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State California
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Allowed (Our partner lenders provide payments in California)
Loan amount limit  $255 if maximum fee charged ($300 maximum check)
Loan terms Max: 31 days
Finance rates 15% of check
Finance charges $17.65
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11623 Cherry Avenue No. B4, Fontana, CA 92337

California

Fontana

1295 North Euclid Street, Fullerton, CA 92835

California

Fullerton

82227 Us Highway 111, Indio, CA 92201

California

Indio

1450 Olive Drive No. A, Bakersfield, CA 93308

California

Bakersfield

1460 7th Street No. A, Oakland, CA 94607

California

Oakland

1955 41st Avenue No. B8, Capitola, CA 95010

California

Capitola

3276 Adeline Street, Berkeley, CA 94703

California

Berkeley

100 North Raymond Avenue, Fullerton, CA 92831

California

Fullerton

134 W Base Line Road, Rialto, CA 92376

California

Rialto

836 N Santa Fe Avenue No. A, Vista, CA 92083

California

Vista


Frequently asked questions about bad credit california

  • it really hard to rent with bad credit especially if you have a rental collection. most renters would run from that. you might need a co-signer. if a renter does decide to rent to you your security deposit will be very high.
  • 2
  • Rent To Own Homes : http://RentToOwnHome.uzaev.com/?fQaW
  • Find a roommates shared an apartment. Maybe, co-sign by your parents.
  • rent to own store, you do not need credit there. You make weekly, bi weekly or monthly payments. Check the phone book for the nearest store to you
  • Anywhere... if you have the cash, anybody will sell you a TV regardless of your credit history. If you don't have the cash, don't buy the TV.
  • To tell you the honest truth, yes you can be denied a license for having open debts, especially when you have them past the SOL
  • Not unless the holder of the financed note agrees and usually they will not
  • hi thx for your question you can found the solution about your question in here http://1st-in-loanrefinancing.blogspot.com/ thx :)
  • You need to write a business plan to submit to a lender to prove that you can repay the loan. Go to HTTP://sba.gov/smallbusinessplanner/plan... or HTTP://www.bplans.com/ where you will find sample business plans and instructions on how to write a business plan.
  • we are in desperate need to find a apartment in yuba city thats a 2 bedroom 1 bath under 750.00 or 750.00 but my husband does have an eviction.do u know of any yuba city ca apts that will be lenient and work with us if so please le me know as i have a 9 month old im 6 months pregnant and im too be out of my apt by 4/9/09 thanks so much
  • Check on craigslist.com all you need to do is e-mail posters that have apartments you're interested in and let them know up front that you have a bad credit situation. You'll find one that won't care -- they might ask for a bigger deposit but that's about it.
  • There are lots of apartments in Yuba City that accepts bad creditors only if you had a co signor with you, you can try to browse in any search engines by just typing apartments in Yuba City and see it for your self..
  • Lots of people have houses. Only with bad credit, most of them rent. Or they could have had parents co-sign the mtg. With bad credit, you don't buy houses, without a huge down payment, or co-signers. Or your friend could just be 'blowing smoke' about being a home owner???
  • I don't know, we don't magically know your friend.
  • Try http://www.esuperfind.com/lowermybills.p...be careful using any one that isn't VERISIGN approved, I have seen many such scammers on yahoo.
  • Not as long as you keep your credit files separate. Don't open any joint accounts, and don't apply for any joint credit.
  • If you can't afford it, you don't need it
  • Good Luck... unless you have some real collateral like a house that is worth something... you won't be able to get it financed since you have nothing to secure the loan with. You could check with the surgeon's office and see whether they take payments, etc. or whether you can make "pre-payments" until you have enough in your Dr.'s account to pay for the procedure. I used to do this with my dentist... make payments into my account until I had enough together to get the procedure done... But that depends on your Dr. office and his accounting staff.
  • Getting financed would be resembling getting an unsecured very own loan. if you have a great down cost your opportunities would be greater proper. yet as soon as you have a background of low credit, then lenders would be leary. enormously devoid of collateral.
  • Uh...well...maybe become an exotic dancer...and get some guy who likes your lap dances to fund them? Or save the dollar bills they throw at you for it? You won't get financed for plastic surgery with bad credit...sorry.
  • I would suggest living with small breasts until you can afford the augmentation.
  • Because that's a priority in this economy!
  • Credit ratings are not criteria for taking series 6 or 63. The broker that is sponsering you for your license should be more concerned about your credit, and rightfully so, If a firm is willing to take a chance with you, then you wont have to worry about your credit. If you find "an easy" going broker, they are not worth associating with, or jepordizing your licenses. Just find a more reputable brokerage firm and be upfront with them, many may take the chance. Good luck
  • you are going to get ripped off big time. Save the money and buy it in a private sale.
  • This site has some good lenders for bad credit borrowers. Check some of the lenders here out. http://axalda.info/bad-credit-car-loans....
  • I don't live in California, but I can share my experience with you anyways. When my husband and I were looking for our first apartment, we had an extremely hard time finding anyone who would lease to us because my husband was on deferred adjudication for theft. We had almost given up hope. One day I called several apartment locator's companies, which I found on the internet, and explained our dilemma to each of them. Trust me, it was hard! I must have been hung up on about 10 times! We finally found a company that said they could help us. They found us an apartment within a week! It was the best day of our lives!
  • those are th e in effortless words recommendations i comprehend of- a million.locate an position of abode that would not do credit exams 2.grant suggestion letters that overshadow your credit record 3.Have someone co-signal for you 4.placed down a large deposit or pay quite a few months of employ ahead 5. Have your sister employ it and upload you on the employ later(have her verify that if she exhibits a roommate or her sister strikes in with her later can they upload the roommate to the employ?)
  • In most cases, fraudulent use of a credit card is punished as theft. So if the value obtained was under $400 is is petty theft, with a maximum punishment of 6 months in jail. (Pen C 484g.) Unless the card was used at a bank, I don't know what federal offense would be committed.
  • Did the person use it with your permission. No fraud although you have breached your agreement with the provider. If the person paid you back there is no fraud. Fraud is when someone uses your credit card, you see the charges on your statement but have no idea who used your card (the provider investigates)
  • Credit Card fraud is a FEDERAL offense. Not a state offense. And, it doesn't matter if they paid the money back. The fraud has already been committed.
  • Its california! you will be rewarded for your Fraud, the state will most likely match your $100 by raisng a tax on the rich
  • Look up Monfric Management on Morena Blvd. in San Diego and contact them. They specialize in managing section 8 and low-income housing throughout Southern California.
  • the hud office should be giving you the listing of places that accept hud. good luck
  • First of all, it makes no difference what State you live in because bankruptcy is Federal not State. Now, to answer your question. Bankruptcy is much worse for your credit and it stays on your credit for 10-years from the discharge date.
  • Bankruptcy
  • Bankruptcy ruins your credit score for 7 years.. its MUCH worse. The person above me is clueless.
  • an unpaid debt is a lot worse. in some ways a banruptcy is good because you can't file again for many years and you have no choice but to pay your debts. p.s. i went through bankruptcy 3 years ago. it was only after i resolved my unpaid debt that i was able to buy a house. car dealers scour bankruptcy records in order to sell you a car because they know you HAVE to pay for it.
  • Lets put it this way, I have bad credit... my brother filed bankruptcy...he just bought a house, I still can't. You Decide
  • Bankruptcy always looks worse.
  • there a place called west coast motors, they are not the most reputable dealer but if you walk in with cash they will find a way to get you something. I think they are in oakland? not sur, just do some online searching, its a used car dealer.
  • Drive around and look for signs that say something like "no credit, no problem", "we finance, no credit checks", or "we finance anybody." These are a different class of car dealers called "buy-here-pay-here" who don't check credit because they charge the highest interest rate allowed by the state of California. The cars are overpriced, as well, and you can't negotiate because they know customers are desperate. Payments are due on weekly or bi-weekly schedule and a device installed on the car won't allow it to start if you are late with a payment.
  • You don't. Legitimate lenders have quit making loans to bad credit risks due to the sub-prime mess. If you have bad credit, the last thing you need to be doing is taking on more debt.
  • What state/city are you in? Do you have any collateral? If so, what?
  • California is a community property state. Your future earnings could be in jeopardy if they go after him, receive a judgment, and try to seize money that was earned by you but is (according to CA law) also his.
  • Many buy here pay here lots with the high interest rates and poor vehicles do such things. But generally that is a group you don't want to be involved with. You'd do better to improve your credit, or pay cash for a car. And it doesn't stall, You park, and it won't start again.
  • not legal in all states/where do you live/
  • I'd look for a shared room/sublease. You can often find these. I had a room I was subleasing up until I decided to move to California; I'm leaving in a few days. I just ran a criminal background check on the guy to make sure he was all good in that sense and then took a check from him.
  • It seems like you may either be eligible for renting out a room in some nicer area or renting an apartment in a not as desirable area. Someplace where the landlords are desperate for renters that have a job. This is one important reason why a person should never abuse credit cards right off the rip. Good luck.
  • U-District
  • If you live in California, they don't credit score, so it won't matter. If you DON'T live in California, you probably need to use a local agent, who will know which companies will give you a policy with bad credit. Foremost Insurance is one, but they charge more. And you still have to use an agent to get a policy with them.
