Should I reach out to other mortgage companies while I am inside this 10 day window? Is there an actual window or would getting another pull be worse? Y’all are probably smarter than me on such things.
I have heard that missed payments within the past 12 months on mortgage payments disqualifies you from a new conventional mortgage (in both refinancing and moving to a new house). I've never missed a mortgage payment.
Other than lowering your score, do missed credit card payments disqualify you too? Long story short, thought a credit card was on autopay but turns out it wasn't. Charged a very small amount to keep the account open, but didn't realize the account wasn't on autopay until it was 90 days late. Hoping it doesn't mess up qualification
I have a new small business (LLC) 8 months old. I'm thinking of opening business credit cards to separate business purchases from personal ones, to facilitate annual taxes, and to build business credit.
American Express pre-approved my business for a Blue Business Card (0% APR for 12 months and NO annual fee), and also for Gold Business Card ($295 annual fee). I'll most likely apply for the Blue Business Card.
- I'm wondering what business credit cards offer pre-qualification and an instant decision?
- I'm opening Net-30 accounts with CreativeAnalytics, ULine, and Quill... any suggestions to build business credit?
- Finally, in my understanding there are 6 business credit reports: Experian, Equifax, CreditSafe, SBFE, Ansonia, and NACM... am I missing any credit report? And any Free App to stay on top of these credit reports/scores?
Thank you!
I made this comment in another thread, but I though it could be doing with it's own post for more visibility.
With St Johnstone knocking Rangers out of the Scottish Cup last night, the winners of the 2020/2021 Scottish Cup will be guaranteed, as a bare minimum, Europa Conference League group stage football in the 2021/2022 season.
This works as the winner of this seasons Scottish Cup will be entered directly into the Play-off Qualifying Round of the Europa League. Win that tie, it's obviously a dreamland scenario and they qualify for the Europa League group stages. Lose that tie and they will drop into the Europa Conference League group stages.
As things stand, Hibs have already cemented their place in the second round of Conference League qualifying as they cannot be mathematically caught by Livingston Hibs are also in the semi finals of the Scottish Cup. Aberdeen have the chance to cement their place alongside Hibs if they avoid defeat to Livingston this coming Saturday.
IF Hibs win the Scottish Cup, then they will go into the Europa League play off round and the team that finishes 5th will begin next season in the Conference League qualifying alongside (as it stands) Aberdeen.
Would it be better to have a larger amount of cc debt before talking with lenders, or better to process a balance transfer to be paid over 12 months interest free? Purpose of the balance transfer/running balance is to have some liquidity vs spending more than we have. Wondering will it hurt my credit to use the balance transfer offer for the cc I just opened, or opening the account at all dinged it so might as well use the transfer?
As seen in the factsheet here: https://www.whitehouse.gov/briefing-room/statements-releases/2021/10/28/president-biden-announces-the-build-back-better-framework/
"...the framework’s electric vehicle tax credit will lower the cost of an electric vehicle that is made in America with American materials and union labor by $12,500 for a middle-class family. "
While actual legislative text doesn't exist, I'm reading between the lines and think it's reasonably likely that he's announcing incorporation of the same policy concepts we've seen before.
- Base credit of $7,500, another $4,500 credit for vehicles made in a union facility and an additional $500 credit for vehicles using a domestically manufactured battery
- Credit would only apply to vehicles that have a manufacturer’s suggested retail price of less than $55,000 for a car, $64,000 for a van, $69,000 for an SUV and $74,000 for a pickup truck
- Credit would have annual income limitation of $400,000 for individual, $600,000 for heads of household and $800,000 for couples
- Plan would eliminate current cap of 200,000 vehicle per manufacturer for tax credit
- Potential items that were being discussed also include fully refundable credit (so you don't need the tax liability) as well as payable as a rebate directly upon purchase of the vehicle.
All of these bullets are unconfirmed until we see actual legislation, the numbers could shift.
I’m wondering if I’ll qualify for the savers credit this year. I’m worried about the full-time student restriction because I’m MFJ and My wife was a full-time student but I wasn’t. Since I’m the one who made contributions to my Roth IRA does my wife’s full-time student status disqualify me from the credit since we’re MFJ?
[see savers credit description here](https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-savings-contributions-savers-credit
im trying to spread my credits evenly to get financial aid as a full time student (12 credits) but I'm having a hard time trying to stretch it out to graduate by spring 2024.
I planned to take a 2nd minor (1st minor being the liberal arts college option requirement) but I read a lot of reddit posts saying TAP doesn't cover 2nd minors.
