Assignment

[jokojabo]

Hello, I am a student doing a survey for my Personal Finance class, if you have time I would appreciate any information from the following questions:

1. How much do past marriages affect credit applications?
2. How long do you have to wait to apply for a new loan after re establishing your credit?
3. How do you analyze a younger individual with alot of capital?
4. What are the main components that affect intangable capacity?
5. What is the first thing you look at to judge character?
6. How do you judge someone who just moved into the city and just started a new job?
7. If a applicant has 2 loans and still paying them off, but can afford for another would you approve them?
8. Are there any methods of reading someone when sitting down with the applicant face to face?
9. Does the applicants reason for asking for the loan have any factor?
10. Does a clients lack of education have any effect on the application?
11. How many missed credit card payments would classify the applicant as a threat to not paying back the loan?
12. How do you handle an applicant who has a stable job but weather can be a main factor?
13. How many missed payments or how long would it tke for you to take their collateral?
14. If an individual was missing payments due to a strike or other event would you be patient?
15. Would you give a loan to a younger person with poor health or give a older person with good health?
16. Is there a good strategy to finding the applicants true health status?
17. If you found out a person was seriously ill (eg cancer) would you still give them the loan?
18. Do you have any methods on determining if there is any other funds coming in? How do you keep track of where all their income is coming from?
19. If the applicant has a stable job, but the job keeps transtering them to different residents would you consider them?

Thank you for your time

[Troy]

1. How much do past marriages affect credit applications? - [B]none unless you've defaulted on something or missed payments[/B]
2. How long do you have to wait to apply for a new loan after re establishing your credit? - [B]feel free to apply whenever[/B]
3. How do you analyze a younger individual with alot of capital? - [B]same as an older individual with a lot of capital[/B]
4. What are the main components that affect intangable capacity? - [B]I think you're referring to either a steady source of income (aka job) or huge bank accounts[/B]
5. What is the first thing you look at to judge character? - [B]skin color...jk...on time payment history[/B]
6. How do you judge someone who just moved into the city and just started a new job? - [B]on what they did before...duh[/B]
7. If a applicant has 2 loans and still paying them off, but can afford for another would you approve them? - [B]as long as they can afford it[/B]
8. Are there any methods of reading someone when sitting down with the applicant face to face? -[B] sure[/B]
9. Does the applicants reason for asking for the loan have any factor? - [B]depends[/B]
10. Does a clients lack of education have any effect on the application? - [B]nope....unless its a business loan[/B]
11. How many missed credit card payments would classify the applicant as a threat to not paying back the loan? - [B]depends[/B]
12. How do you handle an applicant who has a stable job but weather can be a main factor? - [B]likely to average income over a year or look at tax returns[/B]
13. How many missed payments or how long would it tke for you to take their collateral? - [B]I'm just a broker...that's up to someone else[/B]
14. If an individual was missing payments due to a strike or other event would you be patient? - [B]depends[/B]
15. Would you give a loan to a younger person with poor health or give a older person with good health? - [B]can't discriminate based on age..that's illegal. I can discriminate based on any unpaid medical bills though[/B]
16. Is there a good strategy to finding the applicants true health status? - [B]turn your head and cough son[/B]
17. If you found out a person was seriously ill (eg cancer) would you still give them the loan? - [B]what type of cancer?[/B]
18. Do you have any methods on determining if there is any other funds coming in? How do you keep track of where all their income is coming from? - [B]Usually banks issue something called "bank statements"[/B]
19. If the applicant has a stable job, but the job keeps transtering them to different residents would you consider them? - [B]sure[/B]

And since you didn't want to fill out my registration properly....your email address is:
[EMAIL="fred644@yahoo.com"]fred644@yahoo.com[/EMAIL]

there...now the spam gods will get you

[jokojabo]

lol, thank you for your time
much appreciated