  • Nothing is wrong with the credit card gift cards but you do have to pay a card activation fee. Here in California that fee is $4.95, that's in addition to the amount you get on the card. So that kind of stinks.
  • No, they are loaded with what ever amount you want and when it is spent, that is it. The downside is that you can lose the card or when it get low you don't use it because it only has a couple of dollars on it. That is what gift card companies count on. At least 10% of all gift cards are never used.
  • i do no longer understand approximately different present enjoying cards, yet i'm advantageous you won't be in a position to apply an American show present card via Paypal. i attempted and it did no longer paintings. I registered my present card at Amex too. It did no longer paintings. I called the two Paypal and Amex to attempt to override it, yet nevertheless it did no longer paintings. Amex advised me that this is their coverage for the reason that purchases won't be in a position to be tracked back to the guy.
  • I just bought a Gift Card Amex for myself, its awesome!
  • i have one and i'm trying to buy john dolmayan drumsticks online and they declined my card but im trying it again ahahhahaha
  • They require no imagination to give. That's why they suck.
  • A good question. Here in B.C. on the Left Coast, you can be stricken from the rolls for not being able to pay your bills. In Calif., it might depend on the nature of your debt. The boys in Calif. take a dim view of members who owe child support, for example. See Rule 2.34 and http://rules.calbar.ca.gov/ for more on this and requirements generally.
  • My parent(just one) has bad credit due to divorce issues, and jobless, parent quit because of bad wages ( worked for over a year but still received minimum wage even though it's a full time job) and only has enough money to pay the bills for 2-3 months with the child support check from the other parent($1500) is there any place we can get a bit of help? The parent is currently studying to get an office job, which pays much better than being a waitress. So after 2-3 months we probably will have no money. Im only 14 so I cantndo much but I have 1800 saved up soni can help a little bit but not long. So I just need some suggestions on wat I can do, I wish I can get a part time. Don't know the laws of California too well on teen jobs. Any suggestionswouldnhelp my mind be at ease, thanx in advance
  • As for a teen job, you could start your own business. http://waits4u.com/Finding-Jobs-In-A-Bad...As for your parents, why not suggest that in this economy, it is not a good time for not having both parents in one home, sharing costs, and doing what is best to get through this? Also, it is good for the environment. Stay Married And Save The Planet http://www.reuters.com/article/oddlyEnou...
  • Get your credit in line before you go on the hook to get yourself in more trouble. It doesnt take long. Save a little money, pay your bills timley for a while and then take out that loan if you still need it. If this is an emegency then you should simply go into your local bank, sit down with a loan officer and dicuss some terms. They will probably be able to work something out for you, but you may need collateral, or you may be charge terribly high rates.
  • my advice would be that the parent go back to the minimum wage job. i mean minimum wage is better than no wage. nobody likes making minimum wage, but if you have children and bills to pay-then you need to take whatever job you can get. you could look around your neighborhood to see if anyone needs help with yard work or watching kids.
  • Well .........deadbeats like living in Illinois...with their lousy credit ratings...... ...just look what that one guy...who used to live in Chicago... did when he moved to Washington D.C. ..........
  • If California and Illinois had the oil and natural gas resources that Texas does, that could make a difference. The Texas economy is based on a number of factors that helps that rating: low debt ratio, since they have fewer and lower pensions to fund (and have recently made additional cuts); they had a "jobs boom" because they have the highest percentage of minimum wage and below-minimum wage jobs in the country.
  • California's rating just went up to an A from and A-, so at least they're headed in the right direction. They just recently came out from under the debt imposed by the governership of the GOP terminator, and Brown has paid off the debt and running a surplus now. Texas does have an AAA rating, though. Edit: OK, but at least they are working to fix it.
  • Because Illinois' legislature has been full of crooks for ages. Look at our previous governor (who is currently in prison for trying to sell a Senate seat, among other things). State funds have been mismanaged for a long time, and while things are improving, they're not improving very quickly.
  • When enough Mexicans migrate there, Texas will be blue, very soon, enjoy
  • because Bush lied California and Illinois into destroying their ratings!
  • Both states have more criminal politicians than honest ones
  • They are enormous, nanny states, welfare states, and blue and liberal states.
  • percentage of welfare == bad credit rating
  • They have enormous welfare states.
  • A co-signer has to have good credit. A co-owner only needs reasonable, she would need to have better credit credit then you and be the primary bread winner.
  • buildcredit.ifastnet.com - try this service to boost you credit score before getting loan. After credit repair you can get the loan with minimal interest rate.
  • that is up to the bank
  • Is it possible to have someone else sign the lease for you, like your parents? The laws in regard to renting need to be changed.
  • Don't do Fixing Credit Reports - they are scams and will ripp you off. Only way to fix your c.r. is 2nd and 3rd jobs - pay your bills off. Credit fixer actually mess up credit more. As for renting , find a mom-pop operation or a place with real human managers - rent from them , stay 2 yrs pay in advance of date make no waves. You got best references now. As for money problem Visit DaveRamsey.com to learn what you don't know so you don't lose your money shirt again. Remember cash is king Credit is dumb.
  • Look for a month-to-month rental agreement, not a 1-year lease. This way its less risky for a landlord.
  • If you have a good job you can get a apartment anywhere. in my hometown the landlord checks for good credit but by me having a good job she overlooked it!!
  • The landlord could ask for a cashiers check for the deposit.
  • California is a community property state, so his credit report will be used to determine if you get the mortgage. If property is held as community property, each spouse technically owns an undivided one-half interest in the property. This type of ownership applies to most property acquired by the husband or the wife during the course of the marriage. It generally does not apply to property acquired prior to the marriage or to property acquired by gift or inheritance during the marriage. After a divorce, community property is divided equally in some states and according to the discretion of the court in the other states. Hope this helps answer your question
  • http://loan-seeker.info/bad-credit-loans/ has a lot of info on Bad Credit Loan providers.
  • No, it is not mandatory to include him on the mortgage. However, by doing this, you cannot count his income when you go to qualify so you can only count your income (which will lower the amount you can borrow).
  • Some will, but they require a larger deposit. When applying, you may consider pointing out that the bad credit is in the past and that everything is current. You will most likely need to provide proof of income. You might also try renting a room in a house through craigslist, as they may just as for a letter of reference.
  • Yes you can. Not all apts, but there are some that will rent to you.
  • Of Course, they still want your money. You will just have to pay 1st and last and a larger deposit normally :)
  • Most complexes will not, the apartment manager works for the owner and has set criteria they have to follow. A private owner might, all you can do is ask. I rent to young people with no credit, but no one who has charge offs or dead beat dads. It really depends on why the credit is low. I also overlook illness, I ignore all of the medical bills.
  • You need to make yourself appear like a reliable tenant. (which I am sure you are) You can do this buy offering more months paid up front like you suggested. You can get a guarantor (cosignor) to sign your lease who has a good credit score. If you can prove a very high income to rent ratio the landlord may care less about your credit score. If your credit was ruined one event then expain this in a letter to future landlord. You must be able to show a history of good payments outside of the one event for this to work.
  • sure you can try to offer 2-3 months of prepaid rent. I would think many landlord would go for it.
  • It is possible but not required. Many landlords will do that but it would not be illegal if they refused.
  • I signed the grant deed because of bad credit at the time from decesased former spouse. 15 years later my current husband and I are getting a divorce in California where we reside and our home is. a year later after purchasing the house we refinanced to a shorter term loan but i was still not put on the loan or title.. I dont rmember signing the grant deed again. is the original grant deed still in affect from the original mortgage or is it null and void. Me signing that document was not meant to deprive me of my rights to the home. it was for qualifying for a loan initially. My husbands lawyer is waving the original loan interspousal transfer grant deed like I just threw out the baby with the bath water. Am i gonna lose my only savings in the equity of my home because i signed something we wouldnt have been able to get if I hadnt.
  • This is a complex question and I suggest you speak with a (your) lawyer as soon as possible, best wishes
  • DELL!!!!! Can't say it enuff. When I called Dell to try & get a PC, I never dreamed they'd accept me. My credit was bad & I've would have bet you it wasn't going to fly. Almost didn't call but my hubby told me "All they can do is say no." Well, guess what, I'm answering your question from a Dell. I'm pretty sure they're nation wide & you don't need a store cause they ship it out to you. I really feel lucky too cause as far as I'm concerned they've one of the best. 24/7 tech support. It never tuns out, not even after your PC is paid for. Oh yeah, forgot about that, we paid nothing down & had reasonable payments. Anyway the tech support last as long as you own your Dell PC. You just can't get parts for free after the warrenty is out. They do sell extended ones tho & I got one. They've just about rebuilt my PC. New Mother Board, Modem, etc. They've started a new deal on tech support that I loooove. You can now turn you pc over to the dell tech & just sit there & watch him do things with it. It's a kick to watch the screen & all these thingsa are going on & you hands aren't on it. They also explain what they're doing so you'll understand.
  • 220? I thought it was 160? 90 is fine. i think i had 96 starting my junior year. I took alot of electives and fun classes (which I ended up really enjoying) and graduated with more than 300 credits.
  • try www.prosper.com Plead your case, and how you intend to repay. Somebody might offer to loan you the money with 3 years to repay monthly.
