Having a background check and credit check to get a new job. Background is good, credit is not. What can I do to fix, repair, amend, hide, or whatever to my credit report in one week? I don't know the exact day they will run the credit report or any details. But I had to sign something to allow them to do this if I wanted to be considered. I don't have a Bankruptcy but do have things in collections and late payments. Now what?
I want to be able to live comfortably
in a decent sub division
and be able to shop
at Jewel instead of Wal-Mart,
if you know what I mean.
No offense if you take any.
Not so sure, what do you think?
I have a mastercard, I asked for a credit limit increase of $4000, but they said no. I don't understand, my credit score is 764, and I always pay my bills and credit card on time. I have never asked for a credit limit increase before, so I thought I would be eligible. And by the way, I just found a new job and my salary is close to 100k.
Can someone tell me why they refused??
@ Go with flow: I ALWAYS pay my credit cards in full way before the deadline. I always have 0 balance, which is why I don't understand this refusal. I thought 764 was a good credit score... Maybe I am wrong?
@Banker News: I have 3 credit cards, is that too many credit cards to have? And also, I have 0 balance on all of them. When I use them, I only use <10?f the available credit though. The only reason why I asked for a credit limit increase, is because I am planning on relocating, and I figured I would need a little more credit than what's available to help me with the moving fees.
@Techan MacGothraid: Thanks for the input. I have had this Sears Mastercard for over a year now.
-I do pay all my credit cards in FULL (not just the minimum amount) twice every month and way before the deadlines.
- I had a $6,000 credit line before and I requested for a $10,000 credit limit (that was my first credit limit increase request ever).
-I gave them a call and asked why my request was denied, they said because I had too many credit inquiries, and because of my credit score. That answer did not make much sense to me because 1.as far as I know, I have never made any inquiries before (except calling them to tell them that I am visiting another state, so that they can unblock my credit card).
2.When I asked them what my credit score is (that is causing them to deny me the increase) ,they said it is 764, which in my opinion is not a bad credit...
3.I don't have any debt, whatsoever (never had any). As far as I know, I have a very clean credit record.
-my two other credit cards only have $500 and $900 credit only though.
-I have an offer to start next month, so I haven't started my new job yet, I told them I will be starting soon, and that I needed the new credit limit to facilitate my relocation for the new job. Up until now, I was just a graduate student, so I didn't make much (around 22K). Do you think that is the reason, maybe?
I have 5 questions. Could you please answer them for me?
The following is part of a job description of Risk Analyst of a retail bank’s risk department. (for Q1-3)
[Risk analyst (RA) will be responsible for the development and execution of the risk strategies that will assist our key business partners achieve growth and profitability targets while maintaining the overall risk quality of our retail lending portfolios. Business partners include, Unsecured Lending, Indirect Lending, Real Estate Secured Lending and Small Business Banking.]
I am pretty new to banking, and I do not understand its definition of “Business partners” .
I thought what were described as Business partners in the above description should be “Business PRODUCTS/ DEPARTMENTS” instead? How a risk analyst could “partner” with “unsecured lending, indirect lending, real estate secured lending and small business banking” which I believed them to be PRODUCTS/ DEPARTMENTS?
I thought business partners should be retail consumers (people), and/or institutional clients (other banks; like one should decide if Bank A should lend to Bank B?)
Please correct me.
In addition, I thought retail lending portfolios include “Unsecured Lending, Indirect Lending, Real Estate Secured Lending and Small Business Banking” instead of Business partners include them?
But obviously, here says maintaining Retail Lending Portfolios is another responsibility in addition to assist our key Business Partners achieve growth and profitability targets.
How RA could help key Business Partners achieve growth and profitability targets (sounds like sales to me) while I believed his/her job is to analyse if a bank is bearing too much loans?
Another job description:
[Support customer segmentation development that improves the underwriting process, enhance the portfolio’s risk-reward profile and are within the bank’s risk appetite] (for Q4)
Does this mean RA should help assess the eligibility of a customer to receive their products?
I found wiki definition on Underwriting is Underwriting refers to the process that a large financial service provider (bank, insurer, investment house) uses to assess the eligibility of a customer to receive their products (equity capital, insurance, mortgage, or credit).
How to forecast loss rates, approval rates, response rates, utilization rates, and credit quality?
Thank you very very very much in advance!!!
How much without MBA just bechelor in Finance :
how much with finance degree and MBA :
where can they work :
with no job expereince
i hate those sites can you just give me some numbers please!!!!!
just pick any locations and give me some example/numbers, JEEZ!
