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Hey
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Username: Hey

Post Number: 498
Registered: 10-2008
Posted From: 66.67.114.55

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Posted on Wednesday, December 17, 2008 - 08:51 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Jodhaa:



"A successful person is one who can lay a firm foundation with the bricks that others throw at him or her"
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Jodhaa
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Username: Jodhaa

Post Number: 7697
Registered: 02-2008
Posted From: 65.186.82.73

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Posted on Wednesday, December 17, 2008 - 08:16 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Apsrtc:


BTW, meeru Sql anukonta kada. MCTS itchaara meeru?
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Ipc302
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Username: Ipc302

Post Number: 1696
Registered: 02-2008
Posted From: 24.206.89.130

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Posted on Wednesday, December 17, 2008 - 08:14 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Jodhaa:

sorry friends, I was just joking..coke ala adigey sariki navvu vachi, friend name meedha theesukonna ani cheppa




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Jodhaa
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Username: Jodhaa

Post Number: 7695
Registered: 02-2008
Posted From: 65.186.82.73

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Posted on Wednesday, December 17, 2008 - 08:12 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Hey:



3t3:



Biscuit:


sorry friends, I was just joking..coke ala adigey sariki navvu vachi, friend name meedha theesukonna ani cheppa.:-)
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Jodhaa
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Username: Jodhaa

Post Number: 7693
Registered: 02-2008
Posted From: 65.186.82.73

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Posted on Wednesday, December 17, 2008 - 08:10 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Envision:

Nijam cheppu loan tho gold konukkunavu kadoo


I wish....
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Jodhaa
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Username: Jodhaa

Post Number: 7692
Registered: 02-2008
Posted From: 65.186.82.73

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Posted on Wednesday, December 17, 2008 - 08:10 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Apsrtc:

Unless your SSN is used in ur friend loan application as a co-applicant/co-signer bank do not care about who you are. Technically your friend took total finacial responsibility and paying it off. The payment might go from ur account and it does not matter to the bank. Thats the reason this loan do not come under ur credit profile.

I assume the bank loan officer must have clarified that to you.

One option you can do is: talk to the banker to release the finacial responsibility of ur student loan to you from ur friend. By transferring the loan responsibility on to your SSN, your friend is off the hook and ur SSN taken into consideration from now on as primary applicant. Studentloan/citi bank have that facility for student loans co-signed with friends/relatives.

If that option is not there, talk to the bank to add you are also as co-applicant to existing loan. At least from now on it comes in your credit profile.

Also just remember while taking help of friends to buy car/get loan just add them as co-signer not as a independent applicant.


.

Ayyo, nenu edho joke chesa andi...na SSN meedha leka pothey, na report lo update kaaledhu ani ikkada ela adugutha......
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Apsrtc
Junior Artist
Username: Apsrtc

Post Number: 52
Registered: 08-2008
Posted From: 71.68.36.215

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Posted on Wednesday, December 17, 2008 - 08:07 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

Unless your SSN is used in ur friend loan application as a co-applicant/co-signer bank do not care about who you are. Technically your friend took total finacial responsibility and paying it off. The payment might go from ur account and it does not matter to the bank. Thats the reason this loan do not come under ur credit profile.

I assume the bank loan officer must have clarified that to you.

One option you can do is: talk to the banker to release the finacial responsibility of ur student loan to you from ur friend. By transferring the loan responsibility on to your SSN, your friend is off the hook and ur SSN taken into consideration from now on as primary applicant. Studentloan/citi bank have that facility for student loans co-signed with friends/relatives.

If that option is not there, talk to the bank to add you are also as co-applicant to existing loan. At least from now on it comes in your credit profile.

Also just remember while taking help of friends to buy car/get loan just add them as co-signer not as a independent applicant.
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Envision
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Username: Envision

Post Number: 768
Registered: 04-2008
Posted From: 66.35.226.228

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Posted on Wednesday, December 17, 2008 - 08:06 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Jodhaa:


Nijam cheppu loan tho gold konukkunavu kadoo
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Jodhaa
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Username: Jodhaa

Post Number: 7690
Registered: 02-2008
Posted From: 65.186.82.73

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Posted on Wednesday, December 17, 2008 - 08:03 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Mallik:

mazaak chestunnaa ani cheppu pleese..


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Jodhaa
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Username: Jodhaa

Post Number: 7689
Registered: 02-2008
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Posted on Wednesday, December 17, 2008 - 08:02 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Gotcha:

it takes atleast a month to see the updates of ur payments.