  • If you have a relationship with a bank, start there. The bank may not be able to give you a loan but be able to direct you to another financial institution that could. You will likely be paying subprime interests rates. I recently got a loan through Wells Fargo Financial. Also, just be careful of the loan scammers out there. Do not give your personal information to any lender until you can verify the business name, address and phone number. And the best tipoff that it is a scam is that the lender will ask for upfront money before you receive the loan. That is illegal in the United States and Canada. Good luck to you.
  • If you are seeking for a loan lender or wants a financier,then I would highly recommend you for alexis,He helped me secure some business loan within the last working 4 days.He is the best,please if interested in getting a lender or wants an urgent need loan...then i will recommend him. He can be reached via this address(alexxyorkie02@yahoo.com). K
  • There are plenty of places that offer loans for people with bad credit with no-hassle applications and easy requirements. Some of these lenders even offer 1 minute approvals, and have both secured and unsecured loans, depending on your need and situation. Check the page listed below, it has information and bad credit lenders listed off and on. http://www.axalda.info/bad-credit-loans....
  • Hi everyone, i am Crolina i saw comments from people who already got their loan from Mary Pery and are you in any kind of financial difficulties? Your help comes now.Are you losing sleep at night worrying how to get a Loan?Don't allow your dreams to die, contact Mrs Mary Pery via email(marryperyloanhome@gmail.com) for any kind of loan you need today for easy and reliable loan.
  • There are many providers in California that will meet your needs. Look around for the cheapest interest rate and repayments before deciding. My profile under debt has more information and resources.
  • your visit in this site
  • Like much of the U.S., the housing bubble has burst. Property values are decreasing. At the same time, this has made it more difficult to obtain credit -- banks could be on the hook for many loans that could go into default, so they're only lending to the more secure borrowers. A restaurant probably is not a good business to get into at the present -- high failure rate at the best of times. When the economy is in stress, people tend to conserve. A dollar store might be better if you have excellent management skills and a prime location. Your business plan will have to be sound before any bank will lend you much.
  • i live in california and right now the economy is terrible people barely have enough money for gas no way are people going to resturants but ir riverside thats where we need businesses but in hollywood or moreno valley or any where else they dont need any more business also alot of business are closong down due to bankruptcy and other things... i supppose if you do open a business open it when the war is over or when the economy is better...i think arizona would be a good place to do that because theyre economy isnt so bad
  • I was with Wells Fargo and they found a way to fee me for just about anything and I'm done with them. I need to get an apartment in a month and if somone could tell me what the most trustworthy bank/credit union based on personal experience where they don't fee you for a ton of stuff...that'd just be amazing. ^^
  • I agree with you, I hate Wells Fargo, but four different times in my life I had checking with them. I don't trust the big banks right now and have a small local bank I do my banking with now. Look for one, and see how they fit you. But if I had to say a national bank, Chase is okay....as long as you don't borrow from them. I guess after the small local bank, try a small local credit union. Right now all the big banks want is ways to pay off their bad debts, and they have turned really trashy towards the customers in order to raise capital.
  • My school, UCSC, is making me severely depressed. I miss home and I feel like that I cannot further my goals in life at that school because they don't offer the majors I would like to focus on,( Marketing, Advertising, and Communications). I want to go to SMC in the fall, im worried that the colleges I want to transfer to (Chapman, Lmu, U of San diego) will look negatively upon it if I do go there, and am afraid that all my units won't be transferred and it will set me back. Is this a bad idea?
  • Get a grip and make some phone calls. It is very likely that most of your credits will transfer from a University of California to any other four-year university. It is also likely that there will be a couple classes that will not transfer. I'm not sure what school or schools you want to transfer to: St. Mary's? Loyola Marymount? Either go online and look up the university website under Admissions/transfer or call the schools and find out what you need to do. UCSC is a great school and a beautiful campus, but if it isn't a good fit for you and doesn't offer the major you now want to pursue, you should transfer. It isn't that big a deal. Kids do it everyday. The key is you need to get on this ASAP if you want to transfer for next fall (deadlines are NOW).
  • How long ago was your bankrupcy discharged? Most lenders require your bankruptcy to be discharged a minimum of 24 months.
  • Well, I'm not so optimistic. I live in NYC with above avg. credit score. The bank denied my primary residence home loan. The banks regulations have gotten very strict, unless a year ago. But, good luck to you.
  • Yes, but you will need to pay a down payment. You could qualify with a FHA loan with your low credit score, but you must meet certain critieria.
  • he's right. just to clarify, it is not legal to deny someone a place to live on credit. They can however, charge you as much as 2x the monthly rent as a deposit. In California, at least.
  • Yes, Either you will have to pay a bigger deposite like first month and last month or you will have to try to find a place like a duplex that is privatly owned so they dont run your credit. I got a roomate with good credit so we evened out and got a place...its also cheaper!
  • Not a nice one. You are gonna have to get a ghetto crib or rent a house from an individual
  • I live in California and western dental advertises on TV and say they finance people with bad credit.
  • do no longer you have a social risk-free practices style? seem up Care credit on the computer. they have a deal the place you are able to borrow 2000 greenbacks and pay it returned in 2 years without activity. that is totally for dental artwork.
  • Sorry bucktooth, get a simple line of credit and build a good history for the future or take the hit and cough up the bucks. Another option would be to take out a high interest loan and pay out the nose for it. I know its mean but its the truth..
  • Why in the hell would you NOT have a social security number? I'd be going back to the country I came from.
  • probably not. If you do manage to get one, the interest rates are going to be INSANE.
  • i have a 3.0 gpa in high school but am planning on moving to california upon graduation, i realized that its a lot cheaper if i gain residency there first (takes one year) and then go to the community college, (we would only be able to afford a comm. college here as well), i dont really want to be taking a year off just because i know the longer u wait the less of a chance u have of returning, so i was thinking if i get my gpa in nj or cali when i turn 18 and then move to begin residency time it would be smarter, but does that make me look like a crappy dropout??/ ah help please~!!! my birthday is at the end of december
  • States design the laws to make it EXTREMELY difficult to change your residency.... your plan isn't going to work and when you do enroll a year after moving, you will STILL be charged out of state fees. There is more to becoming a resident than simply living there. See below!! You also have to establish "financial Independence" as well as the one year living in CA, and if you read the rules carefully, you should realize that have to prove you are/have been "financally independent" for at least TWO YEARS before you apply for admission to college. "Financial Independence: Students who will not reach age 24 by December 31 of the year in which classification as a resident is requested, and who are not dependent upon a natural or adoptive parent who satisfies University requirements as a resident for tuition purposes,will be required to satisfy the University’s self-sufficiency requirement in addition to the 366 day physical presence and intent requirements. It should be noted that this requirement makes it extremely difficult for most undergraduates who do not have a parent domiciled in California to qualify for classification as a resident at a University of California campus. " When you click on the link about 'Finanical depenentce" it says you must: not claimed as a dependent for income tax purposes by his/her parents (1) or any other individual for the two tax years immediately preceding the term for which classification as a resident is requested; AND 3. Has been self-sufficient for two years (2). Self-sufficiency is defined as the ability to support oneself financially without the help of others. When determining self-sufficiency, money earned by the student through his/her own employment, financial aid and other loans (3) obtained on his/her own credit, without a co-signer, will be considered acceptable student income. Loans or gifts from relatives, associates, or friends, regardless of the terms, are considered financial assistance and cannot be included as student income when determining self-sufficiency; non-institutional loans or gifts made at or near (4) the time the student is enrolled in an institution will also be considered financial assistance. Funds that are given to the student by a relative, associate, or friend, through a college fund, savings, trust, or other financial vehicle, will not be considered an acceptable form of student income if the funds were established after the student’s 14th birthday (5). “Bartering” for free room and board, or other services or necessities is considered financial assistance. A student who receives free room and board from a relative, associate, or friend is not deemed totally self-sufficient.
  • Yes look at rural areas there are plenty of community colleges in safe areas. Hudson Community is highly regarded. Also cost of living is much cheaper as for rent. Many counties even have public transportation.
  • Arrow Financial is one of the worst collection agencies to deal with. They are bottom feeder debt collectors and they prey on you knowing the chances of you knowing your credit rights are slim. They will threaten you with law suits, change the date of last activity on your credit report and do most any thing they can to threaten you into paying the debt. Tread easy and dispute all information on your credit report that has been place by them. Keep detailed records and do not talk with them by phone.
  • Go to the website of Arrow Financial Services, they should have a link to your old credit card company. I say this because I had a MBNA account and Bank of America bought them out -- when I went to the Bank of America site, sure enough, they did have a link where I could pay my MBNA account.
