C*******e
发帖数: 2163 | 1 可以，如果他过来，没任何问题
如果不过来，closing用你一个人的名字，第二天你作为grantor加上她的名字作为
grantee就可以
但是如果分一半受益的话，你做好思想准备你白干apartment manager的所有操心活儿
，如果这个你可以接受的话，那对3方都好
税不知道，如果一半check写她名字，一半你名字，那么你可以只算你名下的交税 |
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R******y
发帖数: 236 | 2 最近看到一个房子，挺喜欢，但是有个deed restrict. 上面写着，比如drive way 不
能 pave，只能用碎小石头。 然后deed写着房子对面的住户有权更改房子的颜色，大小
，材料等。
请问这些正常吗？感觉万一对面的住户发神经，说要让我看中的这个房子重新改下，重
建，是不是我也得遵守啊？
原文部分如下：
The grantor has the right to design review and approval of the exterior
shape, size, texture, materials, and color of any building, outbuilding or
other structure cons structured on the granted premises.
the drive way serving the granted premises shall about the meadow, and shall
consist only of gravel, and shall not be paved nor the s... 阅读全帖 |
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C*******e
发帖数: 2163 | 3 找一个可以做closing的律师，两个人作为grantor，一个人作为grantee；然后律师去
city登记
1-2百快钱的事情吧 |
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S****Y
发帖数: 4634 | 4 You might have heard stories about credit and how credit reports work. Don'
t be fooled by misinformation. Here are some common myths about credit, foll
owed by the facts.
MYTH:
You must give permission for your credit report to be issued.
FACT: Any credit grantor with a permissible purpose may access credit repor
ts without the consumer's permission.
* still don't know how exactly it works...
MYTH:
The credit bureau can deny a credit application.
FACT: Credit bureaus have no power to accept o |
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b*********n
发帖数: 1258 | 5 怎么办?
因为CITI有0 APR AND 0 BT FEE
就拿MBNA做中转站赚那5元钱
结果今天收到电话说他们感觉UNCOMFORTABLE,
就把我的全部ACCOUNT给CLOSE了
和ADVISOR说了
要ONE MORE CHANCE
也不可以
大家看看怎么办？
这个ACCOUNT CLOSED BY CREDIT GRANTOR要给这我多久呀？
能不能给她们打电话说要求CLOASED BY CUSTOMER. |
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s****y
发帖数: 688 | 6 如果比较喜欢用amex 信用卡，你需要小心保持balance跟你的收入在相应的比例，不要
太高。
跟chase和Citi相比，AMEX特别喜欢financial review。就是说如果你的balance
有一段时间突然比较高，AMEX有可能对你进行financial review，suspend你所有的account，然
后要求你fax税表；如果review通不过的话，你所有的AMEX CC都会被关掉。CC里面的
cash back也基本上都没了。有些人喜欢用AMEX CC买大件比如laptop，因为it有
extended warranty，close之后这个warranty自然也没了。Review没过的话另外一个不
好的地方是会比较伤credit，因为你的信用纪录里会显示CC are closed by grantor
而不是closed by card user. 很多人申请CC时收入报高不少，可想而知review的结果
；即使review通过了，AMEX还是有可能一而再再二三地重复review你。Money版上的一
位兄弟曾经三个月内被review四次，弄得人家都要f |
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HQ
发帖数: 19201 | 7 呵呵，前面说了，其实discover最多就是让你没赚到好处，其实这里面你自己肯定也有
问题，系统不会随便歧视人的。
近期chase个人真实经历：
1。chase降credit line.
