near future. Good luck! http://www.creditinfocenter.com/rebuild/ http://www.creditinfocenter.com/repair/
I need car insurance desperately, really struggling to get decent quote, any tips/help?
I'm a 17 year old male (yes, i know you've already considered pressing to back button or telling me to give up) I work part time, and in college, I'm from a small town, little crime, I passed on the 18th of July this year, and since then, trying to find any reasonable quote, or anything below £3000 has been impossible, Any advice on cars, systems, insurers to use would be greatly appreciated. Thankss :)
I desperately need a car but have no money for it and cant get a loan?
Welcome to the REAL WORLD!! In order to get something, you have to work for it. Go out and get a job. You can buy an old beater on craigslist any time you want for $500. Then you need a cash reserve for insurance, gas and maintenance. In the meantime, ride a bike, walk or carpool with a friend. If you choose the carpool option, you need to help pay for gas. Since your going away to college, find a place close to campus so you don't need to drive.
2D VS 4D Carbon Fiber Vinyl Wrap On Car! Need Advice Please!?
Hi, I want to wrap my car with Carbon Fiber Vinyl. I used BMW Silver Color. and I want wrap with carbon fiber vinyl on roof, bonnets and spoilers (Back). I just confuse which one more glossy and look better on car roof and bonnets. 4D or 2D. Some said 2D very glossy. But i need advice should i choose 4D or 2D? Thanks
What are the states that require car insurance?
But for two unique circumstances, all US states require auto insurance in varying limits and coverages.The two states that don’t require auto insurance still have financial responsibility laws and significant consequences for not complying with state statutes. Those states are:NEW HAMPSHIRE:“New Hampshire has no mandatory insurance law” so says the NH DMV. They go on to say “The Division of Motor Vehicles strongly recommends and urges all owners of motor vehicles to carry standard liability and property damage insurance.”If you have been convicted of the following offenses in New Hampshire an SR-22 is Required. Say, Insurance is required:DWI, Leaving the Scene, Reckless DrivingA habitual offender of motor vehicle lawsHad an at fault, uninsured motor vehicle accidentIf you’re involved in an at-fault accident in New Hampshire:You must provide “proof of financial responsibility”. That is, that you can provide sufficient funds to cover damage resulting from accidents that occur in the state and arise out of the ownership or use of a motor vehicle. That financial responsibility amounts to a total of $75,000.VIRGINIA:Pay a $500 Uninsured Motor Vehicle (UMV) fee, to the Department of Motor Vehicles (DMV) and you can avoid the auto insurance requirement. This must be paid each year in lieu of purchasing insurance.Like New Hampshire, an SR-22 is required following convictions of:Unsatisfied judgementsUninsured motor vehicle suspensionFailure to provide proof of insurance associated with insurance monitoringFalsifying insurance certificationDriver's license suspensions or severe convictionsBoth states require $25,000 per person and $50,000 per accident. NH requires $25,000 property damage liability and VA requires $20,000. Interestingly, if you purchase auto insurance, both states not only require Liability, but Uninsured Motorist coverage as well.One might be better off in a state that requires auto insurance and just complying with the law?
What advice would you give to lonely Christian singles who desperately want a family and a spouse but are convinced they will be alone forever?
Thanks for the A2A!This is kind of a tough question for me to answer, as I never went through this stage. I was blessed to be married at 23, having been in the same relationship since I was 20.Still, my advice would be one word: Perspective.Keep your situation in perspective. It's tough to be alone if you desire to have a spouse and a family. Don't focus on this one problem, though. Focus instead, on just living a godly, fulfilling life. Make friends, work hard, and work on being the best future spouse you can be for that person you haven't found yet.Don't let your longing for a spouse fill your entire perspective. Step back and focus on the big picture. Will you really remain single forever? Not likely. Worrying about this has the potential to make you desperate and desperate people don't always make good decisions.Instead of worrying about singlehood, try to embrace it! This is your golden opportunity to prepare yourself for a future marriage without the distraction of being in a relationship. Focus on preparing yourself to be the perfect spouse for someone else. You want to be ready when the right person comes along!Develop healthy, proper relationships with members of the opposite sex, but don't resort to flirting. You don't want a negative reputation following you around.Have faith that your current single status is right where you need to be for right now. Take each day one at a time, and don't worry about the future. You have no idea what God has in store for you!I’ll end with some verses that I think pertain to this situation:Trust in the Lord with all thine heart; and lean not unto thine own understanding.In all thy ways acknowledge him, and he shall direct thy paths.[1](Proverbs 3:5-6 KJV)::Footnotes[1] Bible Gateway passage: Proverbs 3:5-6 - King James Version
I'm getting to drive a Mercedes for in day in Hyderabad, what can I do to make full use of it?
I am assuming you are a fan of Mercedes which can be interpreted as A. You like to be seen driving a Mercedes in which case:i.Take it to your place of work or place of study.ii.Let people(colleagues/friends) admire it but with caution(as the car is not your own). Let them take a selfie with you and it. iii. Drive around your house so it registers with your nosy neighbours or so that it registers with any girl/boy you intend to impress.B. You like the experience of driving a Mercedes:i. Take the car out to a clear field or a track where you can enjoy the sheer pleasure of driving a Mercedes.ii. Share that experience, with close friends, family and people you love by taking them out for a meal to a luxurious hotel.iii. Keep doing i. till your hearts content, till you are fully satisfied with your Mercedes experience.