  • The simplest thing to do is call the credit card company. When they sell the account they keep the information on who they sold it to. So when you call them they will give you the number to call or sometimes they will just transfer you to them directly.
  • 800-896-2743 talk your sob story and settle out for 50% or less
  • ‘Illinois’: French for ‘Just like Greece’ POSTED JANUARY 20, 2012 AT 4:01 PM BY CHRIS FIELD Comments (1) An editorial in today’s Wall Street Journal, “The Greece Next Door” [subscription required], makes a powerful comparison showing how the liberal progressive agenda of the Illinois legislature is causing the state to, well, look a lot like Greece — minus the fires and riots (so far — with the notable exception of Chicago, where a win by any professional team could spark a catastrophe in seconds). Quoth the Journal: Run up spending and debt, raise taxes in the naming of balancing the budget, but then watch as deficits rise and your credit-rating falls anyway. That’s been the sad pattern in Europe, and now it’s hitting that mecca of tax-and-spend government known as Illinois. Though too few noticed, this month Moody’s downgraded Illinois state debt to A2 from A1, the lowest among the 50 states. That’s worse even than California.
  • Illinois raises every tax they have on the books and they still have a big deficit. But in Greece, people are abandoning kids on the street because they can't afford to take care of them. So they're the worst, followed by Illinois.
  • California
  • I live in California but I think Illinois is worse from what I hear and see in news. Greece is the worse lol
  • California. They are bankrupt. It seems like you are in Juarez, Mexico. No laws are respected just like in Mexico. Almost everyone on food stamps and welfare, The Governor having babies with the governess and maids. Gays on the streets like Sodom and Gomorrah. Gangs and drug cartels fighting in the streets. Earthquakes , fires,and storms, oh my!
  • the roads are much worse in illonois
  • It is worth your time to fix your credit reports. A house can wait. These collection agencies tend to sue you. And having bad credit also affects other things: Employers check, so do car insurance/ home insurance companies (you'll pay more) Keep asking here if you have questions about fixing your credit reports. Make sure you have all 3 - not just one Get the other 2 at Annual Credit Report.com Sometimes creditors (to save money) only report to one bureau
  • NO THEY DON'T. BUT YOU'LL BE FINE WITH A SCORE OF 560. FHA IS VERY STRONG BECAUSE OF THE FACT THEY CHARGE MIP(MORTGAGE INSURANCE PREMIUM). THIS ENABLES THEM TO HAVE RESERVES IN CASE OF FORECLOSURES ETC. MAKE SURE YOU HAVE ALL LETTERS FROM THE VARIOUS CREDITORS YOU ARE DEALING WITH.
  • You get the same rate as anyone else in your situation (excellent credit). Mortgage brokers don't determine the mortgage rate, the Federal Reserve does that. All mortgage brokers will offer you the same rate, with different fees for their service provided. As of 4/15/2008, a 30 yr fixed is 5.4% and a 15 yr fixed is 4.96%. What you need to determine how much loan you can afford with that salary. California (you don't say which county you live in) is among the most expensive housing in the nation and ~ sorry to be the bearer of bad news ~ 42K (assuming that's Net) just won't get you much in California, regardless of credit. Good luck to you anyway.
  • It all depends on if you're a 'firs-time' buyer, if you will go FHA loan, of you have any $$ for a down-payment and so on. Talk with a mortgage lender. Get info regarding 'buyer' programs in your area. The lender can then pre-qualify you to see what you can afford to buy and review the rates with you. (Most mortgage lenders will not charge you for this service, with hopes of obtaining your business). Call around...ask friends or family to refer you to someone they have used and are happy with.
  • in the experience that your gf buys the valuables, then you rather 2 would have the prefer to make a 'have confidence Deed' to think with regard to the contributions which you would be making in the direction of the loan as you will have an overriding interest interior the valuables. i'd propose that in case you 2 did get a loan, then it would be smart to no longer purchase a 'larger homestead' merely in case you cant arise with the money for the payments interior the long-term
  • My family was heavily effected by the stock decline in 2007, we lived in california and we had invested everything in my dad's company. Now we live in Massachusetts we all have steady jobs and medium wage incomes, but our credit is pretty badly scarred. Is there a proggramme that allows people with bad credit apply to rent appartments? We've been looking really hard and we've only been able to rent houses and duplexes from the owner. We would like to cut down on rent expenses and go for a cheep 700$ a month appartment. I really need help here, guys.
  • Post-dated cheques with first and last month rent paid upfront.
  • this is landlord specific. Some real estate companies manage rentals. You could try to rent through them or see if they can point you in the right direction. Negative info from 2007 shouldn't really be hurting you too bad right now.
  • I don't know of a specific program that helps people in your situation, but as a landlord, I am always ready to consider someone with good income and a past letter of recommendation from previous landlords. I know a lot of people have been hit with tough times.
  • I am interested in joining the coast guard, and eventually going to try for CHP. I used to be in the local sheriffs department explorer program, and I had the opportunity to see the sheriff selection process being done. At one point the man in charge(A former Marine) said "take a step forward if you are prior military." Alot of guys stepped forward and then the man said "If your service was in the Air Force, get back with the civilians." Hearing this really ticked me off, and I decided that I didnt want to join the sheriffs department even if my service wasnt in the air force, because I feel that if anyone sticks their neck out to serve the country they should be recognized for it. But I am looking into joining the Coast guard and would like to know if CHP has any similar prejudice. Thanks in advance.
  • Local sheriffs are not the CHP. Smaller sheriffs offices are notorious for their poor management and hiring methods. If you are related to the elected sheriff you are in and likely a detective in a year, no matter how dumb you are. On top of that what you said he did may have just been a bad joke on the guys part Does California Highway patrol give credit for coast guard training? No Let me put it this way, excepting the age problem If I, a commissioned police officer with 29 years experience including as a detective and as a sergeant would apply to CHP they would not give credit for my police training. I would still have to do their complete academy program. Now Coast Guard is no longer considered military service because under Bush II they were taken out of the military and placed with Homeland Security. They are considered part of LE but not with the same job description as police or traffic enforcement/investigation people. Not that it makes any difference. What you learn in the Coast Guard any other program or job that puts yo in contact with people will help you be any type of LE officer, even a traffic guy like a CHiPee. (My prejudice showing, do not think orgs like CHP are real law enforcement like police are, backed up by command staff at CHPD telling me the same thing at different times). CHP does not require any education beyond HS but they do like to see, more than they like to see and military service, some college and an ability to communicate well.
  • Simply to clarify some points a bit of... The CG is presently in Iraq, Afghanistan and Bahrain along with several different locations around the world. There are instances where the CG has obvious combat motion in latest years. In prior years they have been the river rats in VietNam, they were those that drove relatively some of the troop transports that left soldiers on the shorelines in WWII. They have been in WWI, Korea and every different struggle this nation has been in and will proceed to be involved on whatever degree is needed. Yes, they do look after the coast. Additionally they go round Cape Horn, the Cape of fine Hope, via the Panama Canal, up into the Arctic ice, down to the Antarctic. My son has been enlisted for roughly 2.5 years and he has been to 12 foreign countries. My ex-husband is a Captain within the CG, he has been to over 20 countries, including Russia and a year tour in Iraq where he earned the Bronze big name. So people who say they do not venture to far from the coast of the U.S. Are one hundred% inaccurate! The CG is now and will continue to be international.
  • Check Ebay and Craigs List for your area. Also, check out this site called Cars for Causes. http://www.cars4causes.net/ Their site states that they provide lowcost transportation especially for people who need just that, transportation. They may be able to help you out. They also sell donated cars through a special ebay site, but it's in California. Yard sale ads? Auctions? Local salvage yards? Salvation army? Goodwill? Put an ad in the paper saying will work for a second hand vehicle. Or get a bike while you save money so you can just buy a car outright. Best of luck to ya.
  • Recommend you go to your local credit union and see what they can do for you. They provide better interest rate than the dealership can. Most banks will require a monthly income of at less $1,500 and 15% of that for a car payment. They also will look at your credit score to determine the rate you will get. Hope this will hlp you out.
  • A new car?? You might get a used car IF you have money to put down. How young are you? You must be of legal age.
  • You can also apply for donated vehicles on websites such as http://www.onlinecardonation.org/charity-help.htm
  • try the buy here pay here dealerships
  • welllllllllllllll see mom and dad
  • Rent a room in a weekly term motel. No credit or background check.
  • This is a rough situation but your abusive relationship that you chose to stay in will not sway a management company into letting you rent from them. Perhaps you could sublet a room from someone.
  • u can't have had 3 evictions because of an abusive anything; when someone is touching you, you get a court order for a RESTRAINING ORDER. --- if you accept someone who is intermittently hitting you, ............wow but what has that got to do with bad credit--that is him not paying......... or did he force you to sign on each lease? get counseling and ask a church for help
  • go to local women's shelters for local help. financial and others.
  • Short Sale in much better. Foreclosure is on your credit for about 7 years.
  • Ben O is correct. "Deed in Lieu of Foreclosure" is same as foreclosure.
  • Your credit score doesn't really matter, it more matters what your down payment is. It's best to have 1/3 of the vehicle msrp down in cash for bad credit or no credit. American car dealerships are much more desperate than asian car companies, so if you are searching for a deal, ford and dodge are far more likely to cut a bargain than say honda or toyota.
  • Always. The landlord I manage for requires either a cosigner or a double deposit. Just depends, so you'll have to ask.