我有500的charge pending了超过半个月，chase突然给我降cl,降到了available credi
t line只有495。幸亏我及时发现。
2。关卡
chase系统比较变态。别的信用卡如果close,网上账号会立刻显示关掉了。chase的不是
，从网上账号一段时间内都看不出来什么变化。
我6月份打电话关掉一张卡。9月初的时候我看那张卡还在，觉得时间太长了，打电话问
，回答已经关掉了。9月底突然收到一封信，说他们因为XXXXXX原因，给我关了这张卡。
去查了一下信用记录，这张卡状态是closed at credit grantor's request |
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y****i
发帖数: 17878 | 8 I'd guess it will be flagged as "ACCOUNT CLOSED AT CONSUMER'S REQUEST", but
not "ACCOUNT CLOSED BY CREDIT GRANTOR" in your credit reports |
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p**********n
发帖数: 329 | 9 check your credit report, it should show "closed by the credit grantor" |
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a******e
发帖数: 36306 | 10 【 以下文字转载自 Living 讨论区 】
发信人: anywhere (春风再美也比不上你的笑), 信区: Living
标 题: 这种情况会影响信用分数不？
发信站: BBS 未名空间站 (Thu Jul 22 16:44:30 2010, 美东)
我关了两张Bank of America的卡，这倒也罢了。刚看了credit report，他们居然报道
的是closed by credit grantor。这个有啥不良影响吗？问题是，这是我自己打电话
cancel的，他们怎么能写成他们关的。其他我关的帐号都说的是closed by consumer。
我online chat了一下，他们居然要我拿证据，我从哪儿找证据啊。
另外，credit report真值得一看，我的TransUnion的report说我有一张卡，几年前
close的，有两次late pay。其他的report并没有说我有这张卡，而且我也的确比较肯
定我绝对没有在那时候申请以及关过这么一张卡，而且按开户时间，我当时不可能有这
么高limit的卡。 |
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S**I
发帖数: 15689 | 11 都是无稽之谈；我的记录上有3个BOA的和1个Chase的closed by credit grantor，申请
他们的新卡也没被拒过。 |
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d*****i
发帖数: 3905 | 16 前几天申discover被拒，要了transunion的credit report. 发现上面显示我的citi卡closed
by credit grantor. 但我一直在用这张卡，所以联系了citi，被告知账户没有问题，他们会调查
然后给我通知。
是不是我现在要同时跟transunion联系一下？
另外是不是应该问另外两个信用局要份report查一下?
谢谢 |
|
j********o
发帖数: 919 | 17 上次被AMEX关卡事件后(具体参见另一帖子,链接不贴了),给AMEX回了封信,信中质疑为
什么我自己从三大局获得的信用分数在关卡前后对比都是上升而信用报告内的数据也是
正面,但AMEX依然以"FICO分数下降"等理由将我的ACCOUNT关掉.
今天收到个不显示来电的电话,没接.然后对方留言,说是AMEX的SUPERVISOR,让我打回一
个888的号码,说任何REP都能和我讨论这件事.
打过去,一位听起来业务不熟的阿姨接了电话,问了我一些资料(生日+SSN),然后说
REINSTATEMENT要收$25,我想想,同意了,然后阿姨在电脑里打了一通,然后说啊你这个
ACCOUNT不能REINSTATE,只能申请一个新ACCOUNT.
然后我问阿姨说,如果我重新申请只是作为手续的话,那是不是算作REINSTATEMENT而没
有HARD PULL?阿姨想了一会儿说嗯是的,不会影响你的CREDIT SCORE.
然后阿姨给了我一个电话.
给那个电话打去,一大叔接了电话,问我想申请什么卡.于是我就把刚才阿姨说的那番话
和结论告诉大叔,和大叔核实.
大叔说:不影响毛线啊!在我这弄肯定影响!你打CU... 阅读全帖 |
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D*****E
发帖数: 9352 | 18 能够REINSTATE，一个HARDPULL也值了，至少你以后可以继续申请其他的AMEX了，否则你
以后还不看着干着急？忍不住一申请没通过还又拿一HARDPULL
CLOSED By GRANTOR其实无所谓，不代表什么。 |
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s******s
发帖数: 1159 | 19 今天到experian系统里看了下报告出现下面的列表: 请问是什么意思?
问题是我根本就没申请过一些信用卡,比如cap one, 怎么我的记录里保留这么多?
Requests Viewed Only By You
According to the Fair Credit Reporting Act, credit grantors listed in this
section had a permissible purpose to request your information. When a
request for your information is made, it will display on your credit report
for two years.
We report these requests only to you as a record of those who requested
your information, and we do not include any of these requests on credit
reports to... 阅读全帖 |
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s******s
发帖数: 1159 | 20 今天到experian系统里看了下报告出现下面的列表: 请问是什么意思?
问题是我根本就没申请过一些信用卡,比如cap one, 怎么我的记录里保留这么多?
