 Help? i want to know if what i did was bad.? |
i bought a $20 phone for my room on ebay using my debit card without telling my parents, do you think they will get mad when I tell them? How should I tell them?
I bought the phone without ... |
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 Can i close my brother's bank account? |
my brother went to back his origin country, so he's not gonna use his account any more, question is can i close his account ? I live n london. his account from HSBC
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 How can I make extra money? |
| I have a full time job, making $13 an hour, however, I need more cash. I have kids so I can't really get another full time job out the house cause I would never see them. Any opinions or ... |
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 Would you let a doctor amputate your arm for 4 million dollars cash? |
Additional Details
Yes you can choose your arm and the arm is for testing if pigs like human ... |
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 What is a good amount of money to have in a savings account? |
| NOT including retirement plans and 401k plans. (just money to have for car breakdowns, appliances, lost time off work, etc.)... |
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 $13, 000 Deposited in your checking account, What would you do? |
| $13,000 was deposited in his checking account 1 week ago. He does not how it got there. What should he do? It has been a week.... |
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 What's a part time job that will give a salary of at about $1,000 a month? |
| Thanks! Preferably working at a store or something simple like that. Nothing that you need a high education. Just a job someone would take while they're in High School or College. Just curious! T... |
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 What can kids do to earn money? |
besides
•baby sit
•yard sell
•car wash
•lemonade stand
i wont something different i always get these answers and already do them i am 14 also so help me please and ... |
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 Is this man trying to a scam? |
| I put an ad on Yahoo Classifieds. I'm trying to sell my laptop for $500. He said he'd pay me $950. He says he's from the United Kingdom and he wants to buy it for his son who is in ... |
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 There is a list of the ten richest people in the world. Why is there no list for the ten poorest? |
Additional Details
And how do I make the list? Who do I contact. The wheel on my shopping cart just broke.... |
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 How to make money online? |
| How to make money online?... |
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 I am trying to get a personal loan with bad credit can anyone give me advise on what i should do? |
| I just recently ended a long term relationship and i am trying to take care of myself and my children for the first time on my own. I have a job but I need a personal loan to help me get on my feet. I... |
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 Each time you apply for a loan does it affect your credit scoring...? |
| does it make the score decrease for example if you get declined by a lender, pls advise..... |
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 How do you get rich? |
| tell me how to become ... |
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cashhousebuyer | How can one raise their credit score? |
Will companies claiming to do it for you work? |
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♫ sgrfsh ♪
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There are some key points to consider.
Don't just get a credit card and not use it. Zero activity on a card proves nothing to the Big Three (Experian, Equifax, TransUnion); they are looking for people who use credit and use it within the bounds of what they can afford. In other words, how can you upscale your credit score when you don't use credit?
So the best method is to use your credit card(s) but keep your usage in context with what you are able to pay. Low credit scores happen when you over-reach and cannot repay within the schedule determined by the card 'package', i.e. the %APR, annual fee, etc. Simply purchasing $x of product and then repaying it at the end of the month will not raise your score very quickly. It's actually better to retain a surplus of debt on the card that gets carried over after you've paid the monthly minimum. You can find many articles on the web (Google) on this topic.
If you are currently struggling with debt then you should consider consolidation. It's a great way to take multiple credit accounts with all their different APRs and fees and put them into one account with one APR and one payment. Often by doing this you can reduce some of the interest you are currently paying, ultimately reducing the total amount of money you will pay.
There are a number of companies that provide debt counselling and debt consolidation services. However, depending on your location, there are a number of charities that will provide this service at no cost. You should search Google for services in your area.
Also, if you are in the US you will have seen the FreeCrditReport.com commercials. Do not even think about going there. It is a paid service with a 14 day free trial. The website redirects to a completely different domain, and I for one consider this to be little better than a scam. By contacting the Big Three directly you can actually get your credit report for free or a small one-time fee. |
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LC
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There are some articles that can help you. The first one is good if you are setting out to establish good credit. The second one advises people whose credit score is in need of some raising, and the third is just a general informational article.
http://money.cnn.com/2005/09/21/pf/debt/credit_scores/
http://money.cnn.com/2005/02/28/pf/saving/willis_tips/index.htm
http://www.findarticles.com/p/articles/mi_m1264/is_10_34/ai_112358153 |
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VATreasures
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The short answer is demonstrating a good use of credit. This can be accomplished by using a credit card and paying it off every month. If you are tempted to overspend, use your credit card only once a month for a trivial purchase of a necessity.