  • Yes, for the decent places. No for the slums. Decent places will require a higher down payment and a co-signer. They also may just reject you, not wanting to bother with a co-signer. I personally would not rent to you, whenever I rent to someone with bad credit they try and screw me and we end up in court. Altough I always win in court and garnish the co-signers wages it is not worth the trouble, I have to go to the court house 3 times before we even go to trial and then it is luck that I am always LAST and have to sit there all day long. PIA
  • Usually yes. Especially when they have multiple applicants. I'd rather rent to a tenant with good credit than than one with poor credit.
  • Not all, but most are.
  • I live in California and on Monday my son and I were in an accident. It is the other drivers fault. We were not injured have some soreness and back pain and thats it. However, the car is totatled. Insurance is awaiting for lein holder information from us to pay off our loan. My problem lies in this. We will get aprox 10,990 our loan payoff amount is 10,086. This leaves us around 900.00 to obtain a new vehicle. Is there anything I can do or say to get more money. I mean we have had this car for about 14 months so between those monthly payments and the down we have done a good 5,000. 900.00 is not going to get us very far towards obtaining a new car. We need a decent down payment. I don't want pain and suffering or any BS I just want my life back where it was (with a decent car). The worst part of this whole BS is we just decided to file for BK due to overwhelming bills. So now we have little money and bad credit how are we supposed to get a car? We have two children and both work. SO please anyone who can offer sound advice I would very much appreciate it!
  • There is not much you can do. the insurance is only going to reimburse you for the value of the car. And is your credit is as bad as you state - nobody is going to give you a loan anyway.
  • There is nothing you can do to get more money. The insurance will only pay out what the car is worth. Be grateful you are getting as much as you are. Some people who have their car totaled owe more on it than it is worth. They have to pay out the difference of what their car is worth and what they owe and have no money at all for a replacement.
  • Derogatory items stay on your credit report 7-1/2 years from date of first deficiency, no matter how many times the debt is sold. Nothing restarts this clock.
  • That is what California gets for electing a tax and spend Governor.
  • He moved Gray Davis stating his policies were bad for the state and now runs CA on the same principles. Increasing taxes is not enough to balance the budget. We need an independent, not a right or a left governor to run this state. We need someone who has lived in this state for a while and understands the real problem, not a Hollywood fictional character. Hope Californians will realize this and vote thoughtfully next time.
  • No, that title is reserved for Little Ricky "Let's Secede" Perry of the great state of Texecution. Execute the innocent, inoculate the children and get science out to the science classes - this guy is the best. At least I'll be long gone from this hellhole before his next term, if the fools in this maniac's paradise reelect him, is up.
  • He is tied with Doyle in WI who sold the office to the Indian Casinos. We now are laying off state employees.
  • Governor Arnold Kennedy Shriver is the worst liberal democrat ever elected. He is a complete moron, but lives up to the Kennedy tradition of destroying economies, red ink, debt, and destruction and groping women.. I'm sure the Kennedy family is just sooooo proud !
  • George W. Bush was actually one of the greatest governors, thats why he was elected President, later disavowing his conservative beliefs becoming a moderate puppet. And yes Schwazreneggar is one of the worst for calling himself a Republican, when he further destroyed the state with leftist socialist measuress
  • Him and all other govt leaders in California! Arnold is basically a democrat- he can only do what the people surround him would do and they are all liberals!
  • Doubtful. Texan
  • Yeah, he's gotten HORRIBLE as his time runs out. I can only hope that Tom runs next time-although he said he won't. :( NO on 1A-1E fellow Californians!
  • Nope. That honor would go to former Governor George W. Bush of Texas.
  • Section 8 renters still have to have decent credit. Being disabled, a senior or low income does not mean they do not pay their debts.
  • Section 8 renters still have to have decent credit. Being disabled, a senior or low income does not mean they do not pay their debts. for more info u can visit www.95acres.com
  • They want to make sure you didn't rack up 200,000 dollars in debt and then file. When they ask you about it just say yes and that will be that.
  • Not paying your bills is stealing. They are judging your character. A low credit score isn't an indicator as much as just not paying.
  • I think you should visit the nearest Dental specialist to diagnose about your teeth whats the really matter is and ask them about the great services in discount rate.
  • Sorry to hearken to of your disaster. What we evaluate of as an 'implant', is 3 separate aspects: the implant which fits into the bone, an abutment, which attaches to the implant and components a sort and help for the a million/3, that's the crown. could you spot an advert saying £3 hundred in line with implant you may envision do they recommend purely the bit interior the bone or all 3? Do they fee extra for the examination, x-rays, and diverse products, or is it an all in fee? you in all danger able to get the artwork achieved greater affordably by using way of traveling to yet yet another united states, yet then you definately have commute expenditures, and there is the risk that in case you have themes you will could return a number of activities. without seeing your mouth it somewhat is amazing to furnish concentrated advice, regardless of the undeniable fact that a compromise determination might greater healthful you greater appropriate. there is something standard as a Maryland bridge, the situation a metallic plate is caught onto the back of a tooth on one area of the hollow and a faux tooth is hooked as much as the metallic. From the front evidently as in case you have an entire row of tooth, it is so small which you do no longer become attentive to it there after an afternoon or 2. on the down area, it somewhat isn't any longer as helpful as an implant, and ought to become dislodged by using way of the forces of eating, so must be recemented often times. additionally you additionally can discover a small tinge of gray, when you consider that the of the metallic. when you consider that the of the fee and simplicity, you will get an NHS dentist to try this manner of, and you does no longer have have been given to pay while you're exempt from fees. while you're no longer exempt you will possibly be able to pay approximately £210. in case you do no longer purely like the muse of the gray tinge, you might have a plastic bridge made with an identical form to a Maryland, privately and that would fee £3 hundred to £500. What you need to attempt is being cheeky and phoning around practices to locate if any dentists are undergoing preparation courses in putting of implants. for people who've been arranged to be considered one of their 'education' situations you will get an implant low-fee. The project of the tooth, surrounding bone, and condition of your mouth could all could be appropriate as a 'preparation case', regardless of the undeniable fact that. solid fulfillment.
  • No grants for this. Anything you find online will be 100% scam. I would forget about starting a gym. This is seriously risky. It can take 10 years before you pull a profit from a business like this. Easily - ask any gym owner. Continue working. And continue saving for your retirement.
  • -0- No basis to make you a business loan. And there are no grants for these things.
  • Do I have the worst life ever, or do you even have it worse than me? I have live in a prick sized apartment for all my life, I have rarely any clothes (all my clothes are s.h.i.t.y quality), I live with stepmom and my dad that I hate (my stepdad's rearly around and I hate my stepmom and I never seen my real mom), I don't have a phone (I'm 17 btw), I don't have a car, I don't have a debit/credit card, I don't even have my own room (my apartment is really small), I go to a school 30 miles away, my dad won't let me get a job, I don't have a computer and no internet (I'm at a friend's house), I live the the most poor, broken down, s-h-i-t-y part of Bakersfield, California, most of my relatives died already (cousins, aunts, uncles, grandpa, etc.), I have many health problems like high blood pressure, high cholesterol, diabetes, asthma, liver problems, amnesia, ADD, ADHD, Insomnia and depression, we're so poor that we can't even afford a TV, a refrigerator or a car and on top of that my dad is loosing his job and in debt so we might loose the apartment and have to live in the streets
  • The people that have it worse than you don't have a computer or friends to share a computer. You should walk to help lower your blood pressure and diabetes, but I bet you let your asthma be your excuse why you can't (I do). It appears lifestyle plus hereditary have effected many of your relatives' health. You are focused on all the negative things. Maybe keep a notebook of positive things, can you think of any? I bought my first car & phone in my mid-twenties. I didn't have a credit card until after I got married. My son got his first debit card at 19, only after his first job. He still doesn't have a credit card. I know teenagers that live in cars because their family was evicted, or got divorced. Your situation is crummy, but unfortunately can get worse.
  • Just studying those solutions are going to deliver me a nightmare taking into account if those musicians shaped a band. Worst Vocalist: Chad Kroeger Worst Drummer: Meg White (Although I do like The White Stripes) Worst Bassist: Nikki Sixx Worst Guitarist: Herman Lee
  • not the worst ever, there are many people living in complete poverty. at least you have clothes and currently a roof over your head
  • Get over yourself. Why don't you stop complaining and go and try and make your own life better.. That's on no one but yourself.
  • I feel sorry for you :-(
  • I am not in foreclosure yet, but I recently lost my position and we have very little savings so I don't know that I will be able to save my house. We just got into our home in July and then my company lost a major account and I was out of work. I am doing sales now, but that is commission based and slow to pay. I have no equity in my home per se, and i live in California. I guess I'm wondering with the market the way it is, it might be better to walk away and try again in a few years.
  • Sell ...it's the only chance you have....otherwise your credit would be destroyed for a long time....you wouldn't be able to even rent in a good place.....you would end up in a crimeridden roach infested motel somewhere. Good luck.
  • How bad is it? Very How can you avoid it? Sell the house or pay the mortgage. Get an evening/weekend job to bring in extra money and keep looking for a better job. Make sure you cut all non-necessary things out of your expenses. This basically means anything other than water, electric and basic food. Everything else should go.