Requests Viewed Only By You
According to the Fair Credit Reporting Act, credit grantors listed in this
section had a permissible purpose to request your information. When a
request for your information is made, it will display on your credit report
for two years.
We report these requests only to you as a record of those who requested
your information, and we do not include any of these requests on credit
reports to... 阅读全帖 |
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m*****a
发帖数: 2609 | 21 更新：今天做了些调研，有了些正面的收获。简单说就是关卡，然后大模大样地跟三个
bureau要求remove account就好了:)。
下面的答复都是三大局的直接回答，不是"应该"，"可能"之类个人观点，不相信的自己
去读我附上的source链接：
1.如果主卡人关掉副卡，Experian会remove该Authorized user account信息：
"Because an authorized user has no responsibility for the debt, creditors
will typically remove them from the account on request. When the lender
reports its account data and no longer includes your son’s name as
associated with the account, Experian will remove the account from your son
’s credit report."
Source; http... 阅读全帖 |
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E****y
发帖数: 40 | 22 We are writing to notify you that we have closed your Discover® card
account effective immediately. We
regularly conduct reviews to evaluate our customers' accounts. We evaluated
your account and under
the terms of your Cardmember Agreement, a business decision was made to
close your account. Our
credit decision was based in whole on the information found on your account.
Any Cashback Bonus® or Miles rewards balance will be applied as a credit
to your account, or, if the
account has a ze... 阅读全帖 |
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a***x
发帖数: 26368 | 23 愿赌服输
evaluated
account.
credit
Grantor. |
|
发帖数: 1 | 24 同样情况。已举报至CFPB。问他们自己是没有结果的。最多告诉你是closed by
grantor for business reason |
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z****l
发帖数: 5282 | 25 刚才在credit karma发现：
Citi上个月把我的Macy's信用卡关掉了
可能是因为18个月没有消费
可怜我的14年记录，说没就没了
平生第一次这样的关卡原因: Cancelled by credit grantor |
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g*******s
发帖数: 2963 | 26 今天查了一下credit karma。显示是1/10/2018刚刚上credit report.
请问这个到底是说明我现在是欠谁的钱？是citi bank还是collection company？如果
是后者我该如何联系他们？另外打了citi他们说可以现在付清但credit report好像只
会显示付清不会消除，所以暂时没付。因为听说付了以后就不好negotiate了。
TransUnion: 728
Equifax: 716
CITICARDS CBNA
Reported: Jan. 10, 2018
Payment History
Last payment
May 31, 2016
Current Payment Status
In Collections/ChargeOff
Amount past due
$393
Worst Payment Status
No Info
Account Details
Account status
Derogatory
Type
Flexible spending credit card
Responsibility
Individual
R... 阅读全帖 |
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u*****a
发帖数: 6276 | 27 NMSC Merit scholarship, class of 2016
半决赛选手已经公布了，一共一万六；其中90%都可以成为决赛选手。2016年大约有 7,
400 个NMSC 奖学金名额。
1）Every Finalist will compete for one of 2,500 National Merit $2,500
Scholarships, which will be awarded on a state-representational basis.
2) About 1,000 corporate-sponsored Merit Scholarship awards will be provided
by approximately 250 corporations and business organizations for Finalists
who meet their specified criteria, such as children of the grantor’s
employees or residents of communities wh... 阅读全帖 |
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u*****a
发帖数: 6276 | 28 NMSC Merit scholarship, class of 2016
半决赛选手已经公布了，一共一万六；其中90%都可以成为决赛选手。2016年大约有 7,
400 个NMSC 奖学金名额。
1）Every Finalist will compete for one of 2,500 National Merit $2,500
Scholarships, which will be awarded on a state-representational basis.
