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Wysłany: Czw 4:25, 27 Sie 2015
Temat postu: loan calcul
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You should also pay attention to what type of information your lender is asking for. Do they want your Social Security Number? Why do they need it if your credit doesnât matter? They might end up running your credit (which can ding your credit scores) or using the information for identity theft. If youâre not 100% sure who youâre dealing with, keep your Social Security Number to yourself. A loan that is offered by phone. It is illegal for companies doing business by phone in the U.S. to promise you a loan or credit card and ask you to pay for it before they deliver. A lender who uses a copy-cat or wanna-be name. Crooks give their companies names that sound like well-known or respected organizations and create websites that look professional. Some scam artists have pretended to be the Better Business Bureau, a major bank, or another reputable organization; some even produce forged paperwork or pay people to pretend to be references. Always get a companyâs phone number from the phone book or directory assistance, and call to check they are who they say they are. Get a physical address, too: a company that advertises a PO Box as its address is one to check out with the appropriate authorities. A lender who is not registered in your state. Lenders and loan brokers are required to register in the states where they do business. To check registration, call your state Attorney Generalâs office or your stateâs Department of Banking or Financial Regulation. Checking registration does not guarantee that you will be happy with a lender, but it helps weed out the crooks. A lender who asks you to wire money or pay an individual. Donât make a payment for a loan or credit card directly to an individual; legitimate lenders donât ask anyone to do that. In addition, donât use a wire transfer service or send money orders for a loan. You have little recourse if thereâs a problem with a wire transaction, and legitimate lenders donât pressure their customers to wire money.
- You must have a stable income.
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