  • CALL YOUR LENDER....THEY DONT WANT YOUR HOUSE BACK...IF YOU ARE WITH B OF A YOU ARE IN LUCK...THEY WILL DO ANYTHING THEY CAN TO AVOID TAKING YOUR HOME BACK...IF IT IS ANOTHER COMPANY THEY MAY DO THE SAME THING......IF ALL ELSE FAILS AND YOU SEE NO WAY OUT YOU CAN FILE A REORGANIZATION THRU BANKRUPTCY...THIS WILL ALLOW YOU UP TO 5 YEARS TO CATCH UP, BUT YOU MUST PAY YOUR CURRENT MONTHLY PAYMENT PLUS A SMALL PORTION ON THE BACK AMOUNT.......AS A LAST DITCH EFFORT AND YOU WOULD RATHER GIVE IT BACK....TRY SELLING IT FOR THE BALANCE ON THE LOAN....LIST IT ON CRAIGSLIST ....ITS FREE OR IF YOU WANT JUST A LITTLE ABOVE, TAKE THE EXTRA AS A SECOND WITH A DUE DATE OF TWO, FIVE YEARS OR WHATEVER TERM YOU AGREE ON...HAVE THE BUYER PAY ALL CLOSING COSTS....YOU MOVE OUT, YOUR CREDIT IS SAVED.....THE SECOND ON THE HOME MUST BE SATISFIED BEFORE IT CAN BE RESOLD...SO EVEN IF THE PERSON WHO PURCHASES THE HOME FROM YOU DEFAULTS, THE MORTGAGE COMPANY MUST PAY YOU OFF BEFORE THEY CAN RESELL THE HOUSE....IT IS A WIN, WIN FOR YOU.
  • Dude. You are in CALI, so you KNOW you have an oppressive mortgage given that you don't have any equity. I have three recommendations. 1) Sell 2) Sell 3) Sell. It is no used rearranging the chairs of the deck of the Titatanic when you know full well it is in the process of sinking. And don't ever forget that real estate in the South is HELLA CHEAP when compared to CALI. You don't have to defer the dream if you are willing to leave a housing bubble environment.
  • take summer school. talk to your counselor. take an extra class in the morning, like a zero period. if your missing credits for history, math, science, or english, you might be able to take those classes instead of an elective so that you don't have to take those over the summer. and work hard!
  • night school--go ask your counselor or you'd be struggling senior year. if youre doing so bad in school, you might wanna worry about the hs exit exam as well. get on the ball.
  • 4 years on credit card debt... http://www.creditinfocenter.com/rebuild/...
  • We are a little worried about a credit check mostly because our credit is not very good due to bad decisions early in our marriage. We can provide for a child and keep a good home but the mistakes follow us. We were mostly wondering if it one of those deals where they check your FICO as if you're buying a car or a house. We know that it is a large responsibility but we can provide for us a child and our home.
  • What kind of adoption are you talking about? In adoption from foster care, you will be asked for copies of your last 2-3 years' tax returns and you will have to fill out forms that detail your living expenses. You will also have to provide copies of your most recent pay stubs. They aren't looking for you to be extremely wealthy -- just that you have enough money to provide for the child(ren) you adopt. I don't know how things are done in an agency adoption/private adoption because I would never adopt privately or through an agency. Corruption is rampant and it equates to nothing more than baby-buying and selling in my opinion. My advice? Steer clear and go with foster-to-adopt in your county.
  • Yes. Repetitive credit boo-boos are a sign of a bigger problem. Its called responsibility. If you can't pay your Kohl's charge, chances are you cannot afford a kid.
  • California's bad economy is caused by Americans maxing out their credit cards/getting loans/cars/houses, and not paying them off. There's also a huge budget deficit that is caused by over spending of the government.
  • Prop 13, which passed in the 1970's.
  • Credit Scores Below the National Average Nevada 668 Texas 670 Mississippi 672 Louisiana 674 South Carolina 674 Georgia 677 New Mexico 677 Alabama 680 Arizona 680 North Carolina 682 Washington DC 682 Arkansas 683 Florida 683 Oklahoma 685 West Virginia 686 Tennessee 687 Kentucky 688 California 690 Alaska 691 National Average 692 http://www.money-zine.com/Financial-Plan...
  • Easy one for me. Until the swearing in ceremony last month, the state of Alabama has been run by Democrats for the past 136 years. If you don't believe me, look it up.
  • There may be Conservative governors of those states but liberal Democratic spending at the states congressional levels is what is causing this. See, Congress either approves or rejects spending bill. But you get an E for effort.
  • Liberal social programs cost all the States.
  • Since a family of three making $15000 per year has more spendable income than the same family of three making $60-grand, I suspect there must be fewer welfare recipients there.
  • It is hard for conservatives to pay their bills with the little they get from disability and welfare.
  • They pay with cash and cannot get a good rating because of the lack of credit history and the low amount of debt they carry.
  • last time I looked, California and Nevada were 'blue" but I won't even bother to tally up what apparently you failed to:
  • Because they have hearts and probably cosigned on a loan for a irresponsible nonworking liberal..
  • Probably because they are not suckling on the government's teat. Your list is flawed as well since some of those states listed are violently blue.
  • I am a high school sophomore and I am taking Math 3 and not Algebra II like my friends, does this class count for class credit, I know it is for people who are worse at math, I have to take math 3 this year and math 4 next year to complete algebra 2 for me which, for other students, they will finish algebra 2 in one year. So I can't take pre-calculus next year, because I have to take math 4 and I will have to take pre calculus in senior year, is that bad since all the otehr students will be able to do pre cal then do other advanced math.
  • I'm a sophomore in California who isn't in Algebra 2 as well and I'll probably have to take Pre Cal in senior year too. We are at a slight disadvantage compared with those kids who are ahead of us in math but it's not necessarily bad. Colleges will care most about you completing requirements and taking at least 1 class that's above or higher than Algebra 2 :)
  • Ask your guidance counselor. They'd know better than any of us on the Internet.
  • hummm that sounds a little under handed I'm not really sure?? I mean surely not legally!! However what if that made the credit card over the limit which in turn triggered massive late fees and a higher interest rate for the remainder of the card life. I don't think i would try that and if it happened to me i know i would be madder than fire because in this day and age you never can tell the reason someone got late. Maybe they lost their job and don't have the money to pay the credit card bill when it comes in the mail, or maybe they are away on family business and plan on catching it up when the return. Always prepare for the best and expect the worst.
  • Besides your criminal record, it's pretty common now to check your credit report, so unpaid delinquent debts are very negative for you (the more delinquent debts, the worst for you).
  • The question should not be who makes extra, yet what you will opt to do. with time beyond regulation, any uniformed regulation enforcement officer in california (in a huge dept) would be making on the brink of 100k a 300 and sixty 5 days after the academy. Many sherriff's departments require deputies to do a excursion at a facility for various years till now they are eligible to rotate to the line. actually which skill you're a correctional officer from everywhere from 18mos to 5yrs counting on the dept. Granted there are some sheriff departments that have correctional officers to fill this place, yet they seem to be some distance and few between. l. a., Orange, Alameda and Contra Costa counties for occasion all require new deputies to cycle via a reformatory for a on an identical time as till now they might pass on the line and those are super departments. San Francisco Sheriffs branch is ninety 9% correctional artwork, yet they are an anomaly in CA. in any case, some deputies like the alternative of having the flexibility to artwork the line or reformatory. That works for some human beings, yet reformatory artwork became a huge turn off for me. CHP on the different hand is ninety 9% parkway artwork. in assessment to different state police (ie, long island, VA and NJ for occasion), CHP isn't an entire provider regulation enforcement company, because of the fact of this they are not the conventional investigative company for the state. CHP has extremely few plainclothes assignments and their investigative units are venture particular to site visitors/motor vehicle subjects. in case you ever aspire to grow to be an entire time detective, you're extra efficient off starting to be a particular agent with the california bureau of examine. basically meals for concept. the prospect of spending my entire occupation on the line in uniform is why I not at all opted for the CHP, yet to each his own. CHP is likely one among the main advantageous companies interior the rustic, basically no longer my cup of tea. Sorry to ramble, yet backside line is that the advantages are commonly the comparable around the board in CA. you are able to desire to word of what you're getting your self into and pass with what you truly want. when I got here out of school, i became concentrated on larger police departments and investigative companies and it worked for me. i comprehend adult men who went with whomever became hiring and have been depressing with their first jobs.
  • That person don't mind about the salary that he gets. Minimum wage is fine. But that person don't drive and has a CA driver's license. I saw Walgreens has an inclusion program for the disable. That is fine, too. But how do I get started with it. Can you recommend some things? He is not so talkative and able to socialize, therefore, he is not so good in interviews. That person is in San Francisco, California.
  • My work hires disability "mental" ones for cleaning the meat room floor and trash. A job ill never do
  • thats realllyyy good..most people hav 2 at the most
  • That actually is pretty good. Most classes either have 3 or 4 credits, and the maximum classes that you can take in a year in most 4-year high schools is 6. So, depending on the school, each year you're supposed to get either 18 or 24 credits. The fact that you already have completed the worth of almost two years of an advanced high school is impressive.
  • Yes. That would be called dropping out if your school doesn't have that option, and you will likely not get into college because they won't give you a diploma since you didn't officially graduate. If a good college is your goal, then I would suggest taking some AP courses, especially in science and math. Colleges love seeing advanced classes on your record. Don't just go for the bare minimum, challenge yourself a little. After all, AP classes give you credits in college, and unlike in high school, most colleges DO allow early graduation. Another thing to keep in mind is that every school across the nation may have dfferent graduation requirements. My high school requires 28, and my cousin's school in California requires 32. You might be ok to graduate with 22 in your state, but if you want to compete with other students from other states for college, it's best to get as many credits as you can. You are SO lucky to have that many left over. Even if you don't go the advanced route, you could always take interesting classes you like, or see if your school has a work study or off-period program where you can get a part time job and earn some money while still being enrolled in school. Just don't waste those four hard years of education!