2) About 1,000 corporate-sponsored Merit Scholarship awards will be provided
by approximately 250 corporations and business organizations for Finalists
who meet their specified criteria, such as children of the grantor’s
employees or residents of communities wh... 阅读全帖 |
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b******r
发帖数: 16603 | 30 类似这样的。有的房子我可以看到很早的啊。
11/21/2001 Grant Deed
Resale Sale price $300,000
Buyer/Grantor James Embleton
1621 Virginia Ave
Redwood City CA 94061
Seller/Grantee Read Trust
Mortgage Show details |
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b******r
发帖数: 16603 | 31 propertyshark是公开的啊，我也不是agent，我猜想可能跟zip有关，
有的county信息不公开？你查查你的看。
我刚才随便又查了个
Date Type Details Document
5/10/2007 Grant Deed
Resale Sale price $930,000
Buyer/Grantor William Yeh
Gaylan Sankey-Yeh
3557 Amber Dr
San Jose CA 95117
Seller/Grantee Dippel Eric A & L M Trust
agent |
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l*********m
发帖数: 16971 | 32 http://money.msn.com/business-news/article.aspx?feed=BLOOM&date
Federal law requires billionaires such as Adelson who want to leave fortunes
to their children to pay estate or gift taxes of 40 percent on those assets
. Adelson has blunted that bite by exploiting a loophole that Congress
unintentionally created and that the Internal Revenue Service unsuccessfully
challenged.
By shuffling his company stock in and out of more than 30 trusts, he’s
given at least $7.9 billion to his heirs while legal... 阅读全帖 |
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v******r
发帖数: 1630 | 33 IGDT (intentionally defective grantor trust) |
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s*i
发帖数: 5025 | 34 1。合法与非法
首先我想说的是合法与否的依据是协议和publications.任何大学的阐述都是次要的和没
有法律效力的。有人举了好多不同大学的阐述例子，我看是舍本逐末的。自己被卖了还在
帮助数钱，十分可笑。
现在说TA/RA是不是scholarship问题。似乎资料里没有明确体及这个问题。但是幸运的是
，在pub520里面page3，有如下一个例子：
Example 1. You received a scholarship
of $2,500. As a condition for receiving the
scholarship, you must serve as a part-time
teaching assistant. Of the $2,500 scholarship,
$1,000 represents payment for teaching. The
grantor gives you a Form W–2 showing
$1,000 as income。 You used all the money for
tuition and course-rela |
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l******y
发帖数: 54 | 36 最近在看一个Fremont的房子. 是REO. 在title insurance prelim 里, 有以下关于
mineral and waters rights 的条款.
"Also reserving to the grantor and its succesors and assigns, the following:
1. All oil, gas, mineral, geothermal and hydrocarbon substances and under or
that may be produced below a depth of 500 feet below the surface or said
property.
2. All overlaying and other water rights, including, without limitations,
the right to appropriate water and distribute it to other properties without
any right to the use of... 阅读全帖 |
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L******d
发帖数: 2461 | 37 11/27/2002 Not available
Sale price $860,000
Buyer/Grantor Shu G Zhang & Xing W |
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F*********k
发帖数: 2252 | 38 在买一个 REO, Preliminary Title 有这样一段，是不是很凶险？为什么说 “a right
to rescind said deed"?
Said land is considered to be "Residential Real Propeity in Foreclosure" as
defined in California Civil
Code Section 1695.1(b) consisting of one to four family dwelling units, one
of which the owner
occupies as his or her principal place of residence, and against which there
is an outstanding notice of
default, recorded pursuant to California statutes (commencing with Section
2920 Civil Code).
Any adverse claim by the ... 阅读全帖 |
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F*********k
发帖数: 2252 | 39 在买一个 REO 的房子，Preliminary Title 出来有这样一段，请有经验的老兵们帮看
看是什么意思，尤其是最后一句话，什么rescind the deed, 包子谢！
Said land is considered to be "Residential Real Propeity in Foreclosure" as
defined in California Civil Code Section 1695.1(b) consisting of one to four
family dwelling units, one of which the owner occupies as his or her
principal place of residence, and against which there is an outstanding
notice of default, recorded pursuant to California statutes (commencing with
Section 2920 Civil Code).
Any adverse ... 阅读全帖 |
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w******y
发帖数: 8040 | 40 哥是没cash买过房， 都是走的贷款
你cash买过， 就解释一下第二个deed呗
让咱也学习一下
Document Type: TRUST DEED
Grantor(s):
KANG LEI
Grantee(s):
CHANTHABOUASY SATHA
CHANTHABOUASY SUMMER |
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g*******s
发帖数: 2963 | 41 本来打算买房申请贷款了，结果今天银行贷款经纪突然告诉我我有一个污点是citi
bank说我有一张卡欠了300一直没还卡被close了。打了citi他们说是2016年costco从
Amex转Citi时候自动transfer的balance，所以当时的autopay也取消了。问题是我因为
当时就取消的costo会员，而且这两年从来没收到一封email或mail告知欠款问题。citi
说可以现在付清但credit report好像只会显示付清不会消除，所以暂时没付。因为听
说付了以后就不好negotiate了。
马上查了一下credit karma。显示是1/10/2018刚刚上credit report.