Im about to switch mos to 35m and would like to have more knowledge on what they do not just deploying but at there duty station
A) Since Bush pre-approved it, Obama's hands are clean. He signed the check, but Bush forced his hand.
b) While Bush pre-approved it, the Obama administration had the obligation to revise the financial records of Solyndra. The Obama administration was warned about concerns regarding Solyndra's financial situation.
c) it was just a legitimate government investment with a reasonable risk of going bad.
I am a young college student, and I work full time. I own a car, and I currently rent a room for housing. I am financially stable, with a decent job. I do have student loans right now. I do not have any credit right now. I have been thinking about getting a low limit possibly about $500 credit card. I am kind of skeptical about it though because I do not want to ruin my credit. However I would like to start building up my credit so that i can try to eventually qualify to get another car, and so that when I am ready to move I can do it with out having to get a co-signer. What would be the best route to safely build credit? I maintain the bills I have now, I pay on time with no issues. but the main bills I have right now is only a cell phone bill and car insurance. I want to make a responsible decision and not get myself into something that would be living outside of my limits.
Dear Job Applicant,
JOB REF: HB.B-UK-09/015
VACANCIES: UNLIMITED FOR THOSE IN THE (BANK MANAGEMENT, IT,
PROJECT MGT. ADMINISTRATION, MANAGERIAL OPENINGS)
Customer Service Representative
Part-time Collections Advisor
Customer Sales Executive
General and operations managers
Marketing and sales managers
Accountants and auditors
Personal financial advisors
Corporate Finance Director
CONTRACT DURATION: 4 - 7 YEARS (RENEWABLE, PROSPECTS OF SECURING PERMANENT
CONTRACTOR/ EMPLOYER: HSBC BANK.U.K.
AGENT/ RECRUITER: HSBC BANK.U.K CAREER DEPARTMENT.
CONTRACT/ JOB LOCATION: LONDON.
Sequel to the job advertisement made, we have reviewed your CV/Resume
Sent by our labor consultantsshttp://www.naukrigulf.com,http://www.naukri
for a possible job engagement with us and we also
wish to inform you that you are eligible for a Job position in HSBC BANK.U.K
Please answer and submit the Official Online questionnaire alongside your
credentials/photo graph for HSBC BANK.U.K which will be used to ascertain your
final eligibility for a Job position in reference to your CV/Resume as posted
prior to this interview by
.com, & http://www.timesjobs.com
*Note: Only Successful and Short-listed Applicants will be contacted either on
Phone or Email!
1. Briefly describe your ideal job?
2. Why did you choose this career?
3. What goals do you have in your career?
4. How do you plan to achieve these goals?
5. Can you work well under deadlines or pressure?
6. Tell us about a time when you failed to meet a deadline. What were
7. Do you have reference list?
8. Why do you want to work here?
9. Why should we hire you over the others waiting to be interviewed?
10. What is your Current Monthly Salary Package in US Dollars?
11. How soon can you travel down to start your new Job?
12. What job position/s are you currently holding with your current employer?
13. What three Specific Job Positions do you target from HSBC BANK.U.K?
14. Give us full details on the Following;
(A.) Full Name:
(B.) Permanent Mailing Address
(C.) Current Mailing Address
(D.) Tel/Mobile Number(s)
15. What is your Country of Nationality? Is it different from your
Present location? If yes please state your Current resident Country.
16. What are your Future Plans for HSBC BANK.U.K?
Compensations and Benefit packages for these positions remain Competitive and
Comparable with those available in leading Aviation Industries across the globe
& negotiations are allowed.
CRITERIA FOR EMPLOYMENT
Contract Awards/ Employment will be based mostly on merit and will be considered
on experience and Profile.
Over the years, the best recruited Expatriates have been selected via the
Internet and the selection has proven to be unbiased & based on merit since our
Clients require the best expertise in various fields to enable them deliver
within specified frames of time and harness the opportunities in the operating
BENEFITS AVAILABLE TO SHORT-LISTED JOB APPLICANTS
* FREE ACCOMMODATION
* FREE FEEDING
* OFFICIAL VEHICLE WITH COMPANY DRIVER FOR LOCOMOTION
* FAMILY STATUS PACKAGE + 75?OR COMPLETE FAMILY WELFARE
* FREE TO & FRO TRAVEL TICKET
* REIMBURSEMENT FOR PROCESSING OF TRAVEL PAPER(S), VISA ETC * UPFRONT
PAYMENT OF FIRST MONTH'S
SALARY +BENEFITS BEFORE RE-LOCATION TO JOB LOCATION
Many more incomparable benefits..............