  • It all depends on the schools your applying to. I would recommend that you stay, because some colleges think that your lazy for doing that. I had early release last year and when I applied for schools they ask me what I was doing that made me choose to have half a day. Just my opinion. Good luck this year.
  • do a summer season path or sign up for an web residence institution I've heard that the Ontario issued application is particularly tough even though, however there are individual homeschooling web sites that are quicker and less complicated (i pay attention), however simply be certain that you just signal up for one that's accredited by way of the federal government of Ontario.
  • Ok I'm 17 and a Jr at California I'm stressing out because I haven't gone to school in about 3 weeks because well I hate it! I try to be at school the less time possible.. I hate being told what to do (teachers) and I hate all the stupid immature people and tomorrow I wanna ask my counselor what options do I have to graduate. But I have a feeling she's just going to assign me an after school program which I don't want I was thinking GED test or independent study? Idk what else there is for me.. but how do I ask for the GED or request to do independent study? I need info on both for example how fast will I get my credits because I only have freshman credits..help!
  • Basically, you're done. You can't even get burger-flipping jobs because they've mostly been taken by illegal immigrants. The only option for you is to lose weight and find a decent husband. If nothing else, you can be a good homemaker.
  • You can get a GED. But you need to have some knowledge to do that. You need to try your best to graduate, have a serious talk with your counselor and realize your a junior, it's time to get serious. Unless you want to be flipping burgers your whole life, you need to start working. You still have a little time left.
  • Online classes. Also school drama is a part of life, grow up.
  • You can add him w/a quit-claim deed, but beware, this might be against your lenders terms in the note, and it does give the lender the right to redeem the loan in its entirety for your violating their terms...read the note and make sure. Also, Im on the east coast, so check with an attorney to see if that's legal in CA.
  • In California we use quit claim deeds to add people. The lender will not call the loan due because you are still on title. However, depending on how you hold title, it could have adverse affects should you two have personal problems later down the road. Make some type of deal between yourselves on paper that addresses what will happen to the property if one of you becomes disabled, dead, divorced (hate to have the ex-spouse come after the home) or wants to depart from any responsibility of the home. Since you are on the loan, you are placing yourself in a bad position because only you are liable for the debt while your brother in law has rights of ownership to the property.
  • I used to be a mortgage broker and as far as I know, you can do a simple title transfer to add a name to the note. It would be a different story if you were trying to remove yourself from the title. This is because you are still the primary borrower and are therefore responsible for loan repayment. Most lenders ignore a bad credit score of a co-borrower because in the end it is the primary that has to repay the loan. Laws vary from state-to-state, so I would contact a title attorney. They may be able to answer your question over the phone for free.
  • A Quit Claim Deed (or Bargain & Sale Deed) will do the job. Check your mortgage, however. Many have clauses that make the entire amount of your loan payable immediately if you change the title without their authorization.
  • I attended Baylor University for a year and a half, acquiring 37 hours with 2.3 GPA (I know, BAD). I wanted to use the Transfer agreement between the Community Colleges and the Universities in California, but was wondering if it would apply to me, and plus, by the time I got my associate of Arts, I'd have upwards of 90 credits. So, those this mean this system does not apply to me? Thanks.
  • It can apply to you, as long as you have more than the minimum GPA required and have at least 90 credits that are transferrable to the UC. When I looked in to this (i almost signed one back in community college) my advisor didn't mention anything about a limit for UCs, so I don't think there is a limit. The key requirements are that you complete certain classes, in a certain order and that should be listed on the information thing. I think you can only do one with the UC though. Ask the community college counselors for more information.
  • as far as I understand from what i grow to be counseled it facilitates, yet in basic terms in a minor way if somebody nevertheless has say a suited 4.0, community provider, and so on. they're going to chosen them over you nevertheless inspite of a family contributors member working there.
  • are you queer?
  • Schwarzenegger wants to cut #1, assistance to seniors, #2, school spending, #2, employee holidays, saying that the Dems $18 billion budget submission "didn't go far enough." WHEN WILL PEOPLE STOP VOTING FOR REPUBLICANS? Seriously, an almost painless way to help alleviate the State's budget problems would be to raise the State tax on gasoline from its current 18 cents per gallon up to 25 cents/gallon. That is only $1.40 extra to fill a 20-gallon tank and would generate many billions of $$ per year. BTW: California was the ONLY State that got a passing grade from the Education Dept. for affordability' they got a 'C' based mostly on the low cost of its Community Colleges, which charge $20 per credit for State residents. WHAT IDIOT CUTS EDUCATION SPENDING? A Republican, it seems!
  • I know what you mean. It's sad how republicans declare themselves as fiscally responsible yet are always a complete disaster. Here in California the republican politicians are not going to budge to raise tax revenue. I guess they have a never ending illusion that they can get something for nothing. Sadly, it's the poor that most suffers from their cold heartedness.
  • Only in CA is Schwarzenegger considered a Republican. Anywhere else he would be considered just another liberal democrat.
  • How about the illinois Governor?
  • Yes and I can see Russia from my window.
  • CA has been a mess for a long time. Much longer than Arnold has been in politics. If you want to discuss dupping people you should consider the DNC and their supporters.
  • What!? Democrats just elected the king of empty slogans! Obama literally says nothing - he just says it better than anyone else.
  • The mess is why he ran. It was there before him.
  • Utopia supported by taxes and fees, not a Republican idea, sorry!
  • Alright, so I moved to a different country and due to a lot of personal problems, we dont have enough money for school. I don't speak enough malay to go to local schools, and cant afford homeschooling or private school. I am really worried, and I'm moving with my friend in california at december and we'll have lots of money by then My question is, how will i make up the credits? The high school im going to doesn't have summer school, but there is a community college near by. If I take classes there during the school year and/or during the summer, could i make up the credits? Or will I have to repeat a year? Please help, thank you :/
  • Talk to the people at the school you'll be going to. Not us. They may offer make up work or be able to refer you to summer classes at the community college. Ask if they offer Post Secondary Enrollment Option PSEOP, or your states version of it. That's where you take college classes and get high school AND college credit at the same time. If not, you may have to repeat the grade. Worse things have happened, and plenty of kids would be willing to graduate a year late to travel the world.
  • Same things happening to meee. :o I'm hoping the school gives like, makeup work or something. Gotta wait and see I guess/:
  • Uhh...I dunno what to say. Im only in 7th grade xD Sorry.
  • I am Mr. Roberts Keegan, and I am ready to help you. I am a private money lender, Are you in bad credit? Does your financial standard need refurbishment? I operate a registered and government approved financial institute. I give out loans to companies and individuals for 3% interest rate to individuals between the range of TEN TO A HUNDRED THOUSAND POUNDS (GBP), while to Co-operate body, FIFTY THOUSAND TO FIVE HUNDRED THOUSAND POUNDS (GBP). I give out local and international loans to any body in dire need of a loan, and that is willing to repay the loan, all over the world. I give out loans via account transfer or bank certified check to what ever country you are. I am not a bank and I do not require much documents. If you are interested in getting a loan from our firm. You can reach us via (robertkeeganloancompany@live.com) And please I am very sorry if this information came to you as a shock or invaded your privacy.
  • From http://www.zimbio.com/Keyword+Content/articles/4/Requirements+Become+California+CPA, I learned that Experience requirement. The CPA candidate must have work experience in the following areas: (1) Planning an audit (2) Performing a variety of audit procedures (3) Preparing working papers associated with an audit (4) Preparing written explanations and comments on the audit (5) Preparing and reporting on financial statements. It also says that I have to be an 'employee.' That means, internships can't be counted as an experience?? I am an international student, studying accounting. I really want to get my CPA done as soon as possible. But I am afraid that I won't find a job when I graduate. Don't have an excellent GPA neither. Any suggestions?
  • Internships do not count, since you are getting college credit instead of actual wages. Also, it is VERY difficult for international students to get employed because you will have to find an employer willing to sponsor you. That is bad for two reasons: 1) It is an additional cost that they will not incur with a US citizen, and 2) Companies are more interested in hiring American students in these rough economic times rather than employing the citizens of foreign countries while the US unemployment rate is 10%. Even is an internship DID count, you would not have enough hours for your license. I graduated from an Accounting program in California what was VERY heavy in international students. I honestly do not know of ANY who were able to find a job easily after college.
  • Job hunting can be a tough task in itself, especially if you're not used to it. I was having a hard time with my job hunting in recent times until I unearthed the site in the box below resource which has some fantastic tips and tricks for job hunters. After following their helpful advice for a couple of weeks I scored myself a fantastic job.