Nenu last 18 months nunchi pay chesthunna..so far no na report lo update kaaledhu
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Gotcha
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Username: Gotcha

Post Number: 2095
Registered: 02-2008
Posted From: 24.13.183.233

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Posted on Wednesday, December 17, 2008 - 07:50 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

it takes atleast a month to see the updates of ur payments.
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Biscuit
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Username: Biscuit

Post Number: 366
Registered: 10-2007
Posted From: 64.40.227.22

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Posted on Wednesday, December 17, 2008 - 04:06 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Jodhaa:




frnd ssn ni peru mida loan tesukunna.
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Tinku
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Username: Tinku

Post Number: 1836
Registered: 08-2008
Posted From: 198.133.105.244

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Posted on Wednesday, December 17, 2008 - 04:04 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Jodhaa:

enduku tinku, sofa venakala dakkunnavu?




akkada undi miru em matladukuntaro vintunna.
Ilantivi anni govt loni jarguthayi.So don't blame us - Congi.
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3t3
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Username: 3t3

Post Number: 317
Registered: 05-2008
Posted From: 207.114.255.54

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Posted on Wednesday, December 17, 2008 - 03:27 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Jodhaa:

oh, na SSN meedha theesukovala?oops, theliyaka, friend SSN meedha theesukonna.


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Hey
Junior Artist
Username: Hey

Post Number: 495
Registered: 10-2008
Posted From: 66.67.114.55

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Posted on Wednesday, December 17, 2008 - 03:26 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Jodhaa:

oh, na SSN meedha theesukovala?oops, theliyaka, friend SSN meedha theesukonna. Ippudu ela



Old id One :-)

"A successful person is one who can lay a firm foundation with the bricks that others throw at him or her"
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Jodhaa
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Username: Jodhaa

Post Number: 7686
Registered: 02-2008
Posted From: 65.186.82.73

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Posted on Wednesday, December 17, 2008 - 03:20 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Tinku:


enduku tinku, sofa venakala dakkunnavu?
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Tinku
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Username: Tinku

Post Number: 1835
Registered: 08-2008
Posted From: 198.133.105.244

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Posted on Wednesday, December 17, 2008 - 03:16 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Ilantivi anni govt loni jarguthayi.So don't blame us - Congi.
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Jodhaa
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Username: Jodhaa

Post Number: 7684
Registered: 02-2008
Posted From: 65.186.82.73

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Posted on Wednesday, December 17, 2008 - 03:09 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Mallik:

Untadi.. Infact ee mooditki mana all credit history report cheshnaa, score different gaa untadi.. Equifax vaadu stict officer ranjit.. transunion vaadu cool.. experion middle annattu..

Banks general gaa ee reports follow ainaa, scoring maatram vaalla own software untadi.. kondaru fico score choostaru..


hmm..k..Loan officer Equifax tho check chestha ani cheppindu..so lets c..emi chebuthaado...
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Mallik
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Username: Mallik

Post Number: 2016
Registered: 10-2008
Posted From: 69.27.233.254

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Posted on Wednesday, December 17, 2008 - 03:02 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Jodhaa:

oh, na SSN meedha theesukovala?oops, theliyaka, friend SSN meedha theesukonna. Ippudu ela?


mazaak chestunnaa ani cheppu pleese..
In this db, there's always someone watching you!!
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Mallik
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Username: Mallik

Post Number: 2015
Registered: 10-2008
Posted From: 69.27.233.254

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Posted on Wednesday, December 17, 2008 - 02:59 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Jodhaa:

Satti, ila oka bureau ki chesi inkoka dhaaniki cheyyaka pothey score diff vuntadhi kada among them? General ga banks e report follow avuthaye credit decision ki?


Untadi.. Infact ee mooditki mana all credit history report cheshnaa, score different gaa untadi.. Equifax vaadu stict officer ranjit.. transunion vaadu cool.. experion middle annattu..

Banks general gaa ee reports follow ainaa, scoring maatram vaalla own software untadi.. kondaru fico score choostaru..
In this db, there's always someone watching you!!
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Jodhaa
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Username: Jodhaa

Post Number: 7683
Registered: 02-2008
Posted From: 65.186.82.73

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Posted on Wednesday, December 17, 2008 - 02:58 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Cocanada:

Loan nee SSN meede teeskunnava?


oh, na SSN meedha theesukovala?oops, theliyaka, friend SSN meedha theesukonna. Ippudu ela?:-(
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Cocanada
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Username: Cocanada

Post Number: 5188
Registered: 01-2008
Posted From: 136.181.195.17

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Posted on Wednesday, December 17, 2008 - 02:57 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Jodhaa:


Loan nee SSN meede teeskunnava?
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Jodhaa
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Username: Jodhaa

Post Number: 7681
Registered: 02-2008
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Posted on Wednesday, December 17, 2008 - 02:56 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Mallik:

oka saari calling cheshi kanukko..


loan officer ki call chesina..Equifax ki report chesthunnam ani cheppadu, kani naku aa report lo emi kanipisthaledhu...