IMPORTANT INSTRUCTION FOR JOB APPLICANTS
All Completed Online Interview Questions should be submitted to the Human
Resources Department of HSBC BANK at:
email@example.com to enable them as certain your eligibility for a Job
position and make possible considerations for Job offer in
ONLY Successful and Short-listed applicants will be contacted and invited for a
Job position and a mandatory Orientation/ Training
Program scheduled 3 weeks on confirmation of Job Offer from HSBC BANK
Mrs. Ellen Forsey
Human Resources Assistant,
HSBC BANK.UK,EMAIL: firstname.lastname@example.org
after this e.mail I received another e.mail which I will send you after this e.mail
How do I restore credit if no one wants to approve me for anything? I have a score around 530 which is not bad but it is rated at very poor. So how do I get better credit if not even a bank will approve me? I have a great paying job and they don't accept that as collateral. Please help!!!
American International Group (AIG), which sponsors Manchester United FC, was hit hard by deterioration in the credit markets last week and yesterday issued a statement that said it was reviewing its operations. Its stock dropped 45?ince the start of the week amid concerns about the security of its assets, many of which are linked to the financial turmoil on Wall Street. Over the weekend it crafted a $40bn loan facility from the federal reserve, which had obviously taken the view that AIG posed more of a systemic risk than Lehman.
Washington Mutual is named by several analysts as the next to find itself in serious trouble. It was the subject of a rescue led by private equity firm Texas Pacific group in the spring. But the billions poured into its coffers no longer look sufficient to satisfy investors and they are taking flight. It is possible shareholders will flee Bank of America, if they consider Merrill Lynch a bad buy.
Another victim could be the US mono line insurers, so called because they only insure the bonds of large company's, including mortgage lending institutions. Like AIG, the insurance cover they provide could be invoked by customers and, like a tsunami, overwhelm their finances.
In the UK, mortgage banks such as Halifax owner HBOS, Alliance & Leicester and Bradford & Bingley, could suffer further if investors switch to safer havens.
Will it make a recession worse?
Yes. The CBI predicts a "shallow recession" next year, but this now appears optimistic. If the last five years of our decade-long economic boom were characterised by reckless lending, then living standards, along with property prices, have a long way to fall.
We are all spending money we simply don't have and when we stop it will spell the end for many jobs in retail, hospitality and may other industries. A fall in the value of the pound will help exporters and that will offset the worst of the economy's problems. But without banks willing or able to lend money to millions of people, except at sky-high interest rates, a long and deep recession seems inevitable.
What are your views???????????
I have decided to go back to school to receive my bachelors in Finance. The paperwork I have to fill our for reimbursement for schooling asks how Budgeting and Forecasting directly relates to my current job or how it will enhance my potential for advancement at the bank.
Right now I work with investments (stocks, bond, Annuity's, Mutual Funds...etc). Any suggestions would be greatly appreciated.
Here is the description of the class:
In this course students design and implement a departmental budget encompassing the various processes that account for resource expenditures. Students develop a long-range budget forecast and then assess its impact on departmental planning.
In Rush to Assist Solyndra, U.S. Missed Warning Signs
Luke Sharrett/The New York Times
President Obama toured Solyndra, a solar panel manufacturer in Fremont, Calif., in May 2010. There were signs that the company's business plan was imploding.
By ERIC LIPTON and JOHN M. BRODER
Published: September 22, 2011
WASHINGTON — President Obama’s visit to the Solyndra solar panel factory in California last year was choreographed down to the last detail — the 20-by-30-foot American flags, the corporate banners hung just so, the special lighting, even coffee and doughnuts for the Secret Service detail.
But behind the pomp and pageantry, Solyndra was rotting inside, hemorrhaging cash so quickly that within weeks of Mr. Obama’s visit, the company canceled plans to offer shares to the public. Barely a year later, Solyndra has become one of the administration’s most costly fumbles after the company declared bankruptcy, laid off 1,100 workers and was raided by F.B.I. agents seeking evidence of possible fraud.
Solyndra’s two top officers are to appear Friday before a House investigative committee where, their lawyers say, they will assert their Fifth Amendment right against self-incrimination.
The government’s backing of Solyndra, which could cost taxpayers more than a half-billion dollars, came as the politically well-connected business began an extensive lobbying campaign that appears to have blinded government officials to the company’s financial condition and the risks of the investment, according to a review of government documents and interviews with administration officials and industry analysts.
While no evidence has emerged that political favoritism played a role in what administration officials assert were merit-based decisions, Solyndra drew plenty of high-level attention. Its lobbyists corresponded frequently and met at least three times with an aide to a top White House official, Valerie B. Jarrett, to push for loans, tax breaks and other government assistance.