请问这个到底是说明我现在是欠谁的钱？是citi bank还是collection company？如果
是后者我该如何联系他们？
TransUnion: 728
Equifax: 716
CITICARDS CBNA
Reported: Jan. 10, 2018
Payment History
Last payment
May 31, 2016
Current Payment Sta... 阅读全帖 |
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c*h
发帖数: 33018 | 42 See:
http://www.mitbbs.com/article_t/SanDiego/31681639.html
发信人: yudeli (babe), 信区: SanDiego
标 题: Re: 请问：如果在房屋拥有者上面添名字
发信站: BBS 未名空间站 (Sun Feb 26 02:35:42 2012, 美东)
your husband, as the grantor, needs to execute a "quitclaim deed" to convey
the property interest to both you and him as the grantees.
fill out two forms and have the deed recorded at the County Recorder. |
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S*******s
发帖数: 10098 | 43 “发起人grantor， 受托人trustee， 受益人beneficiary”三者
可以是同一个人：你， 不过Creditor追债的时候， 就不能躲避了。
如果你把信托制定成一个“别人的财产”， 那么Creditor就不能从别人那里追讨你的
债了。 比如：
Medicaid 也是你的Creditor, 一旦你生前动用了他们的"free"帮助， 等你上了天堂，
他们有权力反追你身后留下的房子等资产。 |
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c******n
发帖数: 16403 | 44 http://www.nuwireinvestor.com/articles/how-the-irs-taxes-gold-investments-56
249.aspx
How The IRS Taxes Gold Investments
Published on:
Friday, October 15, 2010
Written by:
Keith Fitz-Gerald
Click a star to rate.
* Share
* RSS
* Print
* E-mail
* Comments
Gold prices keep heading for the sky, with new records being set practically
every month, and pundits predicting that prices will double within five yea
rs. However, is Uncle Sam the one reaping most of the rewards? Wheth... 阅读全帖 |
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a****a
发帖数: 1045 | 45 可以看Grantor(s), Grantee(s)
county |
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C*N
发帖数: 1792 | 46 可我的deed上根本没有银行什么事啊
只是结婚的时候从一个人 Grantor 到两个人 Grantee
贷款一直没有还完 |
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s******y
发帖数: 17729 | 47 谁来讲解一下呗
Grantor/Grantee Index Matching Your Search
Select Doc Number Doc Type Name
2013-0454355 RECONVEYANCE KANG LEI
2013-0439477 TRUST DEED KANG LEI
2013-0439477 ASSIGNMENT RENTS KANG LEI
2013-0439476 DEED KANG LEI
2009-0395742 RECONVEYANCE KANG LEI
2009-0283195 TRUST DEED KANG LEI
2004-0898361 RECONVEYANCE KANG LEI
2004-0593105 RECONVEYANCE KANG LEI
2004... 阅读全帖 |
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s******y
发帖数: 17729 | 48 Grantor/Grantee Index Matching Your Search
Select Doc Number Doc Type Name
2013-0454355 RECONVEYANCE KANG LEI
2013-0439477 TRUST DEED KANG LEI
2013-0439477 ASSIGNMENT RENTS KANG LEI
2013-0439476 DEED KANG LEI
2009-0395742 RECONVEYANCE KANG LEI
2009-0283195 TRUST DEED KANG LEI
2004-0898361 RECONVEYANCE KANG LEI
2004-0593105 RECONVEYANCE KANG LEI
200... 阅读全帖 |
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t*c
发帖数: 8291 | 49 你错了，这只是loan.
那个新买的房子因为没有贷款，所以不在grantor/grantee里面。 |
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x***o
发帖数: 127 | 50 也应该有个:
grantor: 卖主
grantee: 买主
可是这个san diego county record上查不出来，挺奇怪的。
自己的知识，房子的产权应该是最新的grantee，完全靠这个county record的记录决定
啊。 |
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