Satti, ila oka bureau ki chesi inkoka dhaaniki cheyyaka pothey score diff vuntadhi kada among them? General ga banks e report follow avuthaye credit decision ki?
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Jodhaa
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Username: Jodhaa

Post Number: 7678
Registered: 02-2008
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Posted on Wednesday, December 17, 2008 - 12:09 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Mallik:

Eee apr (APY kaadu), ki nee score atleast 100 points improve avvaali over a span of two years.. oka saari calling cheshi kanukko.. paisal istaa ani cheppu report chesthe..


ok let me call the Bank manager..
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Mallik
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Username: Mallik

Post Number: 1993
Registered: 10-2008
Posted From: 69.27.233.254

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Posted on Wednesday, December 17, 2008 - 11:54 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Jodhaa:

Lite ela satti, nelaki 1K kaduthunna from last 16 months & inka 8 months vundi @10.5% APY.Idhi history ki add avuthey score improve avvadhu antaava?


Eee apr (APY kaadu), ki nee score atleast 100 points improve avvaali over a span of two years.. oka saari calling cheshi kanukko.. paisal istaa ani cheppu report chesthe..
In this db, there's always someone watching you!!
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Jodhaa
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Username: Jodhaa

Post Number: 7677
Registered: 02-2008
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Posted on Wednesday, December 17, 2008 - 11:49 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Mallik:

Avunaa.. lite.. emainaa loaning ki try chestunnavaa?


Lite ela satti, nelaki 1K kaduthunna from last 16 months & inka 8 months vundi @10.5% APY.Idhi history ki add avuthey score improve avvadhu antaava?:-(

Loaning antey, repu urgent edhanna money avasaram ayethe,theesukovadaaniki kaanesam manchi score vundali kada?:-(
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Jodhaa
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Username: Jodhaa

Post Number: 7676
Registered: 02-2008
Posted From: 65.186.82.73

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Posted on Wednesday, December 17, 2008 - 11:44 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Abcdefghij:

but other college loans, trust loan or scholarship etc they give based on some criteria, even if your credit is bad u get it and they dont report.


some criteria antey, in our case, ma univ ni choosi a bank maaku loan itchindhi irrespective of credit history(i am sure idhi check kooda chesi vundaru) for a fixed APR for all the students. So ilaantivi add avvava? add cheyyali anukonna chepinchalema?
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Mallik
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Username: Mallik

Post Number: 1990
Registered: 10-2008
Posted From: 69.27.233.254

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Posted on Wednesday, December 17, 2008 - 11:44 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Jodhaa:

nenu 3 bureaus lo choosa na report, dhentlo kooda ledhu.


Avunaa.. lite.. emainaa loaning ki try chestunnavaa?
In this db, there's always someone watching you!!
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Abcdefghij
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Username: Abcdefghij

Post Number: 2937
Registered: 02-2007
Posted From: 68.79.114.159

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Posted on Wednesday, December 17, 2008 - 11:37 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

depends on where u got the loan. if u got it from private banks or creditcards they report coz they give u based on your credit, but other college loans, trust loan or scholarship etc they give based on some criteria, even if your credit is bad u get it and they dont report.
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Jodhaa
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Username: Jodhaa

Post Number: 7675
Registered: 02-2008
Posted From: 65.186.82.73

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Posted on Wednesday, December 17, 2008 - 11:34 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Mallik:

General gaa atleast one credit bureau ki annaa chestai..


nenu 3 bureaus lo choosa na report, dhentlo kooda ledhu.
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Jodhaa
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Username: Jodhaa

Post Number: 7674
Registered: 02-2008
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Posted on Wednesday, December 17, 2008 - 11:32 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Bicchapathi:

entha % interest kattavu.. ? loan mida.. adi matters..


10.5%
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Mallik
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Username: Mallik

Post Number: 1989
Registered: 10-2008
Posted From: 69.27.233.254

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Posted on Wednesday, December 17, 2008 - 11:31 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

Neeku loan ichhina kwampany okkosaari all three credit bureaus report cheyyakapovachhu..

General gaa atleast one credit bureau ki annaa chestai..
In this db, there's always someone watching you!!
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Bicchapathi
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Username: Bicchapathi

Post Number: 2013
Registered: 02-2008
Posted From: 141.158.20.2

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Posted on Wednesday, December 17, 2008 - 11:29 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

entha % interest kattavu.. ? loan mida.. adi matters..
Murder cheste ne Puli, Kabja cheste Tiger .. Ivanni chesina vade Mukyamanthri kavadaniki arhudu ante..

Ma annayya chiru Raktham panchi, Manchi mansutho Mukyamanthri ayyi Tiger anipinchukutadu chudandi
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Jodhaa
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Username: Jodhaa

Post Number: 7673
Registered: 02-2008
Posted From: 65.186.82.73

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Posted on Wednesday, December 17, 2008 - 11:20 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

??? Becs na credit report lo asalu nenu loan pay chesthunnattey ledhu...:-(

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