The credit improvement companies do nothing that you can not do on your own. |
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lynn
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As far as I know, just paying things on time.
Most companies, even utility companies report delinquencies.
So, take out a small loan (if you want), pay off some bills, make sure to make all payments on time. That should do it.
If you happen to close any accounts, have them send you a letter stating that the account has been paid in full. This helps you prove it's been paid before it makes it to your credit report. |
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baldowolf316
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YOU dont need a company to raise your score. You can do it by paying your bills on time. Buying with credit resposibly and not going for EVERY card you are offered. The more cards you have doesnt necessarily mean more credit. I have 3 cards totaling 25 thousand in credit, a nice little house and 2 paid off cars...and I work a blue collar job. I EARNED the credit....I dont USE it much and pay off what i buy quick. |
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journaling2serenity
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You can do it yourself.
Obtain a free copy of your credit score online.
Then work to eliminate charge offs, medical or other bills. If you write to each one and offer to settle, you will probably receive a settlement offer that is less than you really owe. If you pay that immediately, you've cleared that account.
Try to purchase something on time and be sure you pay it off according to the agreement. Don't pay it off early. After the term is over, the company will submit a positive credit score entry for you.
Also, when you do purchase your house, your credit score will rise and stay higher providing you make mortgage payments on time. |
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chickenlegsbob
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have good payment history |
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D C
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Pay all your debts on time, get rid of unnecessary credit cards, and reduce the debt you owe as much as possible. |
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darkling1k
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they wont tell you anyhting more than you already know " pay your bills on time" save money yada yada, but a more practical way (if you can afford it) is to take out small loans one at a time with your bank for a longer than 6 month term .. repay on time repeate your score will go up |
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Vence
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Get your bils paid up and cleaned off your record and then credit card companies will send you invitations.The trick is to buy things that you normally buy but use the card to do it.Even if you have enough money to buy it out right.Make payments on you card and this will increase your credit score. |
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brokerboy420
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I have a great deal of expertise in this subject. What I tell you might sound completely wrong but trust me I know. The first thing you want to do is pay off all derogatory debt, i.e. collections, judgments, tax liens ect. Next look at your ratio of revolving debt to available balance. If it is over 35% pay it down. If you have an excessive amount that you can not pay down in a timely manner, get a new credit card to lower that ratio. That does not mean go out and rack it up. Take and do not use it you are just looking to lower your ratio. The highest credit score I have ever saw was a 834, this guy had 25 open credit cards and only 1 with a balance. Check your credit report every 2 years. I know that people say do it every 6 months. But remember every time you have a credit pull not related to a mortgage or a installment loan you will take a 2-10 point hit for every pull. I have talk with a guy who did the free credit report.com thing 40 times over the past year he went from 680 to a 501 in 6 months. But it is important to know what is on your report. |
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disneychick
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Pay bills on time, keep a small balance on a credit card and make the minimum payments on time. It will take time, and companies that claim they can do it for you will probably charge you a fee. You can do it yourself just as easily. |
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rocco
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dont use those companies...many times they will say they will get some neg info off your report, but all they do is "reactivate" it and your score goes down...there are also companies that say they can raise your scroe but they are fishing to get a fee from you and nothing else...you can do it yourself...www.annaulcreditreport.com is a good place to start. also ask your local banker for assistance |
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bc_munkee
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open up a credit card, but don't use it |
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reneew_15
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Canceling credit cards can actually make your credit go down, you should borrow a little bit of money and pay it back on time or open a charge card from a department store but DON'T OVER USE IT! |
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JM
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yea I wouldn't bother with those companies, they will just give you advice, but charge you for it. Consolidate your credit cards onto one or two if possible, never close a credit card. Even if you have 10 and you transfer balances to two leave the other 8 open, that way they will see that you have all these clean records with various card companies and that you have access to lots of money without spending it all. Also try to pay alittle above your minimum payment. It lets them know that you want to pay your balances off faster. |
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shootingstarfromafar
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The best way is to pay your bills on time, pay off your credit card debt, cancel cards that you don't need, and work to pay off any loans. |
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