Administration officials lay the blame for Solyndra’s problems in part on the global collapse in the price of solar energy components, which forced the company to sell its innovative solar panels at less than it cost to make them. Some lawmakers on Capitol Hill question whether the firm’s executives may have engaged in a cover-up of their precarious financial condition, allegations the company denies.
But industry analysts and government auditors fault the Obama administration for failing to properly evaluate the business proposals or take note of troubling signs already evident in the solar energy marketplace.
“It was alarming,” said Frank Rusco, a program director at the Government Accountability Office, which found that Energy Department preliminary loan approvals — including the one for Solyndra — were granted at times before officials had completed mandatory evaluations of the financial and engineering viability of the projects. “They can’t really evaluate the risks without following the rules.”
Remembering that he was vilified as a kook for predicting this precise situation, is he worth listening to now?
"The bailout package that is about to be rammed down Congress’ throat is not just economically foolish. It is downright sinister. It makes a mockery of our Constitution, which our leaders should never again bother pretending is still in effect. It promises the American people a never-ending nightmare of ever-greater debt liabilities they will have to shoulder. Two weeks ago, financial analyst Jim Rogers said the bailout of Fannie Mae and Freddie Mac made America more communist than China! “This is welfare for the rich,” he said. “This is socialism for the rich. It’s bailing out the financiers, the banks, the Wall Streeters.”
That describes the current bailout package to a T. And we’re being told it’s unavoidable.
The claim that the market caused all this is so staggeringly foolish that only politicians and the media could pretend to believe it. But that has become the conventional wisdom, with the desired result that those responsible for the credit bubble and its predictable consequences - predictable, that is, to those who understand sound, Austrian economics - are being let off the hook. The Federal Reserve System is actually positioning itself as the savior, rather than the culprit, in this mess!
• The Treasury Secretary is authorized to purchase up to $700 billion in mortgage-related assets at any one time. That means $700 billion is only the very beginning of what will hit us.
• Financial institutions are “designated as financial agents of the Government.” This is the New Deal to end all New Deals.
• Then there’s this: “Decisions by the Secretary pursuant to the authority of this Act are non-reviewable and committed to agency discretion, and may not be reviewed by any court of law or any administrative agency.“ Translation: the Secretary can buy up whatever junk debt he wants to, burden the American people with it, and be subject to no one in the process.
There goes your country.
Even some so-called free-market economists are calling all this “sadly necessary.” Sad, yes. Necessary? Don’t make me laugh.
Our one-party system is complicit in yet another crime against the American people. The two major party candidates for president themselves initially indicated their strong support for bailouts of this kind - another example of the big choice we’re supposedly presented with this November: yes or yes. Now, with a backlash brewing, they’re not quite sure what their views are. A sad display, really.
Although the present bailout package is almost certainly not the end of the political atrocities we’ll witness in connection with the crisis, time is short. Congress may vote as soon as tomorrow. With a Rasmussen poll finding support for the bailout at an anemic seven percent, some members of Congress are afraid to vote for it. Call them! Let them hear from you! Tell them you will never vote for anyone who supports this atrocity.
The issue boils down to this: do we care about freedom? Do we care about responsibility and accountability? Do we care that our government and media have been bought and paid for? Do we care that average Americans are about to be looted in order to subsidize the fattest of cats on Wall Street and in government? Do we care?
When the chips are down, will we stand up and fight, even if it means standing up against every stripe of fashionable opinion in politics and the media?
Times like these have a way of telling us what kind of a people we are, and what kind of country we shall be.
If you are against this, are you emailing your reps?
thanks, justagirl, but Ron Paul is the old fashioned sort of patriot who would prefer to save the country from the damage than be given personal power.
Email your reps again, if you want to support this.
Pfo his plan would be to live within our means. somehow I can't find a way to make that sound 'kooky'.
intelex there will definitely be major bad consequences from the bailouts the fed already did with NO request to congress and the bubbles the fed created. the bailouts just are doing more of what we did to get into this problem to begin with, however.
And even Bernanke and Paulson can't say this would even work.
Other day I asked about this, well last night I recieved this next email from this person.
However, I would never send cash to anyone I also checked on Bing Maps and Google Earth and this place looks rundown, rusty, etc.
evaluate a MONEY GRAM OUTLET nearest to you as i have asked you to find you from my previous email....Read carefully as this is very easy.
Steps to take ;
YOUR FIRST ASSIGNMENT
You are advised to read carefully to understand procedures.
1) You are to make a transfer of funds from a MONEY GRAM location closest to you to another Mystery shopper in another City or state, and the funds would be picked up by this Mystery shopper at the exact locations which a customer has reported her funds stolen from.