So while I'm trying to figure out what classes to take to have exactly 12 credits (to qualify for financial aid) my 2nd minor can't be of the 12 credits (unless the 12 credits are from major courses).
the thing is that I don't have many major courses left, meaning there aren't enough major courses to cover 12 credits per semester.
is there any way I can take certain classes (electives?) to reach the 12 credit requirement at no extra cost? that way, I can take my 2nd minor courses after 12 credits have been fulfilled (like tricking the system)?
I should also note that I've finished completing all my flexible cores and such. I hope this makes sense, any help is gladly appreciated
(A) Clearing Agency's Statement of the Purpose of, and Statutory Basis for, the Proposed Rule Change
(A) PURPOSE
ICC proposes to amend the Stress Testing Framework and to adopt and formalize the Indirect Participant Risk Policy. The proposed amendments to the Stress Testing Framework include clarifications on the stress testing practices of ICC and reference the Indirect Participant Risk Policy. The proposed Indirect Participant Risk Policy describes the monitoring and review of risk arising from and relating to indirect participants, which are the underlying clients of ICC's Clearing Participants (“CPs”). ICC believes that such revisions will facilitate the prompt and accurate clearance and settlement of securities transactions and derivative agreements, contracts, and transactions for which it is responsible. ICC proposes to move forward with implementation of such changes following Commission approval of the proposed rule change. The proposed revisions are described in detail as follows.
I. STRESS TESTING FRAMEWORK
The revisions to the Stress Testing Framework are intended to clarify ICC's stress testing practices and include minor clean-up changes. The proposed changes abbreviate various terms throughout the document, starting in Section 2. Regarding the stress test methodology in Section 3, ICC would define financial resources as available funds from the Initial Margin requirements and Guaranty Fund contributions related to the selected portfolios in a footnote, and make minor conforming terminology changes in the text regarding the analyzed Initial Margin requirements. A proposed appendix with details on ICC's stress test methodology would be referenced throughout the amended document, specifically in Sections 3, 5, and 13. Proposed footnotes in Subsection 5.1 contain formulas that provide further definition regarding certain historically observed extreme but plausible market scenarios. The proposed amendments to Section 12 specify that client stress testing is executed daily (rather than “at least monthly”) and reference the Indirect Participant Risk Policy for further details. In Section 14, ICC proposes a grammatical update to make “meeting” plural and to memorialize that the Stress Testing Framework is subject to review by the Risk Committee and review and approval by the Board at least annually. ICC proposes to include the Indirect Participant
... keep reading on reddit ➡I am starting my PGDE primary teacher training in August, based in Scotland, and would be interested in teaching languages at primary level (preferably french but open to learning others). I just wanted to know what course I would need to take to achieve the qualification to do this in schools? Any information would be appreciated!
Edit: Thanks all for the suggestions. I was able to get one pre approval from Rocket Mortgage. Next week, I’ll contact the local lenders, based on the suggestions here. Thanks for the insights.
Hello,
I am a first home buyers and started looking at homes. I live in a high cost of leaving area, so I am looking for a jumbo loan with a down payment of about 30%.
I have very good FICO credit score about 820 and lots of savings that is about the price of the home. Zero debits. But still, Bank of America denied a jumbo loan saying that I have just two credit accounts for the two credit cards that I have. But they claimed they need three.
Is it a requirement for jumbo loan to have three credit lines. I am shopping with other lenders, but they all are very slow to reply (Chase and Rocket Mortgage). Bank of America was the only one that replied and denied. Now, I am worried if I will not be qualified.
Has anyone experienced that and can provide some thoughts if two credit lines are a low number for jumbo loans?
Thanks
Good day I am a BBA student at Unisa. I am busy with this qualification on and off for about 15 years. I see in the syllabus the qualification must be completed in 8 years. Does anybody know if Unisa will accept the modules (credits) passed before the 8-year term? For e.g., 10 – 11 years ago? The reason why I am asking the older modules still shows on the “system” when I register. And does anyone have experience with the final audit process? How does the feedback look like? A summary of all the modules that you need to pass? Thank you Regards
I have a new small business (LLC) 8 months old. I'm thinking of opening business credit cards to separate business purchases from personal ones, to facilitate annual taxes, and to build business credit.
American Express pre-approved my business for a Blue Business Card (0% APR for 12 months and NO annual fee), and also for Gold Business Card ($295 annual fee). I'll most likely apply for the Blue Business Card.
- I'm wondering what business credit cards offer pre-qualification and an instant decision?
- I'm opening Net-30 accounts with CreativeAnalytics, ULine, and Quill... any suggestions to build business credit?
- Finally, in my understanding there are 6 business credit reports: Experian, Equifax, CreditSafe, SBFE, Ansonia, and NACM... am I missing any credit report? And any Free App to stay on top of these credit reports/scores?
Thank you!