  • Requirements to become a police officer vary and how you become a police officer varies depending on the police department. Visit the websites of the police departments that you might be interested in working for. Police department websites often provide information about their applicant requirements, about how to apply, and about their hiring process. Some relatively common minimum requirements include having at least a high school diploma or ged, being a citizen, being at least 21 years old, having a valid driver's license, and having no felony convictions. Some relatively common steps in hiring processes include application, written test, physical fitness test, interview, drug test, medical examination, and background investigation. If you want to become a police officer, you should consider getting a college degree if you don't already have one. Getting a college degree is one of the best things that you can do. Many agencies require or prefer applicants to have college. Many applicants have college. Having a degree could help you get hired with some agencies. Some agencies pay their officers more if they have a degree. Having a degree could also help you get promoted during your career. Some police departments will hire you, and then send you to the police academy. You should consider trying to get hired by a department that will send you to the academy. This way, you would already have a job and be paid while attending the academy, and you would not have to pay tuition to attend the academy. Some departments require applicants to have already completed police academy training before being hired. Some police academies will accept students that haven't already been hired by a law enforcement agency. In this case, you pay tuition to attend in hopes of getting hired after you graduate. However, you may or may not get hired after completing the academy. There are more than 30 basic training academies in California. Some accept students that enroll themselves, and some don't. Also, not everyone is accepted. Every individual applying to a basic academy must complete a criminal history clearance. If the criminal history reveals a felony conviction, you will not be allowed to enroll in the course. Many academies administer a reading and writing test to determine the likelihood of succeeding in the training, however, it does not preclude enrollment. Visit the California Commission on Peace Officer Standards and Training website. Getting police officer jobs is becoming more and more competitive. Do whatever you can to make yourself the best candidate that you can. For example, don't do anything illegal, maintain a good reputation, keep a good driving record, don't get bad credit, improve all of your communication skills as much as possible, practice to improve your observation and memory skills, and become as physically fit as you can. How well you do on written tests and during interviews can be very important when trying to get police officer jobs. Make sure to prepare for any tests and interviews. Consider local, state, and federal jobs. Best of luck!
  • Uh... ANY kind of tax lien is BAD! And, I mean BAD! Do you have a lien because you have not filed or because you just have not paid? Either way, believe me, they will wipe out your bank account...and garnish your wages. I know federal doesn't have to get any court order or anything. They give you a 30 day warning about your tax bill and then start coming after assets/income/bank accounts if you ignore them. You would do best to contact them or get yourself a decent enrolled agent, CPA or tax attorney to help you navigate your way though this maze. Believe me, it is NOT going to be pleasant or pretty. The IRS whether state or federal are BRUTAL when it comes to those who are not meeting their tax obligations. I have been where you are with federal taxes owed. They took 50% of my income since I am self employed. It was pure hell to work through, but it can be done.
  • If they desire they can come and take everything you own down to one change of clothes, joint property is taken as well
  • Not a bad person huh? I guess stealing a credit card and using it is just a not issue Credit card theft is a felony, credit card fraud is a felony (He committed fraud when he used the card) The United States Secret service investigates these kinds of thefts so he is now dealing with a federal law enforcement agency, and he will do some time up to 10 years where he can be a nice fellow in prison
  • My husband and I are owners of a home with my parents that is currently trying to be short saled (in California). We have heard from several different people that if the house goes through a short sale or even worse a foreclosure that he will have no chance of getting into a police department. Does anyone have any experience with this? We have really good credit otherwise. He is looking at departments in California and Colorado.
  • A credit report is utilized by large departments, if in fact your house is foreclosed on your husband should apply to a smaller department and after gaining experience apply to the larger local or state departments, the number of active police officers who are under going foreclosure at this time would preclude any department from taking a harsh look at this type of failure.~
  • Try using: http://DebtAnswersNow.com I used their service a couple months back and they consolidated all my debt and lowered my total debt 40%.
  • I've saved up $12k. I want to save more for plastic surgery as well but I have always wanted to own my own condominium. I've worked part time Jobs and now my job is full time while in school for Business Administration. My parents are Nigerian immigrants, imperfect with flaws but I am hard working and determined to become as great as I can be. I've saved and in the Palm Springs of California, I was approved of six different condos although I live in expensive NYC. I want to move out of here. My credit score is 720 which was just released as Excellent. Is this strange for a 20 year old? None of my friends are aware of my financial situation, so they don't know but they're nowhere in the position I'm in to purchase or start paying towards a home. What are your thoughts?
  • A Condo is a crappy investment. Why not Rent and just continue to save money?
  • Cough gold digger
  • Not bad. Just curiously unremarkable.
  • say something in Yoruba or Igbo or give me some Nigerian slang real quick so I know this is legit..
  • WTF do you need plastic surgery for? You know thousands of people go under the knife and die? Why would you risk that??
  • The landlord and I came to an agreement that I would do work for him in exchange for rent like painting the house I live in and putting up his shop where he is building his new house, anyway this past Friday he asked me if I would drive dump truck for him to haul dirt for his pad for his new house which I did. then after we were done he asked if I could do it tomorrow I told him I wanted to got to the snow,anyway things didn't work out for me to go to the snow cause the kids were fighting real with each other so I stayed home and dealt with the kids., so today I go to his shop and talk to him and in front of his employees he starts yelling that he wants me out,[worst part brother in law works for him] I tried to talk to him but he kept yelling and said we can do it the easy way or the hard way. Now how long would it take for him to evict me. I am moving on March 6th anyway. Do you think I can make it until then,
  • You should avoid the eviction, it looks really bad on your credit report, and he will get all past due rents unless you have this arrangement in writing. It will take him 30 days to evict you, but he will get it since you are not paying rent. He will get full rent plus interest (10% in CA) all legal fees and damages.
  • Why would you not take the Cash for Keys offer of $4000? You get 90 days to move out if you have a lease or 30 days without a lease. If you were informed that the owner no longer had the property she should have told you where to send the rent check. You cant sue the old landlord but you dont have to pay rent again. You cant live for free. You cant stay there if the property is foreclosed on. You are not being evicted. They are terminating your tenancy.
  • OK.. I fell thru the deck.. there is now a lawsuit with my landlord... her husband is an attorney...even with the personal injury lawsuit and things like No heat for 21 days and no water..etc etc her husband is trying to evict me...my attorney has my rent in his escrow account and still they are pushing for eviction... and even though the trial for PI lawsuit is in Sept.. he is trying now to evict me the attorney representing my landlord in this case knows that the money has been in escrow.... any other suggstions>?
  • 21 days after the service of the summons is considered a fast eviction (if they use an express service)...this sounds not likely, so go with the estimates posted earlier. Try to negotiate a win-win solution...he might have been having a bad day on the same day of your non-service.
  • 60 to 90 days minimum my dad is a landlord
  • I received a felony DUI in california last friday. I destroyed my car, and their car. I had full coverage, and It will be covering everything. They had "Minor injuries". And I was arrested on the spot for a DUI and was charged with a felony, I go to court on tuesday. Im a 21 year old white male. I have been working full time since I was 17, I have a GREAT job now, and well, I had a clean, perfect life up until last friday. I have never been in trouble before in my life, I have never been arrested or anything of that nature, I have a perfectly clean record. What is going to happen to me? Its a felony, which is worse than a regular DUI. And well. I wont even lie, Im scared to death right now that I might have to go back to jail, Its the worst hellhole I have ever been in in my life, I wont even lie, the entire 24 hours I was in there I was crying like a little girl. Im out on bail right now, which cost me $4500, because it was a $45,000 bail. If I go back, I'll lose my job. I wont be able to pay my bills, it will destroy my credit, and I will lose my entire life pretty much....... Does anyone know whats going to happen to me when I go to court? If you have any information please tell.
  • You're going to probably be found guilty of felony DUI; worst case probably a few days in jail; suspended license, big fines, and maybe lose a job. To the guy at the bottom; Judges are giving felony DUI drivers weekend jail time as a matter of course in a lot of states and stiuations. I'd get a good lawyer and hope.
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  • A 2nd DUI with in jury is a very serious offense. Your friend is looking at possible prison time as this 2nd DUI will be considered a Felony Due to the injury. Speak to a Felony DUI Lawyer immediately to understand the defense to your 2nd DUI Felony Case
  • To the above posters... After reading that kids story, seeing he has a job, and has no record, I would think he will get off without jail time. If in fact the judge sentences a hard working taxpayer with no past of criminal behavior to jail for getting in a crash while drunk which no one had serious injuries, then that will explain why the state of california and the entire nations in failing financially. If jobless crackheads walking down the street smoking a joint gets a mistaminer, and this kid gets a felony. Then holy crap..... Kid, if this country puts you away, and you lose everything. When you get out go to canada or mexico because this crap hole doesnt deserve people like you, and is about to self implode on its own stupidity.
  • The booking charge means nothing. The DA will decide what charges t