2) You would have to record the time at which you go to the location and how many minutes it took you to get service. You will be receiving Money Orders of $950 X 2 = $1900 via FedEx courier service today
Ensure you are available to receive delivery so you can carry out your task immediately.
You are advised to deposit/cash the Money Order at your bank only this morning upon receipt,deduct $200 survey fees for this assignment and have the balance funds transferred via MONEY GRAM to the following mystery shoppers. You will be required to deduct the MONEY GRAM transfer charges from the balance funds to the agent details below.
Here are the details below:
140 Truxtun Ave
TEST QUESTION - IN GOD
ANSWER - WE TRUST
After processing the check at your bank, proceed immediately with cash to the nearest MONEY GRAM OUTLET for evaluation and secretly perform the following shopping operation on your own, please do not ask the MONEY GRAM operators any suspicious question as your Identity should be kept confidential as the job states (secret shopper), just act as an ignorant customer: In the process of sending the funds to the above mystery shoppers, you are to carry out your assignment and provide us with a report to the following questions below ;
1. How fast and Efficient is the MONEY GRAM Money Transfer Service?
2. How long does it take you to have the funds wired?
3. How close is the MONEY GRAM Money Transfer Location to your area?
4. Is the Senders Request Form too short or Long? Kindly Advise
5. Is the neighboring environment safe for handling MONEY GRAM Money Transfer Service.
6. When you get to MONEY GRAM some would ask you , about whom you are sending funds to ,just let him or her know you are sending the funds to a close relative..
7. Be very Cautious as they would want to find out whom exactly you are working for
8. General Comments....
You are expected to have this done on the same day you receive the funds and email us back your results with the following information after you have the funds wired:
1. SENDER’S NAME:
2. SENDER'S ADD:
3. Money Transfer Reference Number: (Eight digit) xxx:xxx:xx
4.Exact Amount Wired: $
I will like you to confirm you completely understand your assignment and capability in carrying it out without glitches.Also note that if you complete this task within 24hrs, you are entitled to a bonus fee of $100.
Which will be included in the payment for your next assignment.
Kindly get back ASAP because your results will be reviewed and collated for the upcoming JULY, 2010 Analyst/Investor Conference coming up in Colorado.
Mr. Paul Falotico
Should I return them , send them to Ca or just throw them out?
I did recieve these two ant still have them. I will take them to my nearest FBI next week. If they want to look at my emails I will show them. thanks
I am thinking of taking over a small village store which ive been told is taking fairly good money a day which varies from £300 on a bad day to £600 on a good day. It is a newsagents and convenience store selling a very small amount of alchol. The opening times are only 6am to 6pm and im planning to stay open until 8pm to catch people on way home from work. It is on a busy threw road. I went to the bank and they have offered me a personal loan of £10,000 was only looking for £8,000 so this seems good thing. It is a 5 year loan paying between £220 - £250 a month repayment
The shop needs to pay the follwing : -
Rent is £120.00 per week x4 weeks = £500.00
£250.00 Loan Repayment
£40.00 per month rates
£30.00 per month phone
TOTAL = £920.00 Per Month Overheads
Have not included the paper bills / milk etc as they will pay for themselves
Based on if the shop takes £300 per day x7 days = £2100 a week x 4 weeks = £8400 a month NET
I'm after advise off people who have ran these kind of things will it pay its way?
Im currently part time in a leisure centre of 22 hours a week on a good wage £8.52 an hour and looking to pay staff 25 hours at Minimum wage. I am keeping my job also
Any advise please??
May i add this is a currently run buisiness so my bank does not want a buisiness plan as they put me down for a personal loan as its a smaller amount.
OK Im 19
Got a 2005 Corolla CE in my name...
Honestly, I don't know how I was approved?
I recently had a 2001 Mitsubishi Galant which was paid on time for 12 months...
My credit score is about 592...
Could be higher; recent inquiries!
How does this credit thing work? I applied for an Amercan Express Green Card and was denied but got approved for a Toyota. w*f!
Please kindly assist me scale through this interview for an entry level position as a Credit Risk officer in the Credit Risk Dept of a bank. What are the main day-to-day duties of Credit Risk officers in a bank?
Thank you for your promt respone to the above question on Yahoo Answers. however, i want a follow up as i would like you to help explain certain ideas you raised in your answer which i didnt quite understand, pls brief me:
1, Pls can you help me understand the process involved in the completion of loan credit analysis for new and existing loans?
2, how does the credit risk officer conduct statement review for loan officers?
3, What are the processes involved in the Financial Analysis reviews of the credit risk officer?
4, what is the process involved in generating loan Doc. in laser pro? what is a laser pro?
5, what is a loan packet credit presentation check list?